Long time no talk!!!

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loubylou10

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Post by loubylou10 » Sun Oct 19, 2008 2:51 pm
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Hello to you all aain - I know it's been about 3 months but I have been trying to come back to you with good news not more of my winging!!! I started my DMP on Aug 01st and with a few initial problems I am now on my way. With 5 lenders to agree this was a hard task but with the help of Brightoak I now only have 1 lender, HSBC to agree which to be honest isn't happening. I can honestly say I feel 1 million times better and although my journey is still only at the beginning I can at last look forward and save. I changed all my DD's over to my new bank (who are wonderful) and looked at all my bills and got my monthly payment reduced just by shopping around. If I could offer anyone advice I would say take the bull by the horns and do it. Yes it takes time, tears and lots of energy but god when I look back I feel physically sick with what my spending and life was like and now I look forward to a more organised life.

Go me!!!! Hope everyone is well and I am trying to look at all recent posts to get back on track. Love to you all and let me know how you all are.

Love Louby x x
When will this all end?
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Julie

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Post by Julie » Sun Oct 19, 2008 2:54 pm
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Hi Louby - its lovely to see you back and sounding so positive!

Good for you sorting things out, lets hope HSBC agree soon for you.

xx
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Viki.W

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Post by Viki.W » Sun Oct 19, 2008 2:57 pm
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Hey Louby, lovely to see you back on the forum. Good luck with HSBC, you're getting there hun. Keep posting. [:)] X
If you would like to talk to me about your debt problems, please visit:
http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
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loubylou10

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Post by loubylou10 » Sun Oct 19, 2008 2:59 pm
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Gosh I thought you would have forgotten about me!!! Viki and Swans girl , great to hear from you x x x x
When will this all end?
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kallis3

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Post by kallis3 » Sun Oct 19, 2008 3:00 pm
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Welcome back louby.

HSBC are a pain with DMP's, but just make your DMP payment to them as usual. They will eventually sell on your debt and the company they sell on to will normally accept the reduced payment.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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moretolife

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Post by moretolife » Sun Oct 19, 2008 3:06 pm
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hi there...good for you...you sound so positive...well done...my daughter and Oh have recently finished a DMP and right to the last minute HSBC kept them haning on and on and .....on...
so hope you get resolution and get going

keep posting...start a blog...celebrate.!!!
IVA completed 11th Dec 2009 due to a Full and Final with the fantastic help of Michael Peoples and
Mc Cambridge Duffy

Visit my blog...Journey from Debt to Life Post IVA
http://moretolife.blogs.iva.co.uk
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Skippy

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Post by Skippy » Sun Oct 19, 2008 3:23 pm
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Welcome back Louby! I'm glad things are going well, and good luck with HSBC x
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MelanieGiles

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Post by MelanieGiles » Sun Oct 19, 2008 3:32 pm
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Great news to hear that Brightoak are doing a good job for you Louby! I am sure that HSBC will see the sense of your DMP shortly.
Regards, Melanie Giles, Insolvency Practitioner
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debtmountain

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Post by debtmountain » Sun Oct 19, 2008 4:58 pm
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Hi Loubylou,[:)]

Welcome Back and glad things are working out well for you,let's hope HSBC agree in time.

xx
IVA accepted 13/11/2008..17 payments down,55 to go..
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freelili

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Post by freelili » Sun Oct 19, 2008 5:56 pm
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I hope HSBC agree to it for you, although they are somewhat less than the listening bank when it comes to these things. Misers me thinks. However do not let it upset you, youre doing all you can. I am very happy to see you back on and looking ahead.

They didnt officially accept mine either but they got the payout the DMP offered none the less, they didnt take any further action apart from selling the debt on.

I am fine also, thanks for asking about all of us.
Last edited by freelili on Sun Oct 19, 2008 5:58 pm, edited 1 time in total.
LILY

http://freelili.blogs.iva.co.uk

I asked God for an answer, I have to live with his reply.
Exsisto an angelus quod planto quispiam sentio melior.
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Wizzzard

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Post by Wizzzard » Sun Oct 19, 2008 5:57 pm
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Welcome back Louby ... glad things are working out for you. The relief must be great.
The best psychological health comes from admitting your faults and recognizing they're caused by someone else.
Wizzzard xxx
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facingittogether

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Post by facingittogether » Sun Oct 19, 2008 6:33 pm
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welcome back louby!

you really have come a long way! hope you get some joy with the remaining creditor!

love barb x
12 down - 60 to go! woo hoo!
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tori

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Post by tori » Mon Oct 20, 2008 10:50 am
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Welcome back Loubylou,it's great to hear from you.Glad you are finally getting things sorted as well.Take care! [:)]xx
please visit my blog http://tori.blogs.iva.co.uk/ a second chance..
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kal

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Post by kal » Mon Oct 20, 2008 6:08 pm
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Welcome back Loubylou,
Glad to hear things are looking good for you with your DMP - ;let hope HSBC see sense soon!
k.
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