Written on: 30/06/2013
Like many other people in the UK, I found myself swamped in debt, I found it very easy spending on credit cards and purchasing goods on credit but didn't stop to think about how I was going to pay back all this money I was borrowing! Day by day I was becoming more and more stressed about my financial circumstances, my long term relationship had also ended and a big part of my debts were also down to my now departed partner! I was certain that I would be able to cope with with my debts and there would be no problem. My daily dream was that I would win the lottery and everything would be ok Of course that didn't happen (And it still hasn't!) I didn't dare even think about how much money I owed, I always paid the bare minimum everytime a credit card statement came in, I rarely looked at the balance on the account! Eventually I did total my debts up and to my complete shock I was almost £40.000 in debt, it was then that I plucked up the courage to speak to a family member about my debts and they encouraged me to face up to the mess I was in and do something about it. I searched the internet for answers and thankfully I came across debt free direct. It took me several times to actually pick up the phone and speak to somebody but eventually I did and I have never looked back. Every single person I spoke to at DFD were so kind and understanding, they didn't judge me, they just wanted to help. And help they did. I am so grateful to them for getting me on the road to dealing with my financial problems and facing up to them. I soon realised that I was not the only person in the country daft enough to get into so much debt! Once I had my initial conversation (which was nerve racking!) DFD made everything so easy, they basically look after you and take care of everything on your behalf. With the help of DFD it was decided that my best option was to go for an IVA rather than bankruptcy which enabled me to pay off my debts at an affordable amount to me, DFD contacted all of my creditors to organise everything that needed to be done, I just sat back and started to relax a bit! If ever I had any queries or any concerns about my case I just called DFD and they put my mind at rest and assured me that I had nothing to be concerned about and that everything was being done for me. My creditors all eventually agreed a reduced sum for me to pay back and my IVA begun. My IVA was going to run for 6 years which was very daunting but it would have taken a lot longer than 6 years to pay off all my debts without the help of DFD. I have been fortunate and recently with the help of my family I have now paid my IVA in full after it running for almost 3 years. I am now debt free and this is down to DFD. If anybody is in this situation and needs help, please go to DFD, they will help you so much and you will not regret contacting them.
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