I have been going thru the debt files, and realised that I need to get a cheque sent off to a creditor before the 14th. Just needed to double check that I hadn't already done it.
The threats these people make is laughable.......don't pay on time, we'll cancel your arrangement and demand payment in full.
Yeah! Well if I need to pay reduced payments does that not tell you I can't make a payment in full. Doh!!!!!!
Believe me when someone finds themself in serious debt, the last thing you need is aggressive phone calls and threatening letters.
Not that my debt is serious compared to some, however it is serious to me!
Circumstances change and shit happens. Everybody deals with it in their own way.
This seems to be most peoples idea of dealing with debt, but you can't stay there forever and be comfortable.
Sooner or later you have to pull your head out and deal with it. I spent almost a year doing this with a couple of debts, then everything snowballed big style. I had become too dependent on child tax credits to keep me afloat, that, when baby Brown left full time education and got a job I was left struggling.
Realising that handouts had been funding our, not so much extravagant lifestyle, but comfortable standard of living was a major WAKE UP AND SMELL THE COFFEE moment.
Things came to a head when I received a CCJ for my water rates and had to do a statement of affairs (SOA).
This needed dealing with and I needed to start immediately.
Every detail of my life was under a microscope. Every receipt was scrutinized, all outgoings re-assessed.
This had to be crunch time.
I have found so much help and support on the MSE forums that I plucked up the courage to organise a debt management programme and start paying everything off.
I have never been so friendly with my cheque book.
Anyway that's my rambling for tonight. I'm over to read Memory Girl's Trans Atlantic Challenge .
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