A Payment A Day Part 5

so_here_we_are

He! he! he! have just found £1.28 at the bottom of my handbag so a second pad to the tin

Paulgonnabedebtfree

mumofthreemonkies83 wrote: »

Morning guys

Hope you dont mind me asking, id post on the CC board but im scared I might not come back alive :eek:

As I said yesterday I have a CC with Lloyds tsb almost at its limit, I spent on it on Saturday bringing the available credit to just £60ish, now when the bill is due in (today) the interest is £80.
Obviously being aware of this I sent a pad on Saturday of £60 to make sure it was below the limit when the bill was due in.
Now the bill is due today (not available online yet) and my saturday payment of £60 is showing on the statement but the available balance is still showing as just £60 so for soem reason they received the payment and acknowledge it but havnt counted it yet and im sure when they work out the bill later today ill be overlimit and will get charged.

I think this is unfair as the payment obviously reached them but when do I stand with my rights?
In short for those of you that are confused, I have paid some money off my cc so I wont be overlimit but although its been received by the bank and showing on my statement it hasnt come off my available balance so when I get my online statement today ill be over the limit.

Hope you guys can help, I wouldnt be so annoyed if I didnt just send them another £500 yesterday

Sorry no pad today, ill get on top of it soon I promise.

Oh and Angelic. I should have known not to mess with you :rotfl:
Nice barn by the way
I give in **hangs white flag**

Mumof4 xx

My suggestion is to phone them. Sometimes there are no problems if it's a "first offence". For future reference, if you take cash into a branch with the payslip from the bill, it usually gets onto the account sooner. Not sure if this is still the case now that some of the banks have a faster payments system. Not much good if there's no branch in your area. Mine is only a 10 minute walk away.

EDITED TO SAY: How dare you go overlimit. It's late payers like you that make it hard for the rest of us. Don't you know how to manage a budget competently yadda yadda yadda
Oops. Sorry. Wrong board :-)

Flower08

Right got the money i was owed, so paid £20 to savings and £20 to HSBC CC, total PAD today is £40

mooomin

MinniMe wrote: »

FF are have you had any experience writing letters to the council re tax - tehy are upsetting me!

Nope, and my local council are bl**dy awful.

I knew I had arrears (2 years ago this was I think) and called them to pay with a 0% credit card I had taken out for the purpose, only to be told they wouldn't accept it as I was "taking on debt to clear their debt". Patronising beggers.

What problems are you having with them?

Paulgonnabedebtfree wrote: »

EDITED TO SAY: How dare you go overlimit. It's late payers like you that make it hard for the rest of us. Don't you know how to manage a budget competently yadda yadda yadda
Oops. Sorry. Wrong board :-)

:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

Mrs_Tradition

Hi All
I haven't been on for a few weeks as time off work combined with literally not a penny to do you know what with. Anyhooo, back to making my PaD's as even if it's 2p, it's 2p better paid off my debts than in the spare drawer at home. Agreed? :-)

So my PaD today is to Tesco CC which is first on my list of snowballing.

I dream of the day when I have the very last payment in my hand, ready to make to clear my debts. Can you imagine it - I do!

Autumn's arrived here in the North East of England, where I am anyway :-) and it's my fave season of the year so I am in happy happy mode

Take Care all.

xxxx

MinniMe_2

FF - I feel for you council'sa re a nightmare.

With me, when I moved in I filled in single person form, they didn't apply it etc now 1year later, they have applied it but without backdating it, I had to phone 8 times to get that applied, have now made 3 formal complaints and haven't had a word back from them. Once when I phone I was told "it was too difficult to backdate" I said I didn't think that was an excue so the girl said "not my problem" and hung up.

Still trying to fight to get the money back - would make a nice PAD!!!!!

Thrifty_Pixie

Hi all - noob here

I have been reading through this thread for quite a bit now and think it's a fantabulous idea. When I've thought of attacking my debts before I've always felt overwhelmed, but little and often I can do (which makes a difference, right?) So I am determined and would like to join. I'm not quite sure how I'm going to go about this personally yet, but, to begin with, I have emptied a tin to keep on my desk for each time I turn down a lunchtime pint or sandwich. I will probably list my regular d/d's and s/o's as PADs here, and then add the extra tin money as a lump-sum PAD at the end of each month.

I do have an overall MasterPlan for thrashing my debts, but I can't really kick that off for a month or so, as it relies on money I know I have coming to me...however I'm going to give this a go in the meantime.

So. To begin.

There is 50p in my purse and that's going into the tin for today. Tonight I will be emptying out my change pot and will add that tomorrow.

So - 50p PAD for me today!

Woot!

Flower08

MinniMe - dont even get me started on councils!!! They did the same thing to me, was supposed to have student discount 25% off, but they didnt apply it - then they threatened to take us to court for not paying the full amount.
Think they only refunded it and applied the discount because they got that fed up of me. I wrote to them every week without fail and went to the offices every Friday after work for about 9 weeks before they finally sorted it all out!

Flower08

Thrifty_Pixie wrote: »

Hi all - noob here

Welcome to the madhouse!

MinniMe_2

Flower I think I might give it a go - sit in the office and refuse to move till they sort it - I'm so frustrated!!