Massive debts

dangers

Gargrave - it's on the exec club web page under 'spending your BA miles'. It's 100000 miles or 50000 + £415

gargrave50

gargrave50 wrote: »

Wonder how much it would cost us to ship over our Honda?

Question answered - approx £6k

gargrave50

dangers wrote: »

Gargrave - it's on the exec club web page under 'spending your BA miles'. It's 100000 miles or 50000 + £415

Result:j

Thanks Dangers - clearly I've spent too long staring at the screen! xx Julie

gargrave50

gargrave50 wrote: »

Got the passport pictures done at Tesco - therefore the to do list for tomorrow looks like this:

1.[STRIKE] Complete and send IELTS application form to sit test 22nd October.[/STRIKE] Hopefully not required - email sent to confirm.
2. [STRIKE]Finalise CV after first draft today and send with prospective emails.[/STRIKE] Done
3. Finalise actual cost of applying for skills assessment transfer and start to plan when this can be completed (money money money).
4. Scan all the letters and file complaint online with Financial Ombudsman re: Santander, for the grand total of £25 . Big money - that's what I'm all about!
5. Have THE ebay clearout - and prepare to list a zillion items. Check out the turbolister suggested by SBO.
6. See what the post brings (obviously!)
7. Housework
8. Do the snowball thingy that SBO does - I'm completely irgnorant at times - hear everyone talking about it and not a clue what it is. You would think after 3 years I might have looked into it!!!

And to finish the day off sit in pyjamas with bottle of half price wine from Tesco and have a lovely dinner watching x-factor .

Planning to look at SBOs link to the turbolister and research snowballing tonight - with a large glass of vino of course;)

jellybean39

ooohhhh Snowballs me like snowballs.
Me like to sit and stare and snowball.
Snowball is goodddddddddddd lol
So sad i like to sit and watch my snowball to see if my debts go down on there own, Ask millionare in training she has the same problem!!!! Just wish they would pay themselves now that would be good xx

Skint_but_Optimistic

Haha Im sitting with a large gass of wine reading your blog.

Glad things have gone well, you are so flaming productive!!!

Any issues with turbolister just let me know... x

gargrave50

jellybean39 wrote: »

ooohhhh Snowballs me like snowballs.
Me like to sit and stare and snowball.
Snowball is goodddddddddddd lol
So sad i like to sit and watch my snowball to see if my debts go down on there own, Ask millionare in training she has the same problem!!!! Just wish they would pay themselves now that would be good xx

OK girls, explain snowballing to me - I'll never get around to looking into it otherwise:cool:.

gargrave50

Received yet another copy from HBOS of my "CCA" for our credit card. I hate to point this out to them but it is fact an application form with a separate (up to date as it refers to £12 charges) list of terms and conditions:D. Now I'm sure I've read that they can provide a reconstituted copy of the current terms and conditions. However they also state they include "a copy of your original application form". I don't remember asking for that .

Now it is 1. illegible and 2. is an application form which doesn't contain all of the prescribed terms!

Their aggressive covering letter states:

"There is no requirement under the CCA to provide a copy of the original signed agreement, but notwithstanding the fact, please find enclosed a copy of the pages of the original agreement which prove a valid signature". Now far be it from me to point out that the original "agreement" is in fact an application form - oh that's right they already pointed that out themselves:rotfl::rotfl::rotfl:.

They state further: "The prescribed terms of the agreement would have been validly incorporated into the agreement on the revers of the enclosed sheet or a separate attached sheet". Now, that may well be the case - and if you could provide a true copy of the executed CREDIT AGREEMENT and not the application form we could check that couldn't we?!!!!:D

If they want to play that game, maybe my response will include such little gems as "as you suggest the prescribed terms of the agreement would have been validly incorporated into the agreement, but have been unable to provide the agreement to allow me to confirm this. Perhaps you would accept that my cheque would have been validly incorporated into this envelope had you been able to provide a true copy of the executed agreement under the CCA - and not an application form which I now have 3 illegible photocopies of."

What do you think?

gargrave50

Oh and another £25 John Lewis voucher received for the Xmas jar this morning

Skint_but_Optimistic

HI Julie!

Snowballing is taking the highest interest debt and focussing on that, until its gone, and then the next one, using a fixed sum of money on a month by month basis.

Theres also the capacity to make additional payments.

Glad all is going well. My postie posted the post on my head this morning. I was changing the doormat. Think the word is out, that I am the anti postal person.

RIGHT, a half hour ironing then head to the other house!