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Story of Sallys Stupid Spending.....

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Comments

  • sallyx
    sallyx Posts: 15,815 Forumite
    Whoooo Hoooo
    Have just switched our energy supplier and not only will it save us over £100 a year, I did it through quidco and will get £70 back...and they give Clubcard points for every £ of your bill! Rock on, am really pleased with that I can tell you!:j
    I'll make a wish, take a chance, make a change And breakaway. I'll take a risk, take a chance, make a change and breakaway ....
    Finally Debt Free...
  • donner_kebab
    donner_kebab Posts: 1,567 Forumite
    Well done Sallyx! That's fab news! What are you going to do with the Quidco cashback? Sorry if you have mentioned this already...I have started reading from the last page back! :)
    :j 'Proud To Be Dealing With My Debts' - DFW Nerd member 866 :j
  • Sea78
    Sea78 Posts: 6,185 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    oooh that's good cashback - must look myself! :)
    CCCS DMP:Feb 07
    Total:£37,016.47 now £0 DEBT FREE FEB 14

    2022 Decluttering Campaign 49/1011
  • sallyx
    sallyx Posts: 15,815 Forumite
    donner_kebab wrote: »
    Well done Sallyx! That's fab news! What are you going to do with the Quidco cashback? Sorry if you have mentioned this already...I have started reading from the last page back! :)

    Well It will go into the debt pot Donna, won't get it until April I think but hey! Ive already got £110 waiting to be paid out to me in March from Quidco from changing House insurance and Car insurance through them.. I do it every year and sometime it can pay for the whole years policy
    I'll make a wish, take a chance, make a change And breakaway. I'll take a risk, take a chance, make a change and breakaway ....
    Finally Debt Free...
  • sallyx
    sallyx Posts: 15,815 Forumite
    SOOOOOO annoyed. Got a letter from a DCA on an old Lloyds bank overdraft I had nearly 6 years ago. In fact I haven't used the account for over 6 years and have heard nothing from them since 02. Not sure what to do.
    I'll make a wish, take a chance, make a change And breakaway. I'll take a risk, take a chance, make a change and breakaway ....
    Finally Debt Free...
  • tifnstav
    tifnstav Posts: 441 Forumite
    i am not sure but some people on here say if its been 6 years it might be statute barred.
  • ZTD
    ZTD Posts: 24,327 Forumite
    If it's over 6 years and 1 month since the last contact about it - it'll be statute barred.
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."     OMD 'Julia's Song'
  • sallyx
    sallyx Posts: 15,815 Forumite
    Im not sure it is over 6 years. The last statement I had from them before we moved was July 02. I have never had a letter but i did go into branch sometime in 03 to try and close account but they wouldn't talk to me as I confirmed my married name and acc was in maiden name. Haven't heard from them since that last statement. I would have had Royal mail post forwarding for 6 months but I never heard anything and they may have continued to send to old address? Im in 2 minds what to do, should I just call and get them to offer me a deal? or ask for copy of signed credit agreement?
    I'll make a wish, take a chance, make a change And breakaway. I'll take a risk, take a chance, make a change and breakaway ....
    Finally Debt Free...
  • fatbelly
    fatbelly Posts: 23,314 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    This is maybe statute barred, maybe not quite. I think doing nothing would be a good option.

    In any event you must be careful not to acknowledge the debt. There are more details on this factsheet but be careful
    http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=25_liability_for_debts_and_the_limitation_act

    I've just been on a course on the Limitation Act - happy to pass on what I know
  • tigzem
    tigzem Posts: 2,361 Forumite
    Hi Sally,

    How's you? I've not been online since Mon am as DD was poorly, got called back from work. She's ok now thankfully.

    x
    "Nobody made a greater mistake than he who did nothing because he could only do a little." Edmund Burke
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