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  • FIRST POST
    • jwil
    • By jwil 27th Mar 17, 2:47 PM
    • 7,808Posts
    • 22,393Thanks
    jwil
    Onwards and downwards...
    • #1
    • 27th Mar 17, 2:47 PM
    Onwards and downwards... 27th Mar 17 at 2:47 PM
    Hey everyone

    Iíve decided itís time for a new diary. Iíve been plodding away for years, robbing Peter to pay Paul, desperately trying to keep on top of everything. Iím fed up with doing this, so at the end of last year I started a DMP with Stepchange. Having someone else do all the hard work takes so much pressure off, and I donít need to worry about it so much now. I wish Iíd done it sooner!

    There is also the ongoing saga of clearing the house which has been going on for years. We have cleared most of the stuff we inherited, but still have loads of our own stuff to clear, DH more so than me. Whilst this drives me crazy, it has been invaluable in providing us extra cash while I sell everything that isnít nailed down.

    For anyone new popping in (Hello! ) Do stick around. There is me, DH, little jwil (4) and little miss (1). We also have a dog and a cat. DH is doing temporary work at the moment whilst looking for a FT job. My job is very uncertain at the moment, so just clinging on with great hope! I thought it was ok for the next couple of years, but itís all change again now so who knows!

    I hope old friends and new will pop in now and again to say hello and give me a boot up the bum
    "If you can dream it, you can do it". Walt Disney
Page 20
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 12th Oct 17, 7:05 AM
    • 2,234 Posts
    • 10,753 Thanks
    HairyHandofDartmoor
    That sounds like a sensible plan, so good luck
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • retiredandskint
    • By retiredandskint 12th Oct 17, 10:47 AM
    • 664 Posts
    • 4,351 Thanks
    retiredandskint
    I remember when I started paying my debts off and the feeling of when I payed off the first one in full. We have continued to remain debt free and now save for anything we want

    I'm am so pleased for you and your determination to clear the debt and clutter is admirable .

    Mr Retired was on a slow but steady decline but over the last few months it's like he fell of the edge of the cliff to the next level. I've now had to admit I needed help.
    • jwil
    • By jwil 13th Oct 17, 6:31 AM
    • 7,808 Posts
    • 22,393 Thanks
    jwil
    That sounds like a sensible plan, so good luck
    Originally posted by HairyHandofDartmoor
    Thank you

    I remember when I started paying my debts off and the feeling of when I payed off the first one in full. We have continued to remain debt free and now save for anything we want

    I'm am so pleased for you and your determination to clear the debt and clutter is admirable .

    Mr Retired was on a slow but steady decline but over the last few months it's like he fell of the edge of the cliff to the next level. I've now had to admit I needed help.
    Originally posted by retiredandskint
    You did so well clearing everything retired, and great that you have remained debt free now

    So sorry to hear about Mr Retired, well done for getting the help you need. I hope you are looking after yourself too.

    I'm always here if you need to vent xxx
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 13th Oct 17, 6:32 AM
    • 7,808 Posts
    • 22,393 Thanks
    jwil
    Todays pads:

    £1.34 to Mortgage
    £3.00 to savings
    £2.06 to joint od
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 13th Oct 17, 7:47 AM
    • 7,808 Posts
    • 22,393 Thanks
    jwil
    I had a reply for my unenforceable full and final offer. They fairly understandably rejected my offer, but instead countered with a £200 discount They can go jump. I'll continue paying them £1 a month.

    So I'm just deciding which one to tackle next.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 13th Oct 17, 7:48 AM
    • 7,808 Posts
    • 22,393 Thanks
    jwil
    Right, I've written to my largest creditor and offered a more realistic F&F. It's enforceable, so I've gone for roughly 25% rather than super low. Again I expect it will be rejected, but it's worth a try!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 14th Oct 17, 8:46 AM
    • 7,808 Posts
    • 22,393 Thanks
    jwil
    Todays pads:

    £1.33 to Mortgage
    £2.00 to savings
    £1.63 to joint od
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 14th Oct 17, 8:51 AM
    • 7,808 Posts
    • 22,393 Thanks
    jwil
    We are off out today to sell some stuff. The car boot that we sell at ends soon and today is the last time we can go as we are away next week.

    We will have a good look through all the stuff and get rid of a load so we can start afresh next year, and build up some new stuff over the winter.
    "If you can dream it, you can do it". Walt Disney
    • Purplemumof2
    • By Purplemumof2 14th Oct 17, 8:52 AM
    • 5,286 Posts
    • 18,598 Thanks
    Purplemumof2
    Right, I've written to my largest creditor and offered a more realistic F&F. It's enforceable, so I've gone for roughly 25% rather than super low. Again I expect it will be rejected, but it's worth a try!
    Originally posted by jwil
    Good luck, nothing lost in trying
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7000.00 Cap 1: £457.35 BC: £5000.00

    AFD 0/10 NSD 0/10 LTW 0/10
    POAMAYC 2018 #?? PD £0.00/£4000
    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Oct 17, 4:26 PM
    • 2,234 Posts
    • 10,753 Thanks
    HairyHandofDartmoor
    Right, I've written to my largest creditor and offered a more realistic F&F. It's enforceable, so I've gone for roughly 25% rather than super low. Again I expect it will be rejected, but it's worth a try!
    Originally posted by jwil
    Good luck, fingers crossed they say yes.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • jwil
    • By jwil 15th Oct 17, 8:10 AM
    • 7,808 Posts
    • 22,393 Thanks
    jwil
    Thank you! It would be nice if they accepted, but also nice if they sent a reasonable counter offer. I might just have to sit on it for a while though, so be it.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 15th Oct 17, 8:11 AM
    • 7,808 Posts
    • 22,393 Thanks
    jwil
    We did the boot sale yesterday and got rid of some more stuff. Didn't manage to go through it all so might do that over the winter. We don't want to run out of room to put new stuff!
    "If you can dream it, you can do it". Walt Disney
    • Hiddenidenity
    • By Hiddenidenity 15th Oct 17, 8:16 AM
    • 4,230 Posts
    • 26,461 Thanks
    Hiddenidenity
    Well done on the carboot sales and good luck with the offer x
    • jwil
    • By jwil 15th Oct 17, 9:02 AM
    • 7,808 Posts
    • 22,393 Thanks
    jwil
    Good luck, nothing lost in trying
    Originally posted by Purplemumof2
    Good luck, fingers crossed they say yes.
    Originally posted by HairyHandofDartmoor
    Well done on the carboot sales and good luck with the offer x
    Originally posted by Hiddenidenity
    Thank you
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 15th Oct 17, 9:03 AM
    • 7,808 Posts
    • 22,393 Thanks
    jwil
    Got a letter from Tax credits yesterday and they've finally updated the information correctly. Our overpayment is now £1400
    "If you can dream it, you can do it". Walt Disney
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th Oct 17, 9:44 AM
    • 2,234 Posts
    • 10,753 Thanks
    HairyHandofDartmoor
    Ouch . We had to pay back about £2500 working tax credits when DH got his pension money
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • jwil
    • By jwil 15th Oct 17, 8:15 PM
    • 7,808 Posts
    • 22,393 Thanks
    jwil
    Ouch . We had to pay back about £2500 working tax credits when DH got his pension money
    Originally posted by HairyHandofDartmoor
    It's horrible isn't it Our tax credits for this year have stopped, and they reckon they'll get it back from next year, but I'm not sure we'll be entitled to any
    "If you can dream it, you can do it". Walt Disney
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th Oct 17, 10:08 PM
    • 2,234 Posts
    • 10,753 Thanks
    HairyHandofDartmoor
    Our tax credits have stopped too for this year I'm hoping we'll be able to manage without them. We should be able to claim them again in April 2018, depending upon our income. But I think we would be moved onto Universal Credit then and I haven't heard good things about that

    However I hope that we can raise our income sufficiently so that we don't need them by then.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • jwil
    • By jwil 16th Oct 17, 7:10 PM
    • 7,808 Posts
    • 22,393 Thanks
    jwil
    Total debt:

    1. £2,301.00/ £2,288.00
    2. £8,388.00/ £8,338.00
    3. £6,892.00/ £6,878.00
    4. £4,022.00/ £4,008.00
    5. £2,380.00/£1,900.00
    6. £4,586.00/£4,568.00
    7. £4,813.00/£4,787.00
    8. £1,175.00/£0.00

    £34,557/£32,763 = 5.19% paid
    Savings target: £19,320/£323 = 1.67% reached

    Emergency savings: £2000

    DFD - December 2087 Jan 2086

    Slowly but surely...
    Originally posted by jwil
    OMFG, I have had a letter from debt no 3 saying that they have closed my account and I owe nothing????????? That is an account I have CCA'd and they haven't responded. It's also the one I have a ppi claim on

    It also says they will remove it from my credit record.

    It's as a result of my recent correspondence which must mean my 'going it alone' letter.

    I cannot believe that, I will not believe it until I see it
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 16th Oct 17, 7:12 PM
    • 7,808 Posts
    • 22,393 Thanks
    jwil
    Our tax credits have stopped too for this year I'm hoping we'll be able to manage without them. We should be able to claim them again in April 2018, depending upon our income. But I think we would be moved onto Universal Credit then and I haven't heard good things about that

    However I hope that we can raise our income sufficiently so that we don't need them by then.
    Originally posted by HairyHandofDartmoor
    It's a real minefield isn't it.
    "If you can dream it, you can do it". Walt Disney
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