So I had a meltdown as at Christmas event on Sunday. I don’t know what really went on I don’t remember much of it. One min I’m having a great time the next I’m in tears and feeling all alone. I can’t face seeing the people I was with that day (other than OH) or going to that pub for a long time. In fact, I don’t even want to leave the house. I called in sick for my placement yesterday and cancel my bank shift for today. Now I need to make up those hours and that pay.
Speaking of pay, I have no idea how I am going to pay the bills in January or the CCJ if I get one. One thing going my way (I think) is that I might be able to push the ccj back to January by saying I can’t do the mediation on 12th December. I can’t see I’d get a court date for December. Also, Moriarty never show up to court so it goes against them.
I’m feeling very down at the moment, not saying much at all and looking distant.
One good piece of news. I got my final uni marks yesterday and I got 88% on one of the components!!! I’ve never had anything like that before. Due to having 2 very poor marks, my overall grade will be sitting on the border of 2:2/2:1 but I’m happy with that. On;y the OSCE to come back but no-one ever fails that.
What can I say about my finances, other than they can only improve from this point forward.
I have a few different strategies for certain debts: statute-barred; repayment; DMP.
I used to be in a Debt Management Plan and I even had a DRO at one point but I never learned my lesson so it seems. Those that I’m not paying off I am going down the statute bared route & hoping that I make it through 6 years (1.4 years down). I am having issues with one account and I’m currently fighting a CCJ in court.
I wanted to make a post detailing my plans and making me accountable. I intend to update once a month on how everything is going.
Creditors have to take legal action about debts within certain times which are set out in the Limitations Act 1980. For most sorts of debts and bills in England and Wales this time is six years.
If the creditor doesn’t start court action within this time, the debt is not enforceable because it is “statute-barred”. When a debt is statute-barred it still exists legally, but because you cannot be taken to court for it, you do not have to make any payments to it.
This six-year period begins when the creditor has a cause of action – this is the point at which the creditor could go to court for the debt.
If you are making the normal monthly payments to a debt, you can’t be taken to court for it. It is only when you have missed payments and the creditor can go to court that the 6-year period starts.
I am going this route for most of my closed & defaulted accounts. So far only one has taken me to court where I’m fighting a CCJ, the others either aren’t contacting me or are sending idol threats via text. I am counting down the months til I can say bye-bye to them. If any of these come back and start threatening court, I will drag it out as far as I can then try to set up a DMP with them then look to offer full & final settlements down the line. I am going to do this alone and not through a fee-free company so I have full control over everything and can offer more money to one if I have some left over at the end of the month
David Lloyd [gym] £580 – no longer on credit file – heard nothing [poss SB]
Trugym [gym] £86 – no longer on credit file – heard nothing [poss SB]
Lending Stream [PD] £86 – no longer on credit file – heard nothing [poss SB]
QuickQuid [PDL] £539 – taking me to court
Natwest [Loan] £4888 – Default on file – treats by text [1.4/6 SB]
Natwest [OD] £766 – Default on file [1.4/6 SB]
Very £766 – Default on file – treats by text/letter [0.11/6 SB]
JD Williams £1241- Default on file – unenforceable [1/6 SB]
Cash Plus [card] £280 – Default on file [1.4/6 SB]
A debt management plan (DMP) is a debt solution that can be used to help people pay back their debts at an affordable rate. It’s normally suitable for someone struggling to meet the repayment amount they originally agreed with their creditors.
I have no debts under this arrangement as yet but I do have all documentation ready to sent if/when needed.
I have 4 debts that I am doing to this with after they default. All to be repaid ASAP
Marbles 741 – £50 a month – 15 months
Aqua285 – £25 a month – 12 months
Uncle Buck 632.72 – £25 a month – 25 months
SafetyNet Credit1250 – £50 a month – 25 months
One day I may actually learn my lesson. Today is the day…I would like to possibly get a mortgage by the time I’m 45 (2026) and need all defaults off my file by then.
So how are my grades looking so far? Not good actually. The group presentation came back as 52 and all but one person in our group thought that was a crap grade. My acute care grade came back as 40!! That same person above went and failed! I’m barely going to get a 2:2 this year at this rate.
I’ve worked out I need 65+ on all assignments in 3rd year for even a 2:2.
Is anyone else struggling with university or has anyone struggled
Engaging Service Improvement poster presentation: 16th October 2019 Engaging Service Improvement essay: 21st October 2019 Evidence Based Practice project plan: 4th November 2019 Evidence Based Practice lit review: 4th November 2019 Evidence Based Practice exam: 7th November 2019 Long Term Conditions exam: 14th November 2019 Drugs exam: 14th November 2019
I am not even thinking about exams till, after 21st October, I honestly feel I will be ok with them, it is my assignment due in on 21st that is currently killing me! At first I thought the assignment was easy but now I’m struggling to understand it. I have finally gotten an appointment with learning support as I struggle with evaluate/analyse etc , Been trying to see them for ages but nothing, have to email them direct, then they compain about the time before the deadline. Doesn’t seem right as some in my cohort appear to get appointments whenever they want and see them for EVERYTHING!!
I’ve had two essay results back so far both pretty poor marks 49 + 55. I need to really improve with the rest of the year. If I can get a decent poster/presentation mark then I should pass the module as I feel my assignment mark will be a fail.
Trying to find out if 2nd year is worth 50% or only 30%. I do hope it’s 30%
As you can see my marks are average. PCP was a load of crap 🙁 The units that are PASS are only pass or fail. Annoying as the pass exam I got 100% and only needed 80% to pass. I am a solid 2:2 student so far. I’d like 2:1 but I don’t really have the motivation for it and don’t necessarily need a classification to go on to further study for nursing, some do ask for 2:1/2:2 some just ask you to be a register nurse.
Year 2 marks
So far I have only gotten one mark back 49%, I have another due back next week. The first half of this academic year has been mostly placements and lessons. The exams, coursework and OSCE are all in October/November.
I did, however, have a practice drug calculation test and got 100% only need 90% I think this year. What I am really stressing over is the OSCE, last year I failed the first attempt. This year it sounds better as we have 5 stations at 12 mins each and need to only gain 20 out of 40 marks with nothing compulsory like last year.
I am currently on my third placement, a short 3 weeks on a surgical ward (digestive diseases). I don’t know why but I get nervous every second I’m on the ward, mainly thinking that I need to know everything which I don’t. Three weeks should fly by though.