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Hi everyone,
This is me and OH's story in a nutshell. We are 58 and 60, been married 40 years next year. Never lived life to the full, well not with material things anyway. Have a 9 year old car, rented accommodation, no highlife here.! Several years ago we started having financial problems due to ill health, I had to give up a well paid job, and stayed off work for a year, using savings to replace my salary........why didn't I go on long term sick....don't know the answer to that, I suppose I could have quite easily, but having never been unemployed or claimed sickness benefits etc, I never thought of it.!
2008 went on s DMP and after paying back £40k, then realized that creditors were still charging ridiculous amounts of interest and had no intention of reducing or stopping. The turning point for me came when one of our creditors, who we owed £500 to, said that they would be charging £8 interest out of a £15 payment per month.!! LTB are responsible for me deciding that enough was enough.
We had 10 creditors, and have CCA'd 6 of them and all 6 are :UE so far......we owed those creditors £41k and its thanks to Niddy and his support that we are here. We now have money to live on, pay our way, save for our retirement, and also save for the day, if it ever comes when any creditor finds a CCA agreement that Niddy says is enforceable.
Will update each creditor later.
This is me and OH's story in a nutshell. We are 58 and 60, been married 40 years next year. Never lived life to the full, well not with material things anyway. Have a 9 year old car, rented accommodation, no highlife here.! Several years ago we started having financial problems due to ill health, I had to give up a well paid job, and stayed off work for a year, using savings to replace my salary........why didn't I go on long term sick....don't know the answer to that, I suppose I could have quite easily, but having never been unemployed or claimed sickness benefits etc, I never thought of it.!
2008 went on s DMP and after paying back £40k, then realized that creditors were still charging ridiculous amounts of interest and had no intention of reducing or stopping. The turning point for me came when one of our creditors, who we owed £500 to, said that they would be charging £8 interest out of a £15 payment per month.!! LTB are responsible for me deciding that enough was enough.
We had 10 creditors, and have CCA'd 6 of them and all 6 are :UE so far......we owed those creditors £41k and its thanks to Niddy and his support that we are here. We now have money to live on, pay our way, save for our retirement, and also save for the day, if it ever comes when any creditor finds a CCA agreement that Niddy says is enforceable.
Will update each creditor later.
2 
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