This morning, I was woken up by the phone ringing. Just as well really as I was dreaming about, well I don't actually know what it was but it wasn't the most fun of things. My phone-call was from The National Accident Helpline and their legal team. They wanted to discuss with me what had happened when I had my accident last year.
After a good chat and looking at the situation, it was decided that I have got a claim here and chances are I can expect a rather nice award. More than enough to clear the debts we have, get Steve a new laptop (we talked at length and he said that this was all he would ask for, knowing what I may end up with, I think I would be a right tightwad if I didn't do that at least) and generally upgrade all the things we need upgrading and treat the piggies to something lovely too.
I won't be handing out lump-sums just because I have been made to feel bad about things. Yes I will get him a laptop, but this will be to make up for the fact that our last birthdays and Christmas's were a bit of a wash out as we didn't have that much money.
I WILL NOT BE MANIPULATED OR BULLIED IN TO GIVING STEVE LARGE LUMP SUMS WHICH CHANCES ARE HE WOULD WASTE ON RUBBISH.
I will probably buy a few things for myself and sort out a few things, maybe even put a small amount away in a bank account (obviously declared to DWP) to build up some savings for the future and keep us well out of debt for the rest of our lives. I think the idea that if we can't afford it, we DO NOT have it will be the recurring theme. Heck it will be absolutely lovely not to have debt collectors knocking our door because of my own stupidity and the fact I had these Credit Cards in the first place. I know one thing, I will NEVER have another credit card as long as I will live.
As promised, I think I will explain how the credit card debts came about. I got my 1st Credit Card back in 2008, the original idea was for emergencies or to help me get my 1st moped. At 1st, it was all going well, yes I was spending on it, but as I was working I could pay it off. Life was easy. Until my mother got wind and started using my card to get things like shopping in, never repaying what she spent on there. I then moved out and had to life on my card. I was paying it off on time and keeping my head above water, but it wasn't easy. I also ended up with another card from Barclaycard which was used to repair damage to my flat, which wasn't my doing, but as I was the tenant, I still had to pay upwards of 500-600 pounds. After getting with Steve and everything that went on there (codiene, pandering and everything else), I just fell behind and was never able to get back on top of things. Due to interest and late payments, being messed around by JSA/ESA and Housing Benefit not backdating as no one took responsibility our debts looked as follows: (correct at last statements)
£1119.53 - Halifax Credit Card (I have a £50 a month agreement with them at the moment)
£617 - Barclaycard (another £50 per month agreement)
£518- Rent Arrears
Total Debt - £2254.53
With the compensation claim, we can pay this all off in one fell swoop and then all credit card accounts can be closed down and never touched by any of us, EVER again.
3 years ago