Hello! Newbie!

determinedtodothis

Hey sorry didn't post yesterday for some reason my laptop wont let me!

Any how back in work today, Yesterday i spent a bit bought some plastic containers so i can get back into the habit of using my slow cooker and freeze stuff and i met a friend for dinner who i have seen for a while... cost me £20! :eek: so need to make up for it, today i'm spending as i'm out tonight and tomorrow is bill paying day so the weekend i'm staying in, saturday night i am round a friends for Most Haunted Live (she has sky, cheaper than me paying for it :rotfl: ) i'm taking some pizza and garlic bread that i already have in the freezer should be a giggle i find it very amusing that she's so scared about it all!

SO FAR TODAY

• 25p take a break free scratchcard
• 10p Little woods free scratchcard
• 12p Quidco clicks
• Got my 4th Sun Holiday voucher and filled out the booking form
• Cut out the £5.50 worth of vouchers in the Sun - might come in handy!

UPDATES

• My letter to the HP Company should arrive today telling that because they havent' sent me my CCA they can't chase me for the debt and have to accept any payments i make, Checked on line...its arrived and been signed for - its the final countdown!
• got a letter from the court to confirm Paragon have stopped any action,
• got a letter from capital one saying they will not refund any PPI as it was sold to me correctly - not sure where to go with this because i was agressively told not to cancel it so i will have a nose for another letter bit cross on that one - may be time to go down the CCA route and see exactly what i signed up for all those years ago - sent a letter and a postal order for my CCA

AIMS TODAY

• Write back to Capital one and complain Done
• Take my friend out for dinner (belated xmas pressie - going to find some where with a voucher on here)
• send off proof of my 8 years no claims to new car insurance Done
• Find my Sun bingo card and tick off the numbers Done
• Do the fly lady challenge (this is working, house looks very tidy silly really but the challenge seems to keep me focused!)

ElizabethJH

Hey - I got a letter back about my PPI as well saying I'd been sold correctly.. they said I can take it to the FO so that's what I'm going to do though! It's annoying as I did try and cancel it a couple of years ago but they never did and I don't have the proof that I did anymore!! Still - I'm going to keep sending the letters and go as far as I can with it - I didn't even know I had PPI until a couple of years ago, I've been unemployeed and just not paid my cards before!!!!

determinedtodothis

Well the guy at capital on point blank refused to let me cancel said that it would cost me more to cancel that to let it run

natsplatnat

I have always refused PPI and to my knowledge I don't have any - but I thought they acted as a kind of insurance policy. So why would cancelling cost more than keeping it? Saying that though, my OH tried to cancel his PPI and instead they lowered his interest rate?? Strange - gonna get him to try and cancel the PPI again and see what happens!

iwanttobreakfree

DTD - I just joined the take a break site but It will not give me the scratchcard - the button is there but there is no link on it - did I do something wrong?

iwanttobreakfree

He he nevermind I found it eventually!

Looks like things are still going well for you - are there any nice holiday places with the sun. Me and OH only just started collecting today (it said we still had chance to get it). Might be the only holiday we get but its better than nothing!

Where are you planning on going?

determinedtodothis

iwanttobreakfree - Glad you found it - its a bit of a funny site - sometime it wont let me open it either!

determinedtodothis

Well Today gang I Celebrate

:T :beer: :T

Officially Owe less than £17k

I got paid today and after some good shopping last week don't need to buy any food this week and I have no outgoings so i have put some money away for the bills over the next month and paid £250 to Abbey mortgage arrears and that £0 balance for them is within touching distance if i stay good and don't get into trouble as i have about 2 weeks left and then i change companies and my pay cycle goes out the window

LittleEmms

:beer: CONGRATULATIONS!!!! Well done DTDT!! You're an inspiration!!

determinedtodothis

Thanks Emms, Welcome back - how was your holidays?