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A journey of a 1000 miles must begin with single footstep....
Comments
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glad the second number they came up with was more realistic, i'm always amazed just how little understanding banks seem to have over what they are charging you and how it's calculated0
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The first guy clearly didn't have a clue and was tapping away into a calculator, whilst the second guy just found it on his screen!
I think they need some more training.LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
Lloyds are muppets! In fact all credit card companies are! I cannot wait until my Egg card is cleared this month
Adam's diary - My Debt Diary - The Challenge | LBM May 2010 with £23,343.35 | £16,141.46 to go...
Cleared: £7,369.16 / 30.85% | Current DFD: Oct2012 from Jan2014 | July repaid: £600/£800
Goals: Aug-11 37% | Nov-11 60% | Feb-11 67% | May-12 76% | Aug-12 86% | Dec-12 debt free0 -
Adam that's great to be rid of Egg almost. Who's your next target and how much?LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
I want to be debt free for Christmas 2011.......LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
Thats a normal response from Lloyds giving out the wrong information. Do you think you will make any overpayments so the actual interest comes in under the £100MARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
Looks like Christmas 2011 could be one big party thats what im looking at tooMARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
Thats a normal response from Lloyds giving out the wrong information. Do you think you will make any overpayments so the actual interest comes in under the £100
I should be paying £300 more than the minimum payment, but as this is only a couple of weeks before my next statement date it doesn't seem to make much difference to the estimated interest usually.LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
Looks like Christmas 2011 could be one big party thats what im looking at too
Can you imagine starting 2012 debt free? That would be so amazing.LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
My plan for 2012 is to start on the mortgage as after another year of making these payments im sure i wont miss them anymore then when the mortgage is gone i will feel like a millionaire.
What will your plans be for 2012? How will you spend your extra cashMARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0
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