chrisw10 wrote:Hi, I am so glad to join you all, this site has given me the motivation and hope that i needed to see an end to all this debt gloom i have. I know feel positive about there being a way of dealing with all this misery which has been dragging me and my family down.
I can;t wait to post my results on the forum and tell as many people about this site.
Here is a breakdown of my situation:-
Barclays Overdraft 1 = approx £3000
Barclays Overdraft 2 = approx £3500
Barclay Card = approx £1300
Barclays Loan = approx £5000
Cabolt = approx £4200 (was Egg credit card)
MBNA Credit Card = approx £3200
I defaulted on all these when i was made redundant from work about 2 1/2 years ago and sent them token payments at the time of £1 under advice from government help centre for about 6 months.
Over the last 2 years have started paying them back in agreed monthly payments, but this is costing me over £500 per month combined and i'm sick of having no life as the majority of my wages is used up on these bills.
I am back on good terms with all the lenders although they have removed all my facilities, there is only the Egg debt which is in the hands of a debt agency, Cabolt who ring me every 6 months to review and push me to increase my payments. (they are calling me know but ignoring them at the moment)
So can you guys help me with these questions...
Should I stop paying them first and wait for them to contact me then send the letters?
Should I deal with them all at once, or one at a time?
Any advice is most appreciated!
chrisw10 wrote:Try this next time you gat an unwanted call:-
Them "Hello MR/Mrs ******"
You "Sorry not on this number, but i do have a landline number for him/her"
(sense their excitement)
You "have you got a pen?"
You "The number is 01"
(Pause for dramatic effect)
You " so thats 01 21"
Then hit them with "DO ONE!!!!!!"
0121 DO ONE, best number in the world!
HA HA HA !!!!!
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