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It's not rocket science, so why don't I get it?

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Comments

  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    whoop whoop whoop on the [STRIKE]knees,,,[/STRIKE] :rotfl:
    I mean PPI :rolleyes:

    was that a first offer ? does it work like the bank charges were they sent you an offer and then up it sometimes if you say no ? never had PPI so dont know.:confused:

    Gerroff the knees, they're ticklish.... stick to Fay's!

    Yes, it is an offer, rather than the full amount. But I'm happy to accept it, felt a bit naughty claiming it, to be quite honest. The fact that it will help clear the MBNA card is enough for me
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • hampsterpoo
    hampsterpoo Posts: 833 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Fair enough , another one bites the dust as they say
    ;) Member of change Pip's name back to PIP club ;)

    :jI've only blooming got my name on it :j
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    I have cleared the greater part of the garden!! It looks tidy if a little bare out there now. A huge pile of weeds and pruned bits is in the middle of the patio, waiting for a shredding... I don't think there'll be many pots of flowers or vegetables this year, the challenge is going to be stopping the weeds!

    That's the good bit, the bad bit. I seem to have spent a fair bit of money :eek: The patio door has come in at £200 :eek: but it's lovely to be able to see through clear glass again :D I bought new undies £25, really needed - say no more..... and.....I had a night out of drinking, eating and dancing £35:rolleyes: well spent, I think, my legs ached I danced so much!

    ...must be very economical for the rest of the month...
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • lucielle
    lucielle Posts: 11,602 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    How's the shoulder doing?
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Pippilongstocking
    Pippilongstocking Posts: 16,336 Forumite
    woo hoo to gardens :) and undies - :)
    Total debt 26/4/18 <£1925 we were getting there. :beer:
    Total debt as of 28/4/19 £7867.38:eek:
    minus 112.06 = £7755.32:money:
    :money:Sleeves up folks.:money:
  • EssexHebridean
    EssexHebridean Posts: 24,789 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Piq - Northern Rock tried it on with me on my PI reclaim - I held my ground and have now got the full amount I was entitled to heading my way. Don't feel naughty about reclaiming either - if it was a mis-sold policy then that's their fault and you are fully entitled to the money being returned to you.
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    lucielle wrote: »
    How's the shoulder doing?
    L

    Not bad, not good, I am finding riding very painful, even in walk. So I've put the Captain out on a two week holiday with his girlfriends. I was going to ask someone else to ride him for me, but he was so badly behaved about the suggestion (five handstands on the trot! :eek:) that I decided to give him a break, before he broke someone :rolleyes: He is very much a one woman horse....

    I cleared the lower parts of the garden, can't reach up to the higher parts, but a friend is coming round to help next weekend :T

    Other than that, continue exercising it and ignoring it.....
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    Piq - Northern Rock tried it on with me on my PI reclaim - I held my ground and have now got the full amount I was entitled to heading my way. Don't feel naughty about reclaiming either - if it was a mis-sold policy then that's their fault and you are fully entitled to the money being returned to you.

    That was brave of you, I just feel a bit of a fraud about it really, I haven't sent off the consent form yet, so I could go for the full amount, but it's not very much more in total.

    How long did it take after you refused their offer?

    piq
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    Update

    The statement is in for one of my other credit cards, the princely sum of £158 off it's total, but more importantly this makes the magic 25% of the total credit card amount paid off - yippee

    I've managed a nsd, just as well, with the weekend's mad expenditure. I am not going to buy any more groceries until next weekend, perhaps with the exception of milk - evil thought....could take milk home from work, there's always too much here - evil thought over, will borrow milk from work!

    Not a lot else to report, I am still filled with wonder at my clear glass patio door....
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • Pippilongstocking
    Pippilongstocking Posts: 16,336 Forumite
    Presses nose up against patio door and waves hello.

    ........runs quickly as have now smeared new door in manner of a small child

    Hammy will be here to clean it in a jiffy with his socks on
    Total debt 26/4/18 <£1925 we were getting there. :beer:
    Total debt as of 28/4/19 £7867.38:eek:
    minus 112.06 = £7755.32:money:
    :money:Sleeves up folks.:money:
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