Bonsibabe's Bumblings!

debtfreewannabe321

I had to disassociate myself from someone before. You can only do it if you don't have any credit cards, overdrafts, bank accounts, mortgages etc in joint names. I wrote to equifax & experian and asked them to disassociate me from Mr ******* and that i had no financial connection to him at all. That was 10 years ago now though, not sure if things have changed. I bet if you go onto their website they will be able to tell you on there

I think your OH is lucky to have you and should be doing all he can 1) to help you bust this debt, 2) to keep you!

Keep at it hun

bonsibabe

Thanks sweetheart, I appreciate that. Am super tired today, think i got an hour's sleep last night. So no debt busting for me today, am waiting till wednesday when the kids are off school with the strike, i have taken a flexi day and have public hol on friday so a short week for me! Thank goodness. Night night all xxx

Skint_but_Optimistic

still having a rollercoaster time eh?

things will come good, just keep working at it. x

bonsibabe

Thanks huni, hope all is going well for you, sorry to hear about DD2's accident, hope she is feeling a bit better soon. Am off tomorrow thanks to the strike action, had to take a day's flexi as manager didn't think it appropriate for me to take kids to work with me. Not that I had planned to do that anyway!

Just going off to bed, can't be a$$ed with FOH/WOS at the moment. He has just wound me up by saying he has something on tomorrow and can't take the kids cos its too important! The kids are supposed to be #1 all the time! Men!!!!

Take care xxx

bonsibabe

Well I have today received my callcredit report and just like experian it has made me grrrrrr just a bit more. I got my ionic balance bracelet today to try and help me sleep better lol, this credit report will give me nightmares lol.

Not only have lloyds and intelligent finance got my default dates wrong, they have failed to note that payments are being made now via DCA's and have got completely the wrong figures for payments! So there are letters to be drafted this weekend to get the correct details and if they can't provide that then I will be going to the ombudsman!

FOH/WOS has offered £200 a month to pay for the buy now pay later balance that will be getting added to the catalogue today, and has further offered me £400 a month (initially for 6 months) in order to pay debts off! Now if that actually happens then it will be great but to be honest I'm not really believing it all. Will believe it when i have a wad of cash in my hand!

Will pop back later x

bonsibabe

Gutted, proper gutted. found out I can't dissassociate myself financially from OH until all the debts are paid off. So not fair. But have the callcredit file and it has given me a heck of a lot more information than the experian one. Just got to wait for the equifax one to come in and then I can start posting the snippy letters off. So far we have the following gripes:

1 Default dates are incorrect.

2 Overdraft is listed twice making people think I have two overdraft debts (only have 1)

3 The two overdraft debts have different balances (which is the right one?)

4 I want my charges and interest refunded from the O/D debt to try and lower it to a more realistic level.

5 If Lloyds do not give me the info i request, they will be reported to the ombudsman!

And that is the plan today. I am at work, with a mountain of stuff to do, but if I gets it all done, then I can start looking at ways to shift these debts for the minimum amount. I mean they are seriously taking the michael with my credit file and they had better get it cleaned up!!!!!! or my foot will be kicking them swiftly somewhere tender!!!!!

Later all xxxx

headachesrus

Hi, I was flicking through diaries looking for inspiration the other day, and came across yours, you sound like you have your hands full.

I really liked the sound of your caper sauce, and have bought some capers this evening to have a go at making it tomorrow. Just realised that I don't have any tomato puree, so will pop out and get some in the morning. Thanks for the recipe.

bonsibabe

Glad to be of assistance! Hope it went well and you are enjoying the sauce! You are very welcome to pop along any time you like x

bonsibabe

Currently on our way out (well me and DD1 and DD2, FOH is at work!) to walk 4 doors down to the housing office as Santa himself is visiting the office! A nice free visit!

bonsibabe

Just bumping this up ... am still here ... be back later xxx