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Hi All!
Well here we are - August 30th 2011
This means that exactly 1 year ago today I made the first official payment of my self managed DMP to my creditors (to those that had accepted, and even to a few of those who hadn't!)
It has been a tough year, however it has been nowhere near as tough as the couple of years that preceded it, before I took the decision to grab my finances by the scruff of the neck, face down my creditors, and take back control.
During this time I have been subjected to some of the nastiest DCA tactics imagineable and treated like dirt. Some creditors (Santander notably) have only just finally accepted my DMP proposal after almost a year of bumping up interest, and harrassment.
I am now in a much improved position than a year ago. I no longer fear the postman every morning, or the telephone ringing.
It has been a struggle, and I'm sure I have more struggles ahead, but life is vastly different (in a good way!) to where I was last summer.
For those just starting out their debt free journeys please do not give up hope. It is possible to sort things out and turn things around, its just that you have to fight your creditors and 'the system' at every step. Stick to your guns and tough it out is the answer.
And this post CANNOT be made without a mention and a huge THANK YOU to this forum (and a couple of others) who have supported me through difficult times.
It has been the collective knowledge and experience that I've found in these places which has helped me deal with my creditors. Forget the CAB, CCCS, National Debtline etc.
Although these are great places to start initially it is only forums like this where you get the whole warts and all view of the 'debt industry' and how to deal with it.
Thanks again Legal Beagles. Heres to another 12 months and hopefully paying off my debt mountain very soon!
Best
Crispy
Well here we are - August 30th 2011
This means that exactly 1 year ago today I made the first official payment of my self managed DMP to my creditors (to those that had accepted, and even to a few of those who hadn't!)
It has been a tough year, however it has been nowhere near as tough as the couple of years that preceded it, before I took the decision to grab my finances by the scruff of the neck, face down my creditors, and take back control.
During this time I have been subjected to some of the nastiest DCA tactics imagineable and treated like dirt. Some creditors (Santander notably) have only just finally accepted my DMP proposal after almost a year of bumping up interest, and harrassment.
I am now in a much improved position than a year ago. I no longer fear the postman every morning, or the telephone ringing.
It has been a struggle, and I'm sure I have more struggles ahead, but life is vastly different (in a good way!) to where I was last summer.
For those just starting out their debt free journeys please do not give up hope. It is possible to sort things out and turn things around, its just that you have to fight your creditors and 'the system' at every step. Stick to your guns and tough it out is the answer.
And this post CANNOT be made without a mention and a huge THANK YOU to this forum (and a couple of others) who have supported me through difficult times.
It has been the collective knowledge and experience that I've found in these places which has helped me deal with my creditors. Forget the CAB, CCCS, National Debtline etc.
Although these are great places to start initially it is only forums like this where you get the whole warts and all view of the 'debt industry' and how to deal with it.
Thanks again Legal Beagles. Heres to another 12 months and hopefully paying off my debt mountain very soon!
Best
Crispy
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