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

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  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Give it a go, I was amazed I actually got accepted!
    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
  • **Kat**_2
    **Kat**_2 Posts: 969 Forumite
    Well done!! That's awesome. I would have been way too chicken to try :) xx
    Loan - [STRIKE]£6991.95[/STRIKE]£6180.01; Barclays Res - [STRIKE]£600[/STRIKE] £0 - £22 per week :eek:, NWB Grad O/D - [STRIKE]£1185[/STRIKE] £887.86 18.28% SWALEC - [STRIKE]£700[/STRIKE] £0 NPOWER [STRIKE]£220[/STRIKE] £0 Kays - [STRIKE]£591.28[/STRIKE] £0 TOTAL DEBT - [STRIKE]£10,288.23[/STRIKE] £7,000.01 31.96 % Paid off. BS Fund - £1 Savings Fund - £41.17 % Challenge Member 1
  • LittleMoog
    LittleMoog Posts: 2,392 Forumite
    Yay! :D Can we have a closing Lloyds account party? I'll bring the cake :D :bdaycake:
    Little monkey born November 2012:j
    Froglet due March 2016 :D
  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    yay to getting the LOB transfer that will help you so much! i'm so pleased for you.

    my wisdom teeth were impacted when they started coming through so i went into hospital and had all 4 removed at once, even though only one was pushing through. Didn't have any other problems thank the lord but the toothache was unbearable!
  • ExTrolly101
    ExTrolly101 Posts: 79 Forumite
    Woo Woo

    I have spent 3 days reading your diary. I have laughed cried and worried and most of all never ceased to be amazed at your grit,determination and resourcefulness!

    Well done, you have acheived so much!

    On the boyfriend front, from personal exerience and that of very close friends a long term relationship finishes and then you find someone new it ends up being the one!! Keep us posted!

    I have been down the debt busting route some years ago. I was 22K in debt and really nothing to show for it. My OH threatened to divorce me and I got advice from the CCCS. They wanted to set up a payment plan, I didn't took on 2 other jobs plus full time and cleared it.

    I've now got a bit of debt which needs addressing, I've not been well and am not working at the mo so the money that comes in is juggled. After a year of burying head in sand need to sort out a budget. I know what can be cancelled and I have a general idea of what goes in and out. I'm having a running battle with the Halifax as their mobile alert system does not work. It's very much like a lengthy correspondance course. Feel very much about them like you do about LLoyds, but lets face it they are related! I'm going to subscribe to your diary and I'll read on with interest and admiration!
  • ebayqueen_2
    ebayqueen_2 Posts: 1,175 Forumite
    Morning Woo
    So pleased for you getting the mbna card. Things are really looking up for you. You will get it paid.:j:beer:
    Take care
    E
    "You are never too old to set another goal or to dream a new dream" :) C. S. Lewis
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Woo Woo

    I have spent 3 days reading your diary. I have laughed cried and worried and most of all never ceased to be amazed at your grit,determination and resourcefulness!

    Well done, you have acheived so much!

    On the boyfriend front, from personal exerience and that of very close friends a long term relationship finishes and then you find someone new it ends up being the one!! Keep us posted!

    I have been down the debt busting route some years ago. I was 22K in debt and really nothing to show for it. My OH threatened to divorce me and I got advice from the CCCS. They wanted to set up a payment plan, I didn't took on 2 other jobs plus full time and cleared it.

    I've now got a bit of debt which needs addressing, I've not been well and am not working at the mo so the money that comes in is juggled. After a year of burying head in sand need to sort out a budget. I know what can be cancelled and I have a general idea of what goes in and out. I'm having a running battle with the Halifax as their mobile alert system does not work. It's very much like a lengthy correspondance course. Feel very much about them like you do about LLoyds, but lets face it they are related! I'm going to subscribe to your diary and I'll read on with interest and admiration!

    Hi

    I can't believe you spent 3 days reading my diary! Its mostly full of me moaning about Lloyds I should think!

    The boyfriend is certainly a keeper, lets hope he thinks the same about me :rotfl:

    Well done for clearing your previous debt, its amazing what we can achieve with pure determination. I'm sure you will get things sorted again once you get a budget in place.

    Keep talking to everyone on here, they are great motivation 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
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    ebayqueen wrote: »
    Morning Woo
    So pleased for you getting the mbna card. Things are really looking up for you. You will get it paid.:j:beer:
    Take care
    E

    Morning E

    I can't tell you how thrilled I am, but I'm sure you can imagine!

    Are you well? 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
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    £1.68 to Lloyds.
    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
  • ElmerFudd
    ElmerFudd Posts: 444 Forumite
    edited 3 June 2011 at 9:29AM
    Woowoo wrote: »
    Give it a go, I was amazed I actually got accepted!

    Only problem is I applied for an MBNA one fairly recently and was rejected. Now I keep getting stuff through the post about Vanquis. Didn't think my credit rating was that poor!!
    6 months may have passed though so I should check and maybe give it a go.

    Have you updated your signature? :)
    Debt at worst: £33000 (Feb 2011). Present debt: £25610 (Apr 2012)
    Lloyds old (22.4%) = 560 (Dec 2012)
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