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Hi.
Some of the UE Diaries start with some background whilst others don't seem to but I reckoned I should provide some background, partly as it might help other forum readers and partly to give Niddy and the other advisers relevant background details on specific debts.
I have multiple debt accounts, all credit cards, all pre2007. All accounts defaulted between September 2009 and June 2010 and with one exception where Barclaycard placed a later default date on my credit file than should have been the case, have now been removed. The Barclaycard account will however disappear from the credit file this May.
I think I became addicted to credit cards in effect: I'd always had one or two (literally) from around 1991 and managed them sensibly; from around mid 1997 however I started to apply for other cards for no good reason at all - I didn't need access to more money and didn't have any other excuse. This steadily got worse and by 2002 I was applying for another card very regularly without ever being turned-down. By 2004 I almost never bothered to even look at my on-line bank account and often forgot to check it even around pay-day. By then I was starting to withdraw money with the credit cards and write cheques drawn from CC accounts to pay-off another CC accounts whilst still applying for new ones - again without ever being turned-down. I switched providers where they had a good or better rate frequently and STILL retained the card I'd just paid-off. All the (I think) usual bad behaviours. By September 2009 even I had had enough though and stopped paying them the monthly amount, although I did so fairly steadily. A tidal wave of paper and 'phonecalls ensued, all of which I fought-off with pro-rata agreements and some input from National Debt Line. I've continued to pay them all ever since.
Until that is I read about UE last December. Even then however, my own path to AAD was via MSE Forums and that two dogs site (the one Niddy doesn't approve of!!) although it was through the latter I met a contact who told me about AAD and here I am. AAD is without a doubt the best, most comprehensive and in particular the most helpful debt site I've encountered and I only wish I'd discovered it years ago.
After swamping Niddy with some early queries I've got quite a bit of catching-up with my UE Diary but will do so over the next few days.
Some of the UE Diaries start with some background whilst others don't seem to but I reckoned I should provide some background, partly as it might help other forum readers and partly to give Niddy and the other advisers relevant background details on specific debts.
I have multiple debt accounts, all credit cards, all pre2007. All accounts defaulted between September 2009 and June 2010 and with one exception where Barclaycard placed a later default date on my credit file than should have been the case, have now been removed. The Barclaycard account will however disappear from the credit file this May.
I think I became addicted to credit cards in effect: I'd always had one or two (literally) from around 1991 and managed them sensibly; from around mid 1997 however I started to apply for other cards for no good reason at all - I didn't need access to more money and didn't have any other excuse. This steadily got worse and by 2002 I was applying for another card very regularly without ever being turned-down. By 2004 I almost never bothered to even look at my on-line bank account and often forgot to check it even around pay-day. By then I was starting to withdraw money with the credit cards and write cheques drawn from CC accounts to pay-off another CC accounts whilst still applying for new ones - again without ever being turned-down. I switched providers where they had a good or better rate frequently and STILL retained the card I'd just paid-off. All the (I think) usual bad behaviours. By September 2009 even I had had enough though and stopped paying them the monthly amount, although I did so fairly steadily. A tidal wave of paper and 'phonecalls ensued, all of which I fought-off with pro-rata agreements and some input from National Debt Line. I've continued to pay them all ever since.
Until that is I read about UE last December. Even then however, my own path to AAD was via MSE Forums and that two dogs site (the one Niddy doesn't approve of!!) although it was through the latter I met a contact who told me about AAD and here I am. AAD is without a doubt the best, most comprehensive and in particular the most helpful debt site I've encountered and I only wish I'd discovered it years ago.
After swamping Niddy with some early queries I've got quite a bit of catching-up with my UE Diary but will do so over the next few days.
?
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