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Massive debts

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Comments

  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Well, re: my complaint to Santander about the charges they placed on my current a/c even though I repaid the actual amount overdrawn (the details are a couple of pages back in the thread for those who have no idea what I'm on about!!!)

    Received a letter from them today - refunded the full amount of charges and the account will be closed. Our credit file will be marked as satisfied :)

    RESULT!!!
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    BTW that's another £475 off our total debt ;)
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    My £54 for my blackberry trade in was processed today and should be with me in a couple of days via BACS.

    This will be the first payment towards my "one debt in 100 days challenge" :D
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Oh yes!! Also received an Amazon gift certificate for £8.25 for an old wii game traded in. £8.25 going towards Christmas presents :)

    Also expecting a refund of £54 from House of Fraser for a dress I returned. And the ebay lots are doing well - all have watchers most have bids. Hoping to break my target of £100 and get nearer to £150 for the 11 lots I have on at the moment.

    Already one has sold for £15 (a bunch of little diecast cars from the Disney movie Cars) :D
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • Skint_but_Optimistic
    Skint_but_Optimistic Posts: 3,391 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    What a positive few posts. Delighted for you Xx things are looking up!
    Trying to shift that debt!
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Gee thanks :D

    Just traded in another one of DS's old Nintendo DS games to Amazon £5.25 gift certificate on its way to the Christmas pressie fund :D

    Also, completed all the survey invites in my inbox.......clearly no-one in labour this evening:rotfl::rotfl:.

    Just waiting on a refund from House of Fraser, ASOS and my money for my traded in mobile phone to hit the account.:money:
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Oh yeah and today (well yesterday now!) was a NSD :D
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Nice little productive nightshift :D

    Have now written to all my lenders to enquire whether any of my existing or older credit cards and loans had PPI. I've also written to our secured loan lender (thought it was worth a bash).

    Just to sit back now and wait...........

    Feeling rather smug and in control. This usually means something is about to turn around and bite me in the a*$!!!!
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Also found a couple of my old textbooks to trade in on Amazon for gift certificates - £23.25 for one:beer:.

    Have left the other one in the house so will put that one through the trade in tonight;)
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Looking forward to bed - back with an update this evening :D
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
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