Uncertain

[pezman65]

Re: Uncertain

Hi Saltnvinegar, I am not on any debt managers plan now, I do have other creditors but they have all frozen interest and the debts are not increasing, the mortgage is in joint names and up to date, 3 more yrs to go, cheers Pez:

[Pixie]

Re: Uncertain

The reason I added the edit to post #10 was because of what pezman had posted in post #4

No, it was an unsecured loan but I understand there have been occasions when the creditors have applied to the courts for a charging order and obtained an attachment to the house, Cheers Pez

If there are no charging orders etc that's great

I agree with FP, if you have other unsecured debts then it's worth giving UE a go!

[pezman65]

Re: Uncertain

Thanks for that, yes I will sort out all the debts and give it a go. I dont mind cancelling the standing orders and DD's as they have really got to me with their unfeeling attitude and to dispute the debt via UE sounds a good way to go and as you say I have nothing to loose, will get back once |I have all the info, many thanks Pez

[Never-In-Doubt]

Re: Uncertain

Good luck.... oh, Hi & welcome by the way

Niddy :niddy

[what2donext]

Re: Uncertain

Just a quick Pezman you are in the right place to get all the help you need
Good luck
What2do

[SXGuy]

Re: Uncertain

Thanks for that, yes I will sort out all the debts and give it a go. I dont mind cancelling the standing orders and DD's as they have really got to me with their unfeeling attitude and to dispute the debt via UE sounds a good way to go and as you say I have nothing to loose, will get back once |I have all the info, many thanks Pez

Everyone of us here feel the same as you, so you are in good company!

Some of us may have differences in our views, but everyone of us agree that when enough is enough its time to fight back and play their own game.

adding 22k of interest to a debt that you thought had been clearing all these years would be enough for anyone of us to say, enough is enough.

Just to put your mind at rest, i have been here for a while now, sorting out my mothers debts. She hasnt paid a penny to any of them since last december. You get the odd empty threat, and quite a few letters, but they soon back down when they realise you are not a push over.

Others have been following the UE route for well over 2 years, and they will tell you, you soon learn to not be afraid of their threats any longer, you really do feel like you have taken back control.

Its time for you to take back control, and we are all here to support you.

The sooner you create a debt diary, and get those CCA Requests sent off, the sooner you can start to enjoy life once again.

[pezman65]

Re: Uncertain

Thank you all so much for your comments and support.I will get the diary done asap. I already feel the best I have felt for years no matter what happens in the future, my wife and I can live again for a while, we have already planned a day out on Friday to celebrate my new found hope. My wife says I am smiling again, I did not realise I had stopped, just shows you what can happen to you when debt rules your life. Again many thanks to all of you and we will talk again soon I hope

[Spent2much]

Re: Uncertain

Thank you all so much for your comments and support.I will get the diary done asap. I already feel the best I have felt for years no matter what happens in the future, my wife and I can live again for a while, we have already planned a day out on Friday to celebrate my new found hope. My wife says I am smiling again, I did not realise I had stopped, just shows you what can happen to you when debt rules your life. Again many thanks to all of you and we will talk again soon I hope

This is so good to hear, i know how that feels, me and my hubby feel that a weight has been lifted from us although we have been going through a hard time these past few weeks with the business and being behind with mortgage payments, this place has helped us through it and we now see a light at the end of the tunnel. We celebrated with a day at Chester zoo last Wednesday with our son daughter in law and baby grandson and it was a fantasitc day .
You will get all the help you nee from here everyone are freindly and genuinley want to get the best possible result for you

[pezman65]

Re: Uncertain

Hi Spent2much, thanks for the message,it is really appreciated, kind regards Pez

[Never-In-Doubt]

Re: Uncertain

my wife and I can live again for a while, we have already planned a day out on Friday to celebrate my new found hope.

That's what we're here for, to help you guys live some normality instead of being bullied by these

Good for you, go and have fun - lets hope the rain stops before Friday then eh