IA's road to becoming a CAB Debt adviser.

tigzem

immoral_angeluk wrote: »

I even have names for the heaps..

Clean clothes that need hanging up - Everest
Dirty washing - Krakatoa
Clean clothes that need drying - Mt Etna
Clothes in between either of the above processes - The indiginous swamps of the amazon jungle..

lo...:rotfl: :rotfl: :rotfl: :rotfl:

immoral_angeluk

Have just paid £502.19 off the egg card.. :T:T:T:T:T:T:T
Means that once that's cleared it'll be £235.40. Plus there's a payment of £14 to come off beginning of May.

immoral_angeluk

Current Debt

Car HP £4751
TV 0% til Oct - £955
Egg £235.40

= £5941.40


Our Debt is officially under 6k!!!! :T:T:T:T:T:T:T
We have paid off 58% off out debt since Oct 2006.

Ellidee

:j Whoo hoo hunny well done :j XX

immoral_angeluk

That Car HP is still the killer to look at though... _pale_

bandraoi

Is there a break clause in the HP agreement, where once it's half paid off you can return the car.

What would happen if you did that and then bought another car on a much much better interest rate?

immoral_angeluk

bandraoi wrote: »

Is there a break clause in the HP agreement, where once it's half paid off you can return the car.

What would happen if you did that and then bought another car on a much much better interest rate?

There is. Pay half off and return it but I'd rather just pay it off asap. That and there's no guarantee we'd get a decent interest rate..

jacs76

well done hun x

i know you have probably mentioned it before, but is there anyway of overpaying on the car at all?
we had one about 12 years ago,well it must have been as we had just got married and NEEDED a car it was always going wrong so in the end we had it voluntery repossed there was some sort of clause in tiny writing on the back the C A B helped us write all the letters off to the finace company , they wrote to us for a while saying you still owe us x y z but they realised they didn't have a hope in hell in the end.

sorry excuse the life story, i was only going to ask you a question lol

immoral_angeluk

jacs76 wrote: »

well done hun x

i know you have probably mentioned it before, but is there anyway of overpaying on the car at all?
we had one about 12 years ago,well it must have been as we had just got married and NEEDED a car it was always going wrong so in the end we had it voluntery repossed there was some sort of clause in tiny writing on the back the C A B helped us write all the letters off to the finace company , they wrote to us for a while saying you still owe us x y z but they realised they didn't have a hope in hell in the end.

sorry excuse the life story, i was only going to ask you a question lol

lol. Yea we can overpay. Asked them a while back.

chick-chick

immoral_angeluk wrote: »

I even have names for the heaps..

Clean clothes that need hanging up - Everest
Dirty washing - Krakatoa
Clean clothes that need drying - Mt Etna
Clothes in between either of the above processes - The indiginous swamps of the amazon jungle..

LOL, I like it! :rotfl:

Well done on getting to under 6k. You've done fab :T :T :T :j