Help needed

Skint_but_Optimistic

I agree, even though Ive not alot I have not allocated to debts to start with I find little bits to put against the one I am targetting, and it will have come down by an extra £11 plus since I started, which has to be good!

So it works no matter how tight or how much wriggle room you have in your budget.

And Jelly and MIT are snowball queens, Im not even looking at mine til Ive hit my 30k target... Im focussing on the highest interest, once I hit the target I will be looking at my debt free day, but thats for the end of the year....

cant wait!

jellybean39

i just gone under my 30k target feels so goodddddddddddd!!!!!!!!!!!!!!

Skint_but_Optimistic

Argh, I cant wait to hit that... if I clear over 30K I will also owe under 30K too.... its a win on many levels! Like a lift in a sweet shop!

jellybean39

Paid 770 off the egg card today felt so good!!!
The got home and didnt realise and how dont ask i managed to overspend from bank account by 500 quid this month, Some ws decorating bedroom was short on a few silly bits and sent hubby to b and q and forgot he dont budget shop like me so overdraft back to 4k so mad with meself. Oh well need to be good this month as going on hols in 3 weeks and 2 weeks with no wages ouch.
So need to start ebaying and stop making excuses!:think:

millionaire_in_training

never mind you have a lovely new bedroom and you are under £30k:j

Vodafone

ammo6106 wrote: »

Heya,
First time posting, hoping someone will know what they are talking about.

In June 2011, my partner recieved a letter at his parents address from a debt collector claiming he owed Vodafone over £300.
He had no idea what it was about as he had never been contacted by Vodaphone and was under the impression he had paid off his contract years ago?

He was told his last payment was made in July 2007 and if he's paid it off all he has to do is proove it to them with a bank statment. But that wont proove anything, it'l only confim the made a payment which they already know?

He has asked them to have Vodafone contact him to confirm it is a legit. debt and explain why they never contacted him. The debt collectors will not do this. They are constantly calling him up demanding that he pay the money owed and being increadably cheeky with him?

What I want to know is can a debt be sold on to a colletor when no attempt at contact/ notification of the debt was made?

Is it legal for them to have waited over 4 years before contacting about a debt?

And will he have to pay it when the debt collector is refusing to send him any proof from Vodafone that it is a real debt and how it came to be. ie he missed a payment or he still had £1 to pay and its mounted up in interest...... if that is the case is the debt legit since they never sent him a bill for the small amount and instead allowed it to mount up?

Hi ammo6106,

It's just a quick post to update this thread to confirm that I've replied to you about this matter following your post here.

Best wishes,

Lee

Web Relations Team

Vodafone UK

Skint_but_Optimistic

yep focus on the positives, and there are heaps of them!

jellybean39

hi everyone

Strange day today. Everyone at work seemed really preocupied. I dont think i even b een on this planet today. Arthritis playing up and bit spaced out needed extra pills today,:(
Just finished making a cake for collegue who is actually my neice. Made one of thiose big cup cakes looks really good am quite impressed with myself. Hubby thinks ive lost the plot as i never cook nowt and all of a sudden stated baking cakes he thinks at 40 i started to nest im sure!!!
My 2 sisters turned up tonight they are from my mums second mariage so my half sisters in real terms but my sisters no matter what. They ahve been doing a bit of searching and have come up with their half brother (my step brother) on facebook. They now contemplating getting in touch with him and wanted my opinion, im like think you need to tread carefully could open a whole new can of worms. Youngest sister dont talk to her dad,my stepdad and dont think my mother would be to happy! She never spoke to me for 8 months when i met my real dad. Mind u she was right about him he was an idiot!!!!
Dont think i need to meet him if they do not quite sure what i think about it all really!
Anyway 2 nephews birthdays in next 2 days and the mil on sat and no idea what to get her. Flowers? again dunno.
Going toBristol on sunday to meet eldest daughter who working uip there really missing her now she moved out but hey they grow up:( Need to be careful as we dont have many shops down here so it will be the real test cause havent been anywhere recently (apart from debenhams the other night oops!) to go shopping. Might just do some window christmas shopping.
Anyway off to bed think it gonna be a bad night as leg is killing me and no pills to take now done me days worth. Good night xx

Skint_but_Optimistic

Aww bless you, beanie, hope the arthritus is feeling better today.

Lots to thnk about on the stepbrother front, if they want to see him perhaps its best to sit back for now.

As for your daughter, that will be lovely, yes they grow up and move out. Bristol is a nice place - I worked there for 9 months and loved it.

Baking and cooking for family is lovely, if the cake turned out so well why not take one along for your daughter as a gift. Cheaper than buying something and more personal too. xx

jellybean39

I posted a picture on facebook for her to see. We have just eaten it and its rather nice lol Did think about doing that if i got time between then and now see how it goes.
God it so quiet today think we gonna slit our wrists in a bit. It took alot to bake that cake alot of swearing involved!!!!!!
Just had an argument with hubby as i have no day off again this week and its his mothers birthday on sat and he just informed me he didnt have time/forgot to get a pressie. As i told him he had day off yesterday but played golf again second week running so he had plenty of time. Then it my fault cause i didnt remind him for the third time. MEN!!!!!!!!!!!!!!!!!!!!!!!!!!! So just been running around the shops looking for a pressie for someone who says she dont want anything which makes it harder. So i bought her a cardi and hope its ok. Better be!!!:D