My Debt-Free-Wannabe Diary

DontDoDebtKids

Letter posted.

And I stopped by at Tesco to gobble up petrol at 82.9p

DDDK

DontDoDebtKids

Spending Diary

£3.00 lunches at work
£1.50 lottery
£13.97 xmas present
£1.00 recorded postage (FD charges letter)
£38.92 petrol
£20.00 Dinner
£55.00 Christmas Dinner in London (end of Nov)
£17.50 Book on ebay to resell on Amazon for £45
£12.98 xmas cards
£12.99 vase
£4.99 xmas present

Total: £181.85

Crickey - I didn't realise I'd spent that much this week... :eek:

DontDoDebtKids

Received current account (& credit card - pah, binned that) application form from Nationwide this weekend so filled it in and have given it to gf to take to branch today at lunchtime.

I wonder how well they will transfer all our direct debits?

We have two standing orders from our main bank accounts paying in our contributions on the day we are paid - we'll need to change them ourselves

Our ISP charges us using a debit card for the account so I'll need to change that or get them to set up a direct debit.

Other than that we have 7 direct debits for them to move....:eek:

Wish us luck!

gallygirl

DontDoDebtKids wrote:

Spending Diary

£3.00 lunches at work
£1.50 lottery complete waste of money, unless you are one of the uk euromillions winners in which case :kisses3:
£13.97 xmas present
£1.00 recorded postage (FD charges letter)
£38.92 petrol
£20.00 Dinner
£55.00 Christmas Dinner in London (end of Nov)
£17.50 Book on ebay to resell on Amazon for £45
£12.98 xmas cards how many friends have you got:eek: :eek: :eek: :eek:
£12.99 vase tut tut, awaiting next week's diary '£20 flowers' entry......
£4.99 xmas present

Total: £181.85

Crickey - I didn't realise I'd spent that much this week... :eek:How much did you think it would be? No idea - then SPENDING DIARY for you!!!!!!

DDDK yet again you are a very, very naughty boy. 30 minutes on naughty step for you again (on second thoughts, maybe you should stay there all week - might stop you spending....):p

DontDoDebtKids

ali007 wrote:

DDDK yet again you are a very, very naughty boy. 30 minutes on naughty step for you again (on second thoughts, maybe you should stay there all week - might stop you spending....):p

Not doing very well at this am I?

PS I didn't win the lottery

DontDoDebtKids

DontDoDebtKids wrote:

Just phoned Capital One and closed my credit card!

Apparently (!) as they are refunding such a large amount of money it will take 21 working days and they are sending me a cheque. Oh well!

They "don't have the facilities" to transfer directly to a bank account. What rot! They just want to have 21 days worth of interest.

Now I twiddle my thumbs until 16 November :mad:

Grrrr closed my account on the 18th and haven't received my cheque yet. Have phoned Capital One just now to complain and the chap said he will send them a message to hurry up. :mad:

They'd better! I want my money.

DontDoDebtKids

Egg Payment went today

Debt Totals

M&S: £7018.58
Egg: £6365.83
Capital One: £5098.12CR
Lloyds: £1880.06
Amex: £5594.31

Total: £15,760.66

DontDoDebtKids

DontDoDebtKids wrote:

Letter posted.

And I stopped by at Tesco to gobble up petrol at 82.9p

DDDK

Note to self: must post LBA on 29th November!

Got a letter through from First Direct saying thank you for your letter. Grrr. Just give me my money!

DontDoDebtKids

Hi all,

Still here! Need to send LBA but can't now until Friday.

Will put on my spending diary for this week on Friday too it looks like as have to dash.

Also, still no cheque from Capital One. There really are sods. I might see if I can get them to pay quicker by threatening to charge them interest and perhaps some £12 late payment fees? I'm not joking either, the amount of time they've taken. I'm really annoyed!

DDDK:mad:

DontDoDebtKids

DontDoDebtKids wrote:

Grrrr closed my account on the 18th and haven't received my cheque yet. Have phoned Capital One just now to complain and the chap said he will send them a message to hurry up. :mad:

They'd better! I want my money.

Phoned them again just now. Apparently the cheque is now waiting to be approved and will be posted once it's been approved. :mad: :mad: :mad: :mad: :mad:

Not pleased.

I will give them another week and then I will phone and keep getting escalated up the food chain until they tell me either when the plan to send the cheque or send it to me electronically.

They are right pains. I forgot to mention that I want to charge them interest and that I didn't really want to have to take them to the small claims court...