YM's countdown to the 17th March

fiveyearplan

Oh - what a shame. I don't think I ever tried logging on to any of my accounts. I still get my mint statement online every month.

yellowmonkey

Only logged on to try to find an up to date balance to finalise on my forms. Will have to go with the latest one I had I suppose :rolleyes:

ym

fiveyearplan

As long as it is accurate it doesn't need to be exact.

haleygrey

in the letter i had from the OR, they said ' last and most recent statement'!

yellowmonkey

Wednesday 4st March...13 days to go

Good evening everyone.

After the sad news yesterday regarding Deedee it just goes to show how precious life is and puts in perspective that whatever our problems may be it is only money and there are more important things in life.

Had a few more phone calls and a new DCA has entered the scene. They are Metropolitan who are the inhouse DCA for HSBC. Took me a while to figue it out but First direct are affiliated with them so that cleared that up.

Had a nice letter today from Halifax saying that due to the fact that I am now £141 over my OD limit I need to pay this amount into the account to get it back on track. Seeing as I have had £144 charges this month I wonder why I am over my Limit :rolleyes:

Also attached was a letter very similar to a menu listing the charges that I must pay ie

Phone call...£10
Letter...£10
visit...£30
Default notice...£50
Solicitors letter...£50
DCA to collect...£50
legal action...£50
find my new address...£50

I am tempted to return it and on the bottom put ..Cost of not having this around my neck..Priceless No wonder the banks make loads of money.

Forms are at 100% now just need to double check them and then print them off. Nearly all prepared now

Have a good evening

ttfn

ym

haleygrey

yellowmonkey wrote: »

Wednesday 4st March...13 days to go

Good evening everyone.

After the sad news yesterday regarding Deedee it just goes to show how precious life is and puts in perspective that whatever our problems may be it is only money and there are more important things in life.

Had a few more phone calls and a new DCA has entered the scene. They are Metropolitan who are the inhouse DCA for HSBC. Took me a while to figue it out but First direct are affiliated with them so that cleared that up.

Had a nice letter today from Halifax saying that due to the fact that I am now £141 over my OD limit I need to pay this amount into the account to get it back on track. Seeing as I have had £144 charges this month I wonder why I am over my Limit :rolleyes: Funny I kept getting letters like that from LLoyds

Also attached was a letter very similar to a menu listing the charges that I must pay ie

Phone call...£10
Letter...£10
visit...£30
Default notice...£50
Solicitors letter...£50
DCA to collect...£50
legal action...£50
find my new address...£50

I am tempted to return it and on the bottom put ..Cost of not having this around my neck..Priceless No wonder the banks make loads of money.

Forms are at 100% now just need to double check them and then print them off. Nearly all prepared now

Have a good evening

ttfn

ym

Evening, Ym, not long to go now. 13 days, wahey! it'll fly by.

yellowmonkey

haleygrey wrote: »

Evening, Ym, not long to go now. 13 days, wahey! it'll fly by.

Hope so HG

ym

jo1972

Just popping in to say hi :wave: and good luck for 12 days time xx

yellowmonkey

Hi Jo :hello::hello::hello:

Really nice of you to pop on and wish me luck. Really appreciate it I still pop in and see how the gang are doing and am pleased to hear you are doing well and sound positive.

Keep it up

ym

yellowmonkey

Friday 6th March...11 days to go

Morning all

At work ATM then have 2 days off and back on Sunday. Not so many days off this week but in a way that is not too bad as it gives me less time to worry

Recieved a letter from Moorcroft today in a stunning yellow envelope. What the relevence of the yellow was I suppose it was to make me think it was something important. Indeed on opening it did seem that way as it mentioned " Intended legal litigation " but upon reading it was just trying to frighten me really into paying as it just showed what my costs would be if I carried on not paying. Naughty really as some people would fall for it and if I had not done my research on here I would have as well.

Still getting calls and recieved one today from Cap one. I was ignoring the phone but then i thought " What the hell" so I answered and was asked if it was Mr *****. I replied it was. She then came out with the "for security reasons can you confirm your DOB". I said "No" to which she replied "OK " and that was the end of the call :rotfl: :rotfl:

Think I might try that again as they cannot do anything if you do not comply with security questions

Hope your dreams tonight are all good and I wish you a goodnight

ym