Today is a new day!

aplaceinthesun

Yay good on you with keeping that fighting spirit going , you are such a very inspirational lady and I for one admire you !
Hope the valuations are good and that the funds will really help clear some of the debts. Take care and make sure you do get to that spin class on friday!

POSITIVE_AND_FOCUSED

Just remembering Scrooges quote:Life is not about waiting for the storm to pass, its about learning how to dance in the rain. I need to learn from these experiences, and not treat them as if they are the end of the world giving myself headaches etc and panicking etc.

Positives: The lady from MBNA was v helpful this am, and has helped me define my next course of action. I felt I could trust her totally in helping me resolve this so will go with my gut feeling on that one!
This is just a blip.
All will be well.
My debt is reducing overall.
We are alive, not starving, lovely dear home, money is coming in. We are blessed in many ways.
This is not the worst possible scenario. All will be resolved. Thankyou for your support along the way. It is truely invaluable. Off to do some work now. Have a great day!
Focus, focus!

claire0788

POSITIVE_AND_FOCUSED wrote: »

Have well and truely landed with a bump today. Checked my acc, MBNA have taken their payt today instead of the 11th as agreed. The bank are going to charge me because the 2nd ddebit due today to Egg hasn't gone through, and Egg will no doubt charge me for that dd being returned. Have contacted MBNA, and apparently the woman I spoke to last week completely misinformed me. Feel so gutted. Have to obtain proof of all the charges, write to MBNA requesting that they refund me. Cant access my Egg acc on line for some reason, so will tel them after taking dd to school. So, plan of attack, contact egg to explain and ask for a letter detailing their charges, obtain bank letter of charges, write to MBNA specifying the name of the woman I spoke to who has kindly told me she will sort it, wait for their refund, wait for their response from my letter re interest rates - they said they would contact me by the 14th, then depending on response contact the Account Review Dept who may be able to help me with payts, set up a better repayment plan than the current one.

Feeling done in, am behind with my work, need a cup of tea, need to stop this panicky feeling, and get on with the day. Must focus on all the positive avenues happening at the mo, but its so hard at these times isn't it. Feel as if someone has kicked me in the gutter!

Onwards and upwards, it cant get any worse than this, and I wont allow it to. Just need to get rid of my heart beating in my throat!

Ah that is so annoying ! Sorry you got misinformed. Thats good that they are going to refund you the charges, make sure you request a compensation payment for being out of pocket and having to chase them for their error aswell.

scrooge2008

Sorry about MBNA and Egg, that is so frustrating.

I was thinking about what you said about coming down to earth with a bump. The attached link, is very eccentric, but it cheers me up.

I like the words "for every high, there is a low, for every yes there is a no". Reminds me that ups and downs are just normal and I need to learn to go with the flow. I used to love singing this to my son (he's a bit old now). Take care.

http://www.youtube.com/watch?v=qhwXgvOfJc8&feature=related

POSITIVE_AND_FOCUSED

scrooge2008 wrote: »

Sorry about MBNA and Egg, that is so frustrating.

I was thinking about what you said about coming down to earth with a bump. The attached link, is very eccentric, but it cheers me up.

I like the words "for every high, there is a low, for every yes there is a no". Reminds me that ups and downs are just normal and I need to learn to go with the flow. I used to love singing this to my son (he's a bit old now). Take care.

http://www.youtube.com/watch?v=qhwXgvOfJc8&feature=related

Thank you Scrooge, you help me get back on track re my state of mind and attitude to the situation. Proactive day so far having moved on from this morning!, headache just about gone now!. Prepared for my party tonite, some customers coming round to view some products, hopeful of some good sales, or party bookings. Will wait and see. Also sorted out some more orders, am certain I will beat my target of £1500 sales for this week, not bad! emailed some prospects, just about to do some phone calls, supper all sorted, 3 deliveries to do at 6pm to fit in with customers, then more sales tonight at party, then bed!. Heading in the right direction on the whole! Thank you once again to you all, keeping me on the straight and narrow!

Different_Corner

PAF
My egg was weird this morning too. Hope you get it sorted. Push that panicky feeling away, there's nothing you can do other than what they've advised.

Don't let them ruin your day

POSITIVE_AND_FOCUSED

Different_Corner wrote: »

PAF
My egg was weird this morning too. Hope you get it sorted. Push that panicky feeling away, there's nothing you can do other than what they've advised.

Don't let them ruin your day

Wise words, thankyou Different Corner. Its an area of me that I want to address - panic, fearing the worst, etc etc. There seems to be an ongoing issue with the egg website today, I expect it will be up and running over night.

In_my_dreams

Hi there

Glad to see you are feeling a bit chirpier than this morning. Bad things just happen when you least expect them but you are doing so well and as you say the debt is coming down.

Hope the whole Egg and MBNA thing resolves itself.

POSITIVE_AND_FOCUSED

Its me again with a moanie minnie moment. I am so so cross with myself. I am being charged £35 for a payt being returned before the Egg/MBNA incident, the day before in fact, its a payt thats on my budget sheet, that Ive paid for a long time, that I should be aware of just like that, but good old me just simply forgot about it. I was busy focusing on funding the bigger payts due, it didn't enter my mind that this payt was due too. Why does this happen to me? Why did I not take it into account? I just despair of myself I really do. Its actually making me feel ill thinking about it. Going to make a cuppa with lots of sugar in to try and curb this sick feeling in my throat and stomach....

POSITIVE_AND_FOCUSED

Right Im back, Im sorry I really am, on the one hand when these things occur I want to be brave and grateful for just being alive when my dh isn't. Another part of me wants to shout at me for putting much of his debt in my name before his situation and for adding to the debt too when I had fallen over etc and couldn't work. Another part of me feels so sad my dh isn't here and the fear he must have felt in the situation he was in and he was on his own with no one to save him, and so this situation of getting a charge is just nothing in the scale of the end of the world. And another part of me wishes I was a better person at my business, at being able to provide for my dd, and wishes I didn't get so tired all the time. Basically feeling sorry for me. And another part of me is cross at myself for not basically being what I feel I need to be in this world which is perfection to be dealing with everything sensibly and be on top of it all. Sorry, made myself cruy now. What an idiot I am! Go and sort myself out.