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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 3,295Posts
    • 10,815Thanks
    monz
    Need to get myself together: The beginning
    • #1
    • 16th Sep 14, 1:38 PM
    Need to get myself together: The beginning 16th Sep 14 at 1:38 PM
    Hi all

    I am back. Short story, I was in this position before though holding a baby in my arms and his dad left us with a loan I got for him (I naively believed there was people after him) and such a bad overdraft. I managed to scrape it back and pay it all off and was on a high (figuratively) of being debt free.

    Four years on I have been left (no baby this time) and foolishly beleived this guy was decent. No need to tell me off or should have known better, believe me I am my own worst enemy.

    So now my debts are :

    £1,000 overdraft (hope to clear by Christmas or least by January)
    £200 odds Next (Yeah this is me I cannot blame anyone but myself here) I want it cleared by Christmas at least
    £5,000 loan ( I am mad I know for having got it for him and he "says"will help with this but will not hold my breath as he is already asking for more money - probably for the girl he left me for...) I hope to pay this back in 2.5 years not the 5 year plan I was given.


    Anyway, I am determined and I will not fail

    Also need to put money aside for America in May 2015. (£125 a month) and also 52 week challenge. The reason I am going to America is its my 30th and my mum and dad are paying for this.

    The first post is longer than I thought it would be I am so sorry!!

    Hopefully I will be back on track soon xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad £800/£4,000 mortgage - £83,695 o/s currently - paid £468.54 (£4.10 overpayment)
    boys bday 115/300 (£35 pending surveys) Christmas - 0/500
Page 131
    • monz
    • By monz 3rd Apr 18, 3:46 PM
    • 3,295 Posts
    • 10,815 Thanks
    monz
    Still unsure if I will even get it back this rate xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad £800/£4,000 mortgage - £83,695 o/s currently - paid £468.54 (£4.10 overpayment)
    boys bday 115/300 (£35 pending surveys) Christmas - 0/500
    • Purplemumof2
    • By Purplemumof2 3rd Apr 18, 3:47 PM
    • 6,314 Posts
    • 23,352 Thanks
    Purplemumof2
    Hi lovely,

    Boo to the house and the over payments.

    Yay to the new car Hope Arnold Clarke pull their finger out and get the settlement sorted! xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6060.00 Cap 1: £170.00 BC: £TBC

    POAMAYC 2018 #041 PD £6919.86/£7000
    Savings for Christmas £273.72/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • monz
    • By monz 4th Apr 18, 8:33 AM
    • 3,295 Posts
    • 10,815 Thanks
    monz
    Woo got my money bank. Turns out I did cancel my direct debit in time, so its been refunded into my account this morning. So I paid correctly off my holiday the right amount and thats settled.

    No doubt Toyota will complain I cancelled my direct debit but I do not own the car and will be settled by Arnold Clark . omg that was stressful but thankfully done.

    VO is at £5.40 hoping to cash out £10 argos this week before I am off next week. Therefore will have £20 and can start getting to £30 when I come back will get getting a kettle, toaster and iron (I know going wild!)

    22 days until payday

    (mood has significantly increased!) xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad £800/£4,000 mortgage - £83,695 o/s currently - paid £468.54 (£4.10 overpayment)
    boys bday 115/300 (£35 pending surveys) Christmas - 0/500
    • kindofagilr
    • By kindofagilr 4th Apr 18, 9:45 AM
    • 6,221 Posts
    • 20,974 Thanks
    kindofagilr
    Yay that's awesome hun!! I am pleased the car payment is sorted xx
    POAMAYC 2018 #87 Paid £7741.33/£12,000 ~ 55.01%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£84,580.30 (as of 31/05/18) ~ 18.99% Paid

    Christmas Savings 2018: £270 Cash ~ Amazon Vouchers: £50
    Cyprus 2019 Savings: £500/£6000 ~ Centre Parcs 2019 Savings: £0/£1500

    My Debt Free Diary (Link)
    • Dolly Rocker
    • By Dolly Rocker 4th Apr 18, 9:49 AM
    • 3,894 Posts
    • 11,206 Thanks
    Dolly Rocker
    Yay fab news!

    Dxxx
    CWP Goal Weight 25lbs/91lbs
    Debt Free Wannabe £3,269.39/£6,649.97
    3-6 Month EF, £140/£7,000
    5th August 2018 - I have 2 Nationwide Referrals available, PM me if you want £100 to switch accounts
    • abba1772
    • By abba1772 4th Apr 18, 10:45 AM
    • 4,983 Posts
    • 17,547 Thanks
    abba1772
    Still one Arnold Clark and make sure they have settled as you don't want a missed payment on your credit file especially if you are going for a mortgage application in the near future xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £4042.66
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £6627.59
    • monz
    • By monz 4th Apr 18, 1:55 PM
    • 3,295 Posts
    • 10,815 Thanks
    monz
    Oh didnt think of that!!!will do xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad £800/£4,000 mortgage - £83,695 o/s currently - paid £468.54 (£4.10 overpayment)
    boys bday 115/300 (£35 pending surveys) Christmas - 0/500
    • monz
    • By monz 5th Apr 18, 8:15 AM
    • 3,295 Posts
    • 10,815 Thanks
    monz
    Bloody great got an email from Toyota saying I missed a payment!!! I dont think the guy has settled this yet and now I am f*cked xxx

    I phoned and told I want a manager to call me back to make a complaint and paid £30 to Toyota calm me down a bit
    Last edited by monz; 05-04-2018 at 8:26 AM.
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad £800/£4,000 mortgage - £83,695 o/s currently - paid £468.54 (£4.10 overpayment)
    boys bday 115/300 (£35 pending surveys) Christmas - 0/500
    • Dolly Rocker
    • By Dolly Rocker 5th Apr 18, 8:32 AM
    • 3,894 Posts
    • 11,206 Thanks
    Dolly Rocker
    That's a nightmare so it is.

    You don't need this stress and I don't think they even realise how much of a bother this can cause for people.

    Hope it all gets sorted out.

    Dxxx
    CWP Goal Weight 25lbs/91lbs
    Debt Free Wannabe £3,269.39/£6,649.97
    3-6 Month EF, £140/£7,000
    5th August 2018 - I have 2 Nationwide Referrals available, PM me if you want £100 to switch accounts
    • abba1772
    • By abba1772 5th Apr 18, 8:36 AM
    • 4,983 Posts
    • 17,547 Thanks
    abba1772
    That's ridiculous I feel once they get a sale they don't care.......customer service from the car dealerships is very poor we are actually going through the ombudsman for our last car not holding out much hope but there service was very poor xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £4042.66
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £6627.59
    • monz
    • By monz 5th Apr 18, 8:39 AM
    • 3,295 Posts
    • 10,815 Thanks
    monz
    OMG abba what happened? Was it this scenario! After this I am not going back to Arnold Clark > xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad £800/£4,000 mortgage - £83,695 o/s currently - paid £468.54 (£4.10 overpayment)
    boys bday 115/300 (£35 pending surveys) Christmas - 0/500
    • abba1772
    • By abba1772 5th Apr 18, 9:11 AM
    • 4,983 Posts
    • 17,547 Thanks
    abba1772
    OMG abba what happened? Was it this scenario! After this I am not going back to Arnold Clark > xx
    Originally posted by monz
    No remember when we bought our shiny new car we had nothing but problems with it then in December we didn't have it for the full month because it was constantly in and out of the garage as the brakes were failing and it was just over a year old so we couldn't trust the car and then we had to get another car and we lost money on the new car so we've put a complaint into the ombudsman as we don't feel it's fair that the new car that was dodgy yet we were left out of pocket

    I think you might need to pay Toyota to keep your credit file right and get the money off of Arnold Clark .......hopefully a manager gets back to you quickly xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £4042.66
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £6627.59
    • monz
    • By monz 5th Apr 18, 12:40 PM
    • 3,295 Posts
    • 10,815 Thanks
    monz
    Off the phone to Arnold Clark they says they have settled it with Toyota the loan so I should now contact Toyota. Sent an email already so waiting.

    I paid £68.28 so hoping to hear when I get that back instead it saying I still owe £60 :/ xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad £800/£4,000 mortgage - £83,695 o/s currently - paid £468.54 (£4.10 overpayment)
    boys bday 115/300 (£35 pending surveys) Christmas - 0/500
    • abba1772
    • By abba1772 5th Apr 18, 12:53 PM
    • 4,983 Posts
    • 17,547 Thanks
    abba1772
    Ask for it in writing monz just in case they are talking rubbish even a email will do xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £4042.66
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £6627.59
    • monz
    • By monz 5th Apr 18, 2:40 PM
    • 3,295 Posts
    • 10,815 Thanks
    monz
    Aw I did not think of that. Will see if Toyota reply to my email if not I will phone back tomorrow xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad £800/£4,000 mortgage - £83,695 o/s currently - paid £468.54 (£4.10 overpayment)
    boys bday 115/300 (£35 pending surveys) Christmas - 0/500
    • monz
    • By monz 6th Apr 18, 8:32 AM
    • 3,295 Posts
    • 10,815 Thanks
    monz
    Morning. Still no word from Toyota yet. Will chase that up today on my lunch hour and about getting my £68.28 back.

    VO is at £10.15 hoping to cash that out today before on holidays next week. Going to Millport with my boy for a couple days, taking him his first climb of Conic Hill on Monday too (he wants to come with me and try... prob regret this one :P) and Dua Lipa next Thursday.

    Started my survey money so saving for Belfast with that for now, cant wait to see my little cousin and meet her baby in July. We have booked and planned the zoo and W5 (indoor and outdoor play that looks amazing!)

    20 days until payday xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad £800/£4,000 mortgage - £83,695 o/s currently - paid £468.54 (£4.10 overpayment)
    boys bday 115/300 (£35 pending surveys) Christmas - 0/500
    • abba1772
    • By abba1772 7th Apr 18, 10:54 AM
    • 4,983 Posts
    • 17,547 Thanks
    abba1772
    Fingèrs crossed the car issue gets all sorted out xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £4042.66
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £6627.59
    • monz
    • By monz 16th Apr 18, 10:17 AM
    • 3,295 Posts
    • 10,815 Thanks
    monz
    I am back!!!

    What a long week off. My son loved Millport with my friend and her boy, Dua Lipa was great also.... spent a lot too ! Also gave my friend £100 from my savings as she got a house with council and struggling so I helped her out and also gave her my £20 voucher for Argos I saved from VO. She needs this more than I do. I can always save more and get vouchers back

    payday is 10 days away (finally) and have loads I need to buckle down and save. Holiday is paid off but ideally would like to take £300 spending money with me and going to Belfast... need to save quite a bit more ahhhh! Will manage somehow.

    They have finally sorted the car finance with Toyota and closed it on the thing says I am due £302.28 rebate? Will phone them on my lunch and find out if true... if I am then £100 to savings cover the costs and rest will be holiday/Belfast.... if I do get it will phone on my lunch so will not hold my breath

    How is everyone!!!! Going to pop on to other diaries for catch up xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad £800/£4,000 mortgage - £83,695 o/s currently - paid £468.54 (£4.10 overpayment)
    boys bday 115/300 (£35 pending surveys) Christmas - 0/500
    • Dolly Rocker
    • By Dolly Rocker 16th Apr 18, 10:40 AM
    • 3,894 Posts
    • 11,206 Thanks
    Dolly Rocker
    Glad you had a good week off monz.

    God I've not been to Millport since I was a wean myself.

    Such happy memories of that place.

    I love Dua Lipa, she is my all time fave, love the song IDGAF which is quite perfect for me right now haha!

    Dxxx
    CWP Goal Weight 25lbs/91lbs
    Debt Free Wannabe £3,269.39/£6,649.97
    3-6 Month EF, £140/£7,000
    5th August 2018 - I have 2 Nationwide Referrals available, PM me if you want £100 to switch accounts
    • abba1772
    • By abba1772 16th Apr 18, 12:13 PM
    • 4,983 Posts
    • 17,547 Thanks
    abba1772
    I've said it before but your a great friend monz xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £4042.66
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £6627.59
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