dottyanne's debt diary

dottyanne

hello everyone - just wanted to say hi on my little diary thread - been a tough couple of months for me to say the least - its been one of those yeas to be honest


got a till for the shop now on the advice of my new book-keeper to keep things more orderly.........


hows everyone else - any gossip then eh?

dotty xx:p

Pobby

Hi love,nice to see a really positive post from you.You do seem happier and I am glad for you.How`s the shop doing?Did you implement your idea of doing call outs?

dottyanne

Hi pobby - yes weve started advertising the call-outs and done 1 or 2 so far.....just organising the posters for advertising for xmas in the shop window.....i know, i know its only September :-)......


hows everyone else doing?

dotty xx

dottyanne

Ok all - well not much to report today - been okish at the shop - however im trying to make as much as possible as i want to clear ALL outstanding business bills BEFORE Christmas..........thats my goal and i do thinks it's do-able.
It cost me £19 today to get my 3 kids bikes repaired...........however it meand they can cycle to and from school now which will mean i can work that bit longer each day..........


dotty x

lynzpower

dotty.

Could you tell them you never recieved the statements, or pay another tenner again to get them

Glad your DMPs finally going OK

Verbatim

Well done Dotty.

On the overdraft front could you work out a timetable to show them how /when you could realistically make payments, so much on this date and so much on that, so that they can see you're serious about paying, then make an appointment with the manager and explain your circumstances? It must be as much in their interests as yours to have a customer who's paying to a plan rather than struggling. At least that's what I'd say to them. You could also take along your books/accounts to show that business is improving and debts are coming down, hmm not sure if you want to show them that much. Maybe an edited version? They can't have money you haven't got but showing a plan shows good intentions and that it's feasible . They can see they will get their money.

Mrs_Sparkle

Hi Dotty, no advice from me but just to add my support. We're a similar age- I'm 35- so I understand the need to pay off debt while we're still pretty young. I'll be keeping an eye on your diary to see how you're getting on!

dottyanne

Crappy week this one - im skint .............. the ggod news is that the accountant has finally done the accounts for 2004-05, Oh has signed them and were hand delivering them to his house tonight - they have a deadline of Friday........

BAD NEWS - his bill is nearly £1000...I just havent got this kind of money - i dunno what to do?

On the RBS front im going to write to them again and state that im over the O/D limit BECAUSE of THEIR charges and ask them to refund them - and send me a full list of charges for the last 6 years again.........im not letting this drop - they are being right !!!!!!....

dotty x

*zippy*

Hi Dotty

Is this the accountant that has messed you around or a new one? If its the one who messed you around could you get him to break down why it is so much. Any chance of paying him in installments?

Have you any other bank claim charges due back or anything you could use.

I know my accountant said alot of clients pay by credit card.

Feel for you hun, must have been a nasty shock after being so pleased at getting them done

zippy x

dottyanne

Hi Zippy - it was a shock - especially considering that it took him over a year to get anything done at all!!

I dont have a credit card anymore so no chance of putting it on this either - on a plus side the bank have extended my business overdraft until 24th December which should give me more than enough time to pay it off........

The deadline for the books going to I.R. is tomorrow so im keeping schtum until i know hes definatley met the deadline and sent them in.

dotty xx