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Mortgage Reduction Beginner to Novice - The Show Begins

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  • misscousinitt
    misscousinitt Posts: 3,655 Forumite
    Tenth Anniversary 1,000 Posts Mortgage-free Glee!
    Good to see you updating.

    Hope you are ok after the accident.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500

    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
  • edinburgher
    edinburgher Posts: 13,872 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I am ignorant in the ways of car insurance (for the moment, anyway). What happens when you have an accident with an uninsured driver who is at fault?
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hope you are ok after the accident MRN and are looking after yourself otherwise.
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • lulabelle1
    lulabelle1 Posts: 2,704 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Just popping in to say hello..... hopefully you've been too busy OP'ing to post... Pop back soon
  • misscousinitt
    misscousinitt Posts: 3,655 Forumite
    Tenth Anniversary 1,000 Posts Mortgage-free Glee!
    Bumping up your thread.

    Hope you are ok?

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500

    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
  • Gosh... lots to catch up on on here and I only popped in because Martin was mentioned on the radio this morning!

    What happens after you are hit by an uninsured driver? For me, it went something like this: Lots of paperwork covering the same questions over and over again. My insurer's approved repairer did not replace/repair all the damaged parts of my car. The onus was on me to prove this and I was able to eventually. Meanwhile my claim (only the excess on my insurance) went to the Motor Insurance Bureau (MIB) via a solicitor (more paperwork). With an unresolved claim and hit by an uninsured driver I somehow managed to get my cheapest ever renewal quote. Last month my cheque came through from the MIB.

    In fiscal life... we continue to OP regularly by rounding up to the nearest £100 and we upped our regular savings too this month. We're having a year off house renovations to regain some quality time together prior to MrMRN working away for 6 month next year. All other MSE activity remains high!

    I'm still stuck in a rotten job but I have had a few successes (prizes and recognition) this year and a £40 per month pay rise. There has been a gentle stream of positions/opportunities to apply for over the last few weeks... something good is around the corner, I can feel it.
    MFW: Nov 2008 £156k, Jun 2015 £129k, Jun 2017 £114k.
  • Good to see you MRN.

    You have gone through a tough time.

    Wishing you all the best for your future endeavours.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500

    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
  • Thanks MCI.

    I didn't post the half of it... within my family we've had a pretty tough year. I know others have had it worse but even the most chirpy member of the family said to me the other day that just one, little, bit of good news would be a treat. I think that's why I stopped posting because everything was negative.
    MFW: Nov 2008 £156k, Jun 2015 £129k, Jun 2017 £114k.
  • misscousinitt
    misscousinitt Posts: 3,655 Forumite
    Tenth Anniversary 1,000 Posts Mortgage-free Glee!
    To be fair MRN, I have felt the same this year. It's been rotten. BUT I have had such tremendous support from the guys here and for me, it has helped me through.

    Its not for everyone, but I hope that you will continue to post as things improve for you.

    Sending (((hugs))).

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500

    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Hope things look up soon :grouphug: - am sure a dodgy hug will help.

    GG x
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
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