Help - I'm a mess :(

flis21

Hey all,

Just looked up my credit report and I'm very confused. Only showing 6 accounts, 3 of them are the accounts I currently use (my bank, credit card and catalogue). Of the other 3 accounts showing, the Egg Loan is showing as 'Settled' as of 12/7/11. My nationwide is showing as defaulted (that is one I have made an agreement with to pay now). And there is a Next account on there at £161. I am sure this was settled, but have no evidence to show that. It says defaulted as at 7/11/08 but I've heard nothing from them since.

None of my other accounts are there. could this be correct? It has got all of my previous 4 addresses on there and my maiden name, so surely it should have found everything? very confused now!

Flis

flis21

Oh and I've signed up to TopCashBack and got my credit report from Equifax through them, so I actually made money looking at it!! lol x

flis21

Am trying to check my report through experian, but I have to wait for them to send me a pin in the post, should be here in 5 days.

Naomim

Sorry I have no idea about credit reports and how they work. Far too confusing for me

Regarding the tummy bugs, try to eat, steamed chicken and boiled plain rice is good. Or there is the recommended BRAT diet- banana, rice, apple (stewed is good), toast. Also make sure you're not de-hydrating.

I have braved the wilds of Mr. T's with stroppy 2 year old DD. She was up for 2 hours in the night so we are all shattered. Just put her down for a nap and 20mins later she is up! Was expecting a decent hour at least.:mad:

Have a good weekend.

Naomi x

flis21

Thanks for that Naomi, I have kept some toast down this morning, just get stomach cramps after everytime I eat!!!

Might try some rice later if I feel up to it.

Feel your pain about the 2 year old. Mine didn't have a nap at all on Thurs and was sooo grumpy, it's so much fun isn't it!! That's why I like doing the shopping online. Tbh I'd pay nearly as much as the delivery cost in bus fare and I'd hate the thought of dragging my two round the supermarket!

Maybe she'll go to bed early instead for you? Have fun!
Flis x

Moobear

Have lurked all afternoon reading this and can light at the end of the tunnel for you without goiing through bankruptscy. Cant understand your credit report though - maybe you need to talk to ccc again. You are doing brilliantly though so keep up the good work.

My DH does all our finances and he does do the robbing peter to pay paul method. We are much much older and l dread anything happning to him as financially l would up the creek. Hate living like this so l am really pleased that you are getting there.

Nickyj

Greetings from Snowy Sussex (I see you are in Sussex too!!) Have been reading your thread and just wanted to say how well you are doing! You should be very proud of yourself. I had huge debts but will finally be debt free in August this year (or sooner if I can!) Keep up with the ebay, it's become a bit of an obsession with me and have made quite a bit which has gone towards my debt. will keep checking in and see how you are doing.
NickyJ xxx

pixnmix_2

Wow Flis! Haven't you done well. I've been following your progress on here and you really are amazing with your willpower and single minded determination to sort your life out. Fantastic

flis21

Thanks for the lovely messages guys. I am feeling really positive. Had a good day today, didn't spend any money!!! DS1 had a friend round to play this afternoon and we made rice krispie squares and banana muffins (using up 3 bananas that were too soft to eat). Went to free music group at the children's centre as well, which the boys really loved. Sold 2 more bits on ebay, so that's another £8 made. Just got to get to post office to send them, am hoping snow will have gone tomorrow so I can get up there.

My tummy is getting better, only had to rush to toilet once today!! Thank goodness neither of my boys seem to have come down with it, I'd much rather it was me that was ill than them.

Anyway my Tesco shop is coming soon, with all my value goodies (have discovered DS1 and DS2 like the value ginger nut biscuits that are 29p each, so that is their 'treat' now, on top of the bits we are baking). oh and did you know that value long grain rice is only 40p for 1kg!!!! I couldn't believe it. I was paying nearly £2 for 500g of basmati before. Lets just hope it tastes ok! For some reason, despite the fact that I didn't spend £40 last week, they sent me a £5 voucher, so upped my shopping a bit this week and stocked up on some bits so I could use. Shopping this week is £42 with delivery, but that's still a lot less than it used to be and I'm hardly doing any top up shops at all. This week I went to shop once for 2 pints of milk and that was it!!

Once I've checked the other credit report people I might speak to CCCS again, as I don't really know what's going on. I def don't want to contact these companies if they have just written off the debts. Would make my life a lot easier if I only have 2 to pay off!! Might be wishful thinking, although I haven't heard from most of them for so long I am hopeful!

Oh and it's Day 16 without cigs, am finding it easier now. According to my quit stats I've now saved £72.88!!!

Flis xx

Wellyboots6

Well done on day 16

Are you finding online shopping cheaper then? I am thinking of giving it a try, but wonder if I will forget things and end up doing top-up shops anyway