Newbie and in trouble

in-trouble_3

immoral_angeluk wrote:

Tesco and iceland are great, plus you can get clubcard points from tesco. We get nearly £10 back from them every 3 months and we only spend about £150 a month max on food/toiletries/nappies.

we have iceland have shopped there quite a few times for the freezer food, and also shop at morrisons, my freezer can only take about £60 worth of food, but i am buying alot of luxuries which i have to cut down on.idea....so if i say £60 for freezer food a month and we dont use that amount at iceland just put that away. and £120 on other food a month that should be enough will be able to cut down even more soon has hubby is going away for a long time so there will only be my daughter and me.

do you buy brand names for toilet rolls, washing powder, washing up liquid etc?

in-trouble_3

immoral_angeluk wrote:

If you're being charged consistenly it'd be well worth reading the 'claiming back your bank charges' thread above. You can get up to 6 yrs worth of bank charges back as it's now widely accepted that charges over £12 are unlawful and people are getting thousands back from banks/credit cards!

lloyds have only been charging us for about 5 months now, 135 a month which of course isnt helping us at all.

immoral_angeluk

in-trouble wrote:

lloyds have only been charging us for about 5 months now, 135 a month which of course isnt helping us at all.

Well thats £675 you should claim back then. I'm serious! Have a look at the thread and it'll give you all the details.

in-trouble_3

immoral_angeluk wrote:

uh... not sure exactly. I presume they do it jointly but for them to deal with you it'd need to be in your name. You hubby would have to agree to it though..
sorry not much help as I haven't had any dealings with Payplan but there are lots of people on here who have so it might be worth posting asking that as a seperate post with payplan in the subject line..

will do that, hubby doesnt get back until 22nd december and goes back 2nd jan so we really need to sort things out asap.

in-trouble_3

in-trouble wrote:

i have an idea, not sure if this will work, since we are paying lloyds bank £716.36

credit card 365.00
loan 351.36

a month.....

could we not write to lloyds bank, and explain our situation and see if they can reduce the fees or do something?

they know something is wrong, because the middle of the month we are always over hubbies overdraft and around the 24th of each month they send us letters saying we have been charged 35 + 10 each time which is mounting up.

any ideas how i would go on with this. and what letter i can send them, has i think if they reduced there monthly payments for us, done the stuff that has been said, we would be fine.

anyone have any ideas? is it worth contact the bank and seeing what they can do?

in-trouble_3

I am sorry for all the questions, we just need help to get out of this mess before it gets more serious.

Sinkingindebt_2

right go to Consumeractiongroup.co.uk/forum and reclaim, I got £5k back when it first started.

Dont call the bank they wont refund much if anything. Go to CAG and ask them there.

you can do the CCCS one online, enter all your details and it will do it for you and recommend a plan of action. Do it in your name though, have you signed anything with the other company?

pudding06

we have iceland have shopped there quite a few times for the freezer food, and also shop at morrisons, my freezer can only take about £60 worth of food, but i am buying alot of luxuries which i have to cut down on.idea....so if i say £60 for freezer food a month and we dont use that amount at iceland just put that away. and £120 on other food a month that should be enough will be able to cut down even more soon has hubby is going away for a long time so there will only be my daughter and me.

do you buy brand names for toilet rolls, washing powder, washing up liquid etc?

Wherever you shop the key is to make sure that you plan your meals before you go, so you know what youre cooking for the next week/month
then write out shopping lists based upon the meal plans
then just buy whats on your list!!!!!

even if you have to shop at morrisons etc cos theres no lidl, Mr T's, asda, aldi, etc you'l still end up saving money becasue you'll not be overbuying and then binning it.

I dont buy brand names - really for anything - except my coffee (kenco - just love it esp the decaff) - supermarket own brands are good.


I used to spend about £650 - £800 per month on foood etc for 5 adults

now its down to under £300 pmth.
you can do it!!!

pudds

pudding06

I am sorry for all the questions, we just need help to get out of this mess before it gets more serious

.

dont worry - that's what we're here for!!!!

pudds

immoral_angeluk

in-trouble wrote:

we have iceland have shopped there quite a few times for the freezer food, and also shop at morrisons, my freezer can only take about £60 worth of food, but i am buying alot of luxuries which i have to cut down on.idea....so if i say £60 for freezer food a month and we dont use that amount at iceland just put that away. and £120 on other food a month that should be enough will be able to cut down even more soon has hubby is going away for a long time so there will only be my daughter and me.

do you buy brand names for toilet rolls, washing powder, washing up liquid etc?

We buy own brand everything. The quality is the same but they reduce the cost my minimising packing etc. A lot of the own brand stuff is made by the larger companies anyway but the cost to produce is much lower so they can charge you less at the till. We currently spend about £40 p/m in iceland and about another £70 in tesco (includes nappies), plus probably about another £20 for bread/milk (We have 2 kinds of milk, semi skimmed and whole because our daugter can't have semi skimmed yet) for the month. We're expecting this to go up when our new baby's born as we'll have added formula/nappies costs but it's all about shopping around and getting the best deals.