£23179.10 until my debt free life begins in March 2014

DebtFree2012

Right I have transferred 950 and it's cost me 988 so that is good as i would get charged more in interest.

Once it clears I will use a small part to clear the OD (< 200) and put the rest back onto the card which pays the part of the balance that is charged interest first.

DebtFree2012

FUMING - I have a letter off Tesco saying they are charging me for late payment when I have closed the account.

On the phone to them and the girl said there was interest charged after i paid it off and £12 on top of that late payment fee - I am kicking right off with them as I was told the account was closed and obviously clear !

No way I am paying this and to top it off I will have a late payment on my credit file!

DebtFree2012

Right I have spoken to a lovely girl who is honouring my complaint and marking it back to zero so I can go in and close it AGAIN next week - these ppl....my worry is that there will be more interest next month as the balance isn't at 0 at this month yet.....

Kepp

Not sure if this is the best way to do it but when I have made a final payments to my CCs I have always overpaid by about £10. Then any last pennies of interest come out of that. Then when I have closed the account I have asked for the credit amount to be refunded.

You can't trust these companies can you :mad:

DebtFree2012

The most annoying bit beccie is that I over paid by £52 and they sent it back to me in a chq then dared to say I have a balance left!

I can't wait until I have NO credit cards

Skint_but_Optimistic

Grrrrr!

How annoying!

Kepp

DebtFree2012 wrote: »

The most annoying bit beccie is that I over paid by £52 and they sent it back to me in a chq then dared to say I have a balance left!

I can't wait until I have NO credit cards

I would be fuming! :mad:

DebtFree2012

Morning peeps

Right - tasks of the day.

Firstly checked and the 0% BT cash is in my account so I have immediately paid £650 back. I will be paying more than this but want to wait until the account has settled down as I need to make sure I stay in the black.

Now I am off to check my Tesco card that I no longer have!

DebtFree2012

Morning world

Well it is Friday and there will be 100 millionaires in the UK tonight who weren't millionaires at the time of me typing this

Let's hope one of us is them so we can wipe the debts out! Although given no one knows I have debt how would I account for the 1 mill being slightly short LOL.

Well the bank have not reduced my Overdraft as I asked them too - bloody useless. So I will go into the branch at lunch time and get them to do it. Will feel better in the knowledge it's been done.

Looking forward to a frugalistic weekend filled with happy family moments and thinking of living the dream.

xx

LivvyLoo_2

Hi DF,

Oh to win a million. Here's hoping!

I have even splashed out on two lines

Good Luck, hope you win.

xxx