General Chat

nudging for Donna

********************************************** HAS YOUR DEBT PACK COME IN THE POST TODAY??? ******************************************* jess x

sorry misprint 3000

Sorr BB I thought you said earlier that the debt was about £3000 to utility companies... jess

if i had run up the debt,i wouldnt be moaning about it,it would be my own fault,but that fact that i borrowed money to give to my lowlife creep of an ex really gets to me and then he leaves me to pay!he'd better hope he never sees me again

My sisters husband ran up all sorts of dept,got loans,had fines and eventually turned to drink.Needless to say he forgot all about the dept.When things got so bad,he signed himself into one of those units for alcoholics (more expense I must say), and my wee sister was left to sort everything out.She came across a locked brief case and was sorry she opened it.The thing was full of unopened envelopes all from people wanting their money back.CAB took the case of her and went through it all.Between them,my sister and cab, things were sorted payed and taken care of.The husband came home thought this was great and just got on with running up more bills.The more bills that were run up the more drink he took.The more he drank the more agressive he became and she was the blame for all his problems.She thought she was responsible for all his depts and I do say HIS because it was all in his name.I told her to pass on his new address to the companies and let them deal with it.I am so glad she took some of my advice.He no longer knows where she lives or works and of her own accord,has filed for divorce.He in the meantime is texting her about his luxury cruise coming up!!!Thank god she dosen't want to know. Not everybody can handle the everyday stresses of life.It takes a strong pair of shoulders dosen't it? Hop-a-long.

have had a chat with creditors today and they both are happy enough that cab are sorting it,they werent nasty at all

Hi ya BB.Ihave just tuned in and am getting the jist of things.I am also in a situation at the moment.I have banked with the Abbey for 20 years and they are great.Over the years,I have learnt to approach the people I owe money to.They reconise when a person has truly humbled themselves and are trying to sort things out.Usually between you a plan will be formed to make payments at smaller amounts and over a longer time .I swear to you BB,the difference this makes is incredible.You feel like you have really achieved something,the stress of it all lessens and you even feel like celebrating with a cup of good coffee and a sticky bun.Being in dept is an awfully stressful thing and you feel everyone knows your business just by looking at you.Honestly BB,go and have a chat with the people and try not to take loans out to solve the problem. Sometimes that dosen't help at all. Hop-a-long

Hi Baby Butterfly, Sorry to hear that you are in such a bad mess, it must be hell for you, afraid to open the door every time somebody calls. I have a friend who is in a similar situation. I took her to the CAB as she wasn't too keen to go on her own. It is difficult to admit that you have a problem sometimes isn't it? We found them to be quite helpful, they gave her lots of leaflets explaining what to do. Their advice is basically to contact all the companies that you owe money to and offer to pay them what you can REASONABLY afford. Don't be too generous with them. Make sure that your rent is paid (either by you or the DSS/Housing Benefit) then nobody can evict you. Then the Council Tax and utilities (gas & electricity) then lastly your credit cards. As long as you make an offer of something they can't refuse it. DON'T go to one of these debt management companies, they charge you for doing what you can do yourself. And lastly, something I learnt years ago, don't feel ashamed of owing people money, especially credit card companies, they all gave it freely and they know the risks. They can afford it, they make millions out of people like us. Debt collectors that come to the door sometimes use bully-boy tactics, my friend was threatened with all sorts, but at the end of the day they couldn't do a thing. Good luck Jak.

i cant thak u all enough,this morning i couldnt see a way out now the futures looking brighter

Hi, sorry , my Mother in law popped round for a coffee. I know none of this debt is your fault, your ex left you in this mess so dont worry about having to cut back... you havent anything to cut back on!. i have got your mobile number and will text you late to see how you are getting on. I am here for you, as are others, and will always lend an ear for you :)) Now try and enjoy your weekend!! thats an order! remember.. nobody will come out to harrass you over the weekend... so relax. xxx

This might help you also to sort things out - Bank of Mum and Dad is on again on Thursday nights BBC2 - might pick up a few tips as to how and on what you can cut back. Lad last night owed £51,000. If he had been mine I would have swung for him! Best of luck kid at least you are on the right road now. Ann

believe me if had a computer it would be the 1st thing to go anyway

my mum lets me come over here to use the net and stayed here last niht,and no its not a dial up connection

this isnt mine,its my mums

I understand you are fed up and lonely BB but you need to cut back on things that you can, so you don't end up back where you are today. Sounds brutal but If you are on here chatting... and you sem to have been on here more or less all night, (and that will rack up your electricty bill) texting is somewhere you CAN save. Dont do it! Please tell me you are not on a dial up connection... jess.

its nice to have some people to txt and talk to!)

I'll be on here till about 3.45ish and then 30 mins to drive home. Then i'll be on my mobile and back on here at some time! I'm so glad for you.... it's nice to see ya smile! c x

are u about later cos im going home about 6,if u txt me i'll txt u staight back if u want,anyone else who wants to txt me can!im happy now!

Oh BB hunny, i'm so glad you're getting it sorted! I feel releived for ya lol ((((((HUG))))))) c x