Welcome to epsonsx435w

[IF]

Hi epsonsx435w and Welcome. I am sure you will find the help you need, if we can kindly ask you to check through the following links to get used to the surroundings first:-

• Forum Rules and Guidelines
• User Help Guides
• To all the Newbies

We don't bite, Help will be on its way, whatever your circumstances.

Best wishes from all at AAD.

IF...x

[Never-In-Doubt]

Re: Welcome to epsonsx435w

Imagine calling yourself after a bloody printer

Welcome

[epsonsx435w]

Re: Welcome to epsonsx435w

I was only following your guidelines! Be careful with what information you give out was the golden rule - try and trace me now!!!

[Never-In-Doubt]

Re: Welcome to epsonsx435w

I was only following your guidelines! Be careful with what information you give out was the golden rule - try and trace me now!!!

I can do one better - I can show your face

[diddlydee]

Re: Welcome to epsonsx435w

Your mum .......
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Your son ........
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Ha ha ha !!!


Anyway.... welcome from me too

[epsonsx435w]

Re: Welcome to epsonsx435w

AQre you all nuts in here?

[philnicandamy]

Re: Welcome to epsonsx435w

found you.....your sat under my desk

[Never-In-Doubt]

Re: Welcome to epsonsx435w

AQre you all nuts in here?

We have the best smileys though.....

[Never-In-Doubt]

Re: Welcome to epsonsx435w

found you.....your sat under my desk

Nothing like admitting you have a gimp mask mate

[philnicandamy]

Re: Welcome to epsonsx435w

hmm...tell everyone why dont you!

[Riz]

Re: Welcome to epsonsx435w

I was only following your guidelines! Be careful with what information you give out was the golden rule - try and trace me now!!!

Nope. But they can scan and print you all day long now.

[epsonsx435w]

Re: Welcome to epsonsx435w

Hi All and thanks for the welcoming ceremony, much appreciated.

I have had a look around and thought I would give you an overview of my situation as there are many aspects to my case that I dont know which forum subheading to append it too! so bear with me....

About me:
Back in 2005 I was earning well and had a lot of cards, loans which inevitably when I was made redundant I struggled to maintain repayments and eventually everything crashed.

Late 2007 I entered in to a DMP with a free, well respected party and have been there since. My initial £72k debt to 9 creditors has decreased to £65k! I will be free in Feb 2037!

For the first time in years I have become empowered to tackle this head on and resolve where I can and move my life forward and here is where I need advice initially on which route to take.

As it stands my DMP is fine, my creditors do not hassle me and I make my payment each month and we progress (very slowly of course - £200+ payment per month for £65k debt). However I enjoy the fact I can answer the phone and door and open mail without being worried or being threatened etc.

The new me wants to repair the damage but totally unsure of the approach I should take relevant to my situation. For example most of my agreements were opened early 2002-2005, most defaults (8 total) occured between 2006-2008, what are the odds they are all enforceable etc? For the record, some of my debts have passed hands so many times I was unsure who I owed (one debt has gone through 6 DCA's in 6 years!).

So should I:
a) CCA them all
b) SAR them all - there must be PPI and charges all over the place
c) offer low full and finals to all as the debts are so old (i.e 10% to start)
d) just carry on as I am

My debt list looks like this:

Origin Current Value DefaultDate
Creditor 1 DCA1 £4k 28/02/2007
Creditor 2 DCA2 £13k 02/08/2006
Creditor 3 Creditor 3 £9k 12/07/2007
Creditor 3a Creditor 3 £9k 10/07/2007
Creditor 5 DCA3 £11k 25/07/2008
Creditor 6 DCA 4 £6k 04/12/2006
Creditor 7 DCA5 £11k 01/01/2007
Creditor 8 DCA6 £2k n/a
Creditor 9 DCA7 £1k 13/06/2008

I hope this gives a summary of my predicament and any help would really be welcomed.

Naturally if you have any queries or need further info, please let me know and I will be glad to help further.

Many thanks in advance.

Epson x

[Deepie]

Re: Welcome to epsonsx435w

Hi & Welcome

ME........ I Would CCA them all you have nothing to lose........

[epsonsx435w]

Re: Welcome to epsonsx435w

Thanks, appreciate your reply.

I will start my diary - should I add it here as I go along or start a new thread within a certain section of the forum?

Also, would you recommend I keep paying my monthly DMP when I start this process?

Regards

Epson x

[Deepie]

Re: Welcome to epsonsx435w

Thanks, appreciate your reply.

I will start my diary - should I add it here as I go along or start a new thread within a certain section of the forum?

Also, would you recommend I keep paying my monthly DMP when I start this process?

Regards

Epson x

Start a new thread here------> http://forums.all-about-debt.co.uk/f...splay.php?f=35