Companies in Default/FSCS Claims - Picture, London Scottish, Twopart

beaniebabe

dialysis wrote: »

Thanks hun been a long slog hasnt it? Yummy hope you enjoyed it I went to a coffe shop and had strawberry and white chocolate cheesecake OMG so good I would say its better than something but you know what i mean:rotfl::rotfl::rotfl:

Glad you enjoyed it hun!
As regards to it was "better than something!!!" It must have been good!!!:rotfl::rotfl::rotfl::rotfl::rotfl:
It has been a real long slog. I am so happy dialysis and even more pleased for you and hubby. I have now got to wait 6 days for the cheque to clear before I can spend it wisely!!!:T:T XXX

dialysis

busbyh wrote: »

I do actually think it is the best thing to do; to pay it all back, the thought of all that interest makes me really:mad::mad::mad:

I think this is what marshallka has been saying all along, but as I say it's personal circumstances!!!!!

I know what you mean with all the interest but for us we will be financially cetter off each month reducing bills and paying mortgage arears etc

dialysis

beaniebabe wrote: »

Glad you enjoyed it hun!
As regards to it was "better than something!!!" It must have been good!!!:rotfl::rotfl::rotfl::rotfl::rotfl:
It has been a real long slog. I am so happy dialysis and even more pleased for you and hubby. I have now got to wait 6 days for the cheque to clear before I can spend it wisely!!!:T:T XXX

Ooh it was scrumptious I have had it twice now, :rotfl::rotfl::rotfl:the cake that is, and lovely. thanks hun I am so pleased for you too:j:j:j:A:AMine clears on wednesday so cant wait bills to pay first. Enjoy it hun:j:j:j

busbyh

dialysis wrote: »

I know what you mean with all the interest but for us we will be financially cetter off each month reducing bills and paying mortgage arears etc

That's why I say dialysis, it's personal circumstances. I know my daughter is in the same position, wanting to reduce her monthly outgoings, means a lot more to them at this moment in time.;):j:beer:

marshallka

busbyh wrote: »

I do actually think it is the best thing to do; to pay it all back, the thought of all that interest makes me really:mad::mad::mad:

I think this is what marshallka has been saying all along, but as I say it's personal circumstances!!!!!

Busbyh, I was only saying that cause I know that people have been at threat of their homes as its "secured" and with credit card debts they are not. IF there ever came a time in someones life again whereby they needed to reduce their outgoings then unsecured debts only mean a dmp whereas secured loans mean repossession. If you were to be advised by a debt advisor after having troubles then they would always say to pay the secured (mortgage and secured loans) first and ask for help on the others. I certainly would not risk my home again ever if it mean't to me a choice of paying off credit cards/loans or secured loans. I know by missing on the credit cards etc it would not mean me being homeless. Just my view and i have seen so many on here saying they are already struggling with the repayments. If its not repaid against the loan then really its only like having "more" in a secured loan to consolidate other debts. Not always a wise move as I found out.

Please don't take offence here folks as my views are only my views. Its totally up to any individual.

pengi

Absolutely brilliant news for you all! I am having a glass of red to cheers you all.

Fingers crossed for the rest of us who are still waiting.
xxxxxxxxxxxx

dialysis

marshallka wrote: »

Busbyh, I was only saying that cause I know that people have been at threat of their homes as its "secured" and with credit card debts they are not. IF there ever came a time in someones life again whereby they needed to reduce their outgoings then unsecured debts only mean a dmp whereas secured loans mean repossession. If you were to be advised by a debt advisor after having troubles then they would always say to pay the secured (mortgage and secured loans) first and ask for help on the others. I certainly would not risk my home again ever if it mean't to me a choice of paying off credit cards/loans or secured loans. I know by missing on the credit cards etc it would not mean me being homeless. Just my view and i have seen so many on here saying they are already struggling with the repayments. If its not repaid against the loan then really its only like having "more" in a secured loan to consolidate other debts. Not always a wise move as I found out.

Please don't take offence here folks as my views are only my views. Its totally up to any individual.

Marshallka you are not offending anyone hun I know what you are saying my secured debt will be paid first I dont want to be in the situation I was again, I am hoping with what I have got we can do both, sort out secured and get rid of other debt as well. Your help is always appreciated hun so dont think your offending anyone.:A:A:A

dialysis

pengi wrote: »

Absolutely brilliant news for you all! I am having a glass of red to cheers you all.

Fingers crossed for the rest of us who are still waiting.
xxxxxxxxxxxx

Thanks Pengi enjoy your wine I am having a coffee boo hubby at work in morning so we will celebrate well and truly at the weekend I have my fingers and everything crossed for all of you waiting:T:T:T

pinknico

Marshallka Youre not offending anyone, but as busbyh says every has to do what is best for them and no one knows what that is except that person and they are entitled to do it and not feel judged or wrong.

unfortunatly I think it is still the case if you get in trouble with loans and creditcards the companies can get the debt secured against your house.
And if you work out how much interest you would pay on having a credit card there would not be much difference in the long run as the interest rates on credit cards can be 3 x as much as picture loan.

I hope everyone does what is best for them with the money, enjoy the fact you are in the position that you got the money back and most importantly whether it be a chocolate bar or a new car TREAT YOUR SELVES. XX

dialysis

pinknico wrote: »

Marshallka Youre not offending anyone, but as busbyh says every has to do what is best for them and no one knows what that is except that person and they are entitled to do it and not feel judged or wrong.

unfortunatly I think it is still the case if you get in trouble with loans and creditcards the companies can get the debt secured against your house.
And if you work out how much interest you would pay on having a credit card there would not be much difference in the long run as the interest rates on credit cards can be 3 x as much as picture loan.

I hope everyone does what is best for them with the money, enjoy the fact you are in the position that you got the money back and most importantly whether it be a chocolate bar or a new car TREAT YOUR SELVES. XX

Thanks Pinkinico I think I might treat myself to some more of that strawberry and white chocolate cheesecake:T:T:T