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The revenge of the stripey socks - a DFW adventure

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  • OK I got brave today - I checked my credit score - one surprise there - an old tmobile bill for 70? defaulted

    ANd they don't seem to have half of my information - also did a quidco (£5) free trial for equifax they are more on the case but again only my lloyds accoutns not my rbs - don't they all go on there?

    Anyway also says am NOT on the electrol roll here - which is crazy so I need chase that up.

    See I got brave! Not brilliant looking at it - but not as bad as I was expecting. 23 addresses though!!!!! Alot of them are double entries - dunno if I can fix them?
    Total debt 26/4/18 <£1925 we were getting there. :beer:
    Total debt as of 28/4/19 £7867.38:eek:
    minus 112.06 = £7755.32:money:
    :money:Sleeves up folks.:money:
  • lucielle
    lucielle Posts: 11,522 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry can't help but well done for being brave.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • No worries L!

    Just updated the electicity - still using about £90 a month

    Will keep an eye on that

    Also just checked banks etc - Evil Edna now under 300 woo hoo and will be dead at the end of the month (Hurrah!)

    Moved unexpected £200 from mother into Mavis - savings account :)

    Two chickens cooked (OK they are peedie chickens I got reduced from local butchers) - and thinking up amazing recipes for later on after a slap up roast dinner nomnom

    Man its so overcast and bleugh here

    Collie dog now gone to live in Inverness - for the best really she'll be happy there

    Aside that splendiferous bargains at the charity shops - m and s cardi/thingmy good for work and 6 candles for 1.30 :)

    Need to get the boys to split logs as the ones in the garage are too big for the fire - and must feed hens been meaning to do this ALL day whoops .....

    runs off to hens!!!
    Total debt 26/4/18 <£1925 we were getting there. :beer:
    Total debt as of 28/4/19 £7867.38:eek:
    minus 112.06 = £7755.32:money:
    :money:Sleeves up folks.:money:
  • Well slap me with a wet haddock if I don't feel great at the moment

    Just paid Tmobile horrible £60 bill from 2007 that I had no idea I hadn't paid cos my head was still in the sand at that point and I moved house - no doubt shoving the bills in the bin.

    The default will stay on my account for 6 years BUT its paid and it will show it's paid.

    Not so whoop whoop but hey its a start

    The other default is the first credit account that I mentioned earlier which was sitting at just under 4k when I went into default - so at least that one is now only 2600 now - owards...........................
    Total debt 26/4/18 <£1925 we were getting there. :beer:
    Total debt as of 28/4/19 £7867.38:eek:
    minus 112.06 = £7755.32:money:
    :money:Sleeves up folks.:money:
  • honeybear_2
    honeybear_2 Posts: 3,914 Forumite
    Brilliant stuff all round :T

    Looking forward to the day we all say goodbye to Edna ;)
    @ LBM = £15,872.65, now £10,819.82
    AF Jan = 7/? Feb = 5/14 Mar = 14/20 Apr = 6/14 May = 2/14 June 2/14 July 0/TF Aug 1/TFv Sept 6/TF Oct 4/7
    "NEVER DOUBT YOUR OWN QUALITY"
  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    well done for being brave and checking your credit record. Mine confused me, but i did have one loan company which put the same car loan on twice, one they said had never been paid - duh! they have sorted it now though,but i only did one so maybe i should check them all. Was the mobile bill genuine? just remember about a thing where some were saying bills hadn't been paid but people had proof that they had.
    Best get a wriggle on - i love the clocks going back, i finally get the hours sleep back that was stolen from me 6 months ago, but still have to get stuff done, specially as it's nice and sunny.
  • jo1972
    jo1972 Posts: 8,901 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Fay, congrats for dealing head on with the credit report, can be scary stuff and a little confusing! I get a free trial via quidco every now and then, print it all off then cancel it :cool: mine must be about 26 pages :o I need to build up the courage to go through it again.
    DFW Nerd no. 496 - Proud to be dealing with my debts!!
  • jo1972 wrote: »
    Fay, congrats for dealing head on with the credit report, can be scary stuff and a little confusing! I get a free trial via quidco every now and then, print it all off then cancel it :cool: mine must be about 26 pages :o I need to build up the courage to go through it again.


    Morning chaps
    Hi Jo.......This is what I've done so please someone remind me to cancel it before the trial period is up.

    My phone naughtily changed the time for me automatically - blast iphone and their technology! So when I thought I was doing great and it was only twenty to 8 not twenty to 9 as it said on my phone - the kitchen clock revealed the sad truth:rotfl:

    Away to tackle some writing - OH and I having major discussions about the PhD or job thing - Cheery daff I even dropped in a bit about 'what about thinking of it in a couple of years' - and said about potentially postponing things - you know you are right cos I am going to be on the mainland in 4-5 years - if he waited that long - lived with us inbetween he could do it then later when it's not such a big issue for travelling etc. cos we'd both be in the same house.

    Will see..................
    Total debt 26/4/18 <£1925 we were getting there. :beer:
    Total debt as of 28/4/19 £7867.38:eek:
    minus 112.06 = £7755.32:money:
    :money:Sleeves up folks.:money:
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Thats not fair :rotfl: I did something like that myself - I got up so early (6am, the old 6am) I tired myself out, and had to go back to bed :o
    2023: the year I get to buy a car
  • jo1972
    jo1972 Posts: 8,901 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    It was bliss last night, got in bed at 11pm absolutely exhausted and a little perturbed about going to bed 30 minutes late, then remembered!! Turned my clock on my phone back an hour and it was only 10pm, an early night :D :rotfl: (still didn't wake up till 8.30am ;))
    DFW Nerd no. 496 - Proud to be dealing with my debts!!
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