A Payment A Day Part 4

dankosheemo

Double_Trouble wrote: »

Depends on what the go to rate of Barclaycard is hopefully less than 34.9%. What about a LOB rate from Barclaycard? And most importantly how long do you think you are going to take to pay off the debt. If you aren't earning after August you are not going to be offered any new deals from anyone. Have you tried for a new card now whilst you are still earning with hopefully a higher credit limit and a longer 0% deal?
Just a few thoughts I am not PAD until August but I am still reading.

DTxx

Thanks for the post DT I'm going to ask again about a LOB thing or a BT when I pay the thing off in 21 days time If I only BT 'til December, after that I'll be paying 19.9% - better than the 34.9% but it's still pretty huge on student livings. Reckon it's going to take me atleast 2 years to pay the thing off as I'll only be able to manage tiny PADs during Uni (but that's only for a year 'til I get a teaching job)

I've been applying for new cards over the last few months but no-one wants to give me anything. Over the weekend I tried Scallyfax, Tesco, Capital 1 amongst others and they're all no.

Still counting on that lottery win!!
xx

dankosheemo

Hopeful1 wrote: »

Well done Danko on losing that 1lb of pizza I notice you've only got 3.5lbs to go - well done you!!

Thank you for all the congrats re the PPI claim. It's good to have something money related to celebrate for a change

£10 friend

TOTAL PaD £10

Paul, your 'tub thumping' PaD made me chuckle!!

Thanks Hopeful! Yeah not far now until I've lost a stone! Then the next stone begins! Hope all's well with you?
xx

LondonAndy

nickynoo08 wrote: »

ggggrrrr!!! I'm so angry. I left my job back in march this year due to health problems and when i got my last pay slip i mentioned to my manager that i thought it was a bit much. He said no so left it. Today i got a letter from their head offices saying i owe them £178.96 due to them overpaying me!!!! My OH blew his top. I'm so annoyed with them. They've given me 2 payment options - 1 settle in full or 2 pay in installments for a max of 6months. OH and my mum both said tell them they can whistle for it but i'm not one for confontation and just want it gone. Look like my pad's are gonna be very small till end of july:(
So just 80p today

Hey nickynoo. What a bummer, and you questioned it too. I am also one to shy away from confrontation (first to do so) but I reckon take a deep breath and at least argue back first. Maybe send them a letter explaining you raised this with your manager who advised the pay was correct? You don't work for them anymore so have nothing to lose in trying (assuming you have a reference etc sorted). They may admit its their mistake and offer to accept a lower amount. Its a long shot and and I'm not sure what the position is legally but gotta be worth a try rather than paying up straight away? Even if you write the letter it might buy you some breathing time to budget...? Can you drop into citizens advice to find out the legal position? Or even post somewhere? You're an MSE so have a crack first!! Good luck. If all else fails then "rent a mob" padders will send your ex - HR manager junk mail!! (I will sign him/her up for chafing cream trial to start with) :rotfl:

Hopeful1

Twinkles08 wrote: »

Hey Danko,thank you for asking that's really sweet of you!I've had a rough ride in the last few months,on antidepressants,been struggling with an eating disorder which reared it's head again this month after 7 years basically free from it (grr).Then yest I found out that I am pregnant!!!! (V early days yet thou-only 5 wks).So in answer to your question-I think I'm ok (I think!)lol.Phew.Sorry I've been away with the fairies,I didn't think anyone would notice actually,so ta v muchly hun.
My pad today is £1.00.Take care all x

Oh Twinkles, what a few months you've had. Congratulations on the pregnancy though :T I'm 16 wks now so we can still share lots of pregnancy woes!! Concentrate on looking after yourself now and being as healthy as you can and if sickness dictates eating lots of biscuits - then so be it

dankosheemo wrote: »

Thanks Hopeful! Yeah not far now until I've lost a stone! Then the next stone begins! Hope all's well with you?


xx

I'm good thanks, Danko. I've actually felt quite energetic this week. I managed to survive a busy weekend which included a real night out! I went mad and treated myself to a Martini and lemonade

cashless_wonder

Evening all . . .

Getting stupidly excited about this weekend just found out a band I've liked for years but never seen live have been added to the bill . . . Hee Hee . . .

Anyways looks like I have a mountain of posts to catch up with on here so I'll list my 2nd PAD of 98p to various pots of wonder & joy.

Hopeful1

LondonAndy wrote: »

If all else fails then "rent a mob" padders will send your ex - HR manager junk mail!! (I will sign him/her up for chafing cream trial to start with) :rotfl:

I once signed a male some-one up for info about impotence

LondonAndy

Hopeful1 wrote: »

I once signed a male some-one up for info about impotence

Ha ha. Love it. We signed our (male) flatmate up for a tenalady trial a few weeks back. "Michael" became "Michaela" EVIL I know.....but he did send me an info pack on Transvestite makeovers ! :eek:

Still catching up on thread but well done on the PPI Hopeful ! :T

Hopeful1

LondonAndy wrote: »

Ha ha. Love it. We signed our (male) flatmate up for a tenalady trial a few weeks back. Waiting for package to arrive. "Michael" became "Michaela" EVIL I know.....

:rotfl:love it! There's nothing more satisfying than a bit of playful evilness

Still catching up on thread but well done on the PPI Hopeful ! :T

Thank you very much

dankosheemo

LondonAndy wrote: »

Hey nickynoo. What a bummer, and you questioned it too. I am also one to shy away from confrontation (first to do so) but I reckon take a deep breath and at least argue back first. Maybe send them a letter explaining you raised this with your manager who advised the pay was correct? You don't work for them anymore so have nothing to lose in trying (assuming you have a reference etc sorted). They may admit its their mistake and offer to accept a lower amount. Its a long shot and and I'm not sure what the position is legally but gotta be worth a try rather than paying up straight away? Even if you write the letter it might buy you some breathing time to budget...? Can you drop into citizens advice to find out the legal position? Or even post somewhere? You're an MSE so have a crack first!! Good luck. If all else fails then "rent a mob" padders will send your ex - HR manager junk mail!! (I will sign him/her up for chafing cream trial to start with) :rotfl:

Andy that's just mean! :rotfl: I work in HR and I know there are people in our place who would probably do the same to me or worse! :rotfl: Just comes with the job - no wonder nobody applied for my job when it went up on the boards! :rotfl:

Nickynoo, if it helps check this out regarding payments: http://www.acas.co.uk/index.aspx?articleid=1498 - ACAS are pretty good for saying what's a yay and a nay so may be worth checking out if you need some advice. Hope it helps You can even give them a call and they can talk you through any processes and procedures you need to follow: 08457 47 47 47.

Hope that helps
xx

angelicmary85

Twinkles08 wrote: »

Hey Danko,thank you for asking that's really sweet of you!I've had a rough ride in the last few months,on antidepressants,been struggling with an eating disorder which reared it's head again this month after 7 years basically free from it (grr).Then yest I found out that I am pregnant!!!! (V early days yet thou-only 5 wks).So in answer to your question-I think I'm ok (I think!)lol.Phew.Sorry I've been away with the fairies,I didn't think anyone would notice actually,so ta v muchly hun.
My pad today is £1.00.Take care all x

Many congrats Twinkles!! xxx