Frightened about my future

di3004

Good morning everyone :j

niddy that is fab, thank you.:T:beer:

Ummmmmm.....yeah your right I do not make it easy , I can be a right pain in the you know what:eek::rotfl::rotfl::rotfl:.

Your a Star, will be getting on with this shortly, thanks again

nanna58

mr knopfler fantastic my fav group " money for nothing" mmmmmmm:beer::beer::beer:

jinny

nanna58 wrote: »

mr knopfler fantastic my fav group " money for nothing" mmmmmmm:beer::beer::beer:

well wadya expect like hes from newcasel like:D

pixiechick_2

Could definitely do with some money for nothing nanna

Romeo and Juliet was my favourite...or it could be Private Investigations...or all the lot because they were great!!!!

jinny

hiya bank lackies see ya woundnt wanna be ya:wave:
Now get back to work and make some more fat bonus's for yer bosses!!!!!!!

pixiechick_2

never-in-doubt wrote: »

Pixie,

But seriously, people don't realise just how much they learn about the processes and how much they are in control by spending a day reading the thread - glad you have done so, it'll (hopefully) make you feel more at ease, knowing that there really isn't much the lenders can do to you - regardless!

You're right (as ever) Nid. Reading through it did put me far more at ease so it was time well spent.

I'm particularly annoyed at one credit card company - I've paid on time for years and the first time I have trouble they refuse lowered payments and give me a default - after ONE missed payment!! :mad:

jen_br

EEK I have Nids LLoyds letter in hand and about to go post it recorded delivery of course

Very nervous and feeling kinda sick to the stomach.

never-in-doubt

pixiechick wrote: »

You're right (as ever) Nid. Reading through it did put me far more at ease so it was time well spent.

I'm particularly annoyed at one credit card company - I've paid on time for years and the first time I have trouble they refuse lowered payments and give me a default - after ONE missed payment!! :mad:

Hiya

They cannot default you after one missed payment - its not possible to follow processes in time, to do that!

Basically the account should be at least a payment (usually 3) in arrears at which point they send you notice of default which should set out the remedies to clear the arrears, by a set date (usually 14 days later) and then they issue a default notice.

It cannot happen from one missed payment, that is wrong wrong wrong!!

never-in-doubt

jen_br wrote: »

EEK I have Nids LLoyds letter in hand and about to go post it recorded delivery of course

Very nervous and feeling kinda sick to the stomach.

Get it sorted you wuss! :rotfl: :rotfl:

They have already read it though, they've been logged in for the last half hour reading the thread, catching up :rotfl:

jen_br

I know they have read it... and I know they are advising me to give in... I have already had a phonecall about advice and a manager from Card Services contacted me this morning!

Im not a wuss just cautious... lol and i think too much for my own good.