Hiding your debts? Think you can cope on your own?

gemini12

Hi Rochdale Guy I have been lurking on your thread and willing you on even if I havent said anything. Well done on your first steps. It is a scary thing to do but you WILL get there and I am sure look back and wonder why you were so frightened.
( incidentally how is Rochdale these days My DH is from there but we havent been back for many years. We both atteneded college there)

Wellyboots6

rdchick I have only just realised that the picture you posted is NOT a smiling biscuit! My diet really isn't going too well!

heartbreak_star

I thought it was a happy biscuit too haha!!

HBS x

Rochdale_Guy

katy721 wrote: »

well done on taking the plunge, but also congratulations on the shiny new outlook on life you have slowly emerging

Thanks katy721

I really do feel as if a huge weight has been lifted off my shoulders! I'll say it 100 times, but it's true!

Cheers :beer:

Rochdale_Guy

gemini12 wrote: »

Hi Rochdale Guy I have been lurking on your thread and willing you on even if I havent said anything. Well done on your first steps. It is a scary thing to do but you WILL get there and I am sure look back and wonder why you were so frightened.
( incidentally how is Rochdale these days My DH is from there but we havent been back for many years. We both atteneded college there)

Cheers Gemini12!

How is Rochdale these days? In a word...."FOR SALE" :rotfl:

No, its like any other town with loads of shops closing, businesses shutting down and massive unemployment. We've lost Woolworths, TJ Hughes, The Body Shop, River Island, Burtons and even the town centre McDonalds would you believe. Yorkshire Street and the shopping centres are full of pound shops or mobile phone shops, it's pretty grim here

I walked past the Job Centre at dinner, there were people drinking, smoking, fighting, swearing and urinating on the street outside....
.....and that was just the staff :rotfl:

And that was a "Visit Rochdale in 2012" tourist advertisement, please come back!

Oh yes, the only thing thriving are the charity shops, pawn shops, high street pay day advance shops and suprisingly a new £7million Hopwood Hall College rebuild.

Bet you wished you'd never asked now? :rotfl:

Rochdale_Guy

And thanks for the 'smiling biscuit' rdchick!
LOL

Rochdale_Guy

Just kidding, it was a much appreciated "congratulations" balloon, thank you X

Rochdale_Guy

Okay, I told you my excitement wouldn't last!

One thing that is concerning me is, do you know the agreed £200 bank overdraft I have with my current bank? Yes. Of course you know! The one that I am nearly always at the limit of, and am currently at £198.99 - well, when I get paid next on the 15th Feb, that salary obviously goes into my bank account and the balance shows my salary (peanuts) minus the current overdraft amount (-£198.99) = less peanuts.

So, as I am hoping to have the new basic bank account set up, do I transfer the "less peanuts" amount into the new account, therefore leaving me with zero in the current "current" account?

So, what happens to the overdraft on it after I get paid on the 15th? I owe them nothing right, as they deduct the amount owed from the last month (-£198.99) as soon as I get paid.

So, why do CCCS say they count the overdraft as an unsecured loan when I don't owe them anything?

Forgive me if I have my thick hat right now, I'm easily confused (especially when I should be in bed!)

MFWannabe

Hi RochdaleGuy
Well done on making such a huge step :beer:

Reference the Bank Account; should you not be getting your wages paid into your new bank account? That is why CCCS count your overdraft as a debt.
I'm sure someone with more knowledge than me will be along shortly.

happycrafter_2

Hi

with us our wages went straight in to our new bank and the overdraft is on the list of people we owe, they then get payments like the rest of them.

Make sure you set up your wages to go in to your new bank asap.

have a nice chilled out weekend without worrying!!