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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 2nd Aug 16, 6:58 AM
    • 4,947Posts
    • 16,040Thanks
    Purplemumof2
    Back in debt but not out
    • #1
    • 2nd Aug 16, 6:58 AM
    Back in debt but not out 2nd Aug 16 at 6:58 AM
    Hi,

    It's been over a year since I was here last.

    Last time, we managed to get debt free by consolidating our debts, but due to a lot of things we are back in debt again.

    This past month has brought things to a head, we've been rather stupid and things have gotten out of control.

    So where are we with the debt:

    Barclaycard: £8829.88
    Overdraft: £2750.00
    Total: £11, 579.88

    Ignoring the OD for the moment, as I'm not too worried about that one, I need to make headway on sorting the BC out.

    Things coming up this month are:

    DD's birthday
    Pay remainder of DD's party
    Pay for food at DD's party - already ordered just needs paying
    Pay for DD's cake
    School uniforms for both kids

    Will post my plan in the next post, back in moment
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
Page 62
    • Hiddenidenity
    • By Hiddenidenity 10th Jun 17, 6:13 PM
    • 4,466 Posts
    • 18,198 Thanks
    Hiddenidenity
    How to fock up what should be a nice weekend.

    Finding out your 12 year old has bought loads on the Xbox without permission.

    Now we have a Capital One credit card bill in the region of £600.

    Just when I thought things were getting better
    Originally posted by Purplemumof2


    Please try and contact Xbox and explain, I know mines younger so it was my fault really but I contacted them and they refunded all ours and told me how to remove my card etc.
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £80 Amazon
    • debtaghh
    • By debtaghh 10th Jun 17, 6:34 PM
    • 606 Posts
    • 1,765 Thanks
    debtaghh
    That's awful, can you try calling them or your card company?

    Hope you manage to sort it out x
    Debt Aug 2017: Cc £45,999- family £37808: total debt £83,807

    Current debt: Cc £45,331- family - £37759.55 total debt: £83,090.55
    • mummytogirls
    • By mummytogirls 10th Jun 17, 8:47 PM
    • 5,320 Posts
    • 15,935 Thanks
    mummytogirls
    OMG PFO2 I would be totally fuming I hope they can do something even if they only refund some of the transactions xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • ChicaBonita
    • By ChicaBonita 11th Jun 17, 10:39 AM
    • 610 Posts
    • 1,334 Thanks
    ChicaBonita
    Delurking to say my brother did this when he was around 9/10- he stole my mums purse while she was having an afternoon nap one day, bought on a Santander and barclaycard. When she found out Barclays refunded but Santander told her point blank no. The punishment went on for a long time as you can imagine!!! Think she was out by a couple of hundred in the end. With my brother (who is autistic) he gets so fixated on stuff, especially games, that when he wants it he can't understand why he can't just have it!
    House Deposit:£10,352.21/£14,000 = 73.94% Money Made'17 August: £41.04July:
    £4.95
    June: £5.35 May:£30.30April: £51.09March:£28.25Feb: £120.47 Jan:£14.35
    Total Made '16:£284.60
    • UncannyScot
    • By UncannyScot 11th Jun 17, 11:07 AM
    • 510 Posts
    • 2,176 Thanks
    UncannyScot
    Oh no!
    Hopefully get it sorted out with Cap One.
    Friends have had this happen as all it takes is the kids to see dads (or mums) details for Xbox Live and boom!
    My friends have theirs locked up tight so the wee (and not so wee) ones cannot get access to that part of their account.
    Mostly, it can be sorted out, the downloaded software removed from system and costs reimbursed etc. Xbox and PSN are used to this kind of thing happening...
    Hope you get it sorted
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Purplemumof2
    • By Purplemumof2 11th Jun 17, 11:11 AM
    • 4,947 Posts
    • 16,040 Thanks
    Purplemumof2
    Morning,

    Thanks everyone for your replies.

    Xbox won't refund as he bought Points? Something in their t&c's say no. Capital One no, as termed as bought with permission as his cc is stored on the console.

    So......DS is grounded and has to find ways to pay 'his debt', so jobs around the house, selling some of his stuff to help pay for it, earning money etc.

    This isn't the first time he's pulled a stunt like this.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • UncannyScot
    • By UncannyScot 11th Jun 17, 11:15 AM
    • 510 Posts
    • 2,176 Thanks
    UncannyScot
    Sorry to hear that...
    Sell his stuff on e-bay and make him work off what he owes and remove or change CC so he cannot do it again...
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Purplemumof2
    • By Purplemumof2 11th Jun 17, 11:38 AM
    • 4,947 Posts
    • 16,040 Thanks
    Purplemumof2
    Sorry to hear that...
    Sell his stuff on e-bay and make him work off what he owes and remove or change CC so he cannot do it again...
    Originally posted by UncannyScot
    That's the plan. He's quite remorseful this morning.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • MistyMountainTop
    • By MistyMountainTop 11th Jun 17, 2:29 PM
    • 595 Posts
    • 2,011 Thanks
    MistyMountainTop
    Was it something done over time or all in one spree? I can sympathise with your situation, mine have done similar in the past and I would be left wondering how they could be so selfish, especially when they were raised to know right from wrong and also were fully aware of our financial situation...
    Current Weight Loss: 2/ 96
    • mummytogirls
    • By mummytogirls 11th Jun 17, 3:11 PM
    • 5,320 Posts
    • 15,935 Thanks
    mummytogirls
    Im glad you're making him pay back the debt PMO2, kids eh who would have them xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • Purplemumof2
    • By Purplemumof2 11th Jun 17, 3:28 PM
    • 4,947 Posts
    • 16,040 Thanks
    Purplemumof2
    Was it something done over time or all in one spree? I can sympathise with your situation, mine have done similar in the past and I would be left wondering how they could be so selfish, especially when they were raised to know right from wrong and also were fully aware of our financial situation...
    Originally posted by MistyMountainTop
    It was done over the whole of May, bits each week and because DH only gets a statement monthly, he didn't pick it up until yesterday.

    I said to DS yesterday that we're working our butts off to reduce the debt and no he's put us back by months.

    Blummin kids.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 11th Jun 17, 3:30 PM
    • 4,947 Posts
    • 16,040 Thanks
    Purplemumof2
    Im glad you're making him pay back the debt PMO2, kids eh who would have them xx
    Originally posted by mummytogirls
    I think this time he needs to know the consequences of his actions. Last stunt he pulled, he was 8 or 9.

    Thank god DD is a lot tamer
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 11th Jun 17, 6:05 PM
    • 4,947 Posts
    • 16,040 Thanks
    Purplemumof2
    Eventful weekend
    The title says it all lol What a weekend!

    So despite number 1 son nearly bankrupting us & yesterday being very stressful, this weekend was rather rather nice.

    Parents came down armed with goodies - washing powder, fabric softener, beer, wine, chairs for the garden, sweets for the kids & (whispers) raspberry gin and fever tree tonic for mum & me. Once the initial anger settled with DS we went to the local town for a wander & went into Poundstretcher, I got kitchen roll, multi surface cleaner & bleach for the toilets and step-dad paid

    Several trips to the local pub, paid for by the parents too love them to bits, they really spoil us.

    Went to Tesco & spent way too much again but the stocks are building up again and we should need very little now until payday, may be just a mini shop (I hate 5 week months )

    We returned the kindness with beef casserole Friday night, BBQ last night & a fry up this morning

    The rest of today has been ironing, cooking chilli for tomorrow and going for a walk. I went to Tesco but forgot fruit juice *Doh!* so will need to get some tomorrow for the kids.

    Situation with DS is being sorted and DS is really trying to make amends.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • enthusiasticsaver
    • By enthusiasticsaver 11th Jun 17, 7:20 PM
    • 4,009 Posts
    • 7,199 Thanks
    enthusiasticsaver
    I would be fuming with your DS and be reducing pocket money until it was all paid, assuming he gets pocket money.

    Re car parking, do you not have a park and ride in the town where you work? That is normally the cheapest way of parking. I actually pay nothing as I use the park and ride about 1 mile out of the city centre and walk in when the weather is nice. My employer subsidises the park and ride tickets so I use them when the weather is bad or I am in a hurry to get home.
    Countdown to early retirement on 31.12.17 4.5 months to go.
    • monz
    • By monz 12th Jun 17, 9:23 AM
    • 2,672 Posts
    • 7,344 Thanks
    monz
    How to fock up what should be a nice weekend.

    Finding out your 12 year old has bought loads on the Xbox without permission.

    Now we have a Capital One credit card bill in the region of £600.

    Just when I thought things were getting better
    Originally posted by Purplemumof2
    Ah no!!!!!

    Hope you are feeling better!! After everything you just been through xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,741.18/10,000
    mums xmas vouchers boots (surveys ) 20/50
    Christmas - 0/400
    Australia 2019 - /5000
    • Purplemumof2
    • By Purplemumof2 12th Jun 17, 12:16 PM
    • 4,947 Posts
    • 16,040 Thanks
    Purplemumof2
    Hi,

    Have come home from work as I feel lousy, feel sick and have a banging headache. One of the logistic managers suggested Lemon & Ginger tea as that helps if you're feeling sick, so I've got some.

    Wonder if it's just the stress of the weekend or a bug?

    DS missed the school bus this morning so had to go via normal bus, arrived at school at 9.45 *rolls eyes* luckily I had some change in the house that he could use.

    Things happening this week:
    DS has cadets tonight and Wednesday
    DD has guides on Wednesday - doing a BBQ apparently
    DD has a Yr6 trip on Thursday
    I'm out Friday
    Saturday my car is booked in for a service
    Sunday Father's Day

    Nothing much else to report, the bank account is plodding along. DH's expenses go in next week, so that'll help as it's quite a big one this month.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Purplemumof2
    • By Purplemumof2 12th Jun 17, 12:19 PM
    • 4,947 Posts
    • 16,040 Thanks
    Purplemumof2
    Re car parking, do you not have a park and ride in the town where you work? That is normally the cheapest way of parking. I actually pay nothing as I use the park and ride about 1 mile out of the city centre and walk in when the weather is nice. My employer subsidises the park and ride tickets so I use them when the weather is bad or I am in a hurry to get home.
    Originally posted by enthusiasticsaver
    No we don't have anything like that, buses to Wokingham are every hour (so DS found out this morning) so driving and the hop on the train.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • debtaghh
    • By debtaghh 12th Jun 17, 12:22 PM
    • 606 Posts
    • 1,765 Thanks
    debtaghh
    Hope you feel better soon x
    Debt Aug 2017: Cc £45,999- family £37808: total debt £83,807

    Current debt: Cc £45,331- family - £37759.55 total debt: £83,090.55
    • Hiddenidenity
    • By Hiddenidenity 12th Jun 17, 12:26 PM
    • 4,466 Posts
    • 18,198 Thanks
    Hiddenidenity
    Hope you're feeling better soon and it passes quickly x
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £80 Amazon
    • Purplemumof2
    • By Purplemumof2 12th Jun 17, 5:07 PM
    • 4,947 Posts
    • 16,040 Thanks
    Purplemumof2
    Still feeling fragile but not as bad as earlier.

    Have managed to find and gone through the savings accounts and changed addresses over. The only one I couldn't do was DH's ISA.

    My Principality one has the highest interest, so I think next year, I'll use this for the emergency fund and car fund.

    As the first half of this year was busy and the rest of this year is going to be busy, I'm going to restart trying to build the accounts up again next year. I'm hoping to use one to skim off and use for the OD fund.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
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