Having a rubbish day

silkglade

What a total idiot........:mad:

Was all ready to sart our DFW journey as of friday (pay day) and then realised this morning that I missed a payment on one of the debts last month.... It is for VERY so not one that I have to pay regularly and it was only a stupid £3.95 P&P payment, but now it has affected my account status and I am no longer able to take advantage of the BNPL option which is the only reason I use the account.

Now feeling really terrible again!!!

This all started last week when I had forgotten about my OH mobile phone bill payment (that goes out by DD and we ended up with charges as another bill bounced) this is the 1st time I have forgotten something and had charges.... Unfortunately it was a CC payment that was returned so I then incurred charges there too :mad:

This then made me determined to get back in control and start getting these debts down.... Every card is at it's limit and if anything happens or goes wrong then we are totally screwed.

I am so angry and feel very deflated that I have fallen at the 1st hurdle, have not even managed a week!:(

jules1973

Hi, if it is any help, Very do not always end you BNPL status if you miss a payment. I have been on a DMP for 9 months, which they have not agreed to and have passed our account to their inhouse DCA. Yet still they have kept all our BNPL items as just that...

silkglade

Unfortunately this is the 2nd payment missed as the month they changed my additions account to Very I missed it too (as I could not access the account info) and they removed it for a month.

So this time it will probably be for good this time.

Thank you anyway.

FireWyrm

Hi Silkenglade...

As we were discussing in the other thread, little at a time. Don't be in such a rush, or things like this happen. Having said that, you need to know exactly what bills are going out each month. I suggest you ask your bank for the last 6 months statements and sit down to analyse it. Cut out any DD that isn't really helping your situation and prune that tree a little. Secondly, a spending diary app on your phone will help you prepare for those upcoming bills so you are not surprised again. Search the forum for the names of apps, we were discussing them last week on here.

happy_bunny_2

I use a spreadsheet for monthly payments, really easy and you can copy the previous month for all the usual ones.

You don't need fancy software, I use Open Office, free easy to use.

I tried more advanced packages, and to be honest, way too complicated...

silkglade

Firewyrm thank you for your support Oh made cookies (had everything in so cost us nothing) they were really yummy :T

It turns out that I had NO reason for feeling so sad as once i had chilled out a day or too later it turns out that I had NOT missed a payment at all.... I looked at the WRONG MONTHS STATEMENT!!!! what a fool.

Well I am now £12 in credit a Very now lol and that will go towards the BNPL payment needed at the beginning of Dec.

Really going to get and keep on top of all this.

glimmerofhope

Hi,
The first few months after the LBM can be tricky as you are juggling finances, and trying to adjust spending. I agree with the previous poster I use Open Office and keep a spreadsheet that I update every couple of days and match it to my bank account (before my LBM I wouldn't even look at my account - now days I know within £1 my balance - sad huh!)

Has anyone suggested a SOA (sticky at top of page), others can help see where you may be able to shave some ££s of expenditure.

silkglade

Hi, needing advise if anyone can help......

My halifax card last month had problems as I had forgotten about a mobile phone dd and the bank therefore returned my DD, I then got charges from the CC and then more charges for being overlimit.

Well I made a payment straight away to them to cover the minimum payment AND charges. While on the phone I requested that my payement date be changed as it went out on the 19th and I get paid on the 24th.

The guy said fine, and I asked it to be the 24th or 25th.... Now obviously I get charged interest on a daily basis.... They guy HAS changed my payment date, but has changed it to the 28th, therefore my account has gone overlimit AGAIN and I have been charged AGAIN....

It went over by £4.91 which it would not have done IF it had been changed to to 24th or 25th as I specifically requested, instead of the 28th as it now is.

Is there anything I can do or do I just have to put up with the charges again????


Having worked out my interest on a daily basis the extra 4 days of interest amount to over £13.

Even if they had changed it to the 25th I'd have incurred over £9 less of interest as it works out at £3.20 a day!!!!

natsplatnat

Hi silkglade - I think unfortunately that the 24/25th fell over the weekend in September so your payment wouldn't have gone out - but to be fair, it should have gone on the 26th (being the next working day!!) I would speak to them to see what their reason for the delay is.... it took my CC 3 days to process a 'faster payment' that they showed as a transaction on the day it was sent! After a little bit of a rant - they refunded my late payment charge!!

silkglade

Hi,

Well just got off the phone from a lovely lady who I calmly explained everything to and she refunded the overlimit charge (i made a payment the day the statement kicked over online showing me overlimit (due to the additional interest days this month) straight away as I think she realised it was not MY fault this time.

She went through everything in really good detail with me (which the guy did not) and then when she was explaining it to me I told her the other guy just told me it had been changed and nothing else (as he did not explain anything to me like she took the time to) and she said that as a good will gesture she would refund the previous months overlimit charge too as they are all supposed to explain things to their customers.

Yay got £24 of charges refunded!!!