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Debt Story #54
Posted by: jordan on 16th May 2012 | 7 Comments | Post Comment
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Debt Story #53
Posted by: Lee on 24th Feb 2012 | 108 Comments | Post Comment
I can't say my story is a nightmare but it's certainly been hard work. My partner already had debt around £20,000 and was increasing the debt by around £100 a week when we met in 2006. In those days people just lived off debt and then got another consolidation loan to cover it. They all told themselves this was the FINAL consolidation loan. My partner was on loan number seven. I didn't help much at first as I'm self employed and had only recently moved to the area and had very little work. We bought our flat from the council with a discount and managed to muddle on for about a year. There came a point where I realised we couldn't maintain all the repayments. At first we were prioritising payments based on protecting out credit rating rather than any genuine criterion. At one point we decided that our credit rating couldn't be maintained and contacted our creditors telling them we couldn't afford the payments. Our creditors were RBS (personal loan) and 3 banks (credit cards). My partners current account was with RBS and, at first they said it wasn't possible to cancel the direct debit and continued to try to make loan payments to themselves and then charge us when there were insufficient funds in the account. We eventually got all these charges refunded a few weeks before the courts ruled in favour of the banks re charges. Once all these debts were put in the hands in of debt collectors, it seemed to get a lot easier to agree payments we could afford. I must stress that during this time we paid the mortgage on time and made sure income tax and council tax etc didn't become too much in arrears. Mostly its been about juggling and keeping everyone a bit happy. We have repaid around £5,000 so far and everything seems to be on track. Our total debt (excluding our mortgage) is down from around £24,000 to £19,000. Nobody has taken us to court. It's been very hard work juggling all this but I couldn't say it's been a nightmare. It is possible to deal with problems like this. If anyone wants advice you can email me. I'll be happy to help. We still own our home and it is all gradually getting straight lee_marsh_1@yahoo.co.uk
Debt Story #52
Posted by: sally on 19th Feb 2012 | 88 Comments | Post Comment
My husband had a well paid job for the first 10 years of our married life,he was then made redundant twice in 2 years,we had 2 small children and at the time I was not working thinking that bringing up our children was a job in itself,however I returned to work when the first redundancy came along and we managed to keep our heads above water for a number of years not realizing that along the way we were accumulating debts that would cripple us 25 years later ,now we have around £65000 worth of debts,I am in the process of setting up a DMP through payplan ,we take full responsibility for all our debts and are not looking to write them off however the amount of interest we are paying is crippling us and affecting our relationship.we started the process last week and hopefully everything will be set up and running by the beginning of march.i`m really worried about being phoned and contacted by our creditors and felt awful that we have had to move our current account in order to avoid the bank offsetting what we owe them against our wages,we both still work full time and feel for the first time in years that we getting control back in our life's and can see some light at the end of what has been a very long tunnel,I would urge anyone in similar circumstances to pick up the phone and confront your debts problem with the help of people who know the answers and realize that debt is not just the problem of the poor and people who can`t work but it affects all walks of life and if someone told me that 2 years ago we were going to be going into a DMP I would have laughed at them,well that had me!!!!
Debt Story #51
Posted by: Holland on 12th Jan 2012 | 57 Comments | Post Comment
I have been so bewildeerd in the past but now it all makes sense!
Debt Story #50
Posted by: Essy on 12th Jan 2012 | 29 Comments | Post Comment
Surrpisinlgy well-written and informative for a free online article.
Debt Story #49
Posted by: Lina on 12th Jan 2012 | 29 Comments | Post Comment
Always a good job right here. Keep rolling on thrugoh.
Debt Story #48
Posted by: Kiona on 10th Jan 2012 | 32 Comments | Post Comment
Thanks for being on point and on trgeat!
Debt Story #47
Posted by: Kailey on 9th Jan 2012 | 28 Comments | Post Comment
So that's the case? Quite a reelvation that is.
Debt Story #46
Posted by: sarah on 27th Jul 2011 | 41 Comments | Post Comment
my husband is self employed as a taxi driver and had recently been assessed by the inland revenue and found to owe £16,000 (along with around £20,000 other debts) :-( we also have just lost 2 big contracts. We still have 1 small contract which will last another 4 years and guarantee us a smaller income. I work 23 hours a week on a part-time wage. He is considering BCY as an option as all the debts are in his name..would he still be able to trade as a taxi driver/sole trader?
Debt Story #45
Posted by: Steffie on 25th Jun 2011 | 32 Comments | Post Comment
Thanks for sharing. Always good to find a real exrept.
Debt Story #44
Posted by: Carli on 24th Jun 2011 | 19 Comments | Post Comment
I searechd a bunch of sites and this was the best.
Debt Story #43
Posted by: Sharky on 24th Jun 2011 | 28 Comments | Post Comment
Many many qaultiy points there.
Debt Story #42
Posted by: Terrah on 24th Jun 2011 | 28 Comments | Post Comment
Fell out of bed feeling down. This has brihegnted my day!
Debt Story #41
Posted by: Anonymous on 13th May 2011 | 33 Comments | Post Comment
Can someone please shed some light on this? My eldest son doesn't live with us but keeps running up debts with people like quick quid and wanadoo etc, he is still using this address with no wanting to pay these debts back to the borrowers, as you can imagine causing huge problems between my husband and I.
Debt Story #40
Posted by: Anonymous on 22nd Apr 2011 | 25 Comments | Post Comment
I'm on the other side, and would welcome advice or comments. I trusted a local auctioneer with some items (many of the family which I was selling after my mother's death) so that the money could be divided between three of us. There was a very mysterious robbery a few days after the auction - some of my unsold items were stolen, and the auctioneer in question said he was unable to repay his creditors. He promised publicly to do so eventually. This was in October 2010. Each time he has told me he was going to pay me my money (about £450) he has then reneged. Eventually he told me everyone would get their by the end of March. Since then he has stalled - last excuse was because he he was waiting for a new cheque book! Latest email was that cheques would definitely be sent out this Saturday. I won't hold my breath. Do I have any chance of going down the CCJ route? I'm afraid that if I do so I stand even less of a chance of getting my money as it might be deemed too low an amount to bother about. I know it's not a lot of money to most people, but it is to me, plus it involved the sale of sentimental items and I have had to pay my brother and sister out of my own money (I'm on a low pension). I wouldn't feel so bad if his blog wasn't full of arrogant boasting about how well he is doing, how much he is drinking, how good life is to him. I agree with no 37 - much of what I read on here doesn't reflect responsible behaviour, but I don't see how I was responsible for this, as I checked his very elegant website, he's well-known in Norwich, etc, etc. I would welcome comments/advice.
Debt Story #39
Posted by: Anonymous on 22nd Apr 2011 | 46 Comments | Post Comment
I'm on the other side, and would welcome advice or comments. I trusted a local auctioneer with some items (many of the family which I was selling after my mother's death) so that the money could be divided between three of us. There was a very mysterious robbery a few days after the auction - some of my unsold items were stolen, and the auctioneer in question said he was unable to repay his creditors. He promised publicly to do so eventually. This was in October 2010. Each time he has told me he was going to pay me my money (about £450) he has then reneged. Eventually he told me everyone would get their by the end of March. Since then he has stalled - last excuse was because he he was waiting for a new cheque book! Latest email was that cheques would definitely be sent out this Saturday. I won't hold my breath. Do I have any chance of going down the CCJ route? I'm afraid that if I do so I stand even less of a chance of getting my money as it might be deemed too low an amount to bother about. I know it's not a lot of money to most people, but it is to me, plus it involved the sale of sentimental items and I have had to pay my brother and sister out of my own money (I'm on a low pension). I wouldn't feel so bad if his blog wasn't full of arrogant boasting about how well he is doing, how much he is drinking, how good life is to him. I agree with no 37 - much of what I read on here doesn't reflect responsible behaviour, but I don't see how I was responsible for this, as I checked his very elegant website, he's well-known in Norwich, etc, etc. I would welcome comments/advice.
Debt Story #38
Posted by: Anonymous on 21st Mar 2011 | 35 Comments | Post Comment
I feel in debt to my parents. Lived off them for a long time now. They raised and fed me. Cant wait until the day I get a job and pay them well. Then leave them for good. So fustrating. When the problem is fine, they just find a way to stir it back up into the air so I'm mad again.
Debt Story #37
Posted by: Anonymous on 17th Feb 2011 | 26 Comments | Post Comment
I dont actually have a debt story, but what I see on here is lots of excuses and no personal responsibility. I`m not gloating but it seems to me blame is thrown around at other people too much.
Debt Story #36
Posted by: tom bremner on 28th Sep 2010 | 65 Comments | Post Comment
since i have been young i have been awfull with money, i used to enjoy the luxuries such as the newest trainers and games consoles, i also became a member of a gaming group via pc and made monthly payments to a gaming website, however i never had the money to afford all of this, so i used to borrow money of friends and family ect... however after a while i couldnt py them back and people started wanting there money and became more and more persistant, when i turned eighteen i thought i could solve all my porblems by getting a credit card and using this to pay off the money i owed to everybody however i then had no money to pay for the credit cards so i getting new credit cards to pay off old credit card debts and the debt spiralled out of control, i didnt no what to do and sutpidly turned to the bottle and after a string of incidents thqat shouldnt of happened but did because of alchol i lost my job, i am now out of work and have huge credit card debts, what can i do?
Debt Story #35
Posted by: Tom on 28th Sep 2010 | 29 Comments | Post Comment
when i turned eighteen i thought, oh yes brilliant, i can get a credit card, within months i had loads of debts on credit cardss and i didnt know how to start paying one of without taking out another credit card, it all turned into a vicious circle ending in my mum having to bail me out and stop me getting into more and more trouble at one point i was so worreid i couldnt eat or sleep and my work suffered because pff