pammyj74's MFW diary (or possible wishful thinking!!)

pammyj74

mine is halifax as well maybe if we all gang up and send them a request to see it online they might change there mind!!

pammyj74

just saw your sig, how do you know how much interest you have saved? I know they do interest on a daily basis and does months saved mean how much you have shaved off the term? I like that workings out, shows how far you've come!

determined1_2

see post number 1 here:

http://forums.moneysavingexpert.com/showthread.html?t=1450637#

don't think I could live without it.

As yours is Halifax, I can tailor it for you and send you a copy if you like. PM if your interested.

Determined

pammyj74

just a quick thanks for petermb who is helping me with my claim for PPI with paragon.
Hopefully luck my just go my way for once, (this is me trying to be optimistic!!

pammyj74

Paid my £100 for July today, hoping when my monthly payment comes out that my balance will change so I can check what actually comes off when the payment is taken.

Sent my letters off to Pete to get my claim started today also.

Quidco paydayuk tracked at £50 (so £30 profit), as did tesco £10 for new account and used code for 750 points (£30 in deals) so shopping for free and delivered tonight as bought mostly BOGOF
so quidco earnings this month is £140 but wont be paid out until august mostly.

Had to pay out a few extra things today as daughter is in a theatre play so had to buy tickets £11 and they are going to zoo with school tomorrow and they have asked for £3 each for gift bag!!

pammyj74

pammyj74 wrote: »

Just got my online registration set up today finally :rolleyes:
Thought i would be able to check it like a bank statement but it just gives you the o/s balance - today is £86632.xx
am annoyed that it doesnt really tell me anything else like interest etc. i just have what my monthly payments are. what loan i could have :rolleyes:

is this normal?

right :mad: when i got my balance a few weeks ago it was £86,818.62, then a couple of days ago it was the above and I paid £100 yesterday and my monthly payment should have come off but my balance today is £86730.08

How come it shows more than the other day??
Maybe I should start printing off a screen print weekly?

StuartGMC

pammyj74 wrote: »

right :mad: when i got my balance a few weeks ago it was £86,818.62, then a couple of days ago it was the above and I paid £100 yesterday and my monthly payment should have come off but my balance today is £86730.08

How come it shows more than the other day??
Maybe I should start printing off a screen print weekly?

Pammy, I would imagine that your interest for the month has just been added?

Usually it will be on the same date in the month; mine for example is always added (when I pay any interest ) on the 17th of the month
HTH?
Stuart

pammyj74

so the payments I have just paid havent even covered the interest??? So my balance is more than i started even though I have paid extra?
I really wish I could see a statement like a bank account looks.

determined1_2

DONT WORRY PAMMY

Halifax are always a day behind (more sometimes if it's a weekend)

If you made your payment today (I hope so as this will make tailoring the SS easier), the interest will be added today and payment taken off tomorrow.

Your not charged interest on the higher balance btw, in case you were worrying.

Will send you a PM shortly

pammyj74

ah right thanks, yes £594 came out today and £100 yesterday. was thinking you would never pay it off lol

thanks determined1