A Payment A Day Part 5

Paulgonnabedebtfree

PandaPaws wrote: »

I'm so confused

I've been making PADs to my MBNA account, and my balance has only gone down, yet my minimum payment and the interest actually INCREASED this month (by about £15-20). Has anyone else experienced this? Am I being penalised for making extra payments?

Suspect this is a question for a different board, but just wondered whether other PADders had had the same problem??

There was a point where MBNA made the minimum payment £25 p.m. on quite a few accounts. Could something like this have just kicked in on yours? I've found that although some of their conditions are draconian these days, they have always been good with keeping me informed about them when they change. It can get a bit lost in amongst the other paperwork though..

I see you figured it out in the end

Moneytroubles_2

1.16 off the very catalogue! Now takes the very debt to under £800! :j:j:j

Silaqui

Pad today of £6.37
Really fancy a McFlurry OR some Ben and Jerrys from Morrisons - me and the boyfriend are currently arguing about who goes out in the car to get some. It aint gonna be me... :cool::cool::cool::rotfl:

xx

sashybo

Hi all, a pad of £1 split between Barclaycard and Capital One.

Have recalculated my flooring fund as lost most of what was left to Northern Rock and my stupidity in forgetting to cancel the standing order. Only need a couple of things to get the bathroom floor tiled and just need to save for laminate flooring for the hall now.

I'm in a grump tonight and I don't even know why. Refused to go out with the OH when he was going out to visit a colleague to do them a favour. Just can't face meeting people I don't know tonight - yes I'm a weirdo.

honeybear_2

Hi there

I want to get into this whole PAD'ing malarkey and I have a question;

do you PAD straight into the O/D, loan, CC etc account that needs paying? Or do you put it into a savings-style account and pay it over once a month? Or something else that I may not have considered?

Just trying to get my head around it as I intend to sign up (in my sig & on your thread) next January

Thanks!

Greenbynature

This isn't a joke but I found it very funny:

This is a genuine complaint to Devon & Cornwall Police Force from an angry member of the public

Dear Sir/Madam/Automated telephone answering service,
Having spent the past twenty minutes waiting for someone at Bodmin police station to pick up a telephone, I have decided to abandon the idea - and try e-mailing you instead.
Perhaps you would be so kind as to pass this message on to your colleagues in Bodmin, by means of smoke signal, carrier pigeon or Ouija board.
As I'm writing this e-mail there are eleven failed medical experiments (I think you call them youths) in St Mary's Crescent, which is just off St Mary's Road in Bodmin.
Six of them seem happy enough to play a game which involves kicking a football against an iron gate with the force of a meteorite. This causes an earth shattering CLANG! which rings throughout the entire building.
This game is now in its third week and as I am unsure how the scoring system works, I have no idea if it will end any time soon.
The remaining five failed-abortions are happily rummaging through several bags of rubbish and items of furniture that someone has so thoughtfully dumped beside the wheelie bins. One of them has found a saw and is setting about a discarded chair like a beaver on ecstasy pills.
I fear that it's only a matter of time before they turn their limited attention to the caravan gas bottle that is lying on its side between the two bins.
If they could be relied on to only blow their own arms and legs off then I would happily leave them to it. I would even go so far as to lend them the matches.
Unfortunately they are far more likely to blow up half the street with them and I've just finished decorating the kitchen.
What I suggest is this - after replying to this e-mail with worthless assurances that the matter is being looked into and will be dealt with, why not leave it until the one night of the year (probably bath night) when there are no mutants around then drive up the street in a Panda car before doing a three point turn and disappearing again. This will of course serve no other purpose than to remind us what policemen actually look like.
I trust that when I take a claw hammer to the skull of one of these throwbacks you'll do me the same courtesy of giving me a four month head start before coming to arrest me.
I remain your obedient servant
???????

---

Mr ??????,
I have read your e-mail and understand your frustration at the problems caused by youths playing in the area and the problems you have encountered in trying to contact the police.
As the Community Beat Officer for your street I would like to extend an offer of discussing the matter fully with you.
Should you wish to discuss the matter, please provide contact details (address / telephone number) and when may be suitable.
Regards
PC ???????
Community Beat Officer

---

Dear PC ???????
First of all I would like to thank you for the speedy response to my original e-mail.
16 hours and 38 minutes must be a personal record for Bodmin Police Station,and rest assured that I will forward these details to Norris McWhirter for inclusion in his next Guinness book.
Secondly I was delighted to hear that our street has its own Community Beat Officer.
May I be the first to congratulate you on your covert skills? In the five or so years I have lived in St Mary's Crescent , I have never seen you. Do you hide up a tree or have you gone deep undercover and infiltrated the gang itself? Are you the one with the acne and the moustache on his forehead or the one with a chin like a wash hand basin? It's surely only a matter of time before you are head-hunted by MI5 to look for Osama.
Whilst I realise that there may be far more serious crimes taking place in Bodmin, such as smoking in a public place or being Christian without due care and attention, is it too much to ask for a policeman to explain (using words of no more than two syllables at a time) to these !!!!! that they might want to play their strange football game elsewhere.
The pitch on Fairpark Road , or the one at Priory Park are both within spitting distance as is the bottom of the Par Dock, the latter being the preferred option especially if the tide is in.
Should you wish to discuss these matters further you should feel free to contact me on <???????>. If after 25 minutes I have still failed to answer, I'll buy you a large one in the Cat and Fiddle Pub.
Regards
?????????
P.S If you think that this is sarcasm, think yourself lucky that you don't work for the sewerage department with whom I am also in contact !!!

Greenbynature

Hi all and hi to any newbies :wave:

Great total for yesterday everyone well done :T and thanks purple for the adding up :T

DS2 and his girlfriend have gone to New York today for 6 days and am feeling a bit jealous :rolleyes: wish I was going!

Millie has been a little git last night and today - it was raining last night and she wouldn't go out to go toilet (that's me being polite ) and she's peed and poohed in the house!!! :mad::mad: She actually sat in front of me and peed just after I'd washed all the floors I could cry! Day off work and what have I done with it??? hmmm cleaned wee and pooh up for most of it :mad: Oh well the little darling is asleep now!!:rotfl:It's worse than having a toddler!


pad today is £20 to kays and £2 to cap1 cc

£22

boysma

sashybo wrote: »

I'm in a grump tonight and I don't even know why. Refused to go out with the OH when he was going out to visit a colleague to do them a favour. Just can't face meeting people I don't know tonight - yes I'm a weirdo.

Dont worry we all feel like that sometime, actually i feel like that quite a lot:D There's always tomorrow:A

cashless_wonder

Broke a tooth at work today - next Friday is going to pricy as I'm getting it recapped - RATS !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Anyways 92p to various tins please . . .

jo41

Hi all,
dashing in and dashing out.
£20 please purple to OD and visa.
Hope alls well,
Jo x