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Becoming a taxi driver to pay off all my debts and avoid bankruptcy, my diary

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Comments

  • JPS29
    JPS29 Posts: 1,607 Forumite
    Hi Kim,

    WOW, just seen how much you got written off!!:beer:

    Hopefully I can get the same outcome. Just after some extra top up money if I can get it really as I am on my ar se at the moment:rolleyes: .

    Ahh the fun of Lloydstsb again today. Went into branch. They rang the loan centre who put a note on the account so I could ring up. Got home, rang them up and lo and behold...........they cant help me:T
    The loan was refinanced by the collections dept 2 and a half yrs ago and they put me on a special low interest rate, if the loan centre got involved it would jeopardise this and end up costing me more(so they said) I now have to wait for the loan to be passed to collections, possibly Friday, maybe Monday then discuss it with them. Ludicrous innit, you want to come to an arrangement to pay them and they don't want to know:mad:

    Positive things done today:
    Posted on another forum re tax credit issue
    Put 3 items on Ebay
    Updated signature with ebay and Paypal earnings.

    Doing my last bit of revision for the final exam tomorrow:eek: hopefully all will go well. Will keep you all posted.

    Oh another bit of good news, got a renewal notice of direct line for a car I got rid of in Feb, phoned them up as I'm sure i had cancelled it. yep i had but as i hadn't sent the insurance docs in they hadn't actioned it:doh: Good news is it was paid in full so I'm gonna get it backdated to Feb £92 quid coming my way.:D
  • just wanted to wish you a huge good luck for your final exam tomorrow, I am sure you will breeze it!!!
  • kimlisa66
    kimlisa66 Posts: 128 Forumite
    Evening ITBS

    Yes the 19.6 and a bit K was entirely their fault due to their software failure, but for 5 years they tried to make be be their scapegoat. As I didn't have the b**lls, savvy or will to challenge it, I let it hang about for 5 years hoping it would go away. It didn't until I became proactive, then it did go away !

    Now I'm looking for compensation !

    Well done on all your positive steps and bits of luck that keep finding their way into your pocket and best of luck with the exam, although luck is only 1%, its the determination and bl**dy hard work that gets you through !

    Keeps us posted

    K x
    Various CC's 1.2k down £800 Overdraft £1.5 down £2000 loan 1.5k last payment made today Tax Credit overpayment (HMRC mistake!) £19,5k written off !
  • JPS29
    JPS29 Posts: 1,607 Forumite
    Cheers

    Having a 10 min break from the revising, so much its going in one ear and out the other:rotfl:

    I have just thought, how good would it be to post at least one positve thing i have done EVERY day on my diary????? What do you think. at least that way it always finishes on a good note (so I dont depress anyone:p ) and gives me a kick up the jacksie to do at least 7 positive things a week.........
  • Good luck for tomorrow mate. I am sure that you will sail through it.
    £2 coin/ £46
  • kimlisa66
    kimlisa66 Posts: 128 Forumite
    Oh yes definitely one positive thing everyday rather than focussing on the negatives.

    Its not what happens to you, its how you deal with it, remember :-)

    Right, got to do a shopping list, I'm doing the catering for my friend's 40th on Friday....apparently I have a knack.....might be a potential career change for me there !
    Good job I have food hygiene certificate though, don't want anyone going down with botulism, now that would be a problem lolol

    Nite and good luck tomorrow

    K
    Various CC's 1.2k down £800 Overdraft £1.5 down £2000 loan 1.5k last payment made today Tax Credit overpayment (HMRC mistake!) £19,5k written off !
  • Wol2
    Wol2 Posts: 3,845 Forumite
    Part of the Furniture Combo Breaker
    Inspirational ITBS...That's what your thread is!!

    Good luck for tomorrow...I'm sure you'll succeed!!

    Had to suddenly pull my belt in from march this year after my employment contract ended...your thread has deffo given food for thought.

    Wishing you every success in your new endeavours..and multo hugs and thoughts if it ever gets a bit grim.

    Stick with it...you WILL succeed!! And remember we are all here supporting you.

    hugs and more hugs
    Wol2
    xxx
    Flooded 20/07/07 :(.
    Normal service FINALLY RESUMED 31/07/10 :j:j
    " It is a mistake to think you can solve any major problems just with potatoes." Douglas Adams...."or the FOS" Wol2
    Numptie groupie #2 :cool:
    Mortgage offset drawdown [STRIKE]£60861[/STRIKE]:(.... [STRIKE]£60074[/STRIKE] [STRIKE]£59967[/STRIKE] £65k 'ish 1/6/14

  • JPS29
    JPS29 Posts: 1,607 Forumite
    :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j
    PASSED THE EXAM!!!
    :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j

    No more training courses/exams, woo hoo:T

    Only just got in so will write my daily post later, just bursting to tell you all.

  • lucielle
    lucielle Posts: 11,462 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done ITBS, I have subscribed to your thread and enjoy reading your postings. Keep it up

    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • kimlisa66
    kimlisa66 Posts: 128 Forumite
    Brilliant news, well done, and here's to a promising future for you, debt free eventually !:beer:

    Kim
    Various CC's 1.2k down £800 Overdraft £1.5 down £2000 loan 1.5k last payment made today Tax Credit overpayment (HMRC mistake!) £19,5k written off !
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