Onwards and downwards...

abba1772

Does that means your ppi claim stops with them as well xx

jwil

Here is the text of the letter:

"Having reviewed the information you've supplied, we've decided that for a quick resolution to this matter we will close the account and clear any outstanding balance.

If we're reporting a default on your credit file, we will arrange for this to be removed".

It says balance: £0.00

:j :j :j

jwil

HairyHandofDartmoor wrote: »

Oh wow that's amazing :j:j If you've got it in writing then it must be true :T:T:T

I think I'm in shock _pale_

abba1772 wrote: »

Does that means your ppi claim stops with them as well xx

I have no idea. The debt had been sold on, but I assumed that any ppi would go to reduce the balance. I'm guessing it probably still will. I can't really complain I don't think!

mfmaybe

Wow! If it is indeed true then what will that do to your DFD? (Go on, I know you've checked )

in_need_of_direction

you are amazing! it just goes to show what determination can do. brilliant news. you do realise that there's more than 25% off your debt

abba1772

That's amazing your luck seems to be turning my lovely xx

jwil

mfmaybe wrote: »

Wow! If it is indeed true then what will that do to your DFD? (Go on, I know you've checked )

I didn't look last night, but I have now

in_need_of_direction wrote: »

you are amazing! it just goes to show what determination can do. brilliant news. you do realise that there's more than 25% off your debt

I know, that's so weird, but amazing! I'm in the £20ks for the first time in many years! :T

abba1772 wrote: »

That's amazing your luck seems to be turning my lovely xx

Thank you, I can't really believe it, I worry that something else is going to happen now

jwil

So here it is...

Total debt:

1. [STRIKE]£2,301.00[/STRIKE]/ £2,288.00
2. [STRIKE]£8,388.00[/STRIKE]/ £8,338.00
3. [STRIKE]£6,892.00[/STRIKE]/ £0.00 :j :j :j
4. [STRIKE]£4,022.00[/STRIKE]/ £4,008.00
5. [STRIKE]£2,380.00[/STRIKE]/£1,900.00
6. [STRIKE]£4,586.00[/STRIKE]/£4,568.00
7. [STRIKE]£4,813.00[/STRIKE]/£4,787.00
8. [STRIKE]£1,175.00[/STRIKE]/£0.00 :j :j :j

[STRIKE]£34,557[/STRIKE]/£25,886 = 25.09% paid
Savings target: [STRIKE]£19,320[/STRIKE]/£323 = 1.67% reached

Emergency savings: £2000

DFD - [STRIKE]December 2087[/STRIKE] September 2071 :eek:

Slowly but surely...

It's knocked 15 years off my DFD :T :j I've got a chance of still being alive :rotfl::rotfl:

jwil

Oooh, if by some miracle debt 2 agreed a F&F, I'd have no single debt over £5k. That would be amazing psychologically, but I can't see it will happen.

jwil

Todays pads:

£4.01 to Mortgage
£3.00 to savings
£2.09 to joint od