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Pinot's Potty debt free journey!!!

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Comments

  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    i agree with Piq on this one
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • PinotGrigio41
    PinotGrigio41 Posts: 4,213 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Thankyou everyone for your thoughts on what you think would be the best thing to do with the PPI money and all of your congratualtions !! . Its really appreciated as always :D
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
    Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
    Total Debts JUL 2020 £00.00
    Cleared Jul 2020 £96796.75
    :T
    Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
  • PinotGrigio41
    PinotGrigio41 Posts: 4,213 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Ok, now I know this is going to make me sound like a totally paranoid nutter, but I'm going to tell you anyway as I cant tell anyone else !

    I have just returned from dropping a friend of DD2s back at home. Where we live is very small and quiet with no passing traffic so its quite a rarity to see any unusual cars. Over the years we have tended to even get to recognise the cars of people visiting the neighbours and their relatives.

    I have turned into the road and sitting outside the house two doors from me, and slightly blocking the road were two burly bald headed men sitting in a bright red, very old, BMW convertable. They were wearing black bomber jackets.They weret talking jsut starign straight ahead. For some reason they have put the wind up me well and truly.

    Now, I think I am calm, generally anyway , and dealing with this debt thing ok , but I am convinced they are debt collectors waiting for me to return home:eek:. We parked the car on the drive, and I asked DD2 to close the double gates and I double locked them. I then grabbed her hand and ran into the house through the back door, she wanted to stop and feed the bunny but I wouldnt let her ( the last time I used the back door instead of the front was before I started writing this diary, after I had had a doorstep visit from the inland revenue ) I have locked and bolted the back door and then pulled all the blinds at the front of the house so they cant see in and locked the front door. DD2 was questioning my actions. I explained that the people in the car,she had notcied them as well looked a bit iffy to me . She laughed and said I was weird !

    I feel happier now we are indoors and they didnt see me walk from the driveway and into the front door, but they are still sitting out there. :(

    We dont get old cars around here ( well other than mine !) only posh ones usually , and the last time there were burly people outside any of the houses was when the old neighbours were repossessed and the baliffs were sent in.


    I am trying to keep calm, DD1 has poured me wine as the plan was for the three of us to have a girly night in tonight watching Glee and eating a curry I had made earlier. Now I am a little jittery though.

    I am sure I am being really silly and the likely hood of them knocking is slim, but its freaked me out. If they arent looking for me why are they sitting in the car at all ?

    Calming words would be much appreciated !
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
    Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
    Total Debts JUL 2020 £00.00
    Cleared Jul 2020 £96796.75
    :T
    Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Ok, now I know this is going to make me sound like a totally paranoid nutter, but I'm going to tell you anyway as I cant tell anyone else !

    I have just returned from dropping a friend of DD2s back at home. Where we live is very small and quiet with no passing traffic so its quite a rarity to see any unusual cars. Over the years we have tended to even get to recognise the cars of people visiting the neighbours and their relatives.

    I have turned into the road and sitting outside the house two doors from me, and slightly blocking the road were two burly bald headed men sitting in a bright red, very old, BMW convertable. They were wearing black bomber jackets.They weret talking jsut starign straight ahead. For some reason they have put the wind up me well and truly.

    We dont get old cars around here ( well other than mine !) only posh ones usually , and the last time there were burly people outside any of the houses was when the old neighbours were repossessed and the baliffs were sent in.


    I am trying to keep calm, DD1 has poured me wine as the plan was for the three of us to have a girly night in tonight watching Glee and eating a curry I had made earlier. Now I am a little jittery though.

    I am sure I am being really silly and the likely hood of them knocking is slim, but its freaked me out. If they arent looking for me why are they sitting in the car at all ?

    Calming words would be much appreciated !

    OK, you are paying everyone via your DMP

    They are sitting 2 doors down, not outside your house, blocking your drive

    You are not the only people to live on the street or to have money worries.

    There is nothing they can do to you and I very much doubt they are there for you. However, if you are that scared of them, ring the police and tell them there are 2 suspicious looking men loitering outside your house and you are on your own with your 2 young DDs.

    Hope this helps

    Granny

    x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • Ok, now I know this is going to make me sound like a totally paranoid nutter, but I'm going to tell you anyway as I cant tell anyone else !

    I have just returned from dropping a friend of DD2s back at home. Where we live is very small and quiet with no passing traffic so its quite a rarity to see any unusual cars. Over the years we have tended to even get to recognise the cars of people visiting the neighbours and their relatives.

    I have turned into the road and sitting outside the house two doors from me, and slightly blocking the road were two burly bald headed men sitting in a bright red, very old, BMW convertable. They were wearing black bomber jackets.They weret talking jsut starign straight ahead. For some reason they have put the wind up me well and truly.

    Now, I think I am calm, generally anyway , and dealing with this debt thing ok , but I am convinced they are debt collectors waiting for me to return home:eek:. We parked the car on the drive, and I asked DD2 to close the double gates and I double locked them. I then grabbed her hand and ran into the house through the back door, she wanted to stop and feed the bunny but I wouldnt let her ( the last time I used the back door instead of the front was before I started writing this diary, after I had had a doorstep visit from the inland revenue ) I have locked and bolted the back door and then pulled all the blinds at the front of the house so they cant see in and locked the front door. DD2 was questioning my actions. I explained that the people in the car,she had notcied them as well looked a bit iffy to me . She laughed and said I was weird !

    I feel happier now we are indoors and they didnt see me walk from the driveway and into the front door, but they are still sitting out there. :(

    We dont get old cars around here ( well other than mine !) only posh ones usually , and the last time there were burly people outside any of the houses was when the old neighbours were repossessed and the baliffs were sent in.


    I am trying to keep calm, DD1 has poured me wine as the plan was for the three of us to have a girly night in tonight watching Glee and eating a curry I had made earlier. Now I am a little jittery though.

    I am sure I am being really silly and the likely hood of them knocking is slim, but its freaked me out. If they arent looking for me why are they sitting in the car at all ?

    Calming words would be much appreciated !

    If you are worried call the police, they will n ot mind, it is out of character for the area

    Dropping you a pm

    HHx
  • PinotGrigio41
    PinotGrigio41 Posts: 4,213 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Granny thankyou.i don't know why I feel so nervous. I am paying everyone. I know next door had some problems . I am being silly I know. I have text mr Pinot and he said the same as you that I should call the police if I am worried. I really don't understand why they have unnerved me so much . Sorry x
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
    Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
    Total Debts JUL 2020 £00.00
    Cleared Jul 2020 £96796.75
    :T
    Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
  • What's the curry anyway?

    As for the wine....... if it's going to waste send it up North. Am trying not to buy so not tempted to drink it.


    HHx
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Granny thankyou.i don't know why I feel so nervous. I am paying everyone. I know next door had some problems . I am being silly I know. I have text mr Pinot and he said the same as you that I should call the police if I am worried. I really don't understand why they have unnerved me so much . Sorry x

    Don't be silly honey. That's what friends are for x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    Dearest one, even if they are debt collectors they can only knock at the door they can't come in. They have no rights at all, you don't even have to open the door.

    The only debt collectors with any authority are the one's who collect for council tax arrears. Not debts that have been sold on such as credit cards and loan.

    Stop worrying, have that glass or two of wine. If you like I'll come round and keep you company.

    Piq x
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Piquant wrote: »
    Dearest one, even if they are debt collectors they can only knock at the door they can't come in. They have no rights at all, you don't even have to open the door.

    The only debt collectors with any authority are the one's who collect for council tax arrears. Not debts that have been sold on such as credit cards and loan.

    Stop worrying, have that glass or two of wine. If you like I'll come round and keep you company.

    Piq x

    rightly said Piq and I think even CT have to get a liability order first.

    Print out this sign and stick it in the window. That'll give them the message

    FAMILYGUYGOUCKYOURSELF.jpg

    Naughty Granny x :rotfl:
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
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