Shifting a 24K debt in a year?????

Woowoo

I hate it when they persistantly try and sell you something you have already clearly stated you do not want.

LMAO at the thought of you going in to pay £1 off - please, please do this once a week at least, preferably all in pennies!!!!

Kepp

I am going to aim to go in there every day that I don't go to the gym on my lunch break or on my way home if I've been to the gym.

I walk past there every day either way so it would be just plain rude not to pop in and say hi :rotfl:

Ceniza

beccie wrote: »

Only bummer is that I just found out that overpayments have to be done in Branch not online for loans. Hope they're looking forward to seeing me every single day on my lunch break when I turn up to pay them my £1 overpayment! :rotfl::rotfl:

That doesn't sound right? I have a Lloyds loan and make overpayments online. I do it as a transfer from my main account to my loan account. They made the first overpayment for me and then it saved online for me to do it going forward or something like that, it was a while ago now - you should call back again and query this - although going into the branch everyday to make overpayments sounds like fun

Ceniza

Just checked this, I bank online with Lloyds and go to 'make a payment' - I have a sort code and account number to pay, and in the reference I have my Lloyds TSB loan reference

Woowoo

Way easier, but no where near as much fun as emptying your penny pot out on the counter once a week!

o2bfree

beccie wrote: »

I walk past there every day either way so it would be just plain rude not to pop in and say hi :rotfl:

:rotfl::rotfl:That really made me laugh.
Great news on the loan, everything will be much easier to control.
Can't wait for your first post about your £1 payment.:)

jtr2803

Becs can you please, please, please take like £5 in 1p's and secretly film it just so we can all wet ourselves laughing!?!?! :rotfl:

I so want to be able to do that but I only pay payplan now! Perhaps when I do my F&F's to Egg and Cabot I can take it all in my penny pot.

Oooooh have any of you seen confessions of a shopaholic? She does that!! She gives the debt type bloke $16,000 odd dollars in coins :j

Woowoo

I love that part of the film Jody, genius!

Kepp

I went in to see Lloyds last night to pay them back the £600 I didn't need.

I will be going at lunch time to give them the £1 I've been keeping especially for them!

Might ask about this online thing again then. Does seem odd that you can't do it online, and the first guy said you could, it was the manager who said you couldn't. So I will re-check as let's face it, none of us should trust a bank manager.

Think I will keep popping in with my £1s as well though, they might miss me otherwise and I wouldn't want to make them worry would I?:rotfl:

Kepp

Saw my ex in Lloyds last night as well. We get on really well and I see him fairly often anyway. This is why the chat we had surprised me!

When we got out I asked him why he was there as he didn't bank with Lloyds before. He said he'd just opened the account and was paying the last of his money in as he'd had to change banks as he was going onto a DMP.

He's 20K in debt!

I was with him when I had my semi-lightbulb moment previously. When I had pushed 13K down to about 6K. He had debts of a bit less than 10K then. I remember this is when I had first got wise to minimum payments, and I worked out his debts for him as he was quite happy to keep paying the minimum, I worked out he wouldn't be debt free till he was 32 this way and bearing in mind we were only 22 that was a long way away!

Anyway, we broke up a couple of years after that and have discussed my debt several times especially recently. I asked about his and he said it was fine.

Turns out he was 20K in debt, his BEST apr was 34%:eek: And his minimum payments alone had hit about £700 a month and were only clearing the interest :eek:

Luckily now he's realised it's a problem and has gone onto this DMP and is getting sorted, although I did tell him he was daft for not telling me! And found it weird that I was right - he will now be DF when he's 32!

And I was talking to my OH when I got in (him and my ex, although they didn't know each other before get on very well) and was telling him about it. And I was saying that it had made me happy. Not happy that he was in debt at all or had got into a mess.

Just that since we broke up he's had an amazing social life, he's out all the time, spends most weekends in London and always seemed to have money. My life's gone a totally different way and of course I've had my amazing travelling but I spend a lot of nights in as I can't afford to go out. I guess what my long rambling post is trying to get to is that when sometimes I'm down because I think I'm doing nothing as I'm trying to pay this back, I should remember that people who aren't doing that may well be racking up the debt still.

Sorry for the rambling post, just wanted to get it all out of my head!