Let's get this sorted then!

PennysIntoPounds

Agree with @jwil you might as well go to the ombudsman as that is a big failure in the difference between what you were told and what occurred and left you stressed and powerless.
It will probably be seen as bad luck and irrelevant that you were leaving the country, but equally banks all have a code of conduct let alone advertising bumpf that shouldn't leave people without access to funds when they've done nothing wrong.
Just send a wee email and then forget about it, it's a Brucie Bonus if you get extra and if you don't at least you've flagged to the ombudsman's statistics that your bank has fallen well below expectations 

doingitanyway

No advice from me. Just a hug. Hope you feel more rested soon

rachmac3

I've used the £50 compensation to pay extra off my loan so it's done some good whatever I decide next.

dawnybabes

I’d escalate it, imagine if you’d not took the other card, your friend couldn’t lend you the money? 

£50 is a pittance for the stress it’s caused you. 

Sun_Addict

How annoying about the card, it couldn’t have happened at a worse time. It must seem extra stressful when you feel unwell. I hope you feel better soon. 

rachmac3

Eurgh. Just as I felt over the covid and went back to work the long covid flared up and I've been mostly horizontal for 2 days. It really shouldn't surprise me anymore but it still does, because I feel normal and think I can do normal things and then boomf! I'm floored for a while! 
Anyway!  Did my figures the day before payday. Started the money shuffle. Haven't contacted the ombudsman yet, couldn't face it. 
Need to update my signature.
Hopefully some mojo will come back once I'm feeling better.

rachmac3

I'm going to post my figures here as well as changing my signature, as the post will stay as a reminder when the signature continues to change. 

Debts                 04/01/25        01/10/25   

Natwest2          £6,509.97       £5,830 
NatWest CC      £7,612.74      £6,830

Lloyds CC          £6,112.60      £4,940

1st Direct CC     £176.03         £0
CC total             £20,411.34    £17,600

TSB OD             £500             £0
1st Direct OD     £600             £250
Car loan             £4,000          £4,000
1st Direct Loan  £10,684.44    £8,710
Total                  £36,195.78    £30,310

So close to that £30k milestone. I had it as my target for the end of the year but should hit it at the start of November. 

I've paid off around 15% of my debt. 

I haven't put money in my emergency fund yet as I'm doing another switch and need to keep money in two accounts until I know which one DD's are coming out of, but it's at least £400 and should be around £500 to 600 once I've put some in for this month. 

I've also worked out that since I recently started overpaying my loan (in August), I've paid an extra £125.21. Only just over half of a monthly payment but I'm still pleased with it. I'm looking forward to paying a bit more off when I can and seeing how much it drops when they recalculate it. 

PennysIntoPounds

Smashing it rachmac.
What's your thinking, get the higher amounts down more or get more of those sweet, sweet 0s onto the table and put that money saved towards the biggers?

rachmac3

Nothing straightforward @PennysIntoPounds , because I kept flitting between wanting to pay the loan down as the only thing with interest, and wanting to pay the credit cards down because they make me more nervous. 
So I overpay every credit card by fixed amount DD, but slightly overpay most of them and hugely overpay the one that the 0% ends first on (Natwest 2). I'm aiming to get rid of one CC in the summer, and just have debts on 2 credit cards and change 3 DDs into 2 payments, with a bigger overpayment on the one ending next soonest. 
I'm slightly overpaying the loan (currently 220 instead of 205) to make myself feel better, but I have made extra overpayments when I can. 
What I should actually do is get a second job and throw everything at the credit cards for as long as I can.

in_need_of_direction

Can I ask, how come the car loan remains static?