10 years later yikes

1stTimer

Managed 1 NSD last week but not too worried about that as I also didn’t spend any money on anything I’d consider a treat.
I have to get milk etc topped up today but as long as I don’t spend the day shopping on Amazon I’ll be good.
I have had the card, pin and welcome letters through the post from TSB this week plus the many emails confirming account open but annoyingly the only letter I haven’t received yet is the activation for the online banking. Without that I can’t login or use the card so slightly frustrating.

I finally found a decaf coffee pod that I liked this week so that’s a huge win! I normally allow myself to have 2 proper coffees a day and then I have to switch to decaf as I am prone to headaches the next day if I don’t have one.
finding a good and authentic tasting decaf coffee has been hard and long so I am really happy to have found some 🥳

1stTimer

Well after sending my CCA Requests of back in February, PRA responded within 2 weeks and 1 of their debts currently is unenforceable so have been only making token payments to one of theirs. I hadn’t heard back from Intrum…
Until they sent me an email last week offering a settlement at 70% on both debts which I still think is too high, I countered at 40% and they said no so I responded and ask if they have received my CCA request.
They have just replied saying they are unable to find the agreements so both of their debts are now officially unenforceable until further notice 🍺

small win for the day! I am secretly hoping they will now drop their offer a bit more so I can pay it off and be done with it all but I will wait it out.

other than that all but 2 bills have been paid and the slow count down until next payday and things resetting begins. I must get round to doing May’s SOA at some point so I can compare to April’s

[Deleted User]

Is the amount £3883.73 in your signature your current savings or your debt figure.  I think the former but could be incorrect. You have made great progress. 

1stTimer

Hi @[Deleted User] that’s my current savings for 2025, all the money I was putting towards paying of those debts now goes into savings 🙂

[Deleted User]

1stTimer said:

Hi @[Deleted User] that’s my current savings for 2025, all the money I was putting towards paying of those debts now goes into savings 🙂

Well done you!

1stTimer

Thank you so much!

Sarahwithlove

That's a good amount of savings behind you. Hopefully they come back with a more acceptable offer

LzzyIsGod

Super impressive! Well done!!

1stTimer

Nothing new to report, this is the bit I really have a hard time with. That part of the month where absolutely nothing happens…
I suppose I should be grateful that nothing bad has popped up that I wasn’t expecting but I need something during the 2 week lull?

I will regret saying this in 2 weeks when the car goes in for work! 

Doing some surveys etc and avoiding online shopping if I can but other than that nudda happening and the wait for the monthly reset goes on

[Deleted User]

Be patient and do not wish time away!