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And another f&f
xnatalie81x
Posts: 941 Forumite
I got a text from EQL who took over my MBNA debt. They asked me to ring them on freephone no. so i did. They told me they could offer me 15% off my MBNA cc debt 6000summit instead of 7780summit (see below) i said yeah right, mbna offerred me 3100 to pay it off.
He said, is that summit i could afford. I said possibly but it would take a few mths. So i am paying 235 on 10th march, 235 on 10th april and 3000 on 10th may
- BUT NOT PAYING A PENNY TILL I GET IT IN WRITING (told them that too) and i said i want it in there it is a full and final and that it will be classed as settled with the credit ref bureau. He said no prob - so will await letter.
ooooooooooooo another debt gone am happy happy happy - was saving to do a f&f on this at the end of the yr but to have it gone in may is brilliant news. Frees up £40 to pay off other debts now as well. (from 10th may of course) - will be tight the next cple mths and need food budget down to about 100 for the mth for 2 mths but should be poss. Then with additional teaching i will be ok for the 235 each mth and then keep saving my 800-1000 a mth and debt gone.
wooooooppppppeeeeeeeee Start: 11 creditors. Now: 9 creditors May: 8 creditors
He said, is that summit i could afford. I said possibly but it would take a few mths. So i am paying 235 on 10th march, 235 on 10th april and 3000 on 10th may
- BUT NOT PAYING A PENNY TILL I GET IT IN WRITING (told them that too) and i said i want it in there it is a full and final and that it will be classed as settled with the credit ref bureau. He said no prob - so will await letter.ooooooooooooo another debt gone am happy happy happy
- was saving to do a f&f on this at the end of the yr but to have it gone in may is brilliant news. Frees up £40 to pay off other debts now as well. (from 10th may of course) - will be tight the next cple mths and need food budget down to about 100 for the mth for 2 mths but should be poss. Then with additional teaching i will be ok for the 235 each mth and then keep saving my 800-1000 a mth and debt gone.wooooooppppppeeeeeeeee Start: 11 creditors. Now: 9 creditors May: 8 creditors
DFW since JAN 2009 - 2014 will be the year i finally clear debts Just to see which month )))
One adult + 4 children + dog
Just to see which month )))One adult + 4 children + dog
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Natalie, could I ask if you were already paying amonthly sum to them anyway, to pay the debt off? You mention that you will be paying 2 lots of £235, was this a monthly arrangement anyway?
The reason I ask is becuase my OH has just set a SO to pay off a debt at £50 per month, however, can he ask for a F&F figure? Or can he suggest one? Can you go in with a silly figure and negotiate from there?
Sorry for sounding so ignorant.
Cheers, BirdyIt's wouldn't have not wouldn't of, shouldn't have not shouldn't of and couldn't have not couldn't of. Geddit?0 -
I currently pay £40.43 mth on a DMP - so as i won't have the full amt for f&f they have arranged it so i can basically pay in 3 installments instead until i have the full £3000. This increased it. Had i paid it all in one go would of been 3,100. Won't pay hte 40.43, just the 235 for 2mths then the 3k in may DFW since JAN 2009 - 2014 will be the year i finally clear debts Just to see which month )))
One adult + 4 children + dog0 -
well done nat thats brill:eek::eek::eek:grand total of debt on 21/1/11 is £8,208.19 :eek::eek::eek:
debt total on 30/07/12 is £4313.52
water £847.75, HSBC £479.66, vodafone £262.35, Captial one £415, AA £47.97, scotcall (scottish power) £622, Arrow £420, Welcome £642.41, CSA (scottish power) £484.90, BT £91.500
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