Posted: Thu Apr 30, 2009 10:32 am
Just need to get some of your thoughts as yesterday I was in a bsolute state, cried so much that today I am dehydrated...lol
Anyway I got in such a state as me and my husband have built up 40k of debt mainly due to what we pay on cards is working out to be the same as the interest and we have go no where. Tried sorting out a IVA but it was getting so complicated due to me being self employed and as I cannot afford to buy stock, well everything is just going wrong. Anyway as soon as I hung up from the IVA company after getting so peed off with them I decided in a flash to do a DMP and do it myself. So i picked up the phone to MBNA which are my worst ones and the biggest debt to to sort it out. I have to say all the horror stories that I have heard I was really pleasantly surprised and he did try to set up a DD there and then but I refused to give him details as they still need to get my account authorised. Any way sorry I am waffleing.
Right well he took my details in betwen me crying my head off and workewd out that they wanted basically half they payment I pay now and month and that I will need to go in front of a board to authorise it and to freeze interest.
Now what do I do if MBNA come back with a NO and they wont agree to this, des any one have any ideas.....Or have a i waffled so much none of it makes sense.[:I]
Anyway I got in such a state as me and my husband have built up 40k of debt mainly due to what we pay on cards is working out to be the same as the interest and we have go no where. Tried sorting out a IVA but it was getting so complicated due to me being self employed and as I cannot afford to buy stock, well everything is just going wrong. Anyway as soon as I hung up from the IVA company after getting so peed off with them I decided in a flash to do a DMP and do it myself. So i picked up the phone to MBNA which are my worst ones and the biggest debt to to sort it out. I have to say all the horror stories that I have heard I was really pleasantly surprised and he did try to set up a DD there and then but I refused to give him details as they still need to get my account authorised. Any way sorry I am waffleing.
Right well he took my details in betwen me crying my head off and workewd out that they wanted basically half they payment I pay now and month and that I will need to go in front of a board to authorise it and to freeze interest.
Now what do I do if MBNA come back with a NO and they wont agree to this, des any one have any ideas.....Or have a i waffled so much none of it makes sense.[:I]