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Re: The start of a debt free life
Oh dear Frosty try not to get upset!
A lot of the members here have been in exactly the same situation and for whatever reason, found themselves unable to service all the credit they have built up.
You will hopefully realise a few months down the line that all they will do initially is bombard you with letters and try to get you on any phone number they hold on their system. Don't under any circumstances enter into any conversations on the phone.
Some of the letters will appear threatening but just comment on here if you have any concern with any of the letters.
The lenders use collection agencies so you may get letters advising that the debt has been passed to an agency to collect the debt and again you will get more letters from whatever agency they use and the debt will be passed to many agencies as you go along.
There are so many different agencies, I couldn't begin to list them!
When pay day comes around, it's a nice feeling to have some money in your account and be able to afford your weekly shop and put some petrol in the car without worrying about which credit card to use in case it was declined! (yes I've been there!)
We're all here to help and support you, not to judge.
Oh dear Frosty try not to get upset!
A lot of the members here have been in exactly the same situation and for whatever reason, found themselves unable to service all the credit they have built up.
You will hopefully realise a few months down the line that all they will do initially is bombard you with letters and try to get you on any phone number they hold on their system. Don't under any circumstances enter into any conversations on the phone.
Some of the letters will appear threatening but just comment on here if you have any concern with any of the letters.
The lenders use collection agencies so you may get letters advising that the debt has been passed to an agency to collect the debt and again you will get more letters from whatever agency they use and the debt will be passed to many agencies as you go along.
There are so many different agencies, I couldn't begin to list them!
When pay day comes around, it's a nice feeling to have some money in your account and be able to afford your weekly shop and put some petrol in the car without worrying about which credit card to use in case it was declined! (yes I've been there!)
We're all here to help and support you, not to judge.
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