- Sun May 18, 2008 8:45 am
I'm glad that someone else on here thinks like me. I pay ALL my creditors their fair pro-rata payments on the 16th of every month then forget about them till the 16th of the next month.
It's the same with CCJ's. If my creditors threaten me with a CCJ then I always say " Get on with it then". I then go on to explain to them that they will bear the court costs as if I can't pay them what I owe them, then they've no chance of them getting another £200 in court costs.
One of my creditors threatened to bankrupt me. I wrote to them and just put on the letter " WHOOPEE" . When nothing had happened after a month, I wrote to the creditor complaining that they weren't acting quick enough, and I told them that if they didn't hurry up and carry out their threat to bankrupt me, then I was going to sue them for "falsely building my hopes up of having a future debt free life". They never did carry out their threat( I wonder why). Every time that they phone or write now, I always say that my debt to them doesn't matter, as they're gonna bankrupt me. I bet they wish that they'd never said that now. It backfired on them bigtime.
I've said it before, and I'll say it again.- I don't mind paying my creditors back, after all, I've had the money. But it is on MY terms.
I've just sent off a letter to one of my creditors yesterday. In it, I called them a "SET OF BUMS"... now say what you like about CCCS, Payplan etc, they'd never put that in any of their letters to creditors.
I recently "built in" a holiday allowance into my I/E of which I've just taken advantage of .... A week in Majorca staying at the Hotel Cala Blanca in Palma Nova. I recommend it - Sand, Sea, Sangria and *******(well, not too much ******* .... well, NO ******* actually) but it was still good to have a break. This DMP lark ain't so bad after all !!
My bank manager once said to me " You live like a king on paupers wages - how come" ? When my debts reached £70k, I knew the answer.