DMP & Mutual Support Thread - Part 9

Hopelessly_Hopeful

Growurown wrote: »

Woohoo! I am celebrating! Just had a call from Halifax to say after our complaint to the FOS they are refunding all interest and charges for the last year amounting to £1,131.46

We don't see the cash obviously it will come off our balance, but it has reduced the outstanding debt by 25% approximately.

Ooh I think I deserve a celebratory beer tonight :beer:

Fantastic news, you have made my weekend


HH xx

Puzzcat

Growurown wrote: »

Woohoo! I am celebrating! Just had a call from Halifax to say after our complaint to the FOS they are refunding all interest and charges for the last year amounting to £1,131.46

We don't see the cash obviously it will come off our balance, but it has reduced the outstanding debt by 25% approximately.

Ooh I think I deserve a celebratory beer tonight :beer:

Well done, lovely news for a soggy friday... x

Pappa

My 3rd review today and all done on line without talking to a person!


All figures put in and will be clear in 10 years !! Although my figures and yours should also be, a nearer payoff in five.


For all you 'Newbe's'...this is the best thing that you could have done...face the facts, figures and go for it. You are just a number, like me and to show that you are prepared to face the fact that you and I have messed up in the past and to do something about it is a credit.


Hang in there, go with the flow and believe you me, once you get going, the going don't get tough. (Wasn't that a song back in the 80's...Billy Ocean !!)

Pickle29

Wow, well done Growyourown :T and totally agree with Papas sentiments for newbies!

Today I accepted a goodwill offer from Barclays regarding interest charges. It wasn't as much as Growyourown but still several hundred pounds off our overdraft debt and we were very pleased to get some recognition. :T:T

I have spent the afternoon updating my spreadsheets, it's such a good feeling seeing the numbers coming down. It's only our third month and still getting to grips with checking my bank and updating my money book all the time so that I don't get any nasty surprises! :beer:

Pappa

By the way, as I have passed from the original forum to this wonderful one, I had my LBM back in 2010, with a debt of £68,950...three years later and nearly 13K paid off, still going strong. Always try and add a few quid each year to your payments on review day and they will leave you alone.

Time_to_face_the_music

Growurown wrote: »

Woohoo! I am celebrating! Just had a call from Halifax to say after our complaint to the FOS they are refunding all interest and charges for the last year amounting to £1,131.46

We don't see the cash obviously it will come off our balance, but it has reduced the outstanding debt by 25% approximately.

Ooh I think I deserve a celebratory beer tonight :beer:

Best news I have had in ages, I am absolutely delighted GUO :j

Growurown

Thanks everyone, it is nice to have a win once in a while! And thanks to everyone in this thread whose advice and successes spurred me on to complain in the first place:beer:

Pappa

For all you 'Newbe's'...this is the best thing that you could have done...face the facts, know your figures and go for it. You are just a number, like me, show that you are prepared to face the fact that you and I have messed up in the past and to do something about it is a credit. This is one of the best things that I should have done years ago..You watchers...let's go ..............

digley

Growurown wrote: »

Woohoo! I am celebrating! Just had a call from Halifax to say after our complaint to the FOS they are refunding all interest and charges for the last year amounting to £1,131.46

We don't see the cash obviously it will come off our balance, but it has reduced the outstanding debt by 25% approximately.

Ooh I think I deserve a celebratory beer tonight :beer:

Well done ! Halifax are the only creditor still charging me interest. They have reduced it by a whole 1%. What did you base your grounds for complaint on ?

jubilee14

Congrats GUO good to see hfx getting it stuck it to them and giving you some of the interest back too. HOpe that brings the DFD closer.