Raphael's DFW Diary ~ The beginning of the End

x_raphael_xx

beanielou wrote: »

Hope u had a good night out.

It never happened, everyone cancelled :rolleyes: Though I did have a nice chilled evening at home, watching Braveheart with a bottle of red and chatting to my friend online.
On the plus I did save the £30 I was going to take out with me

Gemmzie

I love being paid for sitting doing nothing, it's the best part of holidays

x_raphael_xx

Weigh in today, 2.7 lbs lost I'm just 2.3 lbs away from the 13 stone mark and I'm determined to lose that by next Monday.

I went back to the gym today, I'd had a week off as I couldn't get the motivation up, I had to force myself to go and thought that I would end up resenting it.
So I enjoyed a relaxing week, and started again today. I think I pushed myself too hard thou, I managed the bike and rower, then felt dizzy and lightheaded, so didn't do the weights or treadmill, went for a slow swim instead. Felt good to get the blood pumping again.

The_Dragon

x_raphael_xx wrote: »

Weigh in today, 2.7 lbs lost I'm just 2.3 lbs away from the 13 stone mark and I'm determined to lose that by next Monday.

I went back to the gym today, I'd had a week off as I couldn't get the motivation up, I had to force myself to go and thought that I would end up resenting it.
So I enjoyed a relaxing week, and started again today. I think I pushed myself too hard thou, I managed the bike and rower, then felt dizzy and lightheaded, so didn't do the weights or treadmill, went for a slow swim instead. Felt good to get the blood pumping again.

Well done Raph! Oooh to be 13 stone! still I will get there someday *sigh*

x_raphael_xx

The_Dragon wrote: »

Well done Raph! Oooh to be 13 stone! still I will get there someday *sigh*

Softly softly catchy monkey You've done well to lose 27.5 lbs so far with all that's going on. Just keep plodding away

jamesd

x_raphael_xx wrote: »

Went into HFC today, the settlement figure was slightly larger than I expected, £893.78, so couldn't pay it today.

Did HFC give you a settlement figure valid on that date or one valid for up to 28 days in the future?

The current date one is the one that you want. Else for settling early they can charge you 28 days plus one month of interest instead of just one month. They get to charge interest for every day until the valid until date they give for the settlement figure.

x_raphael_xx

jamesd wrote: »

Did HFC give you a settlement figure valid on that date or one valid for up to 28 days in the future?

The current date one is the one that you want. Else for settling early they can charge you 28 days plus one month of interest instead of just one month. They get to charge interest for every day until the valid until date they give for the settlement figure.

No, that figure is valid until...*checks paperwork*...5th September. The last figure I got I paid about 3 weeks after receiving it, and they took just that amount, no extra.

I'm posting the letter on my way home from work when I finish at midnight, that means they'll get it tomorrow, and cash it next few days

jamesd

OK, so if you do use that one it looks as though you'll be paying interest until 5 September as part of the settlement amount.

Could you have paid the whole amount less 15 last week when you walked in? Wondering whether you offered to pay then and there and they gave you a 15 higher settlement figure that prevented you.

x_raphael_xx

Cheque has been posted!! Woot! :T

And today I had a date!!! She's very nice & we went for a stroll (dodging the rain drops!) and got on really well.
She's coming round tomorrow for wine and movies watch this space

jamesd

Very nice! Good luck!