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Massive debts

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  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Result!:j:j:j

    Gemma called back to accept my payment offer of £10 each week. No further charges etc, to be reviewed in 12 months. Yay!:j:j:j

    Saves me a letter / email to the FO, I'm happy with this and when it comes to "review" time hopefully I will have saved enough to make a F&F :T
    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
  • Tixy
    Tixy Posts: 31,455 Forumite
    edited 24 August 2009 at 12:04PM
    Congrats Gar oregonian_winesmiley.gif (I'd have done the 'congrats' beer smiley but I know you are a wine girl!)

    It shows persistance does pay off. Good old Gemma!
    So thats one down, how many to go?
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Love it Tixy thanks!:D

    Well now I have official agreements in place with Littlewoods (which I thought was never going to happen!) and Next Directory.:j Both have provided enforceable CCA's and I'm happy to have a confirmed arrangement in place with these.

    My other Shop Direct account are taking their time to provide the CCA - I don't think they have one as they just "sent" me other books after a while :)

    No valid CCA from HBOS Visa either - also in dispute.:D

    Barclaycard have been unable to provide a CCA either - so in dispute with them also. Saving the payments I was making for F&Fs down the road a bit.

    Yay I'm getting somewhere!:j
    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
    Cracking open the wine tonight boys and girls, can't wipe the big smile off my face :)
    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
  • dancingfairy
    dancingfairy Posts: 9,069 Forumite
    Hi Gargrave - glad you are getting on so well - another one sorted. Hope you can get the parking fines one sorted as well soon and also the HMRC - it is a bit ridulcous if they can fine you despite you repeatedly requesting the form form them.
    Good Luck with the Edinburgh job - hope you get and interview (and the job of course).
    df
    Making my money go further with MSE :j
    How much can I save in 2012 challenge
    75/1200 :eek:
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Thanks df,

    Well my MP seems to have taken over the good fight on the parking front. Will write to HMRC again today - thinking I should just start a PAD to HMRC to get rid.

    Will keep you all informed of my job interview prospects :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
    !!!!!!

    Just went to add a letter to my files, and the entire folder is missing from my pen drive. I accessed it this morning to email to Gemma at Littlewoods. I'm up the creek.
    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
  • Tixy
    Tixy Posts: 31,455 Forumite
    Oh no Gar

    Check your computer, have you accidentally dragged the file on to your desktop or somewhere? Is it all letters or just Littlewoods that are missing? Have you got printed copies? Did you accidentally cut & paste the folder onto the email to Gemma (check your sent items?) rather than copy & paste.

    Fingers crossed you find them.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • MyopicMoo
    MyopicMoo Posts: 274 Forumite
    Good luck finding the missing information - make sure you check that it hasn't wound up inside another folder. That reminds me, I must back up my stuff.

    Besides that, glad to see things are moving well.
    Ebay challenge 2010 - £525
    :idea:August 2009: Debt _pale_: [STRIKE]£55895.56[/STRIKE] £43069.65 - £12825.91 paid off so far (23%)
    Council Tax Arrears Paid £6023.67/£6581.64 (92%) :j
    2009 (5 months) £5753.53 paid / 2010 £7072.38 paid so far
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Nope searched high and low. When I try to open the file from "recently viewed items" it tells me its corrupted. I stupidly haven't kept any back up or hard copies:eek:
    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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