Day 1... where will it lead

LexieLou

Hi,

I'm here and shattered. I will update all tmmw. Have had to dip into my OD and have used most of it!! AAAGGGHHH. I will be able to pay it back, just not sure when.

Ziggles, I will reply...you are so funny.

I'll also update all PAD's.

Off to bed, well I'm actually watching 'Hung' on Channel 4. So funny. If only we could all pay off our debts that way.

Night all.

LL xx

LexieLou

Haven't been here in ages, Things are a bit of a nightmare at the min. I had to dip into my OD for stock, so i'm not really going to hit my target of £1500 by April. Which is annoying me. But i'll do my sums tmmw and I'll post the updates. I know it will be paid back, but it's still niggling me, plus I've loads of ebay stuff to do. OMG it's all happening at once and I'm so lazy at the min.

Chat soon.

LL xx

LexieLou

I'm back.

I've been off the radar for ages, been off the plan too. Mad, mad, mad....but I'm back and hitting this with a vengence.

So 3 CC bills are in. Off to pay 2 tmmw. £250 on each. Would love it to be more, but looks highly unlikely this month. Pity though.

Have a few things to list on ebay, but no motivation to do so.

I've taken all items off amazon as there is no money to be made. Postage costs are stupid. Think I'll give the items to charity as they are girlie reads that you can pick up at next to nothing in shops.

So, a few things to do tmmw. Like reclaim CC costs. Have to do that. Been avoiding it for ages. Pure laziness on my part.

Off to bed now.

Lots of love from the lost one.

LL xx

LexieLou

I'm back again.

Paid £545 on CC's today. Updated my loan signature, and I also found out today that if you have a barclaysCC you can also pay your other CC bills free of charge. So jammy, that saves me a fiver every month.

Right off to bed as I'm at work tmmw.

Night.

LL xx

ziggles50

hiya
just popping on to say hi. Been rubbish with money and life but hoping to get back on wagon soon.
hope you're ok!

LexieLou

Hi Ziggles,

How are you? Ive been off line as my wee computer needed fixed and was away for ages. I too have been useless with money, defo need to log onto this every day to keep on track. Bit like weightwatchers only not loosing any weight.

I'm going to do my reclaim letters today, as I'm faffing about too long and could have them done 20 times over since I started talking about it.

I will be back later, as I need to get back on track.

Lots of Love,

LL xx

LexieLou

Right back with a vengence,

So sat on Tues night and wrote letters to all current CC providers.

all of them I asked for a signed copy of my cca. Tesco had already sent it but the date was missing.

Capital One I also asked them for all PPI charges and late payment fees back it comes to just over £1100 in total. We shall wait and see what the outcome is.

All others it's a waiting game until the info comes through with the statements as I am missing some. Typcial isn't it.

Two of the letters have been received by the CC companies so the 40 days is well and truly underway.

Tonight I'm off to ask all my other previous loan providers for the money back. slightly more long winded as I need to tell them I've moved address etc. Such a nightmare but hey one has already bee fined by FSA.

So that's me for tonight, I'm off to bury myself in paperwork. I might actually get to the mission to write off my debt asap.

I also am making it a mission to update my diary every day, it's mental thing to say, but not actually writing in this diary means my spending habits are not in check. Make sense?

Off to be a book worm and write more £10 cheques.

Night.

LL xx

LexieLou

Quick update.

Got a letter today from C One saying they'd received my letter and that they were investigating the matter, should hear from them in 4 wks. Very impressed. Didn't even expect to get an acknowledgement let alone a letter with an update granted it's a system generated one.

Paid all cc today, only min amounts this month as I am so skint, but at least they are paid and out of the way.

To do list is still huge and ebay pile is calling me.

Off to bed as I'm shattered and have a thumping sore head.

Night

LLxx

LexieLou

It's Thurs and I feel down, really down. Like can't be arsed down. It probably has something to do with the fact that I only made min payments this month to my cards as I am so absolutely skint. It also probably has something to do with the fact that I can't ever see a way out, well I can but it'll take ages, and I would love to be able to afford my own home and that appears never to happen in the distant future. Oh I'm just whinging.

I so need to get back into ebaying, been really lazy about that.

I also need to start a PAD again

I also need to set up a budget for May and stick to it. Spent about £4 today on junk food, you know it's literally just squandered.

So I can mope about for the rest of tonight, or I could get my backside into gear and get some more PPI letters off. Plus I also need to get to bed early as I have a lot on at the min and I can't afford to mess up. Especially as I borrowed money from my OD and sneaky cash stash for stock and really, really want to pay this back.

So that's me, back with avengence and whinging about being skint.

Onwards and upwards.

Till tmmw.

Lots of Love

LL xx

LexieLou

I did an update on Sun night and just as I was finished my internet stopped working. All signatures are updated and I'm about to do my PAD.

One of my letters hasn't got to Tesco...bloody Royal Mail, and it was sent signed and recorded, you'd think that they'd make an effort to make sure that those letters would get to their destination. Maybe I ask for too much?

I will have to re do the letters tmmw and send them off. It also means cancelling cheques. Nightmare, nightmare, nightmare.

I have to following to do's for this week
1. list remaining items on ebay
2. send off reclaim letters to:
a. Egg, Loan and CC both now finished
b. Citi cards - now closed
c. creation financial services - now closed
3. do books
4. reduce my coke intake to one can a day
5. chase up free gift on magazine subscription that has never appeared, since Dec!!!
6. make a conscious effort to log onto MSE every day
7. make appointments for dentist (me and junior)
Think that is all for now. Defo want a another baby and want one in the next 2 yrs, so need to get all back on track and stop faffing about.

So that's it.

Till tmmw.

Night LL xx