A Payment a Day Part 2!

thevinternet

BelfastGirl wrote: »

Does a successful reclaim of credit card charges fall into the category of PAD?! If so, it's £396!

Blimey - well done you!! :T May I ask which company? xx

BelfastGirl_2

Blimey - well done you!! :T May I ask which company? xx

Sure! It was Monument. Got the letter about a week ago, so hoping the money will be in that account in the next week or so, certainly by the time the next statement arrives.

Greenbynature

thevinternet wrote: »

Lol - we are the Egg Rejects Greenie :beer: - ought to form some kind of club.

I wonder if our interest will go up too? I keep checking my email and post, but nothing so far. Fingers crossed it stays the same! (I've long since given up hoping that it will go down!!) xx

yeah we could name it the Egg rejects club?? :rotfl: :rotfl: I hope my interest rate doesn't go up anymore! Have checked my email a few times lol - good job my boss is away at the moment cos I've hardly done any work today:o

thevinternet

Well done Belfast Girl - judging from your sig, your debts seem to be coming down really well!

I dream of the day when I'll be under 10k!!;)

xx

Greenbynature

Well done belfast girl thats fantastic

BelfastGirl_2

This brings the credit card I'm currently tackling down below £400.

I was just thinking about the account that I'm tackling at the minute, and checked online to see the current stste of affairs! With the extra payment I made the other day, the balance actually stands at £304.71! So I had a look at last month's statement and the interest on it was almost £16 - it should be quite a bit less than that this month having made a payment initially of about 7 times the minimum, but I'm taking that as a guideline! So I've just made an extra payment of £21 to make sure that balance is below £300 by the next statement!! :D

So my PAD, so far(!) is £21!

Double_Trouble

thevinternet wrote: »

I searched on quidco for 'scratchcards' and couldn't find any deals worth getting - only ones where you have to deposit a lot of money first. Are there supposed to be some free deals or something? xx

I have checked, the deal that I used was for virgin but it has changed I only had to deposit £10 and got £20 cashback so was guaranteed to be at least £10 up. With this deal you won't lose but you would have to win something with your £20 to gain. Still worth it for the scratchcards though because you get minimum 10p each day double on Sunday and a pound to log in on Friday so soon mounts up and you may win more. Just remember to keep at least 10p in the account so that you can continue to scratch.

DTxx

Paulgonnabedebtfree

thevinternet wrote: »

Lol - we are the Egg Rejects Greenie :beer: - ought to form some kind of club.

I wonder if our interest will go up too? I keep checking my email and post, but nothing so far. Fingers crossed it stays the same! (I've long since given up hoping that it will go down!!) xx

Egg warned me too that my interest rate is going up. I feel sorry for everryone they are doing this to. It won't have much effect on me personally but I think they are just greedy barstewards.

I say it won't affect me much because I've got about 9 grand outstanding with them on a 6.9% LOB deal. However, there is about £20 trapped at the sharp end of my balance due to a bit of leftover interest when I made the BT. I wasn't aware of it at the time because it didn't show up on the statement until afterwards.

tomtombeanie

moo2moo wrote: »

Books make fab presents. When you've a bit more time try The Book People. They have loads of books which work out a £1 each or less. P&P is free if you spend £25 and theres Quidco too.

i agree - book people is (are?) fab! they very often have free postage codes knocking about as well (ie no minimum spend), do a forum search and see what pops up...

weebag

Hello all and thanks for you messages over the last gew days - sorry ive been away for too long and only posted short messages!!

LOADS of snow last night, and decided not to make to 90 mile journey to work today - working from home instead.

Chuffed at another 0.5% off the interest rates - it has made a hell of a difference to me over the last few months.

Paid another £10.00 to Barclaycard today - down to £30.71!

Am likely to be under £21,000 this month! Last payment on A&L loan is due on 1st March. HOORAY!

I currently have £8500 on a 12.2% card (highest rate im paying), so im hoping that when I have shut a few cards I may be able to apply for a lower LOB card - that would be nice.

Good luck to all and enjoy the snow!

Wee