My debt free diary

girlracer

not happy at all, here i am on the sofa not in bed with DD2
i think kids no when you have a plan and try to scupper it
maybe its because we got so late yesterday and now we cant sleep

girlracer

Well i am up. despite DD2 keeing me up last night, Have just put the washing on, and done a little tidy, its rally cold and windy here today, hope it will brighten up later.
waiting on the postman now, to bring the hb cheque
Just checked tax credits and its gone into my new bank account, just have to wait and see if my i/s goes in thursday then see ya barclays
well, im off to finish getting ready get the kids up and give them some brekky

have a good day all

girlracer

jobs are done!!
Just got to make my bed as DD2 had an accident last night
No hb cheque so rang them, they said it has been sent so should be here tomorrow
wouldve liked to have got that sorted today, but im trying not to get wind up as i threw up thismorning, going to put it down to illness and being stressed out

Had a call from someone from shop direct finance ( Littlewoods )
they believe the entries on my credit was from someone trying to frauduantly obtain credit in my name, and they have deleted the entries from my report. Could take upto a month for them to come off but im in no rush as long as they come off
had a little argument with DD1, dont know whats up with her just lately shes so argumentative, shes upstairs now music belting out, but im not going to rise to it, just let her get it out her system,
well have a friend coming in a couple hours so better go sort my bedroom out etc

girlracer

friend didnt turn up , too busy in town trying to find a dress, oh well
solicitors tomorrow, they changed the time from 11am to 2.30pm
i will be glad when all this over with
So tomorrows plan of action is to, wait for postie with hb cheque . hopefully
go to barclays and pay £110.06
go to mums and drop kids of
go to solictors
back home again to chill
might go and get my overalls still havent got them
think my experian report will be here in a few days as cheque as cleared, glad barclays honoured that, as cheque was sent before they told me account was going to be closed.

once barclays is done i am gonna nail this council tax, then i will very nearly be debt free woo hoo

girlracer

I really am getting so fed up with being treated like an idiot
Solicitors phoned me and said we cant meet this afternoon as she has to go to court so wanted to rearrange for friday
HB cheque not arrived so im on the phone to them now, they picked up after i was on hold for ten minutes
now ive been put on hold AGAIN
because they havent a clue what there doing
All this stress because of bloody barclays

girlracer

Rang HB again as i put phone down on them before because they kept putting me on hold
cheque is coming nextweek ( even though it is due this week )
so going to have to use my i/s to close my barclays account, leaving me with a big fat nothing
dont know what chb are upto either, but i am not going to call them because tbh i cba
im sick of talking to people, who are so incompetent of doing their jobs, i mean how hard is it to change some simple bank details, if the inland revenue can do ( and we all no how stupid they are ... yes i can say that i was a civil servent for a time lol ) then any one can do it
well no plans for today just taking kids to dentist at 3.30pm
hoping my cousin comes up tomorrow, cos boy do i need adult conversation
sick and tired of always being sick and tired

girlracer

Well tomorrow i am paying my i/s into barclays and shutting it down
then i will ave to use my cc to pay my car insurance
i have no other choice, cant afford car to be otr with going back to college
that will take me to over 100 on the cc
grat so much for £20 spend, thats what peoples incompetence does, it messes u up !!
well off to bed, hope my cuz dont let me down tmw, cos had enough of being mucked about

night

girlracer

Been to barclays, paid what i owe, cant close the account, because barclays put a hold on it
WELL PLAYED BARCLAYS WELL PLAYED

Oh well at least its one debt off

Got my cousin coming round tonight mucho excited havent seen him for ages
not much to report
ttfn

girlracer

Just whilst i remember i got my experian report and it appears some things have come off earlier in regards to ccjs and defaults
I know have

CCJ: Due Off .... 08-02-2013
Default: Due Off ... 08-12-2010
Default: Due Off ... 08-09-2011
Default: Due Off.... 22-10-2010

Woo Hoo
Things are cleaning up nicely know, it really does make you feel good knowing all your debts are going ... slowly but surely but disappearing

mandz1

congrats on paying off barclays. youve done really good. and cant believe you have so little left on ur credit report to come off. bet mines a right mess.
have noticed that ur cc is going up tho. be careful as your doing so well now!