Massive debts

gargrave50

Ok so back to business when I'm not pretending to be JK Rowling! Quick update on the post.

The mortgage has been changed to interest only to make it affordable to rent - new payment confirmed today £202.70 a month :j.

Contacted the secured loan to see if there was some way we could get the monthly payment down to come within our budget for the rental we have been quoted. They said "no way", then extraordinarily I received a letter today telling me some garbage about the interest rate we were on expiring - its a bloody 25 year loan for God's sake!!! Never mind, somehow that takes our payment down from £445.86 a month to £322.73!! All good news so far then.:j

My husband passed his 17th edition wiring regs course which we paid for (£180:eek:), yay! Means he is completely up to date, not that it will make a difference in Oz but anything to make him seem more attractive (on the job market people, the job market!!!).

Lots of threats re: HBoS Visa. I feel a letter coming on..................

gargrave50

Bank money due tomorrow, probably around £200. Hubby still has a wage to get this week, but it will be his last.

No word on the job which is supposed to be "permanent" until we leave:mad:.

never_too_old

Thats a bummer about OH's work,it puts everything back when you dont get money in that your used too.My OH hasnt earned hardly anything recently because of this stupid weather.So its a survival game at the moment:(

gargrave50

Thought I'd pulled a fast one in the apple store today. Dropped my phone into a birthing pool at work, pretty much unscathed once it dried out, except wouldn't play my music. The lovely lady at the Genius Bar, rumbled me but said she would pretend she hadn't seen it, and gave me a new iphone 4s (I only had an iphone 4 before). Of course, the bloody ipod bit is playing up!:mad::mad::mad::mad:

Return trip to the Apple Shop!

gargrave50

Morning all!

Up and out bright and early to get my grey hair coloured in, back now and an entire house to attack as the Agent is coming to give us a rental valuation in the morning. So this will be short and sweet.

Just as well, as the postie only brought me a Farmfoods and a Co-op leaflet:cool:.

A cup of tea, twenty minutes of TV and I'm off and running with the housework.

gargrave50

Quick check of the online banking, only to discover my bank money hasn't gone in:mad::mad::mad::mad:. I was due 2 x nights which is around £380-400. I'm betting it has some long lost relation to the bank holiday weekend, but how one day has to put out the entire payments system is beyond me. Lazy gits! Did I get the bank holiday? Did I stuff! I got the privellege of working 5 nights over the bank holiday weekend thank you very much.:mad::mad::mad::mad::mad::mad:

I suppose it means next week I will be due 4 x nights bank which is around £760-800, but that's not the point. It would have been very nice to have it this week when I was meant to have it! Grrrr. Watch out bank office, I smell a fart in an envelope coming your way.:cool:

Never mind, hubby should have his last wage tomorrow around £445. Couple of phone calls to make now and I should be sorted. Things aren't looking too bad at the moment, would sort us out if hubby was to hear about that job before the end of tomorrow though:o.

gargrave50

Well today is a bit better you will all be glad to know.

No job for hubby yet, but his last wage went in no problem, and the bank office people got off their butts and paid me . £386.83 thank you very much.

Phoned the secured loan (shower of gits:mad:) people, to ask if they can sort out a change of my payment method from weekly standing order to monthly direct debit as the monthly amount is now reduced. They said it takes 3 weeks to set up which I suspect (having worked for a bank in my murky past) is boll-ocks. Never mind, the nice little robot on the other end, had a look in their 1920's computer and found out that we have overpaid. As such, no more payments due until September which will be the reduced amount:j.

That's a saving of £115 a week from now until we are gone!

The good news doesn't stop there. The guy came round to value my house for rental and has put the princely sum of £675 on it:T:T:T:T. They take 7% which I'm happy with. The mortgage and secured loan total £534 - now even in my less than functional mathematic brain, that's good.:money:

Posters are in the window, the board is going up later today - deal done:D.

gargrave50

The house was nice and tidy so will put the link when the photogaphs go on the website, I know you all love a snoop (I know I do)!

Oooh there's the postie..........more Co-op and Farmfoods leaflets? Surely not.

gargrave50

Just a nice folded white envelope from NDR re: Littlewoods. It would appear they don't want to accept my £30 a month which I've been paying for over a year stopping interest and charges. They have just added £24 in charges. I hate them, they've had the best offer I'm making. It's that or a fart in an envelope - take your pick Littlewoods.

gargrave50

Lot's to do today for Cole's Communion tomorrow, but can't be bothered. Sure I have some debt busting bits and bobs to do........