The "Pay ALL your debt off by Xmas 2012" challenge - PART 2!!!

rdchick

theposhbint wrote: »

I didn't ask about this. Nothing was mentioned in the letters I received and 6 months down the line there's nothing on my credit file to say they that ..my account is on my file, just with the current balance - payments on time etc. If its a concern I'd definitely ask

Yeah gonna ask... I wonder if I would be entitled to a graduate account I should have had one instead of being stung with a loan and a ulitmate reward account... I was soooo unaware of what I was doing back then...

theposhbint

kerri_dfw wrote: »

Welcome aboard worrier and littlemsstitch and welcome back forgottendreams
theposhbint you've just given me inspiration to call Lloyds TSB when I get home to see if they'll freeze my interest and reduce my overdraft each month if I agree to pay x amount. Worst that'll happen is they'll say no afterall

Ooh! Let us know how you get on

jakes-mum

ugh im back just spent 3 hrs is it? making a lob a choc game out of a drawer, card and a shed load of double sided tape :eek: Lily has thoroughly tested it and it seems to work well, it seems in my eagerness to make the top prize a tad harder to obtain (as ive only bought 5 top prize choc bars ) ive made it nigh on impossible for a 4 year old child :rotfl: it even took me half a dozen goes to get a choc into the top box :rotfl: . . . oh well the medium and small prizes are well easy and I have loads of those prizes, plus you know there will be that one kid with the aim of a javalin thrower :eek:

Also made a small treasure chest, OMG was that fiddly!! Its got an attached domed lid and ive managed to get 8 chocolate coins in it (I did say it was small!) and now im worrying that maybe its too small and maybe I should make a little island for it to stand on :eek: what do you all think??

DH has rung and said that the new job is ok, he has another day training tomorrow and then its off out on friday to start properly PLUS the bloke he's paired up with has no room to park up the van so DH gets to bring it home

forgottendreams

thanks kerri hows the new pad coming along? you all settled in now?

Jemma, please can you update my total when you have a min.... im ashamed to say the total has gone up (a little more than expected)
£0/£6100 to make things easier in my head i have (if ok with you) scrubbed my £365 already paid and will start fresh!

One of my new years resolutions was to write a journal - something ive wanted to do for so many years. So far i've not written much in it, so I need to find some motivation and get jotting!!

CW2

Hello everyone, I'm sure you already know this, but in case not, have you seen that this thread is mentioned in this week's MSE email from Martin? We're famous :T

Gorgeestwo

Hi everyone,

I'm so sorry I haven't kept up with this thread, not quite sure where the day's go lol
But could I please update my total,
#175 £125/£5500
Wish it was more but its a start doing ok at the grocery challenge and if I can come in anywhere near our target, I'll be very happy as it'll be about half of what we've spent a month on groceries over the last 6mths or so :eek: If I can keep it up then we could make lots of over payments and possibly even save some money too

rdchick

I called Halifax... I've got no chance! Unless you can prove you have no money they can't do anything... they basically told me I need to watch what I am spending and then pay them... worth a try but just gotta realise there's no easy way out of debt! xxx

kerri_dfw

Can't really talk this afternoon, but will catch up later. Just handed in my notice yay *claps and dances around* manager looked a bit shocked hahaah

antonia1

Okay, just want to do a quick survey - if a friend asked "how much do you actually owe?!" (with a tone of shock/horror) would you:

• tell them how much you owe
• tell them it is none of their business

theposhbint

rdchick wrote: »

I called Halifax... I've got no chance! Unless you can prove you have no money they can't do anything... they basically told me I need to watch what I am spending and then pay them... worth a try but just gotta realise there's no easy way out of debt! xxx

You could try writing a letter, stipulating your case and affirming how long its going to take you to clear the debt if fees are being added? Sometimes I find a letter gets through to the 'real customer service people' rather then the peeps on the phone. Sorry to hear they didn't want to help.