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One Debt Cleared!

13

Comments

  • spud30
    spud30 Posts: 16,872 Forumite
    dottyanne wrote:
    Yeah i no - it doesnt seem like 5 mins since we started our DMP........and im gonna be claiming back charges off 5 other organisations so hopefully that will be more debt cleared for me!! yay!! :j

    I flippin well wish i could claim back my charges :mad:

    I have £2000+ with my old bank, but because they are part of my DMP, I've been advised not to rock the boat and make em mad :rolleyes:
    Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:
    Loves being a Wonderbra friend :kisses3:
  • dottyanne
    dottyanne Posts: 1,530 Forumite
    Part of the Furniture Combo Breaker
    Hey spud - who advised you that?..........like everyone else said to me - its our money so why let them keep it?

    dottyx
    Focusing on clearing the credit cards in 2018 :T
  • spud30
    spud30 Posts: 16,872 Forumite
    dottyanne wrote:
    Hey spud - who advised you that?..........like everyone else said to me - its our money so why let them keep it?

    dottyx

    Cant remember who, to be honest.

    I know it's been discussed quite a few times on here though.

    Do you think I should have a go then?
    Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:
    Loves being a Wonderbra friend :kisses3:
  • dottyanne
    dottyanne Posts: 1,530 Forumite
    Part of the Furniture Combo Breaker
    Well - one of my creditors is royal bank of scotland and i owe them £4380 but because of their constant charges etc. im over my overdraft limit thus incurring MORE charges..........so im definatley gonna be trying to get this down by reclaiming my charges off them - a rough guess id say theyve had about £1500 off me and that would take a hugh chunk off the debt with them....

    i would seriously think about giving it a go - wat have you got to lose?
    Focusing on clearing the credit cards in 2018 :T
  • spud30
    spud30 Posts: 16,872 Forumite
    I'm not the smartest bear in the woods tho......is it difficult to do?

    Be honest now Dotty !!
    Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:
    Loves being a Wonderbra friend :kisses3:
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Glad things are going well for you after you had such hard times recently. Really well done and here's to the next debt clearance!:beer:
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • dottyanne
    dottyanne Posts: 1,530 Forumite
    Part of the Furniture Combo Breaker
    spud30 wrote:
    I'm not the smartest bear in the woods tho......is it difficult to do?

    Be honest now Dotty !!

    :p no spud - honest - i got my capital one charges back after only 2 letters.......i know its not always that easy and sometimes you have to go as far as making a court claim but everyone who has done so seems to have been successful...............must be worth a try?

    dotty x
    Focusing on clearing the credit cards in 2018 :T
  • spud30
    spud30 Posts: 16,872 Forumite
    dottyanne wrote:
    :p no spud - honest - i got my capital one charges back after only 2 letters.......i know its not always that easy and sometimes you have to go as far as making a court claim but everyone who has done so seems to have been successful...............must be worth a try?

    dotty x

    Right, something else for me to get my head round then :confused:

    Working an extra shift today (job number 3, only casual, as and when I'm needed, but every little helps :D ) so will try and have a look where to start when I get home tonight.

    Thanks Dotty :beer:
    Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:
    Loves being a Wonderbra friend :kisses3:
  • dottyanne
    dottyanne Posts: 1,530 Forumite
    Part of the Furniture Combo Breaker
    no probs spud - btw - hows the CCCS thing going? Ive heard that Capial One (hubbys accouns as mine now all gone!!) arent accepting the payment - tough titty i say coz im in the process of trying to get my pennies back that theyve stolen in excessive charges so well all have to see what the balance is once theyve stumped thos up wont we??

    dotty xx
    Focusing on clearing the credit cards in 2018 :T
  • spud30
    spud30 Posts: 16,872 Forumite
    It's not going too bad, Dotty :beer:

    Had a letter recently re our overdraft. The bank have obviously had the CCCS letter so they've reduced our overdraft by £850. If we dont bring the balance down to under the new limit, we will be charged unauthorised overdraft fees of nearly 30%apr :eek:

    We have just increased our monthly CCCS payment from £35 per month to £119 which has knocked quite a few years of our DFD :T

    Getting there slowly but surely :D
    Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:
    Loves being a Wonderbra friend :kisses3:
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