My debt free diary

clippy_girl

hey to subscribe you need to click 'thread tools' it si at the top of the posts. them pick what subscribe option you want.

to update your sig you go to user cp on the very top bar then edit signature. that reminds me, need to update mine with todays mystery shop

girlracer

Thanks clippy_girl i did try to thank you by pressing the button but everytime i do it logs me out
will try again later, your help is gratefully appreciated

well another day, and why i was up at 6am, i dont
still its given me a chance to get cleaned up and ready for action as i prepare to go and buy the kids school uniforms, thought i had it all covered till my eldest reminder me they need p.e kis as well, duh silly mum.
went on the job sites this morning and got really depressed by it all tbh, so will wait till later to have a proper look
waiting on letter from college to see if i got my funding, really neeed it, so i can get my textbook and overalls
selling my kitten later, going to upset the kids but the older cat is literally pulling his fur out, and getting very stressed out

speaking of kids, think i will go and wake the lazy bums up now
have a great day fellow mse's

girlracer

Just did a quick check and got 7 searches coming of my credit report this month
and a ccj end of september yay ... much excited lol will start to look a bit cleaner and better

1 search 1 default of in october
1 searh of in november
2 searches in december and a default
default in jan 2011 along with a search ( sorry this is more for my records, quite boring reading for others)

thats all i will list atm
glad there coming off though, and they all got paid

xx

girlracer

Well my vanquis card turned us this morning, i have activated and i have decided i am going to spend £20pcm on it and pay it off in full every month, i am going to be very strict with myself, as i need to get my credit rating up
the limit is £250 which is what i expected

I have got the kids school clothes except their shoes, and dang i still forgot about p.e kits
( dont worry its not going on the cc )

listed more on ebay after having a quick nose in the shed, hope it sells cos then i will be able to reach the stuff at the back of the shed he he

kids on the wii so i am off to look for a job in a mo, also need to chase up the college and find out bout if im getting help with childcare and financial help when i start my level 2 in sept
just bout a shirt i need for the course a fiver ... bargain

well of i go job hunting
wish me luck
xx

girlracer

Finally got round to sorting my equifax credit report, its not set out as well as experian so couldnt make sense of it until i really looked atit, might just be me

so on equifax again lots of searches but they come of in a year so not too concerned at the moment
have written equifax a letter to remove the financial association between me and the ex, we have never had credit together so how do they create the link ?????
and disputing two things on my credt account information
my name, but not my d.o.b ????? confused

ok so defaults coming off
june 2012
june 2015
march 2014
september 2012
may 2014
jan 2011
july 2013
aug 2012

ccj
feb 2012
sept 2011

dear oh dear
think i will wait till all the bad stuff comes of my expeian then get my equifax report again when experians cleared

on the plus side of things a few more sales on ebay
although alot that hasnt sold maybe try the local paper and gumtree to advertise them
disappointed that college havent even begun to look at financial help for me for sept yet !!!

Right im off to re list and list again
ciao for now
xx

girlracer

oh yes forgot to add, i opened my sealed pot today and paid £73.00 into my savings account, got a bit worried bout having so much money in the house, i know its not an enormous amountbut feel better its not in the house

girlracer

Well got my days for college
Monday ... 9am - 4.30pm
Tuesday ... 9am - 4.30pm
Wednesday .. 9am- 12.15pm

bit gutted its that many days cos it makes my job hunting so much harder now,
the ex is viewing a house today, i am hoping he sorts hisself out cos then i can work weekends and thursdays and fridays.
i am thinking about doing 15 hours then i can still get my benefits
i mean i did want to come of benefits completely but cos of my college days, doubt i will be able to do that now and find a job with enough hours to keep me financial ok, will have to wait and see what happens

going to post my letter to equifax today r.e incorrect info, and suppose i better go and pay the tv licence i was ment to pay a few days ago, i just feel so unwell at the moment and im not a good person to be around when i ill

will post again soon
nicola

girlracer

Just need some advice, if anyone can give it to me to me
on my credit report, i have two credit agreements set up, however they are showing that i have no credit limit, i have spent nothing and i owe nothing
how do i get them removed?
i dont know why they are on there, and surely they can be removed if i didnt have credit with that company in the first place!

who do i contact .. the credit agency or the company that registered the information ?
thanks in advance

girlracer

Apologise in advance for this one, but i need a rant and let of some steam
Just so angry at the moment, my ex, who i split with because of dv, has come back wailing that he loves me etc etc blah blah blah heard it all before he will change etc etc, but i have told him straight that yes i wantim to have a relationship with the kids ( he has never harmed the kids and i trust 100% that he wouldnt ) me and him getting back together is not an option, but he still thinks i want to know, how he feels .. what about how i feel after 10 years of arguments, accusations and violence
anyway hes taken to cutting my name into his arms and i have told him that its not going to work and i think he is an a hole for doing that

ie told him im not happy in myself ( very hung up over my personal appearance )
basically i let myself become a tramp in that i couldnt be bothered to wear nice clothes, or do my hair etc etc, and im trying to get back on track because im only 25 but feel so much older
so im planning a few things to get myself sorted
i ordered some clothes that came yesterday and they look really nice, and im going to treat myself and get my eyebrows and hair done
also got an appointment with dentist on monday, so going to ask for bridges i think there called to replace two missing teeth at the back ( god i sound dreadful ) lol
but i know that the little things i do, will make me feel so much better about my self
he says im beautiful and i dont need to change, but obv im unhappy so i got 2 do something about it, for my own self confidence
i think personally hes worried i may start looking better and find someone else
but its for me
planning to go back to gym in september when kids are back and im not at college

applied for a job at sainsburys and amazingly the position i applied for fits so nicely around my college hours i think it could be fate lol
but anyway, yes, defo gonna start looking at ways to improve myself, i take so much pride in my home being clean, but need t spend time taking care of me
really looking forward to starting college
have ordered my books and the college is going to reimburse me, so thats good.

sorry about the long post, i feel better now ive written it down, attempted to sleep once and got back up again because it was playing on my mind so much

the book i ordered for college i paid for on my vanquis card, it was £21.75, so thats the money on that spent for this month, then i will clear the balance when my statement arrives
still deliberating over wether to move house or not cos of my ex, but i dont know, think he will find out anyway, aand the girls have had enough upheaval in their lives.

well again my apologies for another long boring post
but i think im ok to sleep now, and look at this again in th morning and think, why did i bore people with that lol
nevermind

night all

xx

Debt_Doll

Girlracer, hope you dont mind but I have subscribed to your diary not in a nasty stalkerish kind of way just cos I found it interesting.

I laughed when I read about your dealings with TSB (they are muppets and thats just being polite) I have been their customer for 15 years now and though my credit report is far from perfect they really let you know that you are lucky to be with them and have a "normal" bank account

I wish you all the luck in the world in finding a new job and am sure one will pop up when you least expect it