New me New start, Pania's positive Progress!

redsquirrel80

pania wrote: »

Aye i sure have!! Reeeally chuffed!! haven't been out for a while due to my cough but it has finally gone so i ventured out and managed the full 3 miles without stopping!!! OK going up a hill my legs felt like lead weights but the lungs felt fantastic and not one cough!!:D

only draw back..... I now have to run further!!!!:o :rotfl:

only another 23 miles to go!! going to try 5 miles tomorrow night, just to test myself.;)

Have you been out at all hon?

Good on you for getting out there :T Nope I've not been for a run since erm... sometime in December Been walking lots though, to and from work most days and half an hour at lunchtime, adding up to about 6-7 miles a day if I do all of those. The thought of 26 miles is scary though isn't it?! :eek:

In_Search_Of_Me

well done p - I did about 2.8 miles but garmin didnt track which is annoying - out with the manual again!

pania

argh that must be soo frustrating ISOM!!! any idea what went wrong? squizz don't feel too bad, it's exercise that counts not how fast you do it!!
26 miles is a long way and having done it before doesn't help as I know just how far it is!!!!! xx

pania

quick update before bed time.

Finally had a response form welcome today with regards to the settlement figure that i had when i restructured the loan . My initial loan amount was for £1800, when i wanted to settle it and start again in July the settlement was £1932!!! couldn't quite figure that one out as i had made approxmately 1 years worth of payments to it.
Now, when i switched from abbey back to halifax i told Welcome my new bank details straight away. they didn't change them, net result £20 returned DD fee. I called as my payment hadn't gone, wasn't made aware of this and paid by card, next month the same, No DD payment taken, paid by card, not made aware of £20 late payment fee due to their (now admitted) error in swapping the DD over!!
Also when restructuring the loan i had to physically "settle" one loan prior to taking out another. Apparently 2 months interest (£140) was added on as a "penalty" for settling early.
I was not made aware of this at the time of settling the loan and as such took the new loan under a false impression. On the day the lady couldn't tell me what the amount was for. Had i have known i was paying the "penalty" I wouldn't have restructured the loan!!
So upshot is, now I have had a response, I need to write 2 letters as each was covered by a different branch and the £40 should be refunded back to me asap, and the £140 I need to argue the toss about as obviously no one recorded the conversation and we were in a room on our own at the time. Apparently though they should be able to do "something".

I have now increased my payments per month as well from £126 to £145 per month. I've been assured by a woman whos name i have that any extra comes directly off the capital and won't "disappear" I'll reserve judgement on that until the first overpayment is made and i call them!

Went to see no country for old men tonight courtesy a la film first. what a gory horrible bloodfest of a film! damn glad i didn't pay for it thats for sure!! I don't mind ghostie ghouly horrors but gratuitous violence ain't my bag!!

Also had a nice surprise when i looked at my phone and it said 15/01/2008. I was certain i still had 13 days til payday but that instantly got knocked down to 10 in the blink of an eye!! LOL.

Sold another book on amazon today to so that £9 coming back into the fold, now which debt to pay that off? hmmmm?

Right best go to bed as no doubt will be up early. Sweetdreams one and all and take care
P
xxx

pania

OOOOH and just worked out next month i will be into the 26,000's for the first time in years!!! And then end of feb i'll be into the 25's"!!!! god thats going to feel sooo good! I haven't been that low in debt for five years, that will be so fantastic it's unbelieveable!!

Right really am going to bed now. Night night

embarrassed_about_my_debt

Congrats on the good work P! Keep it up, it will be gone in no time!

pania

god i hope so EAMD!!I really bloomin hope so! I can't wait to get it down into the 24's it will feel so much more manageable then and not "abnormal" anymore!! hope that you are ok. :-)

embarrassed_about_my_debt

It'l be 24 before you know it then it will be sub 20's in no time!

redsquirrel80

pania wrote: »

OOOOH and just worked out next month i will be into the 26,000's for the first time in years!!! And then end of feb i'll be into the 25's"!!!! god thats going to feel sooo good! I haven't been that low in debt for five years, that will be so fantastic it's unbelieveable!!

Right really am going to bed now. Night night

Great stuff P, and well done on getting the loan all sorted out! :T x

pania

OK, so i've just worked out that if i make absolutely no overpayments at all it will take me 4 months to get into the 24,000's and that will be well into it. But if i manage to make overpayments then it will take 3 months!! thats what i'm going to aim for, gosh i'd be weeeeeellll chuffed!!!
So amazon, ebay and mystery shop a gogo for me then!! I will get there i will i will!!