A Payment a Day Part 2!

mumofthreemonkies83

Good Morning everyone :j

Almost the start of another week

OK all my minimum payments are going today so gonna add them to my PAD
£94 to cc 1
£50 to cc 2
£2.90 to PaD

TOTAL PAD £146.90 :T

Happy Padding guys :rotfl:

penguin83

£15.00 to MBNA again this morning - slowly but surely! x x

Eager_Elephant

Hi Everyone

Can I confirm that my previous post was correct - Barclaycard's minimum payment last month was £51.00 with the interest at £54.15!!!!!!

I have just checked online and they have printed January's statement and I have been charged £54.04 interest so it's a good job I have been making PAD's otherwise the debt would have increased.

January's minimum payment is £69.00 with interest at a more reasonable £68.20 - Excellent a whole 80p off the debt!!!!!

Anyhoo yesterday I paid £5.17 & today I have done £5.18.

Total PAD £10.35

EE

ETA - Sorry if anyone was confused by my pennies, I thought I had paid £5.16 yesterday but then remembered that was Friday. I blame my daughter's birthday party, the day flew by and I missed it!!!!

lupyloo

Thankyou guys so much for the warm welcome, fagash lil your posts are so entertaining lol. I feel empowered at finally confronting my debt and will make it my aim to do a SOA for today or tomorrw. Also congrats weebag on clearing your card I bet you feel so proud of yourself. Off to do some clickies and reviews but for today my PAD is 5.18 (love the date idea)

Lupyloo

curly_B

Hi everyone

PAD £2 (since I missed yesterday) to A&L card.
And now I'm off to stand on the top of a really windy hill to watch my daughter run!! brrrrr .
Have a nice Sunday everyone x

missthrifty

Hi

PAD £3.18 to NW loan today.

Have a good day everyone.

miss t

dankosheemo

Hopeful1 wrote: »

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What a fab PaD - well done you!! :T

I was wondering why they are offering you an early settlement. HFC aren't reknowned for their generosity. (i know this from 1st hand experience :mad: )

Have you tried to get them to knock off a little more? Will adding the 2 loans together increase the loan term very much? If it does, does the lower interest rate balance it out so you're not paying more in the long term?

I would say if the figures work out, to have 1 less debt is a fab. It does my head in that i have so many different things to pay out. Hope this helps a little

OoO thanks for advice Hopeful1 It's one of those things isn't it. In my head it makes more sense to combine the two and have one less thing wizzing out the ol' bank. I think it's come about after I rang HFC the other week just to see where my balance was at, when I'd be able to finish paying the lot and then the letter comes through yesterday. I've never missed a payment but wanted to increase my payments by something daft like £2.61 each month (to round up to the £s) but they said I needed to write them a cheque so I chewed their ears off a bit - not worth the postage!! :rotfl:

I think I may be making some calls over the next couple of days anyhows and see if Egg can do anything more me. Seems like a good opportunity but think I'd struggle to get the extra credit as Tesco won't even give me a BT card!

Decisions decisions!

dankosheemo

flying_fresian wrote: »

I hope that dankosheemo doesn't end up with that haircut Terri :rotfl::rotfl:

The colour's probably not far off! :rotfl: Lots of vibrant and crazy post box red colours (it's the only thing I could think of without offending too many people if I said MUFC :rotfl: )
! I didn't get the 30% discount in the end though! :mad: Apparently they only do that for midweek appointments! If I'd have known that I'd have shifted the appointment! Don't they know I'm a hardcore PAD member!? :rotfl:
xx

jo41

I'll make cake for everyone!

jo41

Morning all,
a bit late today but just paid £15.18 to Barclaycard.
Have a great day!
Jo x