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The journey starts here - don't stop believing
Comments
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Wow Kat that sounds very complicated and made my head hurt lol!LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
I did have that issue with my Lloyds loan, even though I can see it as part of my internet banking, I couldn't just pay it like my credit card.
I alternated between taking £1 coins in to the counter and making them pay it off, just to annoy them and doing standing orders online for bigger amounts.
I had to get the sort code, account no and loan reference number, set up a standing order for the amount to go the next day and then cancel it once it had, and set up a new one when I had more to pay.
Was a hassle but I wasn't letting them stop me!Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j0 -
It's not that bad once I've done it, took a while to get it!Loan - [STRIKE]£6991.95[/STRIKE]£6180.01; Barclays Res - [STRIKE]£600[/STRIKE] £0 - £22 per week :eek:, NWB Grad O/D - [STRIKE]£1185[/STRIKE] £887.86 18.28% SWALEC - [STRIKE]£700[/STRIKE] £0 NPOWER [STRIKE]£220[/STRIKE] £0 Kays - [STRIKE]£591.28[/STRIKE] £0 TOTAL DEBT - [STRIKE]£10,288.23[/STRIKE] £7,000.01 31.96 % Paid off. BS Fund - £1 Savings Fund - £41.17 % Challenge Member 10
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Oh god Bec that sounds like a bit of a pain! They don't make it easy - better than paying more in interest though!Loan - [STRIKE]£6991.95[/STRIKE]£6180.01; Barclays Res - [STRIKE]£600[/STRIKE] £0 - £22 per week :eek:, NWB Grad O/D - [STRIKE]£1185[/STRIKE] £887.86 18.28% SWALEC - [STRIKE]£700[/STRIKE] £0 NPOWER [STRIKE]£220[/STRIKE] £0 Kays - [STRIKE]£591.28[/STRIKE] £0 TOTAL DEBT - [STRIKE]£10,288.23[/STRIKE] £7,000.01 31.96 % Paid off. BS Fund - £1 Savings Fund - £41.17 % Challenge Member 10
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I think they'll do anything to make it harder to pay back as that suits them, unfortunately for them I was way more stubborn!
I've done the soup thing, and have been on salads the last few weeks. I'm the same - needs to be quick and easy when I get in from work late. Even if you buy the bags of pre-prepared lettuce and stuff if you do salads you'll still be saving money compared to buying lunch every day xDebt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j0 -
I did have that issue with my Lloyds loan, even though I can see it as part of my internet banking, I couldn't just pay it like my credit card.
I alternated between taking £1 coins in to the counter and making them pay it off, just to annoy them and doing standing orders online for bigger amounts.
I had to get the sort code, account no and loan reference number, set up a standing order for the amount to go the next day and then cancel it once it had, and set up a new one when I had more to pay.
Was a hassle but I wasn't letting them stop me!
I love the idea of you going in with £1 and making them pay it off your loan, do they visibly sigh everytime they see you lol?LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
I think they hate me in my local Lloyds!
Especially I think the manager does after I turned down PPI tried to say I should get it because he had it on his loan and I asked him why just because he'd done something stupid did it mean I should? His face was worth it!
This is why I have to visit them so often so that they don't miss me!Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j0 -
I think they hate me in my local Lloyds!
Especially I think the manager does after I turned down PPI tried to say I should get it because he had it on his loan and I asked him why just because he'd done something stupid did it mean I should? His face was worth it!
This is why I have to visit them so often so that they don't miss me!
OMG Bec's that is brilliant, I wish I could have seen that!LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
That is brilliant :rotfl:Loan - [STRIKE]£6991.95[/STRIKE]£6180.01; Barclays Res - [STRIKE]£600[/STRIKE] £0 - £22 per week :eek:, NWB Grad O/D - [STRIKE]£1185[/STRIKE] £887.86 18.28% SWALEC - [STRIKE]£700[/STRIKE] £0 NPOWER [STRIKE]£220[/STRIKE] £0 Kays - [STRIKE]£591.28[/STRIKE] £0 TOTAL DEBT - [STRIKE]£10,288.23[/STRIKE] £7,000.01 31.96 % Paid off. BS Fund - £1 Savings Fund - £41.17 % Challenge Member 10
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brilliant comment to the manager!
your spreadsheet sounds really interesting, i'm sad and love spreadsheets!
good luck when you go and pay money off your loan, once again i wish i could be there to see their faces. I bet their hearts will sink when they realise that you are going to keep coming in and doing the same thing.0
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