72k in debt....I feel sick

pebbles88

moneymeltdown wrote: »

i have a new bank card and pin number at last! I am now feeling like a normal person again...hurray!

Excellent!!

moneymeltdown

a big hello to everyone! I have GREAT news.....regarding my post (see above) MMD vs MBNA...I WON!!!!!!!!

After being served with a Statutory Demand on Christmas Eve (!) last year and subsequently having a miserable Christmas with absolutely NO money, I took on MBNA and their vile (ill-informed) DCA's.

If I can do it, represent myself in court and WIN a difficult case then anyone can! Please please please don't give up if you find yourself in a similar situation

I couldn't have done it without the incredible help and immense knowledge of one of MSE's legends 10past6. Their unwavering support has helped me through a very very tough few months...I can't thank 10past6 enough

lowlowlola

:jwell done you!! i always say this site is a life saver ... onwards and upwards

In_Search_Of_Me

certainly is a life saver but it also take people to have the courage to do whats suggested so ell done you!

Debtoxing

Wht an amazing and inspiring thread - and such brilliant news at the end! Well done to all those lovely people who contributed - it has renewed my faith in human nature - I'm quite overcome!:j:j:j:j

So, if it's not too nosey to ask, what's your remaining debt now? Are you suddenly nearly debt-free? I really, really hope so!

Sniff! Congratulations!


L.
x

skintmumofone

Hi
I have been reading your posts with great interest, as I am in a very similar situation. Although my debt exceeds yours, I have remortgaged to the hilt have no equity in my house, have 2 further secured loans of £54k and £17k and unsecured debt of £50k. I now am in a DMP with Gregory pennington who have been nothing but excellent and yes I am paying them a fee but they have dealt with all my creditors and have set up a payment plan that I am happy with. If I can pay more I will. They are reviewing my financial situation in 6 months time and I may be able to go into a Trust Deed which is a set amount over 36 months usually and after I pay the last payment all my debt is written off. I will have to pay at least £300 per month but compared to what I was paying individually it has left me feeling less stressed and crabby and my oh and both sets of family have been very supportive. I have a young son who is 4 and have not thrown any of his baby things out. I have washed every item of clothing and ironed and took pictures off it and am putting 10 items a day on ebay until I have all the items listed. Even if I make a few hundred every penny helps.

I worry about not putting food on the table, clothing my son who is my life and making sure he wants for nothing, but most importantly because I have addressed my debt problem I am much happier in myself and spend more time with my son and husband doing family things that do not cost anything. like a walk to the park.shops./etc and a drive to the beach or feed the ducks. I am determined I will get rid of this, plus I have at least 5 items at the FSO re PPI so fingers crossed its been going on since December and am no further forward but I will get there. I have never given up hope and think one day I willbe debt free x:D:T:rotfl:

Also GP have their own bank account called Think Banking thru the RBS and anyone can apply for it you get a maestro card, pay £17.50 management fee every month and they manage your bank account they pay your dd's and you have a bills account and a spending account - have had this for 5 months and it is the best thing I ever done wish I had done it years ago would have saved me a fortune inbank charges. With this account you never ever get bank charges.

10past6

moneymeltdown wrote: »

a big hello to everyone! I have GREAT news.....regarding my post (see above) MMD vs MBNA...I WON!!!!!!!!

After being served with a Statutory Demand on Christmas Eve (!) last year and subsequently having a miserable Christmas with absolutely NO money, I took on MBNA and their vile (ill-informed) DCA's.

If I can do it, represent myself in court and WIN a difficult case then anyone can! Please please please don't give up if you find yourself in a similar situation

I couldn't have done it without the incredible help and immense knowledge of one of MSE's legends 10past6. Their unwavering support has helped me through a very very tough few months...I can't thank 10past6 enough

You're very welcome MMD, anytime

RAS

Well done MMD and 10past6. For holding faith and for knowing the law.

joisey

well done mmd!!

vuittondreamer

what an inspiring thread, 10past6, what a clever person you are, well done both, reading this whole thread through tonight was better than reading the davinci code!
well done Money Meltdown, you must be thrilled to bits.
2009's going fine!