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Pinot's Potty debt free journey!!!

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Comments

  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    Morning! Sorry you couldn't sleep. Me neither! We could have had a conversation at 3am...

    I think lucky has hit the nail on the head, the dance teacher is running scared. Maybe she'll think twice before bullying DD next time.

    I couldn't get onto £bay yesterday, it kept timing out. Very annoying!

    Have a good day.
    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



  • Piquant wrote: »
    Morning! Sorry you couldn't sleep. Me neither! We could have had a conversation at 3am...

    I think lucky has hiYes Piq, we shoul dhavet the nail on the head, the dance teacher is running scared. Maybe she'll think twice before bullying DD next time.

    I couldn't get onto £bay yesterday, it kept timing out. Very annoying!

    Have a good day.

    Yes Piq, we could have had a bleary eyed chat couldnt we ?!

    I am hoping she is running scared, I will just continue to bombard her with phone calls. It will be interesting to see what the next dance lesson brings !

    Ebay was busy yesterday, I had a few problems as well.
    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
  • I'm sorry to hear you weren't able to sleep. There is nothing worse and everything seems so magnified and less manageable in the dead of night. :(

    Grrrrr to dance teacher, she is obviously running scared. All bullies are when faced with someone 'the same size or bigger'.

    Poor Mr PG and his acidic tea. It did make me smile though - is that wrong? :o

    I hope your car starts and you have a good day Xx

    Everything does seem worse at night although there was nothing particularly worrying that was keeping me awake just silly daft things I could do nothing about at 3am !

    You are allowed to smile at Mr PG's Acidic Tea, I wont hold it against you !! :rotfl:
    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
  • :mad: Just received a letter from Santander re a bank Loan. Despite advising us that they had frozen interest, this statement shows that £328.35 worth of interest was added ont he 9th November. Grrrr !!

    Looks like its time for another letter !
    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
    edited 19 November 2012 at 8:50PM
    And the dreaded Inland Revenue have just sent another demand.

    The letter begins with
    "We are sure that you believe in businesses paying their taxes " Yes I suppose I do. We are trying and we are paying, something, not all of it, but as much as we can.

    "Your Company Owes us Coperation Tax." Yes I am well aware of that thankyou

    "You can resolve this by contancting us now " We have and you wouldnt come to any agreement with us

    "Its easy to pay if you havent already done so " Its easy to pay if you have the money, if you dont its really not quite that simple ! We dont have it, we have explained why ,but we are trying !

    By the way we are charging you daily interest.Thankyou, that helps !
    Dont ignore us ! We arent ignoring you, but you wouldnt talk to us !

    What dont they get ?!!

    So, looks like more letter writing for me today then !!
    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
  • lucielle
    lucielle Posts: 11,522 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with that one then!
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • lucielle wrote: »
    Good luck with that one then!
    L

    Thanks L, maybe I will just copy and paste the above post and send them that !! 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
  • Thanks L, maybe I will just copy and paste the above post and send them that !! x

    Just remind them, they can't have what you don't have, you are working towards it and if that's not quick enough for them there is nothing else you can do.

    I worked for them (Taxcredits) when I was a student and if it's slightly different to what the system expects it just won't accept it, it was awful. The letter was probably automated, just stay calm with them and offer to send them a SoA if it doesn't go well but remind them that your cashflow is non standard and not to expect any changes. :grouphug:
    HSBC CC - £3000 / £3000
    Halifax CC - £1032.77 / £1032.77
    Mortgage currently at [STRIKE]£82,299.71[/STRIKE] £76,017.62 would love to overpay
  • They have had so many letters and explanations its crazy, but I have sent another.

    Thankfully it isn't worrying me, been there and done that. It's just irritated me.

    Anyway another £70 paid to THEM this morning, giving them a total of £1300 since the bill was due in October.

    Onwards and upwards 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
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    AAAgghhhh..don't you just hate standardised systems like this. Its nuts when clearly you are making small but frequent payments. NL was/is having the same issue and another friend of mine has not had the right tax code, first time in last 7 years..something to do with having a widowers pension and hes only 45..well it can't be that unusual (unfortunately!) can it??!

    Only glad I don't work there..that and the JC would probably be my job from hell...oh or gutting chickens. Fish yes, Chickens no..
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
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