Page 1 of 1
Posted: Thu Dec 04, 2014 1:26 pm
by MerlinL14
Today in fact [:D]. My payments are by DD not standing order, so I am going to cancel all future payments to GT. I would rather they contacted me to confirm but I know that another payment 'could' leave my account before they pull their fingers out. If it transpires they believe I owe them money I would rather me owe it them and sort it straight away rather than be in credit to them and wait months for a 'possible' refund.
Any way doom and gloom over, today I am a happy man.[:)]
Posted: Thu Dec 04, 2014 2:06 pm
by Skippy
Congratulations, that's brilliant news!
Posted: Thu Dec 04, 2014 4:39 pm
by Foggy
Excellent ! And a good plan re the payments. When I finished with GT I asked several times for confirmation that I could cancel the standing order -- never got a response, so cancelled it anyway.
Posted: Fri Dec 05, 2014 4:51 am
by luluj
Well done ...just the wait now for your completion certificate ..enjoy a debt free christmas !!
Posted: Fri Dec 05, 2014 8:57 am
by welshwiz
Congratulations, have a good Christmas and hopefully completion certificate will arrive early new year.
Posted: Fri Dec 05, 2014 9:06 am
by Struzzo39
Fantastic
Posted: Fri Dec 05, 2014 10:14 am
by linrog
enjoy very well done
Posted: Fri Dec 05, 2014 4:39 pm
by Pandy
watching this with interest as we finish in 4 months so will be interested to see how long you wait for you CC Merlin. Congratulations and enjoy a debt free Christmas.
When I finish, I am going to borrow your idea regarding payments as I don't want to wait forever for a refund of overpayment either.
Posted: Fri Dec 05, 2014 5:18 pm
by MerlinL14
Thanks for all the congrats. It wasn't easy retraining the way we spent money we didn't really have, but it was a good lesson that will be indelibly imprinted.
Posted: Sat Dec 06, 2014 11:52 pm
by linrog
too true we r just entering year 4 almost there and will never get credit again a lesson lernt
Posted: Mon Dec 08, 2014 2:32 pm
by MerlinL14
I don't think the lesson is to never get credit again, I believe it is the define knowledge learned on how to manage exactly what you can afford and not be tempted to draw on money you don't have the income to repay.
Posted: Mon Dec 08, 2014 6:41 pm
by Shining
Fab that you've finished your payments, hopefully that certificate won't take long to arrive.
Merlin's post is a good one, I've completed an IVA and have a car loan, which I can afford and do feel in control of my finances.