Pay ALL your debt off by Xmas 2013

kerri_dfw

amr547 wrote: »

:mad::mad::mad: and the ec*r saga goes on!!!! they won't send OH his proof of NCB because theres 'an outstanding debt on the account' and they expect him to call their debt department on a line that costs £1 a FREAKIN MINUTE!!!!! to find out what that debt is! OH is calling Citizens Advice consumer line because they are taking the P now.

Have you tried saynoto0870.com ?

Did you cancel the DD or the policy partway through?

32b3in2013

amr547 wrote: »

:mad::mad::mad: and the ec*r saga goes on!!!! they won't send OH his proof of NCB because theres 'an outstanding debt on the account' and they expect him to call their debt department on a line that costs £1 a FREAKIN MINUTE!!!!! to find out what that debt is! OH is calling Citizens Advice consumer line because they are taking the P now.

Can you not use the renewal notice from the last renewal? The new insurance company may accept that??

XSpender

Direct debits went out today so that is another £358 off the debt. I still have the college fees to pay but the dishwasher and washing machine have both died a death this weekend so I need to find some cash to sort them out:( we have also had to move our summer holiday forward so I have 2 months less to find the spending money. It's all happening at once in our house:mad:

Rubber gloves are not an option as I loathe washing up more than any other chore and DH has problems with his skin that are aggravated by the detergent and the gloves.

#82 £2760.42/£18458 14.96% ( I think)

amr547

kerri_dfw wrote: »

Have you tried saynoto0870.com ?

Did you cancel the DD or the policy partway through?

yes the policy was cancelled because they added on a charge without explicitly stating it was an additional charge, so missold IMO.

i think the debt is the cancellation fee - it better had be!

mumsiemum

Hi everyone

I'm afraid I've been awol for almost 2 months - although I have still been reading.

My expected DFD was the end of February but due to family crisis, the death of a beloved pet and a reoccurance of my depression I went a bit mad on the spending front. The end of Feb came and I was not able to pay off my final CC. This made me feel even more of a failure and I couldn't face posting.

During March I've been trying to get myself sorted - my GP has put me on some meds and I am starting to feel better. The great news is that I have finally paid off my debt so am now officially debt free. I'm still skint though until I get paid at the end of April - but I figure its well worth throwing everything at CC to finish it off now! So - - - -

## 008 £1175/£1175 100% paid

I started this challenge at the beginning of 2012 with a debt of nearly £5600. Its been a long haul but the support on this thread and last years has been amazing - so a massive

THANK YOU!!!!!

amr547

mumsiemum wrote: »

Hi everyone

I'm afraid I've been awol for almost 2 months - although I have still been reading.

My expected DFD was the end of February but due to family crisis, the death of a beloved pet and a reoccurance of my depression I went a bit mad on the spending front. The end of Feb came and I was not able to pay off my final CC. This made me feel even more of a failure and I couldn't face posting.

During March I've been trying to get myself sorted - my GP has put me on some meds and I am starting to feel better. The great news is that I have finally paid off my debt so am now officially debt free. I'm still skint though until I get paid at the end of April - but I figure its well worth throwing everything at CC to finish it off now! So - - - -

## 008 £1175/£1175 100% paid

I started this challenge at the beginning of 2012 with a debt of nearly £5600. Its been a long haul but the support on this thread and last years has been amazing - so a massive

THANK YOU!!!!!

:j:j:j:j:j:beer: well done!!!!!!!!!

32b3in2013

mumsiemum wrote: »

Hi everyone

I'm afraid I've been awol for almost 2 months - although I have still been reading.

My expected DFD was the end of February but due to family crisis, the death of a beloved pet and a reoccurance of my depression I went a bit mad on the spending front. The end of Feb came and I was not able to pay off my final CC. This made me feel even more of a failure and I couldn't face posting.

During March I've been trying to get myself sorted - my GP has put me on some meds and I am starting to feel better. The great news is that I have finally paid off my debt so am now officially debt free. I'm still skint though until I get paid at the end of April - but I figure its well worth throwing everything at CC to finish it off now! So - - - -

## 008 £1175/£1175 100% paid

I started this challenge at the beginning of 2012 with a debt of nearly £5600. Its been a long haul but the support on this thread and last years has been amazing - so a massive

THANK YOU!!!!!

WOOHOOOOOOOO. This is absolutely fantastic. WELL DONE :j:T:j You should be really proud of yourself xx

Your news has now tipped me over the edge, I was close to a few tears when I cleared 2 of my debts this evening, and now, the tears are flowing

Fleurlur

Just paid £80 off Very...then promptly added on £449 on a buy now pay in 12 months for my laptop so hmm, can I leave the new BNPL off my figures for now being as it's 12 months away? ETA: Doh it was £89 off not £80!


My new total is...


#135: £632/£1195

amr547

i may have to go to bed soon, i'm absolutely exhausted after the kerfuffle with insurance!!!

Newlywed_Saving_Ninja

Brokenpromiseland wrote: »

Have not been able to make any payments so far even when I got payed:eek:

It isn't always possible, life sometimes gets in the way, but don't feel too bad about it, there is always next payday xxx you WILL get there xx