Time to Change!!!!!

scottswald

had £10.50 inmy pocket today as i was passing the bank so i put it in my loan account, i felt so daft putting that amount in lol

scottswald

£166 paid off on my loan today!!!! it feels good

vasseur

scottswald wrote: »

had £10.50 inmy pocket today as i was passing the bank so i put it in my loan account, i felt so daft putting that amount in lol

It all adds up and you would probably have just frittered it away otherwise (I know I would have done )

You have had a monir setback but you have the right attitude to money. Just learn from experience

fizzypops

polesalot wrote: »

It all adds up and you would probably have just frittered it away otherwise (I know I would have done )

You have had a monir setback but you have the right attitude to money. Just learn from experience

you are right, i used to think it was silly paying 50p or £1.00 to my credit card nearly everyday but you do soon see the difference.

scottswald

yeah, it feels good to put in towards debt i think

weighed in some of my scrap today, i got £530 and stopped off at the bank on the way home and put the lot in.

my balance is £8085 now, i going down but just seems slow

i have got more scrap but i think it's probably only around 100-150 pounds worth, gonna sort it over the next week.

scottswald

polesalot wrote: »

It all adds up and you would probably have just frittered it away otherwise (I know I would have done )

You have had a monir setback but you have the right attitude to money. Just learn from experience

yeah, i definataly would have just spent it on crap lol

fizzypops wrote: »

you are right, i used to think it was silly paying 50p or £1.00 to my credit card nearly everyday but you do soon see the difference.

yeah, i did with my smaller debts i had such as cedit cards but not so much with the big loan, i just have to trust it will make an impact i suppose :money:

fizzypops

scottswald wrote: »

yeah, it feels good to put in towards debt i think

weighed in some of my scrap today, i got £530 and stopped off at the bank on the way home and put the lot in.

wow thats alot of money, well done

scottswald

fizzypops wrote: »

wow thats alot of money, well done

thanks very much mate! had a problem with my car today and it cost £64 to fix :-(

scottswald

my loan is in the collections department, i have just come out of a payment plan and was told i am £92 in arrears. she said if i paying in that today then it will be taken out of collections.

i am just gonna put £100 instead of £92 though.

i cudnt get to the bank today though with my car being off the road, i would like to ring up now to make the payment but have no idea which number to ring. i dont really have any paperwork with telephone numbers on, any help? just ring customer services maybe?

scottswald

paid the £92 pounds towards my account (they would only let me pay that amount) and they say within 24-48 hours my account should be out of the collections department... YAY!!!!!

i also have an unwanted current account with llyods with zero balance that they would not let me close due to my loan being in coolections. i should not be able to close this.

will the fact that from today i am no longer in arrears affect my credit rating at all by any chance?