I want to break free....

Sunday update as things feel a BIT more normal today

1. I've remembered I have a good tablet, but it needs a new charging port. Going to see if I can sell that on a local selling page, after doing a factory reset.

2. My OH is going to do a factory reset on my laptop today so that can get listed too.

3. Re-read the PPI letter again and looked into claiming the tax back, but that isn't possible as it's over £1k of interest I'm receiving back.

My only quandary about the tax is I receive a couple of quid interest each month on my savings accounts, not all are in my ISA as I never expected to be in this position.

I will have to look into that more later in the year and expect to pay a little bit of tax.

4. My brother has assured me he is doing his bank account application today, that's another £100 I will receive.

5. As I will have about £6k to play with, I will be preparing my f&f letters this week.

I'm not doing anything with the one to D2 until I receive the outcome of my CC PPI complaint in case it's upheld and offset somehow.

Not sure if they can offset when the debt was sold on but I guess I might find out!

Going to lowball D3 as at the moment it's unenforceable.

Hoping I can clear the debts for under £4k.

6. Need to look into getting a printer at home as I may not always be lucky enough to work somewhere that allow me to print personal things.

7. Once my debts are paid off I can then start a mortgage deposit and associated costs thread

Monday update:

1. No further response from D3. Wonder how receptive they will be to a F&F offer

I am thinking of:

a) 10% offer to D3 as it's currently unenforceable and if they haven't got the paperwork now they won't get it.

b) 20% offer to D2 as they quickly got the paperwork and obviously I will be long dead before it's paid off.

2. Toying with rejecting the former DMC offer and putting a counteroffer in as suggested. All helps towards the future doesn't it!

3. Checked my DPA in case the loan PPI money went in, it hasn't. They did say within 28 days but I'm just so keen to get debt free.

4. Nothing from L about the CC PPI complaint.

5. Factory reset the tablet, listed it and got an enquiry asking if it works if plugged into the wall....not sure which part of "it's not charging, the port may be faulty" the guy didn't understand!

6. Second attempt at factory resetting the laptop today and it seems to be doing it now. Once that's done it will be listed for sale.

7. Found some random items around the flat and have put them up for sale. If they don't sell I will drop them off at a charity shop up the road.

8. My brother hasn't done the bank switch application yet feel like I'm nagging him, but we both win if he does it.

Positive ending for the day:

1. I've been told one of the jobs I would like should be going live for applications very soon.

2. For some reason I am still squirrelling money away which I think is best as I do fear L will find a way of not paying me what they said.

3. Looked into reclaiming the tax, again, and if I somehow stay earning what I am currently earning I can claim most of it back. Obviously, if I stay earning what I am then it makes it difficult to buy a decent property / location. Just have to see where I am at the end of the tax year.

4. Just over a week until the monthly debt payments are made, yippee.

5. Planning my 'saving for a mortgage deposit' diary, but that is something to look forward to in the future.

Hope everyone has a good week and I will update the weekend, or sooner if anything exciting happens

Debt balances stand at:

1. £697.96 (£70pm) (CCJ)
2. £1877.60 (£10pm) (enforceable)
3. £6,819.95 (£0pm) (currently unenforceable)

Money towards debts/monthly installments stands at:

£470.39