Hannah_10's debt-free-wannabe diary.

Hannah_10

Also Westcott/Aviva was wiped out, the benefits overpayment is being payed back, although where I'm up to with that I have no idea and the RAC is going down.

I also haven't taken out any new debts, but I haven't taken out that DRO either.

I just read the electric and it's showing £45.05

Hannah_10

I have fallen off the wagon with this, it's time I got back on it.


Cleared...
[STRIKE]Council tax arrears £161.29[/STRIKE] Cleared
[STRIKE]Empire £131.00[/STRIKE] Cleared
[STRIKE]Yes Insurance (car) £338.23[/STRIKE] Cleared
[STRIKE]Wescot/Aviva £105.12[/STRIKE] Cleared
[STRIKE]Electric arrears £158.85[/STRIKE] Cleared
[STRIKE]Benefits Overpayment £185.97[/STRIKE] Cleared

Being Paid Off...
My Sister £450* Now £270*
Rent arrears £779.28 Now £604.28 or less (needs update)
RAC £71.52 Now £65.56 or less (needs update)
Water arrears £574.35 recent new arangment to repay but might be higher now (needs update)

Not Being Paid Off...
Old Overdraft £2268
Gas arrears £599.03
Moorcroft/Orange £539.65
Barclaycard/Lowells £181 (statute barred)

This makes a total original debt of £6543.29, of which I now have paid £1441.47 (22.03%) and have £5101.82 (77.97%) remaining.

Keeping_Positive

Welcome back xx

keggie

I've just read your diary. I'm really impressed that you've cleared so much debt and in such difficult circumstances.

Really sorry to read about your daughter, our son died five years ago aged 11 and it certainly knocked our finances. What with the treats to try and make things right for our other children and not wanting to focus on how much the outgoings were compared to our income the debts started to build up.

Good luck with your quest to be debt free.

Hannah_10

Updated RAC, and sent my sister another £20, so new totals are:

Cleared...
[STRIKE]Council tax arrears £161.29[/STRIKE] Cleared
[STRIKE]Empire £131.00[/STRIKE] Cleared
[STRIKE]Yes Insurance (car) £338.23[/STRIKE] Cleared
[STRIKE]Wescot/Aviva £105.12[/STRIKE] Cleared
[STRIKE]Electric arrears £158.85[/STRIKE] Cleared
[STRIKE]Benefits Overpayment £185.97[/STRIKE] Cleared

Being Paid Off...
My Sister [STRIKE]£450*[/STRIKE] Now £250*
Rent arrears [STRIKE]£779.28[/STRIKE] Now £604.28 or less (needs update)
RAC [STRIKE]£71.52[/STRIKE] Now £23.84
Water arrears £574.35 recent new arangment to repay but might be higher now (needs update)

Not Being Paid Off...
Old Overdraft £2268
Gas arrears £599.03
Moorcroft/Orange £539.65
Barclaycard/Lowells £181 (statute barred and disputed anyway)

This makes a total original debt of £6543.29, of which I now have paid £1515.15 (23.16%) and have £5101.82 (76.84%) remaining.

Hannah_10

Hi thanks KP & Keggie. I fear it's all going to look a lot worse when I update that water bill. I studiously ignored it for a very long time and if memory serves it's now at around £719. At least I've aranged to pay it now though, directly out of my benefits. I'm not sure at what rate though because of the £10.50 they're going to take a greater proportion is for the water I use as I use it than for the debt accrued.

Baby is here by the way, she's a sunny, happy and very pretty little 5 month old girl.

Hannah_10

I think I'm going to use here as a place to log the DCA harrassment too. So 1.54pm today call from "Alan" at what I initially heard as Noel Financial, I said I'd never heard of them and hung up. In hindsight that will have been Lowells. Go on Lowells, make my day, on the third call I send the phone harrassment letter. 2 More please. Soonish.

dancingfairy

Hi Hannah - you are doing fabulous well. Welcome back. I'm not surprised you took a break for a while to look after the little one - congratulations by the way.
df

dancingfairy

Have you managed to look into the SouthWestWater trust fund thing that you mentioned back in post no.39 - that would really help you out if you got some help with that.
df

Hannah_10

Lowell voice text for someone I have never heard of just now.