This is my year! - LP's 2008 Debt Free Diary

Little_Pickle

Double post....... see below

Little_Pickle

Hi guys!

Well, I called Barclaycarp and have been told that they can't change any of my APRs...

Even after I threatened with leaving / doing a balance transfer to another card (this is my only card and no others will have me - so a little lie) they said, well, that's up to you, but there's nothing available to you...

so it still stands..

CASH - 21.9% APR
PURCHASES - 17.9% APR

Oh well... roll on the refund from my flights so I can close the card once and for all!

Hope you're all well today!
much love,
LP
xox

embarrassed_about_my_debt

Sorry to hear that Honey, did they put you through to a retentions department or was it just the first person you spoke to?

Little_Pickle

that's okay.. it was worth a shot... it was the only person I spoke to... I asked to speak to someone else but was told that there was no-one else to speak to that ould give me a different answer...

hope you're smiley today!
LP
xox

lilmissmup

Shame about Barclay card! Greedy sods :rotfl:

Little_Pickle

I know! I just can't wait for the refund to come back, and to pay the balance.
I've saved a couple of hundred for the rest of what should be on the card after the refund.

My plan is, get to work, see that refund has gone in, then call them up straight away, ask for balance including interest and say, 'right, I'd like to pay the full balance and close the credit card NOW please!'

ooooo! I can't blinkin' blonkin' wait!

LP
xox

Little_Pickle

Just called the airline to see when the refund will be paid and they have said it will be any time within the next month... better than nothing I guess!

they also confirmed that I will get £951.90 back

After that comes back I will owe £247.10. I am planning to put £50 per week onto my card until the refund is cleared. Then once the card is refunded I will call up and wipe out the rest.

If the refund happens before 20th Feb, I will only have to pay an extra £28 for interest...

that's all for now...
LP
xox

Little_Pickle

Morning!

Here's my update for payday...

Credit Card - [STRIKE]£1,199.10[/STRIKE] £1,149.10 (after refund should be [STRIKE]£247.61[/STRIKE] £197.20)
Old Overdraft - [STRIKE]£212.50[/STRIKE] £204.55
Mum & Dad - £1,250.00
TOTAL DEBT - [STRIKE]£2,662.11[/STRIKE] £2,630.60 (after refund should be [STRIKE]£1,709.70[/STRIKE] £1,678.60)

Doing okay I suppose, but the £30 interest this week put me back a bit... nevermind, to be expected!

Very happy that I've got under £200 to pay on my credit card (once the refund comes back) WOAW! that's really exciting! :T

Big love to all!
LP
xox

embarrassed_about_my_debt

well done LP! :T

Your doing really well! Keep up the good work!

You got much planned for the weekend?

Little_Pickle

oh yes! Mum got made redundant at the end of last year (it was expected for 2 years!) and we are celebrating... she's buying us a holiday!!! just me and her.. her treat! How great is that?

We're going to book it this weekend...

you?
LP
xox