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chewits - the debtquake monster is coming

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hope tomorrow and Wednesday's interviews go well. I must admit I hate interview feedback. To me every interview is individual so I don't find it particularly helpful
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    kissjenn wrote: »
    Big day tomorrow.

    Pre-interview meeting with agency and the CAB qualifying interviews in afternoon.

    Nervous about both. Part of me wants to be really positive and bouncy about interview practice and always good to get feedback BUT part of me thinks if they give me helpful feedback which I worry over all night then I'll panic on Wednesday etc etc etc. Agh....and I used to be indecisive.

    Also had to send cheque for £45 to uni for missing degree cert. I'm convinced the dog's had it - it simply vanished overnight and short of the Borrowers trying out for a job can't think where else it could be.

    Good luck for today :D

    If the dog sneezes and starts quoting Freud, it's probably been eaten :A
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Cheers all.

    Well feedback was useful because I can't say I only we and that's a big no-no. I find it so hard after years of having a team and talking about what we did to go all "me, me, me".

    It's all moot anyway as interview cancelled at 4pm due to illness of interviewer. So end of next week now.

    Did first solo cab interview, got a pass mark...whey hey...now just need to find something that pays money :o
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi Jen

    Had that before now. I had to completely learn interview speak - we is out, I is in. If you did things with a team you led it , were the key contributer etc
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Well the days get better. I'm being hounded by the Indian Call Centre on behalf of Scottish Power again who refuse to tell me what it is they want apart from "you owe us". Phoned up Scottish Power and found I have an outstanding account for unpaid elec from Dec 08 to Aug 09. The address - the one with the ASBOs surprise surprise. They'd destroyed all the letters addressed to me because they showed they moved in in August not FEBRUARY. I'm being chased by debt collectors for their fraud.

    All sorted now and bill for bit I owe paid...they're getting a large bill. Evil gits. Problem is no one knows what this collection nonsense means and if my credit record is affected. Potential job requires full credit check and fails on any defaulted bills...anyone got any ideas on what I need to do - SP say it'll all be sorted in 7 to 10 days and I'll never hear from India again. Talk about sods law with the timing.
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I would potentially explain about the sp bill to the new employer - what bothers them is things that you don't disclose....

    Hope it all gets resolved
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Thanks SH.

    Just came off phone to the Indian Call Centre - 4 calls today. Explained that situation is now rectified, it was down to fraud so please get off my case. By the way if you'd bother to tell me what you were actually chasing me for we could have sorted it out in minutes, instead you raised every warning flag about being a phising attack and refused to tell me anything. You hung up on me, told me you'd have your money etc and I don't have a Scottish Power Account. Glasgow are raising another complaint about your actions and approach. She apologised on behalf of all of India and promised me I'd never hear from them again. Lets hope so.

    I checked my Experian Account and Credit Score and both seem ok. Not 100% sure what I'm looking for. I do have 7 aliases tho, that seemed impressive.
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I have lots of aliases too - but it is down to initials, whether full middle name shown etc so don't worry about that. Glad your record seems ok - great news considering all the money due to you in unpaid rents!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    hellloooo ... anyone home?

    im here - sorry been out of touch - life pretty manic.
    sounds like you have been up to a load of stuff!

    must get back on track with 'stuff'. cant see it happening in the next few days though :-( then its 1/2 term [mad o'clock all day].

    hope u well and OH and SB.

    XXX
    Highest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
    :heart2:Ebay Challenge 2011 - Still supporting from afar!
    Long haulers supporters DFW #223
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Hello, spinning plates here.

    Have a good half term and catch up when you can.

    x
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
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