The "Pay ALL your debt off by Xmas 2012" challenge - PART 3!!!

Superheavy

Avogirly wrote: »

I got the idea after watching an episode of Holby City where a girl named her cancer Raymond. On the lloyds website you can change account names, so the loan comes up as Raymond! Can't say I'm enjoying my relationship with him, but he won't be around forever!

And I'd always thought that Everybody Loves Raymond. Sad to find out otherwise.

Jakes-Mum - A 15 year savings plan should offer some really good returns, and hopefully you'll get more than you're expecting.

jakes-mum

Superheavy wrote: »

Jakes-Mum - A 15 year savings plan should offer some really good returns, and hopefully you'll get more than you're expecting.

It would be lovely if it does, but id be so disappointed if I raised my hopes up for loads more and it didnt materialise so I thought hope for £600 interest and anything extra is a bonus . Is another reason I want rid of this debt as the plan finishes in May and after waiting 15 years I dont want a single penny to go to a creditor

Kerfuffle

jakes-mum wrote: »

Well done to everyone making payments, for those with the shares maturing, I took out one of those 15 year plans out of the newspaper when I was 19 and it matures next year so I'm going to buy my first decent car without finance! I'm really looking forward to seeing how much is in there as I paid in over £6k and we had some really good interest years so we are hoping for at least £7k ? Got to give my mum £1k back as she took over the payments when I had ds for a while so I kept a record of how many months she paid so I can reimburse her (she doesn't know as I know she'll try and get me to keep it as it was so long ago, but she's having it back in pound notes so I can dump it and run before she can argue )

jakes-mum wrote: »

It would be lovely if it does, but id be so disappointed if I raised my hopes up for loads more and it didnt materialise so I thought hope for £600 interest and anything extra is a bonus . Is another reason I want rid of this debt as the plan finishes in May and after waiting 15 years I dont want a single penny to go to a creditor

Hi Jakes-Mum,

Hubby and I each took out one of 'those' savings plans fifteen years ago and ours mature in January and February 2013, and we're going to be paying Bank of Mum & Dad back with it. The plan is to write one BIG cheque for half the amount (:o), and do the Dump And Run Technique so that they can't argue.

But I've read such bad things about these savings plans. Apparantly no financial advisor worth his/her salt would advise taking out one of these savings plans as they never have decent returns, but at this stage of the game I'm just hoping for my money back , any extra is a bonus. I'm working on the theory that the small amount we've paid each month could have been wasted on booze, cigarettes, daily lattes or magazines/newspapers, if those were the sort of things we buy, which we don't :A :rotfl: . I got a surrender value last October and the amount was just slightly over what we will have paid into them by the end, so fingers crossed for us both to get something back, anything!

ETA: The 'free' calculator I got at the time still works a treat though, so it ain't all bad :T :rotfl:

mf0u1098

Well today is the end to a very horrid week. work is absolutely carp at the moment and i've had enough. Seriously thinking of packing it in. If you see menon the tv up for murder then i will have lost the plot completely today with a certain incompetent person at work!!! anyway, it gets worse this afternoon as i'm off to the dentist for a filling and i'm really scared!

I hope you're all ok and that the rain due over the next few days doesn't cause you any flooding. we're bracing ourselves for the 3rd flood in 10days at work...xxx

Superheavy

Good luck Jemma. Although my work is usually okay, the road home sometimes floods...I'm hoping to avoid a 30 mile detour this evening.

trying_hard

Having a really bad week

I returned something to a company & they didn't receive it so they took out of our account £265 without telling us they they were going to do it. 5 weeks ago they said if they didn't recieve it they would take out the money but as I didn't hear anything from them I though they had got the item but no. We don't have an overdraft so this then gave us bank charges of £34!! !!!!!!!! It turned out that they had spelt my name wrong on my email address & I didn't get any emails. They are gong to refund the £265 just waiting to hear about the bank charges, I even begged our building society to waver the charges but they wouldn't.

Also just been diagnosed with skin cancer it's localised thank god but it is on the corner of my eye near my nose so waiting for more hospital appointments now. What a carp year!

Hope everyone is feeling ok and no-one will be flooded out this weekend. :coffee:

Mrs_Addicted_to_Spending

mf0u1098 wrote: »

Well today is the end to a very horrid week. work is absolutely carp at the moment and i've had enough. Seriously thinking of packing it in. If you see menon the tv up for murder then i will have lost the plot completely today with a certain incompetent person at work!!! anyway, it gets worse this afternoon as i'm off to the dentist for a filling and i'm really scared!

I hope you're all ok and that the rain due over the next few days doesn't cause you any flooding. we're bracing ourselves for the 3rd flood in 10days at work...xxx

:mad: to the incompetent person at work and I hope dentist goes OK.

trying_hard wrote: »

Having a really bad week

I returned something to a company & they didn't receive it so they took out of our account £265 without telling us they they were going to do it. 5 weeks ago they said if they didn't recieve it they would take out the money but as I didn't hear anything from them I though they had got the item but no. We don't have an overdraft so this then gave us bank charges of £34!! !!!!!!!! It turned out that they had spelt my name wrong on my email address & I didn't get any emails. They are gong to refund the £265 just waiting to hear about the bank charges, I even begged our building society to waver the charges but they wouldn't.

Also just been diagnosed with skin cancer it's localised thank god but it is on the corner of my eye near my nose so waiting for more hospital appointments now. What a carp year!

Hope everyone is feeling ok and no-one will be flooded out this weekend. :coffee:

*hugs* sorry you're having such a bad time. Hope hospital appointment comes through soon so that you can get it sorted asap. My thoughts are with you x

Canucksfan

Ditto to what Addicted said to Jemma and Trying Hard. Sending virtual hugs your way girls x

mf0u1098

trying_hard wrote: »

Having a really bad week

I returned something to a company & they didn't receive it so they took out of our account £265 without telling us they they were going to do it. 5 weeks ago they said if they didn't recieve it they would take out the money but as I didn't hear anything from them I though they had got the item but no. We don't have an overdraft so this then gave us bank charges of £34!! !!!!!!!! It turned out that they had spelt my name wrong on my email address & I didn't get any emails. They are gong to refund the £265 just waiting to hear about the bank charges, I even begged our building society to waver the charges but they wouldn't.

Also just been diagnosed with skin cancer it's localised thank god but it is on the corner of my eye near my nose so waiting for more hospital appointments now. What a carp year!

Hope everyone is feeling ok and no-one will be flooded out this weekend. :coffee:

i'm sending you the biggest hug possible. i was going to moan about how i ended up having 3 fillings today but your post just put it all in persepctive xxx

mf0u1098

Actually, have some good news about my 3 fillings. i had 3 white ones but my friend the dentist only charged me £30 for everything!!!!!