Well since July last year when I came to this site with my head stuck in the sand I am now all agreed with my DMP. Finally HSBC agreed and I pay a total of £250 per month instead of £800... what a total relief and if I can say a total weight off my mind. Since July I have paid cash for everything an...

Gosh I thought you would have forgotten about me!!! Viki and Swans girl , great to hear from you x x x x

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 n...

Me too!

Scarey reading this but I do admit to using my OH card now and again, but he has always been in the car waiting for me incase things go wrong!!! Naughty Louby!!! I am so scared about this happening - as we all know money is at a premium at the mo for us all so I check my account every day!!! Someone...

The thing is you are addressing this now - I wish I had done this a long time ago then I wouldn't be in this mess now - well done to you and I hope you contact a quality IP (there are some fab ones on this site) and that they can take the first step in helping you. Good luck and keep us all posted, ...

Thinking of you Ray - get better soon.
Sending lots of happy thoughts x x

Things are moving I recieved 2 letters today one for my virgin credit card and one from alliance and leicester (both MBNA i believe?) they have suggested for me to pay a little more than I suggested but what the hell I can't believe this looks so promising and as long as I keep up the repayments the...

Today has been better so far only 5!!! but hsbc slipped a few calls in. I think I would be ok speaking to them but get all tongue tied when I can't think what to say. Viki I think of you all the time about that debt collector!!!! I have had nightmares since that post... Brightoak say to give them th...

Hey, just though I would tell you that Egg have called me 15 times today ranging from 9:15am - 21:49 tonight. This has to be harassment in the lowest form. I have to have my mobile on for work purposes so this was the most annoying day so far!!! aaarrrggghhhh I hate this and dread tomorrow. God can'...

I opened the Halifax and log in to it every day just to see a credit amount!!!!!!it's amazing

Hi, I am currently in an DMP with Andrew and the team at Brightoak and it has been a very simple thing to set up. My only concern eith this is that it is not legally binding and unlike an IVA they my not stop interest etc.... I will keep you posted on my progress, at the mo Andrew has sent all my cr...

Hi everyone - hope your all well. I don't as such have much to report, my DMP is up and running now (have paid my first lot of money) and letters are going out to creditors today/tomorrow, so as things go in my little world of debt so far ok!! don't want to rock the boat too much so best not say too...

JUNIOR!!!!!!!!

Oh thought I would have a go and see what I am!