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  • FIRST POST
    • jwil
    • By jwil 27th Mar 17, 2:47 PM
    • 8,621Posts
    • 26,623Thanks
    jwil
    Onwards and downwards...
    • #1
    • 27th Mar 17, 2:47 PM
    Onwards and downwards... 27th Mar 17 at 2:47 PM
    Hey everyone

    Iíve decided itís time for a new diary. Iíve been plodding away for years, robbing Peter to pay Paul, desperately trying to keep on top of everything. Iím fed up with doing this, so at the end of last year I started a DMP with Stepchange. Having someone else do all the hard work takes so much pressure off, and I donít need to worry about it so much now. I wish Iíd done it sooner!

    There is also the ongoing saga of clearing the house which has been going on for years. We have cleared most of the stuff we inherited, but still have loads of our own stuff to clear, DH more so than me. Whilst this drives me crazy, it has been invaluable in providing us extra cash while I sell everything that isnít nailed down.

    For anyone new popping in (Hello! ) Do stick around. There is me, DH, little jwil (4) and little miss (1). We also have a dog and a cat. DH is doing temporary work at the moment whilst looking for a FT job. My job is very uncertain at the moment, so just clinging on with great hope! I thought it was ok for the next couple of years, but itís all change again now so who knows!

    I hope old friends and new will pop in now and again to say hello and give me a boot up the bum
    "If you can dream it, you can do it". Walt Disney
Page 18
    • abba1772
    • By abba1772 3rd Oct 17, 5:08 PM
    • 4,810 Posts
    • 16,737 Thanks
    abba1772
    Good luck with the f&f offer xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £983.26
    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 £4430.14
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 3rd Oct 17, 5:13 PM
    • 4,426 Posts
    • 30,731 Thanks
    HairyHandofDartmoor
    Good luck with the tax credits, PPI and f & f offer!
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • jwil
    • By jwil 4th Oct 17, 6:15 AM
    • 8,621 Posts
    • 26,623 Thanks
    jwil
    Good luck with the f&f offer xx
    Originally posted by abba1772
    Good luck with the tax credits, PPI and f & f offer!
    Originally posted by HairyHandofDartmoor
    Thanks guys
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 4th Oct 17, 6:22 AM
    • 8,621 Posts
    • 26,623 Thanks
    jwil
    I sent off a complaint a while ago, and heard it had been upheld. Today in my account is a refund of £4500

    I've moved it to my savings account while I think about what to do with it. I want to use it wisely. I am gobsmacked
    "If you can dream it, you can do it". Walt Disney
    • missymoo81
    • By missymoo81 4th Oct 17, 6:32 AM
    • 5,909 Posts
    • 20,339 Thanks
    missymoo81
    Yaaaaaay on the refund!! That's so much money. Big happy hugs to you lovely X X
    • jwil
    • By jwil 4th Oct 17, 7:53 AM
    • 8,621 Posts
    • 26,623 Thanks
    jwil
    Yaaaaaay on the refund!! That's so much money. Big happy hugs to you lovely X X
    Originally posted by missymoo81
    Thank you I was so shocked, I thought I'd be super lucky if I got £1k back! I've never had so much money in my account in my life!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 4th Oct 17, 7:56 AM
    • 8,621 Posts
    • 26,623 Thanks
    jwil
    Todays pads:

    £1.34 to Mortgage
    £5.00 to savings
    £4500 to emergency savings (!)
    £2.92 to joint od.

    3 parcels posted today. Luckily I noticed in time that I'd posted the wrong item I'm obviously a bit aflutter today!
    "If you can dream it, you can do it". Walt Disney
    • abba1772
    • By abba1772 4th Oct 17, 9:14 AM
    • 4,810 Posts
    • 16,737 Thanks
    abba1772
    Omg that's a lot of money jwil well done xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £983.26
    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 £4430.14
    • Hiddenidenity
    • By Hiddenidenity 4th Oct 17, 9:19 AM
    • 5,213 Posts
    • 26,743 Thanks
    Hiddenidenity
    Wow amazing news! I hope it helps make things easier xx
    • in need of direction
    • By in need of direction 4th Oct 17, 9:27 AM
    • 5,073 Posts
    • 29,463 Thanks
    in need of direction
    Brilliant. I'd say go for p&fs and take some of the stress out of your life.
    Mortgage at 01.01.14 £119,481.83 today £75,268.93, target £65,000 by 31/12/18 Offset fund today £247.27 target £5,500 by 31/12/18
    Emergency fund £0.7/5.5k & £200/200 cash.
    Current weight loss RUBBISH need to refocus
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Purplemumof2
    • By Purplemumof2 4th Oct 17, 10:44 AM
    • 6,153 Posts
    • 22,636 Thanks
    Purplemumof2
    I sent off a complaint a while ago, and heard it had been upheld. Today in my account is a refund of £4500

    I've moved it to my savings account while I think about what to do with it. I want to use it wisely. I am gobsmacked
    Originally posted by jwil
    Fantastic!!!
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6200.00 Cap 1: £395.80 BC: £6841.81
    AFD xxx LTW 6/16
    POAMAYC 2018 #041 PD £6288.87/£7000
    Savings for Christmas £191.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • retiredandskint
    • By retiredandskint 4th Oct 17, 11:20 AM
    • 713 Posts
    • 4,525 Thanks
    retiredandskint
    I'm jumping (as much as my arthritic knees will allow) for joy for you. That's fantastic news. It is a lot of money so you're right to think carefully about what to do with it.

    I know paying off the debt is so important but given the troubles you've had with your car, would now be the time to think about replacing it for something more reliable.

    Whatever you decide I'm sure it'll be the right decision.
    • jwil
    • By jwil 4th Oct 17, 4:28 PM
    • 8,621 Posts
    • 26,623 Thanks
    jwil
    Thank you all lovely peeps
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 4th Oct 17, 4:30 PM
    • 8,621 Posts
    • 26,623 Thanks
    jwil
    I'm jumping (as much as my arthritic knees will allow) for joy for you. That's fantastic news. It is a lot of money so you're right to think carefully about what to do with it.

    I know paying off the debt is so important but given the troubles you've had with your car, would now be the time to think about replacing it for something more reliable.

    Whatever you decide I'm sure it'll be the right decision.
    Originally posted by retiredandskint
    Don't damage your knees

    It was my first thought, but I've just spent out more money on it, and it's MOT'd until July, so I'd like to keep it going until then if I can, and longer if possible! I like my car and so I'd like to keep it going as long as possible, just would also like to have the money there to replace it if I had to.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 4th Oct 17, 4:41 PM
    • 8,621 Posts
    • 26,623 Thanks
    jwil
    Total debt:

    1. £2,301.00/ £2,288.00
    2. £8,388.00/ £8,338.00
    3. £6,892.00/ £6,878.00
    4. £4,022.00/ £4,008.00
    5. £2,380.00/£1,900.00
    6. £4,586.00/£4,568.00
    7. £4,813.00/£4,787.00
    8. £1,175.00/£596.00

    £34,557/£33,363 = 3.46% paid
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 4th Oct 17, 4:58 PM
    • 8,621 Posts
    • 26,623 Thanks
    jwil
    Right, my current thinking is:

    Clear debt number 8

    Make very low F&F on all of my debts that have been sold on which I think offhand is 3, 4, 6 and 7.

    No 2 has been sold on and they have not responded to my CCA request, so is technically unenforceable too at the moment, but that is the one I have put the ppi claim on so will not do anything until that is sorted.

    If my F&F's are accepted then but if not (and I would be surprised if they were), then either they counter a suitable amount, or I keep the money in savings until either they agree or it's there should I need to replace the car or anything else.

    Everyone is getting token payments at the moments and there is no real chance of them getting more for at least 18 months when little miss gets her free hours, so I'm hoping that will make them look more favourably on it.

    I can still think on it longer because I'll need to go self managed before I do anything so I'll probably sort out that this week now too. So if anyone has any thoughts on that or alternative suggestions, then do shout!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 5th Oct 17, 6:03 PM
    • 8,621 Posts
    • 26,623 Thanks
    jwil
    I've sent off my letters to my creditors (bar the one I am going to pay off) to tell them I am going self managed. I've also sent off the F&F to my unenforceable debt.

    I feel a bit anxious today, so I'm just going to take them one at a time. Not to mention the fact my car was playing up a bit again today
    "If you can dream it, you can do it". Walt Disney
    • missymoo81
    • By missymoo81 5th Oct 17, 6:56 PM
    • 5,909 Posts
    • 20,339 Thanks
    missymoo81
    Well done on being so sensible and thinking things through. You r got a plan and you're doing wonderfully. Xx
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 5th Oct 17, 8:59 PM
    • 4,426 Posts
    • 30,731 Thanks
    HairyHandofDartmoor
    That's great news

    Paying off as much of the debt as possible sounds like the way to go. Good luck with however you decide to spend it
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 5th Oct 17, 9:02 PM
    • 4,426 Posts
    • 30,731 Thanks
    HairyHandofDartmoor
    By the way, two of my debts hadn't been sold on but they still accepted a 50% full and final offer. Just worth bearing in mind.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
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