hanging my head in shame

worried_jim

Have been looking around the site today and have come across this thread-
http://forums.moneysavingexpert.com/showthread.html?t=1331929
I love this site ! its sooo funny.

schoolrunmum

worried_jim wrote: »

Hi Piglet ! Just been to Aldi and spent £21. Reckon that would normally cost £30 in Tesco. Aldi prepared salad is 79p, I was paying £1.50 in Tesco.
Had a call from Payplan today to advise me they are sending some paperwork out and will be calling me back 1 week today.
I am going to try to claim back my Bank charges from First Direct, I have no idea how much they will be but over six years I am sure that it will add up. Not sure how to go about it though as I no longer have access to the account through internet banking- do I just write to them and ask them ? Any idea's on what my chances of success may be ? Has anybody else done it ?

.
Hi again Jim. I claimed my bank charges back from FD,using forms downloaded from this site. It was really easy, they didn't even want the £10 cheque I sent them for the old statements! They coughed up over £700 for me without the slightest protest....go for it I say!!!

MrsAudus2b

Hi Jim

Just been reading your thread...:j for you!

And I LOVED the link to that thread!:rotfl:

Good luck and keep it going
xxx

worried_jim

Hello everyone !
I have just sent off my letter to First Direct to ask for a breakdown of charges over the last 6 years.(thanks Ras). Still feling pretty up beat, although not everything is finalasied yet- that happens on Tuesday. After I finishing my second job last night I went to meet some friends in a pub- they were so pleased to see me (since May) I didn't have to buy a drink all night! And there may be another interest rate cut to 4.44 svr with the abbey, although this is unconfirmed ar present. If this were to happen I could clear off my o/d with smile and make in roads into the £900 cc with nationwide.

dancingfairy

It's great to hear an update - you'll be knocking spots off the debt in no time.
Good Luck with it all (though I don't think you'll need it)
df

Rammstein1

just a quick post to say what a great thread this is
it never ceases to amaze me that there are so many peeps on here that are willing to spend time helping out complete strangers
everyone is so helpful and stories like yours are inspirational
well done on the progress you have made so far and i will subscribe so i can keep reading if you dont mind
instead of hanging your head in shame you should now hold it high in the knowledge that you are getting there

Rammy

miggy

worried_jim wrote: »

Have been looking around the site today and have come across this thread-
http://forums.moneysavingexpert.com/showthread.html?t=1331929
I love this site ! its sooo funny.

Have you seen this one?
http://forums.moneysavingexpert.com/showthread.html?t=1322337

Keep up the good work!

worried_jim

I am finding really frustrating waiting for 10am Tuesday. I want to get things sorted out, I know after a year of doing nothing a few more days wont hurt. Strangely I've had no phone calls for a week or letters.
I love the fact that people are still finding this thread and adding their own comments of support and anybody reading this will have seen the emotional and financial roller-coaster I have been , just in the last 2 weeks when I first started. As I said above I went to the pub on Friday for the first time in a while, this is not just because of lack of funds but also working 2 jobs limits my options and energy, and I was invited to help celebrate a dear friends birthday last night ( I know going out 2 nights on the trot), whilst walking home this morning (4am) it was below 0c , not a cloud in the sky all the stars were out and everything was covered in ice and sparkling in the moonlight, as I gazed up I thought to myself that just maybe everything will be all right.

worried_jim

Well i've had my last interview with payplan and I make my first payment of £100.50 on December 22nd. I have returned all my paperwork to payplan and within 1 minute of putting the phone down I set up my standing order to them. I've cancelled my existing dd's to mbna and I also called first direct to ask them for the balance. Not heard anything back from First Direct regarding the bank charges but only sent the letter a week ago.
I guess this is the end of phase one of my debt free journey, by mid January creditors should have started to recieve payments etc and phase 2 commences, this all seems a bit straight forward at the moment and I must say that payplan have been brilliant, kept everything real simple and took the worry away. I am a fan.

piglet39

"as I gazed up I thought to myself that just maybe everything will be all right."


Hiya

Yes it will be!

It's so good to read how positive you are feeling now compared to when you first posted. It also gives a lot of hope and encouragement to other newbies when they read threads like yours.

Anyway hun - how's the aldi shopping going!

Piglet