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Time to Change!!!!!

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  • scottswald
    scottswald Posts: 128 Forumite
    scottswald wrote: »
    i'm pretty confident that this will be everything lying around now though lol



    just found another cheque for............... a massive £8.44 lol :T
    july 2010 - £12,146
    august 2010 - £11,446
    november 2010 - £8793
    april 2011 - £6175
  • scottswald
    scottswald Posts: 128 Forumite
    i've decided to sell a few things on ebay just to get a few extra pennies and to create a little space in the garage. bedroom etc.

    i'll list them tonite and report back when they sell..
    july 2010 - £12,146
    august 2010 - £11,446
    november 2010 - £8793
    april 2011 - £6175
  • scottswald
    scottswald Posts: 128 Forumite
    my car insurance company will give me a £400 refund if i provide the document to say that my car was sorn back in march, does anyody know where i could get this document?

    maybe local government?

    i'm going to put them cheques in my account today so i can put it towards the loan. from the point when i hand the cheques into my branch, how long before the cash is available to me? immediately?
    july 2010 - £12,146
    august 2010 - £11,446
    november 2010 - £8793
    april 2011 - £6175
  • hi, i havnt been on for a little while.

    i have made other payments off towards my my loan but i have spent a little this month, DOH!!!

    i ended up buying a snake as i've wanted one for years and the chance popped up.
    july 2010 - £12,146
    august 2010 - £11,446
    november 2010 - £8793
    april 2011 - £6175
  • vasseur
    vasseur Posts: 3,090 Forumite
    Part of the Furniture Combo Breaker PPI Party Pooper Debt-free and Proud!
    scottswald wrote: »

    i'm going to put them cheques in my account today so i can put it towards the loan. from the point when i hand the cheques into my branch, how long before the cash is available to me? immediately?

    It usually takes 3 days for a cheque to clear so the cash should be available to you now.
    It's not how far you fall - it's how high you bounce back.... :j
    Happiness is not a destination - it's a journey :)
  • i havnt been on here in a while as i had a few problems and felt embarrased that things didnt go as quick as i would have liked.

    a long story short i found more debt that my ex had racked up for me, about a grands worth.

    anyway, i have had problems getting the sorn certificate so i havnt claimed my £400 ppound refund for car insurance yet but it's in post so shudnt be too long.

    i have been paying off bits and bobs and now my loan is down to £8792.50

    i have got a couple of money tins which i am going to cash in and put in loan account over the next couple of days

    i also have some scrap i plan to weigh in over christmas and hope to get around £500

    i know christmas is a big hole in the pocket but i will end up making a lot more from extra hours on the doors etc than i spend on presents
    july 2010 - £12,146
    august 2010 - £11,446
    november 2010 - £8793
    april 2011 - £6175
  • so im guessing my credit rating is pretty low after all this, any tips on how i build it up again?
    july 2010 - £12,146
    august 2010 - £11,446
    november 2010 - £8793
    april 2011 - £6175
  • why cant i get any interest or help with my thread?
    july 2010 - £12,146
    august 2010 - £11,446
    november 2010 - £8793
    april 2011 - £6175
  • sorry about the extra debt, ex's are great arent they!!! :cool:
    Total debt- 2982.00 Now- £2890.00
  • arent they just!!!

    to be honest all of this is from my ex, i didnt even apply for any loan, it was all my ex, this is the first time i have mentioned this
    july 2010 - £12,146
    august 2010 - £11,446
    november 2010 - £8793
    april 2011 - £6175
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