Pay off as much as you can in 2011 Challenge!

abba1772

I've paid my tax credits overpayment off :T so thats another £61.31 paid off woo hoo

brings my total to £562.26 / £3500 I'm number 107

was meant to be paying vodaphone off but they are insisting I pay a cancellation fees as well as a months fee in advance which wouldn't make me better of financially so gonna let contract run and send in written notice in April to cancel my account in May, means i avoid the cancellation fees. will put a note in my diary lol

will double check my bank account and see if i can pay anything extra towards my credit card x x x

jwil

Yoyosam wrote: »

http://forums.moneysavingexpert.com/showpost.php?p=40367510&postcount=572

Thanks for the support & encouragement (klee, sarahs999, deeperblue, jwil)

I went to my bank to tell them what had happened and that I didn’t think I should be charged the fee. The assistant I saw looked at my account and could see when the money went in etc and said that I hadn’t gone overdrawn so therefore would not be charged – even though I had received a letter from them regarding the fees. He then went on to say that I should check at the end of the month and if I have been charged to come back to the branch BUT then he saw I had been refunded fees 3 x’s before and said he doubted the bank would waive the fee and that it would be up to the manager. I told him that I had been charged the fees for using the cash points whilst stuck Portugal last April due to the “Ash Cloud” (ongoing dispute with airline, that’s another story for another thread) and that the bank had announced in the national papers that it would refund cash point fees to their stranded customers. I told him I didn’t think that was right as I only used cash points because I was stranded and family had put money in my account for me to access and I didn’t ask for a refund the bank had announced it would refund! He agreed with me and said I was sharper than him (thanks MSE, I’m getting there!) I am glad I have seen that on my account notes as I now know what I am dealing with if ever I have to ask for a refund.

I have also written to the CC involved to confirm the change of date for my DD and to express my disappointment at their handling of my DD instructions and that I want them to confirm that I wont be charged the failed DD payment & late payment and also that they make a note on my records that it was their error

Confession time - I did pay for something on my CC. I really didn’t want to spend on it but I am looking at the “cash from baking thread” and I needed some equipment so splashed out £3.59 on my CC. I had about £30 left in my bank account and had a shop to do at Tesco using my M&S moc (spend £25 get £5 off) but I couldn’t trust myself to spend exactly £25. As it happens I spent £26.35 and only had to pay £21.35 so I have paid back £4.00 to my CC

Sorry another long post but I wanted to tell you what had happened since I last posted

Well done on going back to them, hopefully they won't add the charges!

jwil

LAM2011 wrote: »

Morning everyone - well I have only been a member just over a week but I had a massive clearout of stuff at home and used my savings to put into one of the cards and so have managed a really good start. In fact I am no longer in denial now of the cards and would like to update my total to include the third card as well so my total debt owing was £10,206. So far this month I have managed to pay off £1,910. Really, really pleased. Just need to keep the flow going now

# 134
£1,910 / £10,206

thanks very much for all the support and advice - it really is very much appreciated.

Well done Lam! that's a great start - almost 20% done already! :T

jwil

xx_michelle_xx wrote: »

Afternoon all, have managed to pay another £16.00 in dribs and drabs over the last few days.

I had a mammoth clearout of the loft yesterday and have listed 100 small items on ebay, so fingers crossed that earns me a few pennies soon. Have saved more expensive items for the next free listing weekend

Running total is: £118.96/£4500.00

xx

Good luck with the ebay sales!

abba1772 wrote: »

I've paid my tax credits overpayment off :T so thats another £61.31 paid off woo hoo

brings my total to £562.26 / £3500 I'm number 107

was meant to be paying vodaphone off but they are insisting I pay a cancellation fees as well as a months fee in advance which wouldn't make me better of financially so gonna let contract run and send in written notice in April to cancel my account in May, means i avoid the cancellation fees. will put a note in my diary lol

will double check my bank account and see if i can pay anything extra towards my credit card x x x

Well done on clearing a debt, and that sounds right about waiting a few months for the vodafone one.

sarahs999

£25 minimum payment to Virgin

cakelover_2

Paid off £2.10 today, rounded my bank balance a little. It's funny how I'm managing to do this whereas as before I was like, I don't have any extra money to pay anything more! I guess when you look harder the money is sometimes there.

Balance now: £421.87/£5423.06

too_much_debt

New total for me

No. 50 £918.82/£13,000

seasideDreamer

Just rounded off my account and paid £1.60 off the Santander card so that's £109.04/£6,842.49 from No. 131.

tattycath

£1136.87/£12,000

Daeheryn

Yay payday is finally here! Time to start repaying!

116. Daeheryn £177.01/£2000

Will go up a bit when CC bill comes in and next loan DD comes out - so glad to finally get my total going!