Hello! Newbie!

LittleEmms

DTDT - LOL!! I promise wasn't rubbing it in!!

Oooo on the credit card charges - I've closed a card a while ago (paid it off with a loan - stooopid I know - but all before having LBM and finding this site!!)

I think they had me with pyament protection - can I still claim even though the account is no longer open?

Emms

determinedtodothis

Yeah no harm in trying - you can even get charges back for credit cards that you have closed...

LittleEmms

Thanks DTDT - will do that in the new year!! oooo new challenges - I like them!!

determinedtodothis

Let me know how you get on!

Well i've done my sums and...

determinedtodothis

£114.06 Paid to Paragon!

:beer: :beer: :beer:

I also called the court and have informed them of the situation and filled in a form that says i want the hearing stopped on the back of Paragon saying what they did! thay way if they don't stop the legal action there end they have some questions to answer

:T :T :T :T :T :T :T :T

Now i just need to wait for the details i asked for yesterday and i will no doubt be reclaiming the charges for that joker of an "agent" who reckons he came and spoke to me

determinedtodothis

Well today has been a productive day (although not sure the boss would agree :rotfl: )

I have:

• Informed the court of Paragon retracting their case
• Wrote to paragon to remind them of what was discussed/promised yesterday
• Paid Paragon debt off
• Written to Cahoot complaining they have not responded to my SOA
• Written to Capital one asking for all my PPI to be repaid with interest
• Typed up letter to HP company ready for when they don't reply to my CCA request (wishful thinking but you never know)
• Responded to old bank account that i closed in writting (and the staff didn't) and told them to poke the £300 they are demanding (account had fee's and they have been taking it and charging me for going overdrawn!)
• Ner Ner Ner Ner Ner'd at Justruth as i'm winning the comp

justruth

Ha just you wait!!!!

I am expecting some money from my parents in lieu of an actual Christmas present this year. I buy all my uni books as I like to anotate them as I study, so they said that they would give me cash towards them!

My sister also got more of a Christmas bonus than she expected and has been using my car while I have been in London, so is planning on putting some towards my finance as a thank you. I still have the 420 to throw at the debt, and I still plan on beating you! As soon as my cash is cleared (and I dont have to worry about my rent!) this is getting deducted from my total!

justruth

:rotfl: In short, the race is not over yet DTDT!!!!!!!! lol:rotfl:

determinedtodothis

:rotfl:

Well today is going to be a spend day but tomorrow and boxing day will be NSD and that will mean i hit my target for Dec - next month i think i may even try for 15

Still no news from the HP company....deadline 5th Jan
Capital one response on PPI....deadline 16th Jan
Cahoot response on SOA....deadline 16th Jan

Paragon wrote as promised - not about anything i asked about and they have set the direct debit up on the wrong day for the wrong amount! :mad: "thinking happy thoughts, breath in...breath out...calm"...

Anyways Paid £51 towards my debts today (playing it safe until after xmas)

:xmassign:

determinedtodothis

Xmas Day i needed to post :rolleyes:

NSD Today 1 more to go!

Got some lovely pressies, lots of smellies so i don't need to buy any for a while - every cloud *LOL*

Hope you have all had a good xmas x