Bang...and the debt is gone! (Hopefully!)

MissShoes

21 days til payday

£32.80 on onepoll

£13.96 spent in supermarket- lots of continental meats, milk, cheese, fruit and veg. Just need to buy some sub rolls and satsumas.

Home and done for the week- flat all done apart from bedroom. Looking forward for some downtime and a chillout.

prettypaula

whats next on the defeating debt list then shoes?

PS. i manned up and put my totals in my sig. eep!

MissShoes

prettypaula wrote: »

whats next on the defeating debt list then shoes?

PS. i manned up and put my totals in my sig. eep!

Hey Paula,

next on my hitlist is my LPF visa. The balance is around £200 so I need to calculate how I'm going to get rid but it looks like before Christmas is the goal. Not sure if I can manage it all in one go so may be over November and December paycheques.


Then Ikea

Then Barclaycard

Then overdraft and friend simultaneously

Then I become a saving queen- THE END!!!

I am so PROUD of you for manning up and doing your signature :T:T:T

Now you can watch the figures come tumbling down and we can all cheer you on- well done!:beer:

prettypaula

thanks for being proud!!!! youve come such a long way and i think its awesome

(20 days till payday!!!)

MissShoes

prettypaula wrote: »

thanks for being proud!!!! youve come such a long way and i think its awesome

(20 days till payday!!!)

And now it's 19 days to pay day!

MissShoes

19 days til payday.

Combed through my outgoings already this month and there are huge savings I could have made- no more impulse shopping/last minute presents/very expensive takeaways.

I have to be meticulous next pay month in order to get the first part of my christmas shopping done on budget and in order to save A LOT of money.

Will be a NSD today- yesterday wasn't. Onepoll still at £32.80.

Hoping to make three meals out of the roast chicken I'm cooking today:

roast chicken with roast potatoes and veg
chicken, chorizo and butterbean stew
thai red chicken curry with rice and poppadoms

Then the rest of the meals this week will be:

pasta and meatballs
prawn stirfry
salmon and cous cous with salad
enchiladas (either made with beef mince, pork mince or a combination, depending on what the meatballs are made with)

breakfast is tea/coffee/cereal/toast/fruit

lunches are sandwiches, fruit, crisps and lots of snacks

Have everything I need for this week mealwise.

Also Mr T have deducted around £10 from my clubcard balance so vouchers must be en route. I'm hoping that that, combined with 67p of asda vouchers will mean just a £5 spend on Friday for the next week's shopping.

MissShoes

NSD again

onepoll up to £33.15

Just some chores and some reading for me tonight. Laundry is on and dinner is bubbling away. Washing up and quick blitz of the kitchen. More laundry then a big sort out of the bedroom whilst watching TV.

My credit score has gone up to 564- I'm officially in the poor category (how apt)- who'd have thought I'd be so happy to be poor!!!

Shoes x

MissShoes

NSD again.

£33.75 on onepoll.

Vanquis card showing as settled on creditexpert- waiting for the Dorothy Perkins to do the same. The last date it was updated was 9th October so hoping that tomorrow it'll show a zero balance, settled and my credit score will go up a little!

Creditexpert has also replied to say they are investigating my old paydayloan account which is showing as a balance of £300+ even though it has been settled in full. Again, hope this will happen asap so I can see that it has been done and hopefully the score will go up. Time will tell.

Not much else to report. I am playing with the budget to try and see if I can just pay the LPF visa in full on payday and then save for the car ready for January- I have to have the money ready for January.

Christmas planning needs to be done. ASAP.

17 days until payday.

MissShoes

:mad:

I am fuming. Have heard back from creditexpert regarding my old payday loan. The history of this is I took out a £300 payday loan in 2009. Due to deferring the loan and increasing charges which I couldn't meet, I defaulted in November 2009. The balance at the point of this default was a little over £1k.

I have paid back EVERY SINGLE PENNY- over 3 times the amount of the initial loan.

My first few payments which took the balance down to £800 appeared on my creditexpert. The next 3 payments of £200 didn't show on the creditexpert- the default balance remained at £800- I anticipated that when they received the final payment, the balance would all be wiped out.

In June I receive a mysterious email from this payday loan company advising me that any correspondence I had received from them in the last month indicating that my loan had been paid off in full was incorrect and I still had £200 still to pay. They had transferred my account to a DCA, the account was no longer held by them and I could expect to hear from this DCA.

So in June I finally manage to pay the ultimate payment and eagerly keep checking my creditexpert to watch it update, the balance to zero, the account marked as satisfied etc etc.

Randomly, my account balance was updated to £350 ish on my creditexpert- incorrect- it has never been this amount.

I contacted creditexpert to dispute this. They have replied to me today advising that the payday loan company are standing by the £350 balance amount and therefore the default/account can not be marked as zero/satisfied.

I have just spent an hour trawling through my bank statements to find the dates of the payments I have made. I have found every single payment and the amounts total just over the £1k- the amount of the default.

What can I do?

Grrr

MissShoes

NSD today

£34.05 on onepoll

Spent the day playing phone tennis with creditexpert and payday loan company and DCA. The problem appears to be the fact that they're not talking to each other- I have done all I can so waiting to see the outcome.