My day started off pretty badly when I received a letter in the post explaining that one of my creditors had not received any payment from me since October. All in all £225 had gone missing somewhere as I had deffinately made the payments from my account. I was a bit angry at first and then embarrassed once I looked into it. I had mistakenly set up the payments to go to the wrong account! The company had not provided any account details to pay to, so I had set up the standing order to the only sortcode and account number I could see on their initial letter (this turns out to be the account I had defaulted on initially!). Ooops!! What an idiot.
Anyway, after topping up my mobile phone (as I had to phone a premium rate line to sort it out) I called the company to see what could be done.
It turns out that they were very helpful and accomodating. My account, for this payment is on hold, briefly, while I sort the missing payments out with my bank. I made arrangements to pay my other debts with them from next month and found out that one of my debts will be less than £10 after the last Bains & Ernst payment goes through, so I'll pay that off completely next month. Another debt will be just £265 which means that I will be able to clear that in just over 2 months.
It seems that all my debts are coming to an end and hopefully I will be clear of debt completely by the end of the year. If I had stayed with B&E that certainly wouldn't be the case as they were charging me £85 a month for the privelidge of paying through them! If I hadn't been so lazy over the last few years and sorted this out beforehand I possibly could already be debt free! That'll teach me.
So, anyway, as long as my bank can reclaim the missing £225, the horrible letter I received this morning will have turned out to be a blessing and a reassurance. How's that for being positive?
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