A Payment A Day - Part 10!

Brown_suga

Hi Guys,

Been slacking on the PAD but have managed £9.78 to the barclaycard today, they have written to say they are increasing the APR from 17.9 to 22.9 so I think i'll be calling them to say I want it closed.

Just a quick question though, if I do that does it mean I have to pay the balance straightaway?

Kepp

Morning all, £140 to the loan please

LondonAndy

Hi folks

£10 for me please.

Back later....

euronorris

Morning All,

Another PAD of 11.41 GBP to the Virgin Credit Card.

This was an unexpected rolling subscription to WoW. I didn't set it up or ask for it. Anyway, I queried it. They say it's in the terms and always been like that (not it hasn't!), but they are refunding the money anyway. I expect that this was a gesture of goodwill, especially as I haven't used any of the game time.

So, a little annoyed it was set up like that, but am pleased they are refunding the money. And they responded to my email within 45 minutes! I can't quite believe it!!!

Have a good day all!

xx

sashanut

Hi all:j

Popping on to PAD early as I didn't get on here yesterday - be back later with PAD though. Need to as yesterday was a high-spending day :eek::eek::eek: really need to keep out of the shops :eek:

Feeling carp today but must crack on as I think my friend is coming round this aft & she has all sorts of probs due to family/pet illness so needs a break

Anyhow, after all that, my PAD today is £500 to M&S CC please JU - tkyou!!

euronorris

Brown_suga wrote: »

Hi Guys,

Been slacking on the PAD but have managed £9.78 to the barclaycard today, they have written to say they are increasing the APR from 17.9 to 22.9 so I think i'll be calling them to say I want it closed.

Just a quick question though, if I do that does it mean I have to pay the balance straightaway?

Not usually, but I think they can if they chose.

Usually though, they just stop you from being able to use it anymore, but you can continue to make monthly payments to it in order to clear the balance. This is what has happened with my Halifax Credit Card. It is closed, but I'm making repayments to it each month.

saorsie

£25.24 today for me jj please split between long term savings and frivilously random savings

Brown_suga ~ I'm no expert however I understand that if you reject the interest hike, the account is closed so you wouldn't be able to spend on it but you are still able to pay it off via monthly repayments rather than in one chunk

-s-

never_too_old

£11 for me today please. this is going to house debt

( which now appears to be a different amount to what it was on 8th jan for the worse )

clearing_out_my_pockets

Morning all!

£5.51 this morning. I have a suspicion that this is a council tax free month, but will wait til tomorrow to PAD that money, just in case.

Erme

sashanut wrote: »

Hi all:j

Popping on to PAD early as I didn't get on here yesterday - be back later with PAD though. Need to as yesterday was a high-spending day :eek::eek::eek: really need to keep out of the shops :eek:

Feeling carp today but must crack on as I think my friend is coming round this aft & she has all sorts of probs due to family/pet illness so needs a break

Anyhow, after all that, my PAD today is £500 to M&S CC please JU - tkyou!!

Yeah me too following a really bad night's sleep....and now there's workmen on the landing so little chance of sleep for a good while ...och well more chance to potter and knit :T (just finished another sock this am

clearing_out_my_pockets wrote: »

Morning all!

£5.51 this morning. I have a suspicion that this is a council tax free month, but will wait til tomorrow to PAD that money, just in case.

I have no idea...I'll phone welfare rights maybe in a mo or email SJ to find out. They'll know...it could well be...I'll be well chuffed if it is

Noticed Milk at FF had gone up from £1.50 -£1.60 yesterday :eek: - still a good buy (for 2 4 pint cartons) but why did no one on here tell me?

Want a treat but don't need one. I'm feeling awful cos I'm tired...simple. If anything I need orange juice (it's a good pick me up...all that vit c and sugar) not wasted money on stuff that can wait till finances are healthier...

E