I feel good,no I dont feel good I feel great:D Have you ever had that feeling of not just a job well done but a job excellently done and you know that you have excelled yourself? I have had one of those days where you cant see yourself ever getting anything done because the world and his wife want you to sort out their problems first. So I spent all morning doing that and getting things sorted for clients that to say the least were unhappy,emotional,at the end of their tether. And the job sat on my desk waiting to be done well that had to wait. It was half one before I finally managed to get started on this job. Let me explain what I do. Clients come to us in mountains of debt and we endeavour to help them to sort it out. We do not give out loans to clear the debts,what we do is take the creditors and offer them repayments that the client can afford to make,which believe me is sometimes very little. Because we are a company a lot of creditors will accept this and it eases things off for the clients and gives them breathing space to enable them to get back on their feet.My job comes at the end of all this. I negotiate with Creditors on what is known as full and final settlements. The clients have a bit of money saved up or they have sold their houses and they want to get rid of the debt but dont have the full amount. This is where I come in. Mostly Creditors make the rules,because after all these people do owe them this money so it is quite up to them what they will take in settlement. Sometimes it will be 10% sometimes 20% but that is each debt,each creditor has to be negotiated with seperatly for each account.And some clients can have twenty creditors or more. Today I had to negotiate on five accounts totalling well over £18,000,the client had £10,000,and he wanted to settle his debts. One creditor had an outstanding balance of £14,459 alone. So it took me all afternoon to trace a couple of the debts that had moved and noone had changed it on the system. But trace them I did. I ended the day wiping the clients debts off for £9,800. And justifiably feeling very pleased with myself. Course when I rang the client he was suited as well;)
So now I am going to treat myself to a chinese meal and a glass of wine;)