Small Steps Out Of Massive Debt!

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  • GeorgianaCavendish
    GeorgianaCavendish Posts: 2,387 Forumite
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    Its the first I've heard of it too, but I did a quick google and saw they have tons of bad reviews on their Facebook site from other people who have experienced the same thing after cashing out. I think that I'll cut my losses on that one, hopefully I'll hear back from them and they'll send me the £10 but I don't want to waste my time doing more surveys for them if this will happen every time!
  • JoJoC
    JoJoC Posts: 1,836 Forumite
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    I've just cashed out an Amazon voucher with 120 points and it has let me complete the request so i'll keep you updated on how it goes/ if i get a similar message. It says I should have notification within 24 hours so shouldn't be long.

    I did two more surveys to get to the cash out point but it just reinforced that I really dislike that site and the surveys it carries so once I've cashed out I think i'll just stick to the ones I know and like.
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
  • GeorgianaCavendish
    GeorgianaCavendish Posts: 2,387 Forumite
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    Well done on getting your voucher from them. I got a holding email saying responses can take 1-2 business days so lets see what happens ...

    I'm up to £14 on Prolific though :)
  • JoJoC
    JoJoC Posts: 1,836 Forumite
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    Brill! It's definitely worth it with PA!

    I've got £20.48 available and £34.90 pending :) I've also just cashed out a £15 Amazon voucher with Valued Opinions, leaving around £4 in there as a balance. It didn't take long to get to that mark. Just received it and added it to Amazon.

    Still no word from OO.
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
  • JoJoC
    JoJoC Posts: 1,836 Forumite
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    Just wanted to update you on the Oo status - I just received a £6 voucher from them and uploaded it successfully to my Amazon account.

    Hope you get clarification from them soon. Enjoy your Sunday!
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
  • Hiddenidenity
    Hiddenidenity Posts: 5,423 Forumite
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    Hope OO have got back to you?

    hope you've had a lovely weekend x
  • GeorgianaCavendish
    GeorgianaCavendish Posts: 2,387 Forumite
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    JoJoC wrote: »
    Just wanted to update you on the Oo status - I just received a £6 voucher from them and uploaded it successfully to my Amazon account.

    Hope you get clarification from them soon. Enjoy your Sunday!
    I'm glad that it has worked for you! :)
    Hiddenidenity wrote: »
    Hope OO have got back to you?

    hope you've had a lovely weekend x

    They've sent me another holding email saying that their team are looking into it ... fingers crossed!
  • GeorgianaCavendish
    GeorgianaCavendish Posts: 2,387 Forumite
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    Happy Monday everyone! I wanted to update my debt totals as I've been shifting things around over the past couple of weeks and now that I've had my July statements I can give a better picture of where everything is (I usually do this at the end of the month to take into account any over payments made, so I'll update again on the 31st)

    Total debt (excluding Student Loan) is £25,687.86

    HSBC Personal Loan : £11,362.14
    Interest rate 8.9%, 30 payments left

    Credit Card Balances

    MBNA £8610.53
    Breakdown as follows
    £264.47 @ 10.9% (rate ends November 2017) will definitely clear this before the promo rate ends
    £6015.42 @ 10.9% (rate ends May 2018)
    £1670.03 @ 6.9% (rate ends July 2019) balance transfer from Barclaycard
    £660.61 @ 6.9% (rate ends July 2019) money transfer to clear catalogue debt


    Barclaycard £4,458.69
    Interest rate 18.6%
    Will need to make sure that I make a manual payment because the balance transfers will 'cancel out' the July DD

    Tesco £997.50
    Interest rate 0%, promo rate ends September 2019
    Must remember to make a manual payment in July as I changed my statement date to align better with my paydays, DD set up from August only

    Furniture Finance £259
    Interest rate 0%, 2 payments left

    I have paid off 28.5% of my total debt :T

    I'm feeling really encouraged by the recent balance transfers, I've managed to shift £997.50 onto 0% and move £2330.64 onto 6.9% (a reduction of over 11% interest) which will really help with shifting this debt faster. I'm on course for 30% repaid by the end of August :T
  • GeorgianaCavendish
    GeorgianaCavendish Posts: 2,387 Forumite
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    £25 from Prolific sent to Circle, my first time using Circle but so far everything seems to be ok.
    No further contact from Opinion Outpost regarding my terminated account :mad:

    I've been called about a focus group on Wednesday evening, the incentive is £40. Waiting for a call back to confirm, fingers crossed that comes off! :T
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,657 Forumite
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    That's great progress GC well done.
    paydbx2024 #2 £480/£5000 . Mortgage £144k start ~ £148k Jun 23 -
    2024 savings challenge £5/£2000     EF £140. Savings 2 £30.00. Weekly savings envelope #17
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