woooohooooo fantastic news Toby.....we are 7 payments in now and time has flown by,made easier by mark and his team!!I dont dread the phone ringing now or postman coming and apart from being skint,which i can cope with as i know it will end,i feel human again.....this forum has been a saving grace in contributing to that.heres to the next 28 months

Ha Ha! Superb Cal ! I used to hate that phone ringing: I can now answer with confidence! I think you hit the nail on the head Cal, once you are given another chance you start to feel human again....I like that!
Toby

This is great news Toby , you can relax a little now

Kitty x

Thanks Kitty! Appreciate your comments. x

I don't want to say enjoy the next 36 months but what the hell, enjoy not worrying about how you'll pay for everything, enjoy knowing that this'll all end. Use the next 36 months to learn living on a budget - not as bad as you think. There are plenty of places online you can get help with that.

If you can afford it, try to treat yourself once in a while. Even if it's something as small as buying something out of the supermarket posh range as opposed to normal or budget. As a non drinker myself, I would buy a posh cake or a tin of posh coffee on payday. Not a great selection though due to my annoying allergy to caffeine.[:o)]

Congratulations Toby, it's wonderful to read how positive you are feeling.

What a shame you didn't check into the forum last night so you could have had some sleep!

Congratulations also to Mark and his team on (another) job well done.

G'day Gillian and TDA!
Yes Gillian you ARE correct of course: it's really nice to know you won't have to worry now unless of course I do something really silly (NO CHANCE...SERIOUSLY!), and yes, I buy coffee too! I have a Dolce Gusto machine which my son gave me for Christmas: I can now buy a couple of boxes of pods to celebrate!!
And TDA: what can I say! you have been one of my "Rocks" with sound advice and continued support. What a really fab job you do. And of course I wish I had checked in last evening, it would have made a HUGE difference! But I will savour this day for the rest of my life and YES it IS that important to me: I am a very lucky man to get another chance. Mark and Co. AND all the other first class companies really do need to be recognised as people not only who are doing a job, but are effectively instrumental in turning people's lives around.
So Thanks TDA and as I have said I will have today to savour, but believe me I am aware that others are still worrying and that is a very sobering thought!!
Cheers Guys....

And all this lovely advice, free!!!!!! No finders fee, no middle man fees and no fee for protecting the equity in your house, rabbit hutch or coffee machine[;)]. Deffo get a few nice pods for the dolce gusto and cake to go with it.

Ha Ha! Spot on Gillian! I WILL buy that cake now...AND have an extra slice JUST for you............!

Great news!!! You really will sleep better and will get into the swing of careful budgeting very quickly!!

Paul

Thanks Paul! Appreciate all your advice my friend: here's to the future.........
Toby

So pleased for you. Really hope I get the same news in four weeks and 3 days!

You are totally right Gillian,little treats are a must even when you are living on a budget,even if it is something very small. And using your own money for things really does teach you some great lessons. Makes you ask questions before you buy things,like "do I really need this?"

And start counting down the months,I made a chart with 42 months of boxes and ticked them off as I went.

It really will fly bye. It wont always be easy,it wont always go smoothly but communication with your TD firm is key to almost anything,they can help you if you dont ask!!

Paul