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A journey of a 1000 miles must begin with single footstep....

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  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    good luck with your review. We're suposed to have PDR's at work but myself and my team haven't even existed on the system for the past two years, makes you feel wanted :)
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Come on England!!!

    Although I did get USA in the sweepstake at work .....
    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/£40.00
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Why is it my estimated interest on my last Lloyds statement was £124.58, I overpaid by £300 and yet the interest they actually applied on my latest statement was £125.31?

    The only explanation I can think of is because they're robbing scumbags!
    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/£40.00
  • I think you answerd your own question they just love to line there own pockets :D end of i cant wait till i owe zilch they can kiss my boooty x
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
  • misselvis
    misselvis Posts: 285 Forumite
    Energy Saving Champion
    Just wanted to say I stumbled across your diary and just felt it struck a chord with me, good luck with your DF journey you are really focused and just what I needed to read to get me back in the game.
    misselvis proud and in motion - dealing with her debts step by step :)DFW #107
    challenge pay off 6.5k by the end of 2017~ £388/£6500 challenge 1% challenge = 6% of debt cleared; challenge - build up 3 months emergency fund- £0/£6000
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Lol Happy, I can't wait to ring and close my account with the parting line 'kiss my booty'!

    Hi misselvis, keep battling on with it, as hard as it is right now we will feel so empowered to be debt free without the hold of these companies over us x
    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/£40.00
  • mz_grim
    mz_grim Posts: 155 Forumite
    Part of the Furniture Combo Breaker
    Hey Woo, hope things are going ok, lloyds sound like my bank over here I am fighting them over my last statement, as how can you charge interest on a balance that was totally paid of at the end of the month and I have a 55 day interest free period grr, damn commonwealth bank (also know here as the contraceptive bank for many reasons)
    Car Loan [STRIKE]$4471.47[/STRIKE] $1,254.70, CC1 Approx $4900, CC2 $108.00, HECS (student loan) $26,213 Total Debt - [STRIKE]$35,712.76[/STRIKE] $32,475.70
    DFD - September 2014
    Savings: Not smoking pot $397.98 (16/7/10), House Deposit $11,925.24 (16/7/10)
    Savings Total - [STRIKE]$12,013.06[/STRIKE] 12,323.22
    NSD Challenge June: 15/15 July: 9/12
  • misselvis
    misselvis Posts: 285 Forumite
    Energy Saving Champion
    Woowoo wrote: »
    Lol Happy, I can't wait to ring and close my account with the parting line 'kiss my booty'!

    Hi misselvis, keep battling on with it, as hard as it is right now we will feel so empowered to be debt free without the hold of these companies over us x


    sing it "kiss my booty" what a great line which I can't wait to echo to my credit card companies, well done and thanks for the boost up;)
    misselvis proud and in motion - dealing with her debts step by step :)DFW #107
    challenge pay off 6.5k by the end of 2017~ £388/£6500 challenge 1% challenge = 6% of debt cleared; challenge - build up 3 months emergency fund- £0/£6000
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Just had a massive argument with Lloyds and told them they were robbing !!!!!!!s, shaking with anger right now!

    Why does this one have to be my largest bloody balance and I'm stuck with them for at least another year, grr.
    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/£40.00
  • Woo woo breathe it out.. sometimes we just have to accept it but when that day comes when its paid off and ta ta it goes rest assured they wont be retaining your business i stop letting it get me down i just accept it and know one day they will be singing to my tune haha chin up girl and have a coffee :D xx
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
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