Another awakening

Reformed_Money_Waster

jobbingmusician wrote:

There is a thread somewhere on this board which stresses that you CAN cancel PPI after the 30 days.

Thank you so much. I've found the thread and had a good read, and it does seem that with some perseverance that I can indeed cancel my PPI. Even better I may also be able to claim back the amount I've paid so far. Excellent! :beer:

Locana

Well done! Haven't got any useful advice, but can offer support. No doubt you will get good advice from the others on this board!! Welcome to MSE..

skintchick

On the lloyds account - make sure they put you on the free one that pays big interest, not the measly one! Not sure what they are called but I had the rubbish one for years and they never told me there was a better one till I wanted to switch to A&L! Then they were keen to let me know!!

Reformed_Money_Waster

Right, if nobody minds I'll be updating this thread every so often for my own benefit so I can see what I have done to improve my circumstances.

So far since my first post here yesterday morning I've:

Cancelled my washing machine insurance with Domestic and General, saving £89.80 a year.

Switched from TalkTalk to Primus for my after 6pm landline calls.

Switched from Call18866 to a combination of Call18185 and Call1899 for daytime landline and mobiles calls.

Opened up a new current account online with A&L.

Opened up a new savings account with ING Direct so I can budget for birthdays, Christmas and other regular expenses.

Sent a letter of complaint to Lloyds TSB asking for removal of PPI from my loan.

Kept up with my spending diary for two straight days so far.

Added another £2 coin to my collection.

CLAPTON

i've just come across this thread and I think you are an absolute STAR.

Nevertheless I think if you should consider providing more information before people can really advice and give good suggestions

I would suggest you post a Statement of Affairs (SoA) here and people will give advice.

If you browse the bulletin board you will see examples but the general format is

: statement of income:

: statement of expenditure
this should be quite detailed but excluding debt repayment
: a subtotal to save us all having to add it up

: statement of all debts including
outstanding amount, monthly repayment , APR
a subtotal to save us having to add it up

also add a brief details of you situation, partner, any children, rent or own property, value of house and mortgage, any special circumstances that are relevant