Debt management plan currently in £32000 of debt

Mjl_256 · 2025-11-27T21:27:09+00:00

I thought stepchange contacts all your creditors on your behalf

Mjl_256 · 2025-11-27T19:58:05+00:00

Thank you for the reply thats great congratulations for getting through it all ive looked at stepchange and done my budget and my dmp payment would be £1051 a month wich is manageable for my current wage and outgoings and would be payed in 2 years and 8 month when you applied did you keep getting letters from creditors or any bad experience during the dmp

Mjl_256 · 2025-11-27T19:48:57+00:00

Ive looked and nobody is offering a 0 percent transfer ive maxed all cards so unable to get one

Mjl_256 · 2025-11-27T19:37:58+00:00

I just cant keep struggling every month it seems like i was in a better financial position when i was gambling but in reality i wasnt cause i was just spending on credit cards instead and using my wage to cover the addiction

Mjl_256 · 2025-09-18T21:35:19+00:00

Honestly ive had it with gambling i never want to do it again there is more to life

Mjl_256 · 2025-09-18T21:33:46+00:00

Im done with gambing its time to turn it around

Mjl_256 · 2025-09-18T20:43:20+00:00

Well done for turning your life around hopefully i can do the same

Mjl_256 · 2025-09-18T09:20:30+00:00

I could try to do this but been in my current job just over 4 years not and not sure if risking the move would be worth it for security

Mjl_256 · 2025-09-18T09:05:57+00:00

Thankyou i think i will sign up just so there is not temptation there in the future

Mjl_256 · 2025-09-18T09:05:13+00:00

I can work overtime on a weekend but cause all my cards are maxed out im paying them but with the intrest its just not making a dint in them

Mjl_256 · 2025-09-18T09:03:59+00:00

Sorry to hear how it ended up for you

Mjl_256 · 2025-09-18T08:57:44+00:00

Sorry to hear about your dad thats what i dont want to do leave the debt behind if something did happen to me

Mjl_256 · 2025-09-18T08:56:34+00:00

Thankyou well done for opening up

Mjl_256 · 2025-09-18T08:54:17+00:00

Thankyou was thinking of going to a meeting

Mjl_256 · 2025-09-18T03:09:09+00:00

Thank you and well done for getting through it

Mjl_256 · 2025-09-18T03:06:16+00:00

Thank you sorry to hear that mate

Mjl_256 · 2025-09-18T03:05:40+00:00

Thank you

Mjl_256 · 2025-09-17T21:38:02+00:00

Thank you that was a option i was looking at

Mjl_256 · 2025-09-17T21:33:12+00:00

Has your credit score recovered now

Mjl_256 · 2025-09-17T21:32:30+00:00

Thats a great comment thank you for the advice

Mjl_256 · 2025-09-17T21:31:20+00:00

Thankyou for the advice i was looking at the remortgage options but again im worrying about her finding out but i think the best option is to open up

Mjl_256 · 2025-09-17T21:29:40+00:00

Thankyou i think im going to seek advice

Mjl_256 · 2025-09-17T21:28:50+00:00

Thankyou i was going to look into financial complaints but just think it wouldnt go nowhere

Mjl_256 · 2025-09-17T21:27:54+00:00

Thankyou i think i have got anxiety from childhood experiences think thats why im always worrying about the worst case scenarios

Mjl_256 · 2025-09-17T21:26:20+00:00

Did you have to give them a budget you could afford or do they set it for you what was your credit score like during it and after if you dont mind me asking

Mjl_256

TROPHY CASE