We are about to pull the purse strings soooo tight!

Alice_in_Poorland

brizzledfw wrote: »

ugh to peeps at work like that..when I start my third bacon roll of the day its sometimes just to spite 'em!!!!!

These 'lettuce leaf' girlies are the same ones that call into the bakery on the way to work and buy cakes for us all........that's it, make us fatter so they look thinner.:p

brizzledfw wrote: »

Sorry re BC..I am looking forward to not being with them in less than 5 days time if I am honest..am sure its a random thought process but for some reason them and Mr T just get my goat

That's great brizzle, I shall be soooo happy the day we make our last payment to them.:(:)

mummytogirls wrote: »

Morning Alice,

Oh I hate it when things come out of the woodwork when you least expect them. Hope you sort Bcard out.

Re the diet, im starting on one yesterday too!
Im going to track my calories on myfitnesspal and hopefully do some exercise too. Day 2 and doing well so far!!! xx

Go mummy, we can do this (I say this to myself all the time ), hope you have a good Day 2.

xx

Alice_in_Poorland

Eager_Elephant wrote: »

Barclaycard's policy for people on debt management plans is quite strict.

If you are making token payments then they charge no interest but as soon as you pay more than they deem reasonable they charge interest of 1% (I think) a month.

I have told my clients to carry on paying token and pay off the other debts first.

If you don't speak to Barclaycard later I will try and confirm exact details after work.

Thank you EE, when we doubled our payment to stepchange they just increased our payments across the board. I didn't think we could ask them to withhold/limit the payments to certain accounts and I'm not sure I can self manage.:(:o

xx

Alice_in_Poorland

OH has spoken to Stepchange and apparently we can't change the amount we pay everybody. It was suggested OH calls Bcard and asks if they will hold the interest.

The balance is £1656.78, new payment is £21.52 although the are asking for £33.23, interest is £4.38 per month.

We've run out of bread and we're about to run out of milk, and the petrol light has come on in the car.:(

I'm going to vac the inside of the car ready for its MOT,:rotfl: I know that vacuuming the car doesn't really have any bearing on if the car passes or not but it makes me feel better.:o

xx

debtfreewannabe321

we've spoken to BC a half dozen times over the last couple of years and they refuse to stop the interest...apparently they charge a percentage in line with whatever you are paying them. We currently pay 4% interest i think. It's rubbish i'm hoping DH gets his bonus this year so we can use it to get rid of that one! xx

savvykaz

I really don't understand the "big boys" at all - we owe BC £7,000 and they stopped all interest/charges from the word go. The only one not playing ball with us is Nationwide

grannyx2

We too owe BC a wopping £8, 000 and they froze the interest at 1st request and renewed the plan after 12months without us asking them to do so. Hooe I haven't witched us now. wish they would treat us all the same, how much simpler debt management would be then

Granny x

Alice_in_Poorland

debtfreewannabe321 wrote: »

we've spoken to BC a half dozen times over the last couple of years and they refuse to stop the interest...apparently they charge a percentage in line with whatever you are paying them. We currently pay 4% interest i think. It's rubbish i'm hoping DH gets his bonus this year so we can use it to get rid of that one! xx

OH hasn't called them yet. Fingers crossed you mange to get yours paid off soon.:)

savvykaz wrote: »

I really don't understand the "big boys" at all - we owe BC £7,000 and they stopped all interest/charges from the word go. The only one not playing ball with us is Nationwide

grannyx2 wrote: »

We too owe BC a wopping £8, 000 and they froze the interest at 1st request and renewed the plan after 12months without us asking them to do so. Hooe I haven't witched us now. wish they would treat us all the same, how much simpler debt management would be then

Granny x

Thanks savvykaz and Granny, the balance on my card is just under 9K and although the payments have doubled there too they haven't started to add interest......yet!!!

Thinking out loud, what happens if I pay an bit extra here and there to OHs Bcard, say £20 a time?? I know Stepchange don't like you to do that but.......???

We've had our gas/elec bill today. The gas was £160 and the elec was £125, not sure if that's good or bad?

xx

mummytogirls

Morning Alice,

How long were your bills for?

Hows the 'healthy eating' lets call it going?! Im doing ok this time hope you are too xx

Alice_in_Poorland

mummytogirls wrote: »

Morning Alice,

How long were your bills for?

Hows the 'healthy eating' lets call it going?! Im doing ok this time hope you are too xx

That was from Mid March to Mid June. E0n deposited the £192 back into our bank account this morning.:) I'm going to transfer it into the emergency fund. I wonder if they are going to change our monthly payment???

RE the 'healthy eating', I'm doing OK at the mo, I've even stopped having my cup of tea in the morning (saving on boiling the kettle for 1 cup too) to help keep off the biscuits. Although the porridge seems to be keeping the hunger at bay. Glad to hear you're having a good week too....we must keep it up! xx

PinotGrigio41

Sorry to hear about the BC and the interest they are charging Alice. I am keeping my fingers crossed that they agree to freeze this when OH calls them.

BC are about one of the only companies we actually don't owe any money too ( hence business account is with them !:D ) but it does seem one rule for one and one for another. I am of the understanding that if you are on a DMP you cannot pay extra here and there directly to the Predators as St£pch@nge see that as favouring one Predator over another. I may be wrong though. Rather than overpay one or other CC company I put the addition amounts into an account I have called Full & Final ( very original I know ) and build up money there to offer as a lump sum at some stage hopefully.. I know it doesnt help though if they are charging interest. If OH is succesful, plse remember to confirm the conversation in writing with BC. Sure I am teaching you to suck eggs there sorry .

Sounds like you are doing well with the healthy eating ( says Mrs PG whilst tucking into a choccy biccie again....oops !)