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My Debt-Free-Wannabe Diary

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  • DontDoDebtKids
    DontDoDebtKids Posts: 911 Forumite
    Hi all,

    I don't think I should "cheat" by selling my flat and paying off my debts. I've never liked the idea because it robs you of the feeling of conquering your debt. It means that the debt just disappears and I'm not sure that the lesson will have been learnt!

    Instead I am seriously considering re-investing the money I make from selling my flat and to then keep paying off my debts as currently by the end of the year.

    DDDK
    LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
    Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
    Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
    Debt Free Date: 31 August 2007
    The £2 Coin Savers Club = £72
    Reclaiming my bank charges - £105 reclaimed
    My Diary: http://forums.moneysavingexpert.com/showthread.html?t=230561
  • DontDoDebtKids
    DontDoDebtKids Posts: 911 Forumite
    Spending Diary

    59.55 lunch with friend
    8.97 tulips (for val. day)
    35.26 petrol
    2.02 lunches at work
    10.96 books (6.97, three books, as presents)

    Total: £116.76

    All within budget, honest! I did try to get out of the lunch but it serves me right for agreeing to it in the first place. At least next time I won't have to pay...
    LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
    Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
    Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
    Debt Free Date: 31 August 2007
    The £2 Coin Savers Club = £72
    Reclaiming my bank charges - £105 reclaimed
    My Diary: http://forums.moneysavingexpert.com/showthread.html?t=230561
  • DontDoDebtKids
    DontDoDebtKids Posts: 911 Forumite
    Right, I've been going through my budget to "trim" it a bit and to make sure everything is accounted for. I've calculated how much "surplus" I have by the end of the year and will try to feed as much surplus at the end of the month back to my debt payment account as I've had to "lend" my spending account quite a bit of money lately as it appears most of my bills arrive at the beginning of the year!

    I'm also being sorely tempted by a new laptop and have been cruising ebay - a bad sign - but the price is climbing steadily so I don't think I'll be able to afford it anyway. I've now reduced my "gadget" budget too, so I don't have the money to spend anymore.

    I will stick to my budget!
    LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
    Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
    Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
    Debt Free Date: 31 August 2007
    The £2 Coin Savers Club = £72
    Reclaiming my bank charges - £105 reclaimed
    My Diary: http://forums.moneysavingexpert.com/showthread.html?t=230561
  • DontDoDebtKids
    DontDoDebtKids Posts: 911 Forumite
    First Direct

    Sent off my letter to First Direct asking for £30 back in bank charges from my Joint Account. This is the last lot as I can't find any more. Hopefully they will stay true to form and just give me the money back. They must be a little annoyed with me for not just claiming it all back in one go but, hey, I'm only being as helpful as they were :rotfl:

    Not heard back from them yet! I have to send the follow up on Friday - must remember...
    LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
    Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
    Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
    Debt Free Date: 31 August 2007
    The £2 Coin Savers Club = £72
    Reclaiming my bank charges - £105 reclaimed
    My Diary: http://forums.moneysavingexpert.com/showthread.html?t=230561
  • DontDoDebtKids
    DontDoDebtKids Posts: 911 Forumite
    Hi all,

    Written and posted a complaint letter to Halifax over the £100 incentive for opening a high interest current account debacle!

    I have also asked them to close my "cardcash" account.

    :p to you HBOS plc.

    DDDK
    LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
    Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
    Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
    Debt Free Date: 31 August 2007
    The £2 Coin Savers Club = £72
    Reclaiming my bank charges - £105 reclaimed
    My Diary: http://forums.moneysavingexpert.com/showthread.html?t=230561
  • DontDoDebtKids
    DontDoDebtKids Posts: 911 Forumite
    Was sorting through statements to figure out how much I actually spent doing up the flat and it's quite a big number...

    But anyway, I had a look through my statements and found, in my old long cancelled Halifax credit card that I had been charged £25 for going over my credit limit...

    I smell another bank charges letter!

    I couldn't, however, look at all my old Egg credit card statements as they WERE all online :mad: and I never printed them...

    Can I get them in any way?
    LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
    Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
    Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
    Debt Free Date: 31 August 2007
    The £2 Coin Savers Club = £72
    Reclaiming my bank charges - £105 reclaimed
    My Diary: http://forums.moneysavingexpert.com/showthread.html?t=230561
  • ZTD
    ZTD Posts: 24,327 Forumite
    DontDoDebtKids wrote:
    I couldn't, however, look at all my old Egg credit card statements as they WERE all online :mad: and I never printed them...

    Can I get them in any way?

    Write to them under the data protection act asking for all their records they have on you. There is a statory fee of £10.
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."     OMD 'Julia's Song'
  • DontDoDebtKids
    DontDoDebtKids Posts: 911 Forumite
    The PPI demon lurks again...

    I bought a dishwasher and a fridge from Comet and Currys respectively back in 2003.

    I was just looking at the paperwork to figure out how much they had cost, again to put into the figures for my flat, and I'll be damned but I think both of them put PPI on top of both loans!!!

    I hadn't even realised.

    I feel another two letters coming on but I'm not sure how to exactly figure out who to write to. I guess I'll write to HFC and Comet Time Card first off.

    Grrrrr :mad:
    LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
    Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
    Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
    Debt Free Date: 31 August 2007
    The £2 Coin Savers Club = £72
    Reclaiming my bank charges - £105 reclaimed
    My Diary: http://forums.moneysavingexpert.com/showthread.html?t=230561
  • DontDoDebtKids
    DontDoDebtKids Posts: 911 Forumite
    DontDoDebtKids wrote:
    The PPI demon lurks again...

    I bought a dishwasher and a fridge from Comet and Currys respectively back in 2003.

    I was just looking at the paperwork to figure out how much they had cost, again to put into the figures for my flat, and I'll be damned but I think both of them put PPI on top of both loans!!!

    I hadn't even realised.

    I feel another two letters coming on but I'm not sure how to exactly figure out who to write to. I guess I'll write to HFC and Comet Time Card first off.

    Grrrrr :mad:

    OK I've checked again and I don't think the Timecard rubbish did PPI me, but the HFC paperwork indicates that PPI was "chosen"!!!
    LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
    Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
    Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
    Debt Free Date: 31 August 2007
    The £2 Coin Savers Club = £72
    Reclaiming my bank charges - £105 reclaimed
    My Diary: http://forums.moneysavingexpert.com/showthread.html?t=230561
  • DontDoDebtKids
    DontDoDebtKids Posts: 911 Forumite
    ZTD wrote:
    Write to them under the data protection act asking for all their records they have on you. There is a statory fee of £10.

    Anyone got a suggested/recommended way of writing this?

    DDDK
    LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
    Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
    Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
    Debt Free Date: 31 August 2007
    The £2 Coin Savers Club = £72
    Reclaiming my bank charges - £105 reclaimed
    My Diary: http://forums.moneysavingexpert.com/showthread.html?t=230561
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