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away a week and al gone wrong

been on holiday this week. all spending accounted for as oh dad gave us it.
However i have come home to bills that were balance transferred 10 days ago that still not gone through. A parking ticket that i never knew id received. My secured loan payment has bounced although i have enough money in account for this so not understanding that at all. The £39 charge i received from halifax last week has been taken out of my account already so i am now overdrawn and owe another £15. Also halifax still have not refunded charges as the court ordered them to so am still overlimit on card-even though i rang last week to sort it.
I havent received my mystery shop payment of £35 and my bonus at work didnt get paid which was £95.
I am so not happy. feels like im sinking again. I want to do this so bad so why do things keep going wrong for me?
june debt totals:
Citifinancial £11700
Morgan Stanley £860
Capital one Mastercard CLOSED
Capital one visa £1676.3
Halifax £6650
Barclaycard CLOSED
Abbey £1756.85
Dad £6625
Mbna £2282.20
Total £31550.35

£1000 in 2mths challenge £228.19

Comments

  • chevalier
    chevalier Posts: 7,937 Forumite
    Part of the Furniture Combo Breaker
    I wouldn't be upset I would be mad as hell especially about bills not being paid. That is pants.
    Ref the refund of charges. If they don't pay you can go back to court and tell them and they will instruct bailiffs to go and collects goods to the value, from the nearest branch!
    Sorry it is not going so well though
    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
  • tigtag02
    tigtag02 Posts: 6,857 Forumite
    Part of the Furniture Combo Breaker
    shamu- just wanted to send you:


    !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!{HUGS}}}}}}}}}}}}}}}}}}}}}}}}}}}}
    :heartpuls baby no3 due 16th November :heartpuls
    TEAM YELLOW
    DFD 16/6/10
    "Shut your gob! Or I'll come round your houses and stamp on all your toys" The ONE, the ONLY, the LEGENDARY Gene Hunt :heart2:
  • Midnight_Sky_2
    Midnight_Sky_2 Posts: 152 Forumite
    I know exactly how you feel - sometimes it's like wading through treacle - I very often seem to go one step forward and three steps back and it's really depressing, but I think chevalier's advice it spot on - don't get down or depressed get mad as hell and make them pay!!!!
    Midnight
    Debt £171000 - Current Debt £168883
    Between Oct 08 and Apr 09 Pay off £12k = £2117/£12000
    £2 Savings Pot = £8
  • ani*fan
    ani*fan Posts: 1,554 Forumite
    1,000 Posts Combo Breaker
    I'd agree with that too...get on the phone and give them hell. It's hard enough sorting out your finances without putting up with all that rubbish too.

    Good luck. :D
    If you know you have enough, you're rich. ;)
  • GirlRacer_2
    GirlRacer_2 Posts: 3,026 Forumite
    Good morning Shamu, are you feeling any better about all this today? Get on the phone today and chase everything up, even if you don't get anywhere you'll feel better for trying.

    The Halifax actually paid my charges in on a Saturday, so who knows they may be there when you log on this morning.

    Don't give up hun, your doing so well and everything will come together.
  • Miss_Scarlett
    Miss_Scarlett Posts: 123 Forumite
    I'm sure with a few bollocking phone calls this can all be sorted, keep strong and let them have hell. None of this is your fault, remember that.
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    :grouphug: Sorry you've come back to a pile of crap.. hope you get it all sorted out soon.
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • jo1972
    jo1972 Posts: 8,901 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Sit down this morning with a clear head, write down all the things you've got to deal with and go through them. Ring or write to all the relevant people. You will feel so much better knowing you've dealt with it straightaway.

    I'm sure if you were like me you had your head buried for a long time and you don't want to get back into that state again, things will get worse and worse. But you can stop this now by dealing with everything today.

    Dont get upset about it, be proactive and by the end of the day you'll be feeling a whole lot better!

    Good luck, let us know how you got on.

    Jo.x
    DFW Nerd no. 496 - Proud to be dealing with my debts!!
  • shamu95
    shamu95 Posts: 355 Forumite
    hi guys. thank you for your comments. have rang and noone there as its saturday. must wait till tuesday now although i have wrote some letters.
    things have got worse the toilet seat hinge has snapped, the washing machine has flooded the utility rom and the kettle lid has broke.
    Surely nothing else can go wrong?????
    That means that my argos vouchers that we had will be used on replacements. well i suppose its not actual money and we will still have about £200 left.
    Its hard not to get down though when everything seems to go wrong at once.
    june debt totals:
    Citifinancial £11700
    Morgan Stanley £860
    Capital one Mastercard CLOSED
    Capital one visa £1676.3
    Halifax £6650
    Barclaycard CLOSED
    Abbey £1756.85
    Dad £6625
    Mbna £2282.20
    Total £31550.35

    £1000 in 2mths challenge £228.19
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