I am not quite ready for the old last post yet. Just the fight, the better day coming thing.........it's not, not for me in real terms. I don't know, how many nights can you spend looking at the ends not ever even coming close to meeting before you admit it? I will keep updated, Hopefully no more me...

Thank you Kallis also

Thanks David, I am not by nature a procrastinator, it's simply my fear of extended payment time/bankruptcy. Frankly neither of those will improve my ability to manage, or allow me to give my children the modest things they actually do need, such as new shoes without the holes in the soles. School lu...

It's ok David, just me procrastinating really, but I am very worried I will be given lower payments over a longer time and frankly, emotionally, that will be far worse for me.

Hi all. I apologise, this will be a little meltdown here. Still no call back from the correct person at payplan. I rang a few times. I haven't nagged because frankly, I am terrified. My job is gone, as discussed. I don't earn what they want from me. At my age, I am not placing any great hope in earn...

Hiya Swans girl. Thanks for that, everyone here is very kind. I will ring them back, nerves and terror mean I have to psych up.

Thanks David.

Many thanks David, as you can imagine I am terrified. I have tried to ring them now, been bounced around a bit and promised a return call.


I didn't mean to mislead them or anything I just wanted to pay the thing and be done however hard and I did well this far.

Thank you David, I am with Payplan. I honestly can't recall what I had to pay back, but I can access the paperwork. I literally gave them almost all the money anyway though payment top up, except for the school uniforms for my boys when they changed schools. I also have to add that I do earn half my...

No problems Jan. Do you think I will have a problem with the redundancy thing? They got it all anyway, literally, I used it to top up the payments because at one point I didn't even physically earn the cash to give to them for monthly payments, never mind to live on. I was worried at the time that t...

Hi I know how you feel, I was made redundant friday its so scarey but I informed my IP straight away and I must say they were great,just be as honest as you can and tell them the truth, hang on in there Ive applied for 6 jobs allready Thanks Phil, I know how you feel too. When I lost my job I fully...

Morning all and many thanks for the help. I will be honest, it was the not telling them about the redundancy pay that concerns me. I didn't waste it, I used it to buy my kids school uniform when they moved from primary to high school and the little left I used to top up my payments. I thought I coul...

I was scared to to be honest because of my not telling them I had lost my job. I will do it though. I paid every penny they asked for this far. I can't even describe how hard it's been, I assume most people here know, anyway. This last crop of bills a few pounds here, a few there, it tips the balance.

Thank you Kallis! I really appreciate it.

I have literally struggled this far.

If it fails it will be all for nothing and more of the same for who knows how much longer beyond?

Hi Melanie and thank you very much! The name was me trying to cheer myself up with something to make me smile!

Reading back, I made a mistake, I typed 3rd year, I mean 4th year. I only have 11 payments left.