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What Path to take?

12357

Comments

  • sanfrancisco
    sanfrancisco Posts: 645 Forumite
    yes yes yes
  • NickToye
    NickToye Posts: 330 Forumite
    Seriously? £700 worth, bloody banks. I actually think this bank is one of the better ones.

    Even for business accounts, because a member of my family had loads of charges on their account and have since gone into IVA - can they still claim back?

    Sorry for these questions here, but i'm waiting for activation to the other forum. :)
  • mountainofdebt
    mountainofdebt Posts: 7,795 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    NickToye wrote:
    With regards to Sky, the options online only give me around three choices, World, Movies and Sports. Also they don't seem to be very clear on how you downgrade but in your face on how you can upgrade. Not suprising really.

    If you go to http://www.sky.com/ordersky/joinsky and tick only the packages you are interested in (say music, variety) and then tick the sports package you can see what I mean.

    I simply down graded by phoning them.
    2014 Target;
    To overpay CC by £1,000.
    Overpayment to date : £310

    2nd Purse Challenge:
    £15.88 saved to date
  • NickToye
    NickToye Posts: 330 Forumite
    Hi, I did that and it comes to £2 cheaper than what I have already downgraded too, and I can't do it for another 31 days, so I'll see on that one. Quite like the Biography channel and the discovery channel.

    I think my main savings today should allow me a little leeway on some of life's luxuries.

    If I can claim some of this money back from the bank, i'll be laughing all the way to the bank :)
  • Chortle_2
    Chortle_2 Posts: 403 Forumite
    NickToye wrote:
    Even for business accounts, because a member of my family had loads of charges on their account and have since gone into IVA - can they still claim back

    Yep. Check out the 'bank charges: illegal?' thread on the current accounts and budgeting board on here. It's HUGE, but there is loads of info on there :D

    HTH
    Highest Debt (Sept 04) -> £41,300 :(
    Debt Free - August 2006!! :D

  • BobProperty
    BobProperty Posts: 3,245 Forumite
    1,000 Posts Combo Breaker
    Just one point to the OP. Are you putting aside some money for the taxman?
    A house isn't a home without a cat.
    Those are my principles. If you don't like them, I have others.
    I have writer's block - I can't begin to tell you about it.
    You told me again you preferred handsome men but for me you would make an exception.
    It's a recession when your neighbour loses his job; it's a depression when you lose yours.
  • NickToye
    NickToye Posts: 330 Forumite
    Who's OP?

    I haven't started to put money aside yet, but as I understand I only pay tax on my profit, and I haven't really made much as yet. I do however have a meeting soon with a rep from the IR to talk about what I need to do.
  • lynzpower
    lynzpower Posts: 25,311 Forumite
    10,000 Posts Combo Breaker
    Nick ,You are!! It stands for original poster :)
    :beer: Well aint funny how its the little things in life that mean the most? Not where you live, the car you drive or the price tag on your clothes.
    Theres no dollar sign on piece of mind
    This Ive come to know...
    So if you agree have a drink with me, raise your glasses for a toast :beer:
  • NickToye
    NickToye Posts: 330 Forumite
    Very good,

    I'm a web designer, I talk in code, so all this forum speech is a bit odd for me. :)
  • NickToye
    NickToye Posts: 330 Forumite
    Didn't know BT employed overseas call centres. Had to ring up 4 times because I couldn't understand them. I don't care if its Indian, Spanish, Italian or Polish. I want to speak to people who I can inderstand - its not much to ask?
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