GDPR Cookie Consent by SimpleServe Privacy Script A year already - AAD Consumer Forum

Announcement

Collapse
No announcement yet.

A year already

Collapse
X
Collapse
 
  • Page of 1
  • Filter
  • Time
  • Show
Clear All
new posts
Previous template Next
  • #1

    A year already

    Well it is a year today i joined this forum, i was relly fearful of going down the UE route as i and my husband were realy intimidated by creditors.

    We know different now of course, with the support from everyone here we know it is the best thing we ever did, we have more money in our pockets and can now afford to live again.

    For those of you just starting the UE route i want to encourage you that you will be fine and the dca will not hack your legs off : they are mostly full of idol threats and if you follow the help here you will be OK

    This is our journey so far

    We had 23 creditors when we first started realising our debt was out of control we started a debt management plan and was paying £400 a month , after a few months we found that too much of a struggle and changed the company to payplan, they lowered our payment to £226 per month which we thought was great and we did start enjoying life once again, but then that changed when our business started to struggle and we told them to lower the payments , they lowered them to £150 a month again we were happy with that , but then the business struggled even more and we lowered the payment again to £76 per month but still found we were struggling and we were thinking of going bankrupt , i then found this forum and this is when we decided to stop payments to our creditors and send out CCA requests , it was like i said really scary as we were worried we would get creditors putting charges on our home ,
    Hubby has been to court twice to get a re-determination on a credit card debt which is in the from of a charge on our home which a dca got at the start the debt management plan and we did not know how to defend ourselves it would not have happened if we had found this place first , at one point i was thinking of letting the house go because the District Judge never seemed to be interested, but that changed in May when hubby returned and the payment was set at £5 per month instead of the original £28 , it was a very stressful time for us both , but with the encouragement from planB and others it came out good .

    But going back to the beginning we were nervous but as the CCA's came back they were found to be UE and we started to really relax , the year has flown by and with the help here it has been easy and we couldn't have done it without your help , so we would just like to say a BIG THANK YOU you are all

    So here's to the start of year 2 and another year closer to our debts becoming STATUTE BARRED
    _______________________________________



    Tags: bankrupt, card, cca, charges, con, court, credit card, credit card debt, creditor, creditors, dca, dca's, debt, debts, fine, free, fun, house, letters, letting, life, management, money, mse, nice, niddy, statute barred, thank you, ue diary
  • #2
    Re: A year already

    Happy anniversary!!!

    "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

    The consumer is that sleeping giant.!!


    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

    Comment

    • #3
      Re: A year already

      I can remember just how fearful and scared you were when you first joined. What a difference a year makes!

      You'll find that the years fly past more quickly now and the letters will get less and less to the point of not receiving any for a year/18 months.

      Happy anniversary...it's my 3rd anniversary of sending cca requests on 8th July...halfway to SB
      Let your smile change the world but don't let the world change your smile

      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

      Comment

      • #4
        Re: A year already

        Here's to your next anniversary S2M
        "If wishes were horses, beggars would ride"

        Comment

        • #5
          Re: A year already

          I agree with pixie, 18 months or so in to it now, and the letters are almost dead, have literally 1 or 2 DCA's writing and at least 3 to 4 weeks apart.
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment

          • #6
            Re: A year already

            Well done S2M!

            I missed posting about my 3 year anniversary since starting UE (started it over on MSE with Niddy before this forum got up and running).

            And I am pleased to report (not wishing to tempt fate so touch wood 'n' all that) that I haven't heard anything from any UE creditor in nearly 15 months

            In fact, I had trouble finding my diary as it's dropped to page 11
            If happy little bluebirds fly, beyond the rainbow, why, oh why can't I?

            sigpic

            Comment

            • #7
              Re: A year already

              I can only find my diary because Niddy links to it in the UE diary sticky
              Let your smile change the world but don't let the world change your smile

              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment

              • #8
                Re: A year already

                thanks guys for the congrats , i think the creditor letters are fewer now so this is a good sign
                _______________________________________



                Comment

                • #9
                  Re: A year already

                  They say time fly's when you are having fun......Well I guess in some way we all kind of enjoy it

                  Although we would all rather be without it ( Most of us anyway )

                  S2M - Its true when people say what a difference a year makes - I remember those early feelings well

                  Your doing so well with this - Its good to see
                  Last edited by Spud; 1 July 2013, 12:43.
                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment

                  • #10
                    Re: A year already

                    Originally posted by Spent2much View Post
                    thanks guys for the congrats , i think the creditor letters are fewer now so this is a good sign
                    They get fewer when they realise you're not going to be a pushover
                    Let your smile change the world but don't let the world change your smile

                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment

                    • #11
                      Re: A year already

                      Originally posted by Pixie View Post
                      They get fewer when they realise you're not going to be a pushover
                      you are right there
                      _______________________________________



                      Comment

                      • #12
                        Re: A year already

                        Happy anniversary!
                        When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #13
                          Re: A year already

                          Originally posted by Spent2much View Post
                          at one point i was thinking of letting the house go because the District Judge never seemed to be interested, but that changed in May when hubby returned and the payment was set at £5 per month instead of the original £28 , it was a very stressful time for us both , but with the encouragement from planB and others it came out good
                          What a nice thing to say

                          It's completely untrue of course, all I did was bring out your inner warrior. We all have one, but sometimes we forget this when the going gets tough. I'm sure you'll manage just fine without me from now on

                          Comment

                          • #14
                            Re: A year already

                            Originally posted by planB View Post
                            What a nice thing to say

                            It's completely untrue of course, all I did was bring out your inner warrior. We all have one, but sometimes we forget this when the going gets tough. I'm sure you'll manage just fine without me from now on
                            not sure i will i might need you from time to time to remind me to be strong
                            _______________________________________



                            Comment

                            • #15
                              Re: A year already

                              Just realised it was four years on 9 July that we started our EU journey , only 2 years to go until the debts become statute barred, the time has passed so quickly .

                              Thanks all for the help as always

                              s2m xx
                              _______________________________________



                              Comment

                              Previous template Next
                              Working...
                              X