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

Piquant_2

daily update

Had a letter from Tesco Finance about the ppi mis-selling on my loan claim, basically telling me they need more time! Another four weeks to be exact. Still investigating it apparently, not that complicated, I'd have thought. Not sure what to do, can't make them do it quicker. Should I write back and say thanks for your kind letter, hope my demands are not making your life too onerous....but I'd be grateful if you could get a move on.

I've trawled the ppi discussion forum (it's huge, and can't find any record of success in reclaiming against them. Lots about delay tactics though)

I've added a new box, look! here it is!! In short, it's the money I've saved off the monthly budgets to date, by changing supplier, stopping payments, the mortgage rate drop and the difference in minimum payments as the overall totals come down . In theory, I have this excess to throw at the debt and the car fund....

ppi removal difference 25.00
min payment diff 61.00
mortgage overpayment 30.00
phone diff 8.00
mortgage diff 90.98
contents insurance 6.00
buildings insurance 20.00
Total 240.98

ragstoricheswannabe

wow, £240 extra a month is a great figure!!!! your debts will be greatly reduced in no time............

Piquant_2

ragstoricheswannabe wrote: »

wow, £240 extra a month is a great figure!!!! your debts will be greatly reduced in no time............

...in theory it is a great idea to throw it all at the debt, but I think I ought to put some aside for the elderly car. At it's last MOT I was warned it would need quite a bit of work on it next time. I certainly can't afford a new car, so if I managed to put about £500 aside that would help. If I was lucky, I wouldn't need it all and could then throw it at the debt.

Does this seem a sensible approach?

Piquant_2

...hmmm, feel that the Captain should be considered as the model for the new Angel of the South landmark.....

Two million pounds is a lot of money, we wouldn't charge quite that much for his modelling fee...

MrsAudus2b

Piquant wrote: »

...in theory it is a great idea to throw it all at the debt, but I think I ought to put some aside for the elderly car. At it's last MOT I was warned it would need quite a bit of work on it next time. I certainly can't afford a new car, so if I managed to put about £500 aside that would help. If I was lucky, I wouldn't need it all and could then throw it at the debt.

Does this seem a sensible approach?

Fantastic news about the £240 Piq! :T :T :T I agree with putting some of it aside for possbile car repairs. Otherwise, by being too eagar to pay it off, you may end up adding to it! Just my suggestion my lovely:A

xx

MrsAudus2b

Piquant wrote: »

...hmmm, feel that the Captain should be considered as the model for the new Angel of the South landmark.....

Two million pounds is a lot of money, we wouldn't charge quite that much for his modelling fee...

Would the statue be of you on him? If so, i would advise clothes...otherwise your bits and bobs will be made of clay for all the world to see for ever more! :rotfl:

xx

Pippilongstocking

I'm with the others - brilliant on the £240 and I would stash some towards potential car issues/action you might need to sort later.xx

hampsterpoo

Piquant wrote: »

...hmmm, feel that the Captain should be considered as the model for the new Angel of the South landmark.....

Two million pounds is a lot of money, we wouldn't charge quite that much for his modelling fee...

I do hope he's not in his relaxed state like at his class. :rotfl: :rotfl:

hampsterpoo

Piquant wrote: »

daily update

Had a letter from Tesco Finance about the ppi mis-selling on my loan claim, basically telling me they need more time! Another four weeks to be exact. Still investigating it apparently, not that complicated, I'd have thought. Not sure what to do, can't make them do it quicker. Should I write back and say thanks for your kind letter, hope my demands are not making your life too onerous....but I'd be grateful if you could get a move on.

I've trawled the ppi discussion forum (it's huge, and can't find any record of success in reclaiming against them. Lots about delay tactics though)

I've added a new box, look! here it is!! In short, it's the money I've saved off the monthly budgets to date, by changing supplier, stopping payments, the mortgage rate drop and the difference in minimum payments as the overall totals come down . In theory, I have this excess to throw at the debt and the car fund....

ppi removal difference 25.00
min payment diff 61.00
mortgage overpayment 30.00
phone diff 8.00
mortgage diff 90.98
contents insurance 6.00
buildings insurance 20.00
Total 240.98

I'd save the stamp and just wait a while longer. ...

Sorry I cant see your box....?
I can see! your !! figure :rolleyes: 's, no bo!x though!!!!
Oh gosh ! I thisnk !ts cat!ching.:eek:

KTjazz

gosh, that took some catching up on!

(stalling tactics... shame on me!)