Massive debts

gailey_2

Its taken me nearly most of day

but read entire 85pages.

you fab and put me to shame and really made me self evaluate my life

im 31 and hubbys 39
hes retail manager im stay at home mum and crap housewife
we rent as cant afford to buy and have debts

I have od £1750
very/littlewoods about 700 as 44%interest rates:eek:
hubby has £4500 cards and £2700 od
the od and 1card is with Santander they !!!!!! and useless.
he has AA loan ends june 2015 but they been awful too think it must be about 12grand outstanding as f and f when enquired in march was 15k.

I dont work, hubby works long hours
we have 3kids age 5 in primary, age 2 and baby 6months.1step son 13 too
hubby leaves most things to me which annoys me sometimes

last months I have

got better broadband deal-we need to switch to sky
got better deal from aa roadside cover
fixed the internet and spent many hours on phone to virgin


The year started off well paid off quiite a bit

£1000 very
£300 next
£1000 LLoyds loan only had as they wanted their od back with months notice so had no choice.
£1300 Barclaycard thank god as they and mercers were just horrid to deal with

recently paid off last remaining od with Lloyds thank god they awful.

hubby would love to leave santader but dont think either of our credit ratings that good, have never faced the report.

we did have hopes of bank charges but think thats impossible now.

wondering did you claim all late charges on barclaycard?
I did have ppi sadly on loans settled in 2003 and think 6years.
dont want to upset barclays even though they owe me lots as they may demand their 1750 od back.
very has to be my priority.

hubby had nearly paid off tesco card
then the numpty gets points
car insurance went up by £100 a month
both cars went wrong and needed mot/tax
applainces went wrong

and its back up to max again!

really thourght we were making progress

2015 seems so far off

im handy in kitchen and batch cook/cook from scratch
we have small veggie patch
i use cloth and breastfeed

jan 2011 had so many plans to save for xmas but when skint spent those savings

also we brought desperatly needed bigger car to fit 3kids plus repairs on old car more than its worth negociated lousy 600 quid for old one part ex.

im trying to find part time job thats firts in around hubbys hours
hes been unable to get better paid job.
have no family nearby to help.

I used to do lots carboots/ebaying from 2007-2010

but this year maybe baby no 3 I lost my way.

did used to do mystery shopping but then they stopped sending
same with surveys wondering if should rejoin with new email addy.

Im annoyed with myself

I have tax credits form to send back
need to apply for jobs
need to declutter and tidy the house
the kids need thnings like new bed
could do with new buggy
eldests hobbies cost a bit

we were coping ok but everythings gone up

havent got into cashback sites
havemt done xmas shopping
havent any vouchers or saved points on Lloyaty cards
this means im missing out on potential bargains

i need your drive to do it all

so reading your story commuting such a distance
managing a family as well as working full time
knowing your stuff your letters are very funny

most of time I have sigh of dread when postie comes and screen tel calls letting answer machine get it.

you also made me think about the future.

hubby gets so down and daunted by the figures

I want to go back to work but change profession but worried about cost and time of being a mature student and balancing 3kids.

I would love to pass driving test but that costs money and now numpty has extra points cant afford the insurance for new driver.

hubby wants baby no 4 im not so sure maybe in 4-5years time when debts paid off.

middle dd starts school 2014 and youngest 2015 then I be free woman.
fast realising they cost more as they get older,
The baby costs us very little so cant blame him.

keep thinking its too late now its end october will wait until jan

but decided my new year starts this week.

so going to enquire what i could maybe get back
sort out tax credits
enquire about uni open day
start ebaying again got confused last time as they changed it
start surveying again
start comping again gave up on grounds I never ever win.
but i did actually win raffle once this year so maybe we on the up.

so big thankyou

gargrave50

gailey wrote: »

Its taken me nearly most of day

but read entire 85pages.

you fab and put me to shame and really made me self evaluate my life

im 31 and hubbys 39
hes retail manager im stay at home mum and crap housewife you don't sound like a crap housewife to me.
we rent as cant afford to buy and have debts less and less people can afford to buy - you are definately not alone!

I have od £1750
very/littlewoods about 700 as 44%interest rates:eek:
hubby has £4500 cards and £2700 od
the od and 1card is with Santander they !!!!!! and useless. Agreed:D
he has AA loan ends june 2015 but they been awful too think it must be about 12grand outstanding as f and f when enquired in m arch was 15k.

I dont work, hubby works long hours
we have 3kids age 5 in primary, age 2 and baby 6months.1step son 13 too
hubby leaves most things to me which annoys me sometimes

last months I have

got better broadband deal-we need to switch to sky
got better deal from aa roadside cover
fixed the internet and spent many hours on phone to virgin


The year started off well paid off quiite a bit

£1000 very
£300 next
£1000 LLoyds loan only had as they wanted their od back with months notice so had no choice.
£1300 Barclaycard thank god as they and mercers were just horrid to deal with

recently paid off last remaining od with Lloyds thank god they awful.

hubby would love to leave santader but dont think either of our credit ratings that good, have never faced the report.

we did have hopes of bank charges but think thats impossible now.

wondering did you claim all late charges on barclaycard? I did and used the proceeds to pay off hubbys other barclaycard and get rid of that.
I did have ppi sadly on loans settled in 2003 and think 6years.
dont want to upset barclays even though they owe me lots as they may demand their 1750 od back.
very has to be my priority.

hubby had nearly paid off tesco card
then the numpty gets points
car insurance went up by £100 a month
both cars went wrong and needed mot/tax
applainces went wrong

and its back up to max again!

really thourght we were making progress

2015 seems so far off

im handy in kitchen and batch cook/cook from scratch
we have small veggie patch
i use cloth and breastfeed - as a midwife I'm smiling - mse and the best choice - what a woman!!!!

jan 2011 had so many plans to save for xmas but when skint spent those savings

also we brought desperatly needed bigger car to fit 3kids plus repairs on old car more than its worth negociated lousy 600 quid for old one part ex.

im trying to find part time job thats firts in around hubbys hours
hes been unable to get better paid job.
have no family nearby to help.

I used to do lots carboots/ebaying from 2007-2010

but this year maybe baby no 3 I lost my way.

did used to do mystery shopping but then they stopped sending
same with surveys wondering if should rejoin with new email addy.

Im annoyed with myself

I have tax credits form to send back
need to apply for jobs
need to declutter and tidy the house
the kids need thnings like new bed
could do with new buggy
eldests hobbies cost a bit

we were coping ok but everythings gone up

havent got into cashback sites
havemt done xmas shopping
havent any vouchers or saved points on Lloyaty cards
this means im missing out on potential bargains

i need your drive to do it all I didn't always have this drive - I spent longer with my head buried in the sand than I have actually doing something about it. However, now I've started - I've got the bug :j.

so reading your story commuting such a distance
managing a family as well as working full time
knowing your stuff your letters are very funny - Yes I commute but actually its not the worst existence although I know there is better to come. My husband does a better job of managing our family than me - he is the one working full time and sorting out DS the majority of the time, whilst I'm in London - yes working 12 hour shifts 7 days a week, but only having myself to look after. Family wise my only responsibility is the finances. But you are right about one thing - my letters are goddamn good :rotfl::rotfl::rotfl::rotfl:.

most of time I have sigh of dread when postie comes and screen tel calls letting answer machine get it.

you also made me think about the future.

hubby gets so down and daunted by the figures

I want to go back to work but change profession but worried about cost and time of being a mature student and balancing 3kids.

I would love to pass driving test but that costs money and now numpty has extra points cant afford the insurance for new driver.

hubby wants baby no 4 im not so sure maybe in 4-5years time when debts paid off.

middle dd starts school 2014 and youngest 2015 then I be free woman.
fast realising they cost more as they get older,
The baby costs us very little so cant blame him.

keep thinking its too late now its end october will wait until jan

but decided my new year starts this week.

so going to enquire what i could maybe get back
sort out tax credits
enquire about uni open day
start ebaying again got confused last time as they changed it
start surveying again
start comping again gave up on grounds I never ever win.
but i did actually win raffle once this year so maybe we on the up.

so big thankyou

I am SO touched, probably the most touching post I've read ever. Don't take me as a yardstick there are many people out there far more inspirational than me. I manage our own situation as well as I possibly can, but still make blunders here there and everywhere. But what I have learned, is that I have made a decision to change - and I will make mistakes but I'm still in a better place and moving in the right direction as opposed to when I was burying my head in the sand.

Your job is far harder than my lot in life - you are managing 3 young kids, doing everything you can to stretch the finances and keeping the whole ship afloat. I'm in awe of you - plus you decide today is the start of your new year. Well count me in - I'm with you! Any help I can possibly give I'm there - please keep in touch and thank you for reading the entire thread - I'm sure it wasn't all entertaining . Love to you and your family - keep at it things will change and you can do anything you put your mind to. Take it from a mature student .

bonsibabe

Well I am back and have caught up on all the goings on ... well done hun!!!!

Hope you had a great birthday and got spoiled rotten cos you deserve it!

Will update my own diary thing later on today xxx

gailey_2

Thanks gargarve for kind word

you seem to manage so much whislt working/commutting

hubby says I put off things
yet doesnt always deal with them himself

I used to be a fultime store manager
working 50+hours so was hubby and struggled to balance childcare and costs after tax and 800quid nursury fees came home with 300quid and hated my boss the stress was making me feel quite ill.

But I quit just before credit crunch hit and thourght would find part time job

applied for lots thinking with least 10years retail experience
alevels
business and legal studies degree I get something

I either heard nothing
overqualified
employers want full flexibility

gave up looking we thourght we get by

then we had baby no 2
then this year baby no3

all planned dont think theres ever a right time to have a family
we sacraficed our chance buying home by starting a family so young I was 25
hubby was older
we got into debt just trying to live ie car repairs, appliances breaking as dident have any savings/disposable income.
wish we coulld have said we lived life beyond our means and had lots of luxuries.

im quite the bargain hunter shopping in charity shops, nct sales, carboots and ebay to enable the kids have all they need.

try to get cheap furniture for house

havenet been abroad since 2006 pre baby no 1
went on sun hol last year wasent as cheap as we thourght
havent been this year

not even doing school dinners right now as soo pricey.
middle dd cheap shes inherited her sisters old toys/clothes.

would love to clear overdrafts and credit cards for me and hubby

this year feels like we worse off than 2007
worse than 2010

we were doing so well feel like 1step foward 2step back.

Tidy the house as inspection tommorow
got 3kids home and hubbys in work until 9pm will do my best.

I start things then lose momentum have done

pad before-might restart that for very
10a day and been unsuccessful
cant do carbots as dont drive and mates not wanted to do them last 2seasons.

havent done a diary since 2009 wondering if should start one and see if motivates me/shames me into action.

had to chuckle about your i pod shuffles-thats so me lose things constantly

did your hubby every get rid of scrap pipes £200

hubbsy equally fed up of sofa diving for change sometimes week before pay day
oaccsionally doing odd payday loan just to get buy
being in lidls with just a fiver in purse

think we both been getting down and stressed

hubby thinks I should retrain to get better paid job that even if went back part time when kids in school would be more than being being trolly dolly in tesco really miss having a a career.
sort of fell into retail as always worked in retail and was one of few jobs easily get after graduating.

I fancy retraining as social worker

but what worries me is cost with tuition fees rising

its 3year course full time, 5year part time
what would i do about childcare for 2youngest ones.

plus then when i graduate with cuts how easy would it be to get jobs?

i want to pass cartest that costs money
used to ride a vespa but sold that

debts-we dident want to do dmp with reduced payments as thourght would damnage credit rating we hoping when out of debts to get a morgage.

so after debt free need to save least 10%depsit which will be a challange

so we havepaid all our debts sometimes minimimum paymennts
had late charges
had bank charges

paid off some debts in full this year.

hubby still wants no 4 im not so sure would rather wait.
decided when loan ends 2015 we going on hols abroad as will have been tough few years.

havent been debt free since 18.

guess its bit like weight I paid a lot
but less to lose/payoff to hit target
got compacent.

managed to lose 1stone 9lb baby weight this year so trying to make some positive changes.

worried how how going to afford xmas so determined to start ebaying again.

this morning posted on charges board

need to send letter to barclaycard i think requesting total list of charges.
think they even charged me for letters.
not sure if they charge me for past statments
was online wondering if will go back 6years cant remember password
would they tell me over phone very much doubt it


would be fab if could get money back allowing me to pay littlewoods/very their money back

they given me tonnes charges last 2years you tried claiming cat charges back?

my 1750 od with barclays at its limit
they owe thousands but think since court case bank charges hard to get back.

will hunt out tax credits form as they useless.

take some pics of clothes
set up new ebay account
have set up new email account

surveys- signed into valued opinions says i have 2.00 last done 2009:eek:wonder if they start sending me stuff

tried to sign into lightspeed/my opinions
said i wasent registered and joining by registration only so have no clue
must join some more

need to join cashcback sites whats difference between topcashback and quidco?
annoyed hubby renewed both cars and fdident get cashback
but we do need new homeinsurance
alsoi want sky internet/phone we already got tv wondering if can do this via quidco?

are bingo sites worth the hassle?willing to look at anythbing can do from home until can find part time job.

need to job hunt again
redo cv

So will start mad ramblings on debt diaries.
gaileys new year diary starts now
line in sand stop worrying about past regrets, take action, plan for futute.

thanks so much for helping me see I need to do more.
if you can do all that then so can others.

I loved all the witty letters
the really informative helpful stuff.

normally i get down at xmas as its a struggle

i did buy wrapping paper/card in jan sale and tree decs
but i spent the food savers card when we were skint
dident save the points
made stuff last year so want to do same this year but need to get cracking.

Skint_but_Optimistic

Sorry J have not been about much have a fabulous birthday tomorrow and enjoy yourself ok? ((hugs)) I am being very much mam at home and am not spending much on the day tripping but they take organising.

And gailey, bless you. Its a hard road, get your soa done and start a thread. Gargrave is a lovely person and a great inspiration.

Bonsi, welcome back.


I shall check in on a couple more threads now while I finish me cuppa, then I need sleeps!

debtfreewannabe321

Gailey if you want to leave santander i fully recommend the co-op as a bank. Our debt was mainly with santander & barclays and we moved to co-op to stop them stealing all our income on charges & interest! We weren't even credit checked for the co-op account...we told them we just wanted a basic account with cheque book, d.d facility etc and it's great, best move we did! Good luck hun!

Gargrave....I wrote letters yesterday to ask again that aqua & barclaycard stop interest on hubbys account but i'm sure you wrote one amongst your many (and i had a quick flick through but couldn't find it) did you put in a quote from somewhere in yours stating that they have to stop interest if certain factors are at play (sorry very early for me, hope this makes sense lol) I sent the letters off but i think they will just ignore them and I know noone ignores your so if you have a template would you mind sharing pretty please

Oh and well done on your NSD!

dfw x

MatyMoo

debtfreewannabe321 wrote: »

Gailey if you want to leave santander i fully recommend the co-op as a bank. Our debt was mainly with santander & barclays and we moved to co-op to stop them stealing all our income on charges & interest! We weren't even credit checked for the co-op account...we told them we just wanted a basic account with cheque book, d.d facility etc and it's great, best move we did! Good luck hun!

dfw x

Good call DFW! Then the Santandar debt can be treated as any other debtor and you can choose when and how much you pay off them, rather than the thieving bar stewards taking every penny that gets paid in to your account leaving you with nothing to live on.

Skint_but_Optimistic

I wrote to Lewis group as you know,,,,, about the Welcome loan - and my letter appears to be well received. haha. Massive changes to the credit report, am now in the fair rating!:j

gargrave50

Skint_but_Optimistic wrote: »

Massive changes to the credit report, am now in the fair rating!:j

There must be some mistake .

Sorry to post and run - will be back in a while to give a proper update - majorly busy at work today (and the day before that and the day before that and the day before that :rotfl::rotfl::rotfl:).

Skint_but_Optimistic

Busy is all a bit rubbish. I am back anyway but ebay has exploded, 53 active listings and hoping my tat sells at inflated prices again...