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Comments

  • BlueJ94
    BlueJ94 Posts: 3,183 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Morning all that follow


    I'm still awaiting to hear from Vanquis and I need to phone Likely Loans today on my lunch break as I can't afford to pay them what they want, so hopefully I can set up a payment plan with them.

    118 Money defaulted my account which is annoying as I only spoke to them a few days ago and they said they would give me time to fill out my expenditure form and return it. Not a lot I can do about it, but I'll speak to them again. 
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • BlueJ94
    BlueJ94 Posts: 3,183 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 19 April 2021 at 8:06PM
    19-4-21 Update

    So as follows;

    Fluid - £30 pm 0% = OWED (£360.67)
    Marbles ""              = OWED (£202.64)
    Aqua     ""              = OWED (542.88)
    Vanquis Awaiting a call/email to set up plan Still OWED £699.63
    Barclaycard = Minimum Payment each month 27.7% = OWED (£332.42)

    Likely loans - £60pm (3 months then review) = OWED £1078.16
    118 Money - £100 pm (need to call and change to £60) OWED = £2205.84
    Five Lamps - £1pm OWED = £801.07

    My loans are my biggest pain in the butt, so I need to tackle these asap!


     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • BlueJ94
    BlueJ94 Posts: 3,183 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    This morning I was up earlier than expected so had a breakfast and a coffee without rushing around. I then went and got petrol then sat on the phone to Vanquis, I spoke to a lovely man who agreed with me £50pm for the next 20 months and if I could afford, I could pay a little extra towards it. 
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • Parkyp
    Parkyp Posts: 883 Forumite
    Sixth Anniversary 500 Posts Name Dropper
    That’s a very good result, nice to know they are helping people in need. 

  • BlueJ94
    BlueJ94 Posts: 3,183 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Parkyp said:
    That’s a very good result, nice to know they are helping people in need. 

    Yes! I wish I had spoken to them a lot sooner!
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • BlueJ94
    BlueJ94 Posts: 3,183 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 21 April 2021 at 5:43PM
    Today I have;

    • Spoken to Vanquis and set up a payment plan of £50pm
    • Spoken to 118 Money and reduced my payments from £100 to £60pm
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • BlueJ94
    BlueJ94 Posts: 3,183 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 21 April 2021 at 6:11AM
    To do within the next hour;

    make work lunches to last until Friday dons 
    pack my running stuff for my couch to 5k run done
    check budget and adjust where needed done 
    make a cuppa done
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,257 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Sounds like you are making good progress on payment plans
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
    Save £12k in 2026 Challenge £12000/£2000
    365 day 1p Challenge 2026 £667.95/£110
    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
  • BlueJ94
    BlueJ94 Posts: 3,183 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    enthusiasticsaver said:
    Sounds like you are making good progress on payment plans
    Thank you! Hopefully know I have a definite plan I can try and pay a little more to the loans from any survey money etc 
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • BlueJ94
    BlueJ94 Posts: 3,183 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Paid £30 towards marbles today making it now £172.64 
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
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