Three years to get debt free

Fidelia

Parkyp said:

Morning, its great when you wake up full of energy like that and just get stuck in. 

Your living room will be looking nice for Christmas (is it to early to mention that 🤫) 

Ive just walked to Tesco got soaked, so an afternoon on the sofa sounds good to me to. 

My sister works in an additional needs school there is so many staff off that they can only open the school for half days. Luckily the schools are now off for a week to hopefully they’ll be back to normal when they return.
Enjoy your day x

It's not Half Term already, is it?       Where does the time go?

janb5

Willowtree222 said:

Parkyp said:

At least it’s not your fault that your overdrawn. It is really bad on the company though, what would have happened if you didn’t have an overdraft facility x

No, it’s not, but I’ll still get charged unfortunately x

You shouldnt get charged if it`s not your fault.  Definitely worth challenging.

Willowtree222

Parkyp said:

Morning, its great when you wake up full of energy like that and just get stuck in. 

Your living room will be looking nice for Christmas (is it to early to mention that 🤫) 

Ive just walked to Tesco got soaked, so an afternoon on the sofa sounds good to me to. 

My sister works in an additional needs school there is so many staff off that they can only open the school for half days. Luckily the schools are now off for a week to hopefully they’ll be back to normal when they return.
Enjoy your day x

Never too early in my house. I bought a Christmas decoration today x

Willowtree222

Fidelia said:

Parkyp said:

Morning, its great when you wake up full of energy like that and just get stuck in. 

Your living room will be looking nice for Christmas (is it to early to mention that 🤫) 

Ive just walked to Tesco got soaked, so an afternoon on the sofa sounds good to me to. 

My sister works in an additional needs school there is so many staff off that they can only open the school for half days. Luckily the schools are now off for a week to hopefully they’ll be back to normal when they return.
Enjoy your day x

It's not Half Term already, is it?       Where does the time go?

Two more weeks for me. We break up on my birthday x

Willowtree222

janb5 said:

Willowtree222 said:

Parkyp said:

At least it’s not your fault that your overdrawn. It is really bad on the company though, what would have happened if you didn’t have an overdraft facility x

No, it’s not, but I’ll still get charged unfortunately x

You shouldnt get charged if it`s not your fault.  Definitely worth challenging.

I could send a complaint in and say they’ve put me in financial difficulty. I’ve thought about doing it as I wouldn’t be in my overdraft if they hadn’t had charged me x

Willowtree222

Still no refund. I’m going to have to phone again tomorrow. X

Willowtree222

Another week gone by, still no refund so I’m going to call them today. I’m not confident they’ll not take another payment on the 1st.

Payday has been and I’m happy I wouldn’t have been in my overdraft without that payment taken out. 

It’s my birthday next week and I usually get some chocolates and a candle so I’m not looking for treats for myself this month.

Ill be getting another £25 voucher next week too so I’ll exchange it for a supermarket and get anything treat wise I want with that too. 

My gas and electricity bill has been lowered because I’m in credit. I’ve tried to increase it again but they won’t because they said I’ll go too much money into credit. I know I won’t though as we’re approaching winter. I don’t want to end up in debt and then them double the bill but they computer won’t swap it over. 

I’m having the living room decorated this week. The fire has been completed so I need to get the rest done. It does mean my relaxing weekend will need to take things off the wall!

x

Parkyp

Morning, is it a direct debit payment, if so I would cancel just to be sure there’s no mix up. 

Maybe create a goal in your bank account for electricity/gas and put extra away - that’s what I’ve being doing just now as my old supplier went bust and new supplier only asked for meter reads yesterday but I’ve got money put away for when I get the bill through.

Will be nice getting livingroom decorated. 

Enjoy your day x

Willowtree222

Parkyp said:

Morning, is it a direct debit payment, if so I would cancel just to be sure there’s no mix up. 

Maybe create a goal in your bank account for electricity/gas and put extra away - that’s what I’ve being doing just now as my old supplier went bust and new supplier only asked for meter reads yesterday but I’ve got money put away for when I get the bill through.

Will be nice getting livingroom decorated. 

Enjoy your day x

I can cancel the direct debit I’m not confident they’ve sorted it though and I’ll end up with a default on my credit score. 

Have a lovely day too. X

janb5

Hi as Parkyp says do a belt and braces job and cancel your direct debit.  There is no reason why your credit score should be affected and if this continues you can put in a complaint to the Financial Ombudsman  for the stress of them taking unsolicited amounts and then not refunding your promptly.