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Thanks @jwil😸
I've been looking at it a few times , and it does look positive . It seems that they have seen sense in making a provisional decision by the 246 pages in this case so far . Far better than just " we regret .." etc which I was expecting . I'm not sure of how much I would be entitled to , or if I get back pay . I'll see what citizens advice say .
Btw , listened to the Americana album by offspring and it is still very good in places , but I can see why I stopped after that . My friend gave me a greatest hits compilation on MP3 .ill check that out too if I can find it 😼2 -
Totally positive and it will be backdated so all good AC.
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 0/1000
Buffer fund 0/100
Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)3 -
Have you managed to speak with someone from CAB?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.3 -
& yes should be backdated.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.3 -
Thanks @beanielou😸
I've got time on my side etc and expect CAB to contact me in a few days or so . It could be a bit longer as I imagine they've got loads going on etc plus Easter weekend .
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It's pretty standard for it to be reviewed every two years so a year a appeal isn't surprising in all honesty. At least you know you would get 12 months without them challenging it.*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/3 -
Thanks @Sarahwithlove😼
Having checked it over , it seems I've done remarkably well in the circumstances and should accept and wait till next year . It's nice to know that it will be backdated ,but not sure how long . Whether it's 3 months or whatever .3 -
Yesterday I have been sorting out the flat once again , due to the extra space by having the monstrosity of that old boiler removed . What I did yesterday , was to make my bedroom the best it has been since I moved in . The kitchen the same . The bathroom has always been good . Living room always good . I only have to make one decision which I can change at any time : I can leave my computer in the gas / music room , or I can put that into the front room and put the 2 chair beds into the gas room. This would mean that I have everything in the front room which is the best room of the flat . I'll think about it after I've done my exercises this morning .Today is good Friday . I'm hoping that the party boy upstairs doesn't kick off again with another one . I bumped into the snoop neighbour next door who is on the board of directors of the managing agents. I let him know the score, minus the marching powder.
He doesn't like the druggie . What was interesting for me though , was that he seems to be fed up with my other neighbours . I was telling him that they've been very good over the last few weeks . Oh well. I'm just a little on edge about this weekend , hoping that the party boy behaves himself .
anyway, have a good day 🌝😼3 -
Hope you have a good weekend and the neighbours are quiet. I'll have to see if Americana is on prime and have a listen. It's nice rediscovering old music!"If you can dream it, you can do it". Walt Disney2
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Thanks @jwil😸
you too ! I may listen to green day American idiot and see if that still holds up . 😸3
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