Puzz tries again.. this time with claws... My DMP Journey. I will get debt free...

Lifeisforliving19

Its hard to know what to do with the UE debts, isn't it? We have 3 with PR* and when they told us they were UE, they said they were putting all 3 accounts on hold and we haven't paid them a penny since. That was about 10 months ago. Compared to some of our debts, these are actually quite little ones and I do sometimes wonder if it would be a good idea just to make an F&F to them and get them out of the way. Then I think no, best to put the money towards the ones that we know are enforceable and see what happens with these.
Keep us informed what happens.

Puzzcat

carbootcrazy wrote: »

Great result from the bank:j. Always good when they pay us rather than the other way round. Here's to free money:beer:


I had 2 identical letters on Saturday from L**k, one for each of my old MBNA debts that they bought. One is UE (which they wrote to tell me was when they couldn't send any CCA paperwork last year) and the other is one that is enforceable but they refused my F&F on in December. They say they've been trying to contact me (?????) as I haven't responded to their requests to set up a payment plan. I'm paying them on one of them at a rate agreed with them in December and as for the lack of contact I wrote to them 3 times in December, plus emailed them and even spoke to them on the phone. I know I could just ignore the UE one but I've still been paying them £1 a month. They haven't threatened me with the bailiffs yet but knowing what a shower they are it's probably only a matter of time:rotfl: especially as I don't plan to respond to these letters.



Do you have anywhere nice to go to show off your new hair cut? Maybe your DH will take you out:j. If he's anything like mine though he won't even notice you look any different:(

Hi CBC,

I'm not paying anything towars my 2 UE debts and don't intend to unless they provide the paperwork..!

OH didn't notice my hair and hasn't invited me out anywhere nice so I guess I will have to hope my work colleagues notice it later......

Puzz. x

Puzzcat

Lifeisforliving19 wrote: »

Its hard to know what to do with the UE debts, isn't it? We have 3 with PR* and when they told us they were UE, they said they were putting all 3 accounts on hold and we haven't paid them a penny since. That was about 10 months ago. Compared to some of our debts, these are actually quite little ones and I do sometimes wonder if it would be a good idea just to make an F&F to them and get them out of the way. Then I think no, best to put the money towards the ones that we know are enforceable and see what happens with these.
Keep us informed what happens.

I would definitely concentrate on the enforceable debts first, you can always pay off the UE one's at a later date.. or just ignore them...

Puzz. x

Puzzcat

Happy Hump Day ...

And a little bit of happy money news.. we have finally got some of the deposit back from dd's last house rental.. (contract finished in Sept). The Landlord was really greedy and didn't really want to give any back to the girls and was taken to dispute so dd got just over 2/3rds of her deposit back.... She can now use that to spend on spring break.... why don't we get spring break..?

Saves me coughing up more money from my savings you know how I hate doing that....:rotfl:

Off to meet LF and his fiancee for a drink and then best show my face and my hair in the office....:D

Love Puzz. x

[Deleted User]

Puzzcat wrote: »

Hi CBC,
OH didn't notice my hair and hasn't invited me out anywhere nice ......

Puzz. x

Men, eh? :(:(

millionaire_in_training

ploppy57 wrote: »

so did you just part cook them?

Sorry just saw this. No I can have led them fully. We’re a bit crispy on reheat but very handy all the same

Puzzcat

quick update...

Busy afternoon planned, we have 10 visits to do....:eek: and then when I get home I want to treadmill and clean the bathroom as also have weekend plans.. silly puzz...

Exercise going okay... 11 times so far this year.. haven't dusted off the wii yet.. must do that....

Diet.. umm.. well I am still only 2lbs down from New Year and that is not going to be improved by Lunch out today with colleague, lunch with LM tomorrow and then brunch with a friend on Sunday.. ho hum....

Received the compo from the bank and have tucked it into my holiday spends for October....

No other money movement.. well apart from spending...;)

11 days until payday......

Right best push on and get Friday out the way...!!

Love Puzz. x

Puzzcat

millionaire_in_training wrote: »

Sorry just saw this. No I can have led them fully. We’re a bit crispy on reheat but very handy all the same

when i did my roast potatoes I par boiled them and then roasted until just lightly brown, froze individually and then bagged up.. I used some last week and roasted from frozen in about 25-30 minutes.. mine were crispy too, but far nicer than the frozen roast potatoes you can buy....

[Deleted User]

Puzzcat wrote: »

when i did my roast potatoes I par boiled them and then roasted until just lightly brown, froze individually and then bagged up.. I used some last week and roasted from frozen in about 25-30 minutes.. mine were crispy too, but far nicer than the frozen roast potatoes you can buy....

That's exactly how I do mine, Puzz:T

We like them crispy anyway. Just as well with some of them:rotfl:

Puzzcat

Good Morning..

Well today is suppose to be the most depressing day of the year according to the good old daily mail... well I'm not going to be depressed.. I have plans...

These are my ramblings so feel free to ignore I just want to get them written down..

Having read previously somewhere that it takes 21 days to make or break a habit I am using this theory loosely on making some changes to my life..

So January was the month to start exercising.. I have done this but not as well as I could have. today is day 21 and I have completed 12 walks on the treadmill... I intend to exercise everyday for the next 21 days and also be more mindful about what I am eating/drinking. I also want to be in bed by 9pm 2 days a week. Like many others on here I am a lady of a certain age and don't sleep that well, well certainly not all night.. having a snoring OH.. again like many others means when I wake up in the night I can't get back to sleep.. going to bed an hour earlier will hopefully at least give me an extra hour...! i do try and have at least one nap at the weekend to top up, but think this will also help...

So every 10 minutes I walk on the treadmill is 1000 steps.. I have counted...:rotfl: No i couldn't possibly walk for and hour and 40 minutes to make the recommended daily of 10000 as I would go mad... but I will make an effort to do 30 minutes..

Will do a total of minutes at the end of the month, along with ...weightloss...

I was 2lb down but having eaten out 3 times since Friday.. have probably regained.. will know on Friday...

Now Money..

Generally plodding along fine.. but I do now have an additional debt... My loan from LF is ticking along and will be gone in 15 months..

I now have a cc debt of 747 pounds (sorry lost my pound sign..)

This was to cover bff and my flights for our naughty holiday I booked... I have set it to minimum payments with the intention of overpaying every month as we save.. I also have 120 pounds to chuck at it this month and will have the same next month... i will aim to pay it as soon as possible so I don't incur too much interest but don't want to part with my savings to pay it...!!! I will then recoup what is owed to me from the savings bff and I currently do.

As I said this is all mad Monday morning ramblings just for me...

Right enough for one chilly morning, although not as chilly as where dd is. .its -17....:eek: Hope she's wrapping up warm....

Off to move some washing, drink a cup of tea and do some work...

Love Puzz. x