📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

When you owe more than your annual net salary

Options
1…1213151718…23

Comments

  • Red_Athena
    Red_Athena Posts: 50 Forumite
    Photogenic
    LexieLou wrote: »
    Hello all

    Got a stroppy letter from Tesco telling me to contact them as I have ignored all calls (this is true) and they have rejected by I&E and payment offering. They have threatened debt collection agency etc. E-mailed SC as I'm away and cannot call them, waiting for a reply.

    I'm beginning to wonder if self managed would be better - I know I keep saying this - anyway

    £1.50 on shopimum...big bar of chocolate, which is currently keeping me company

    nothing budging on ebay or Etsy, but should be home on Sat and can make another run at things

    Hope you are all well. Thanks for stopping by and supporting me

    LL xx

    I keep wondering that myself! Hopefully StepChange will give you a helpful response.
  • beanielou
    beanielou Posts: 95,544 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I would say to at least stay with SC until things settle down a bit & then you hopefully dont have to deal with the same stress.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • LexieLou
    LexieLou Posts: 715 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud! Name Dropper
    beanielou wrote: »
    I would say to at least stay with SC until things settle down a bit & then you hopefully dont have to deal with the same stress.

    Kinda agree with you BeanieLou.

    I find it frustrating that some of the people I owe money too are not playing ball with SC. Anyway, hopefully when I call them I will feel better

    LL xx
    £38,000 and change to £0
  • beanielou
    beanielou Posts: 95,544 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    LexieLou wrote: »
    Kinda agree with you BeanieLou.

    I find it frustrating that some of the people I owe money too are not playing ball with SC. Anyway, hopefully when I call them I will feel better

    LL xx

    Remember they would not pay ball with you either.
    Just leave it up too SC :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • LexieLou
    LexieLou Posts: 715 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud! Name Dropper
    Hiya!

    Have a bidder on one of my ebay items
    Taking Fri off work so I can list multiple ebay things
    applied for a new job...which I'm not dying about, but its close to home and less travel and therefore more money. I absolutely love my current job, but the atmosphere at work is toxic and there are two senior managers who are keeping notes on mistakes that everyone makes - like really, who does that childish behaviour

    So fingers crossed i can get a new job and start to shift some serious debt

    Lots of Love xx
    £38,000 and change to £0
  • beanielou
    beanielou Posts: 95,544 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Positive job vibes.
    Well done on ebay.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • pidge04
    pidge04 Posts: 792 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    Fingers crossed for your job application!
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
  • lindez
    lindez Posts: 643 Forumite
    Sixth Anniversary 500 Posts
    Good luck Lexi with the new job application x
    MFWB#2
    MFTT5 #28
    Save 12k 2020 #111
  • LexieLou
    LexieLou Posts: 715 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud! Name Dropper
    So I have two interviews....whoop

    I will know next week what day and time - my diary is mega full at the min and when it suits me it doesn't suit them. Apparently a lot of people don't work on a Friday...nice if you can get it

    Sold my item on Ebay!! Whoop

    Bought a label maker ages ago and its not working, so opened a case with ebay and off now to get a new one, from an actual shop where I can go back too should there be any issues...lesson learned

    Chimney has been swept, thats it ready for the winter

    Oil is ordered, again another job ticked off the list for a bit

    ebay is next on my list of things to do..

    Phoned SC - feel a lot calmer, which is good

    Two loads of washing out on the line, a third one on.

    I'm wrecked just reading all that has been accomplished today!

    Lots of Love

    LL xx
    £38,000 and change to £0
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Congrats on the interviews fingers crossed for you xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture