Old geezers and gal's close to retirement on dmp's.!!

nanna58

Morning:j
Keep on going elsie we are all with you :Ti am seriously thinking if doin same with b card as when i took it out it was with monument so i do not remember signing cca with bc. trouble is i do not understand what i am getting into .:eek::eek:
Still poorly sick came back from work yesterday and not going in to day so ill ring them soon and ask to use a days hol so as not to loose money.:(

mrsinvisible

elsie52 wrote: »

Good morning everyone,

Its my day off again today, the sun is shining and the washing is already in.

Hair appointment this morning, (ready for my holidays)!! which are now looking more and more unlikely. We should fly next Tuesday, but we are not holding out too much hope at this stage. Typical.!!:(

Creditors should receive our letters today, so from now on we will be bringing up the drawbridge at all times, !! :eek::eek: I have got a new file for each creditor ready for the fan mail when it arrives.:) I still havn't worked out how to load images on here, well, I have but on the posting rules box at the bottom of the message reply box, it says "You may not post attachments" has everyone else got this in their Posting rules box.

Elsie they reckon the planes will be ok from today, so hpefully you'll get away ok.

mrsinvisible

nanna58 wrote: »

Morning:j
Keep on going elsie we are all with you :Ti am seriously thinking if doin same with b card as when i took it out it was with monument so i do not remember signing cca with bc. trouble is i do not understand what i am getting into .:eek::eek:
Still poorly sick came back from work yesterday and not going in to day so ill ring them soon and ask to use a days hol so as not to loose money.:(

Sorry you feel poorly Nanna,:( sucks that you have to use holiday to be ill. :(Have a piece of virtual cake and lots of scrummy hot chocolate with sash's swiss stash

nanna58

Mrs i thats afab idea.:T ooooh it tastes good would you like sum toast with cheesy spread on?:):)

nanna58

Elsi you will have the hol :j ILL DRIVE YOU THERE MYSELF:D:D

elsie52

nanna58 wrote: »

Morning:j
Keep on going elsie we are all with you :Ti am seriously thinking if doin same with b card as when i took it out it was with monument so i do not remember signing cca with bc. trouble is i do not understand what i am getting into .:eek::eek:
Still poorly sick came back from work yesterday and not going in to day so ill ring them soon and ask to use a days hol so as not to loose money.:(

Awww....hope you feel better soon nanna......stay warm, watch telly, have plenty to drink...lol water.....ugh..

Well, basically, if you go along the cca route and it in enforceable....which means you still have to pay....nothing happens, you continue paying as before. If its unenforceable, then you stop payments immediately., I am not sure i they still default you, probably do........if they take ages to reply and it goes into dispute then they will DEFAULT you.....which means that default goes on your credit file for 6 years, and then you won't be able to get credit anymore......

If you read the first few pages on Enforceabilty and Template letters, it explains it, I am only just beginning to grasp it, and probably not very well.!! I just know at worst, it will be defaults on our credit file, and three of our creditors have already done that anyway....But do I want credit in the future....NO.

pure_dead_dopey

Morning All

poorly people should lie on sofa and drink tea and eat chocolate cake, its a law I am sure.
Elsie you are making me ashamed, doing the washing already. I was buying a skirt on Ebay, first time I ever bought anything on Ebay, its by PerUna and I got it for £3.99, bargain!!!
Elsie, the navy are collecting people so if you need to go you could ak them, we could let you take the pole and you could entertain the troops!!!!

sashanut

mrsinvisible wrote: »

Sorry you feel poorly Nanna,:( sucks that you have to use holiday to be ill. :(Have a piece of virtual cake and lots of scrummy hot chocolate with sash's swiss stash

Hi all :j I have been here, reading but not posting, too busy with a DD crisis (the usual, exams due, work due in, not done it, too much partying etc etc cue tears). Hopefully a bit better now & at least she's back in Manc:eek: Beleive it or not the Swiss stash is still there - unopened - so you are welcome to it, as long as it stays that way I won't touch it.

Good luck to Elsie on her new quest - WTG gal let us know how you get on. Am feeling free today as DH has gone down to London for a meeting - as we are paying for the fare, he has to stay down there until after the rush hour so not back for about 12 hours :eek: He did remind me that last time he went, a couple of years ago, we were on our a$ses & he couldn't even afford a cup of coffee whilst he was hanging about. Not that we are rolling in it now, but I did pack him up some snap:rotfl:

nanna58

In no way am ibothered about getting credit in the future. bin there done that. the only thing i think sometimes tho is if kids need anything urgently it was always a standby never mind there is always a way round i suppose.
but it does read complicated to me.:eek::eek:

i have been drinking water for 4 days.:eek: now its time for the hard stuff tea ,coffee,
choc, gin, whisky, vodka etc.......:rotfl::rotfl:

elsie52

mrsinvisible wrote: »

Sorry you feel poorly Nanna,:( sucks that you have to use holiday to be ill. :(Have a piece of virtual cake and lots of scrummy hot chocolate with sash's swiss stash

nanna58 wrote: »

Mrs i thats afab idea.:T ooooh it tastes good would you like sum toast with cheesy spread on?:):)

nanna and mrsi...I'm not poorly, but can I have some too.:D

pure_dead_dopey wrote: »

Morning All

poorly people should lie on sofa and drink tea and eat chocolate cake, its a law I am sure.
Elsie you are making me ashamed, doing the washing already. I was buying a skirt on Ebay, first time I ever bought anything on Ebay, its by PerUna and I got it for £3.99, bargain!!!
Elsie, the navy are collecting people so if you need to go you could ak them, we could let you take the pole and you could entertain the troops!!!!

Bargain skirt PDD...well done.

Yes, perhaps we could all go and entertain the troops.....move over Vera Lynn.:T:T