determined to be debtfree!

debtfreewannabe321

Alice- I have an empty wash basket and kids beds were changed :T

Well this morning i don't *touch wood* feel dizzy, i've probably spoken too soon now but hope that finally the tablets are kicking in !!!

NSD today. Have £32 left in bank but don't really want to touch it. DH used some of his left over pocket money to get the groupon deal for 2 x odeon tickets for £10 :j and as i don't count his money in my budget i'm still having my nsd :rotfl:

I also went through quidco to get them as he had no idea about cashback even though i have explained it ten times *sigh*...you can lead a horse to water ...and all that jazz!

Off to a friends house today for tea & biscuits. But i'm on a diet so no biscuits for me! Her cat has had 3 kittens so i can't wait to see them. Which reminds me must take anti histamine or they may kill me. :rotfl:

My dad rang twice yesterday and has offered me half the deposit/bond i need to move. He wants me to go straight away-ish ( i think he can tell how unhappy i am here) but he knows about my dmp and that all the extra money goes on that. I sat down yesterday to work out a mock budget for if we moved and we were £500 short........the exact amount we give to cccs and that was with slightly over- exaggerated budgets because i don't yet know how much water, gas, electric etc etc will be. So it's not possible just yet. I'm happy to wait as i don't want to get any more debt on my name but now he's made me feel bad, we'd actually found a beautiful 4 bed detached house for rent for £650 pcm...but obviously no matter how pretty the house if i can't do it i can't do it...*sigh*!

Need a kick up the butt to write to bank. ALso to get stuff listed on ebay & amazon etc. I'm still £250 short next month even with re-jigging the budgets! And i need £40 for my reiki still (or thereabouts can't remember now)

Anyway i'm sat here supping tea, and chatting away to the world and i'm not actually dressed yet and my daughter needs to be in nursery which is a 15 min walk away in 40 mins oops. Best be off! 'See' ya later!

debtfreewannabe321

Ok so i decided i too would like to try and claim back ppi (i've had several loans over the years with barclays...) and am stuck. I've checked my online credit report but they are not on there, does this mean that it is too late to apply for the ppi back on some of these? i'm so confused lol, i've read tonnes on here again (did it when i first joined too and yet again am confused by it all). I have one loan that is on the credit report but i'm pretty sure i said no to ppi for that one?!

ALso i would like to claim back bank charges as i'm pretty sure i might fall under the hardship claim bit. So i want to send a template but have found TWO! both different and now i'm unsure which one to ask for I thought that if i got transactions back as far as 6 years they may also be details of the loans on there that i need. Does anyone know if the transactions can be dated further back than that?? I'd like details of my mortgage as i've heard you can also claim mortgage exit fees back but that mortgage was in 2004 i think so a fair while back and i can't find any details in my folders for it. Argh so confusing. Now i know why i didn't bother when i first came here lol. I don't know how some of you do this for loads of different things, it's completely confuzzled me !!!

PinotGrigio41

I will try and send you a big long PM later about all of the above and the other template I was meant to send you. Sorry its been a busy few days.

I'm not expert, and I have just learnt as Ive gone along on the basis that I have nothing whatsoever to lose. I will try and get in touch later, if not it might be tomorrow xxx

debtfreewannabe321

ok well i've sat here all afternoon! (no lie!) and i have one mortgage exit fee letter drawn up (we called them and they couldnt tell us over the phone as mortgage was older than 6 years) and the funny thing is we don't even remember who the mortgage provider was for sure :eek: we're 90% sure it was abbey so we've written to them with details of address, names dob's etc. And will see what will come back. Probably something along the lines of ' are you mad, we've never even lent you any money' how embarrassing would that be :eek:

I've also tailored a sar *i think* pinot if i sent it over to you would you mind just have a quick read through and see if it was similar to what you were going to send me...i want to know if i have missed any important details :eek: really am not good at this sort of stuff! headache now and i can't see or write properly lol!

xx

debtfreewannabe321

I've decided I am going to start a new diary just thinking up plans for a new title. This one is far too full of negativity and i want to start afresh if i get time later will start it otherwise be before week is out just in time for a new month! xx

debtfreewannabe321

https://forums.moneysavingexpert.com/discussion/comment/52752893#Comment_52752893

My shiny new diary please join me lol ( i hate being billy no mates )