My Debt Diary

Nightowl

Sorry, I have to clarify, the bank charges i hope to sue for are for returned Direct Debits and cheques and exeeding my overdraft NOT for the acount charge as you may have thought. Nothing I can do about that unfortunately.
Nightowl.

James240

pavlovs_dog wrote:

from my days in student halls carting clothes back and forth to the launderette, those big blue ikea bags that you use instead of baskets but can buy at the tills were great for all dirty clothes.


have you given any thought as to what you will do with all your 'spare' money once you are debt free? nothing like having a goal to motivate you to work harder

Once all my debts are cleared i really want to start saving for a deposit on my own place because i live with mate and his girlfreidn and i wont be able to do that forever....so my big aim is to save a nice big deposit ona flat or house.:j

James240

Nightowl wrote:

One of the first things I did when I got my Money Diet book for Xmas was go to the bank (LloydsTSB) and ask what I was getting for my £10 per month current account charge and £7 per month Budget account charge. I was getting lots of perks but I wasn't using any, downgraded both account to classic account and kept both overdrafts - both over £1000!! They are still laughing cos i pay such high interest on my overdraft but I am now saving £17 per month - felt sick when I worked out what i'd paid them unnecessarily!! Hope to get the overdrafts down when I sue them for bank charges for the last 6 years. Bit scary that one but I'm looking into it!!! Will be over £900 if i'm successful. See the bank charges - illegal? thread. Hope this is of some help, let me know if I have been unclear.
Nightowl.

Hopefully will resolve this monthly fee today in my lunch break and save myself over £100 a year because in all honesty i have no idea how long ive been paying for the "perks" that i never use

James240

wwwwooooooooooohhhhhhhhooooooooooo Fantastic news, just been told that they are going to train me on the bits and pieces i need to know to do the over time this is fantastic news cos if it all comes through i can really start making huuuugggeeee inroads on my debt, apparently should be trained sometime this week :j

JAMIEDODGER

great news james hun x

James240

JAMIEDODGER wrote:

great news james hun x

i know its really improved my mood for today cos it really does mean i can start looking at getting my debt cleared in alittle over a year :j

Tondella

wow! What a difference to your debt free date, woohoo!

Verbatim

Great News James. Really pleased for you.

loubie_lou

I'm hoping my year is going to be like that. Hoping to pay £3k off my overdrafts (moved to 0% egg card) and I was in a car accident over xmas so hopefully will get some money from the scumbag driver who caused the accident which'll go to my debts :grinheart

Well done James .......

James240

thanks guys just hope it doesnt fall through cos it will really make a diference in being able to make more than a huge dent in my debt :j