A Payment A Day Part 4

Paulgonnabedebtfree

Hopeful1 wrote: »

Have popped home to a letter saying after 18 months of serious letter writing and lots of waiting, MBNA have finally agreed to repay hubby's PPI plus compensation for the distress caused FOS have outlined how they need to calculate the payments so we don't have an exact at the mo'. Anything is a bonus, especially with baby on the way and us needing to move!!

Yay for good news :j

Well done, Andy on your weightloss, although i suspect tooth extraction is a rather severe approach to a weightloss diet!!

I don't know how this is with MBNA these days but they really used to push their credit card PPI very hard. Some years ago I received three telesales calls in a week from them. On the third one I declined, shall we say, a bit sharply. In spite of my three refusals, it still appeared as an item on my next MBNA bill. I phoned up and went totally ballistic at them. The milder words I threw at them were con artists and scammers. No point typing the worse ones as the board censor would edit them anyway. However, I wonder how many customers had sneaky PPI applied to their account(s) and never noticed.

mooomin

Morning all!

Back to normality after the dizzy heights of payday with a PAD of £2

cashless_wonder

Morning all . . . Just a quicky as I'm supposed to be starting work early this morning . . .

£7.51 from me . . .

See y'all later

dankosheemo

:hello: Hey everyone!

Woo lots of sunshine today! I think it's lunch out on the grass this afternoon, what a treat. Hope everyone's doing OK - just think it's HUMP day!! :j The weekend is nearly upon us

Oo thanks boysma! Good luck for tonight but sounds like you've done lots of lovely things so I'm sure you'll do fab

Hope everything's OK Twinkles?

Hope you had a lovely holiday Maisie, welcome back! Did you go anywhere nice?

Cracking bargain shopping there for your Neil Young trip cashless, hope you have a fab time

Good result for Murray in yesterday's tennis for you Andy!

macgirl, I always ask Terri how she does it! :rotfl: I'm doing SW, a few of us are and you just get to eat lots and lots and somehow it seems to be doing something! Think it's something about keeping your proteins and your carb foods separate so carbs day or a protein day and so on if that makes sense. Well done on the fleBay money! You must be proper chuffed with that :T

Sorry if I've missed anyone. Hope you're OK Terri, we missed you yesterday!
£1 for me today to the ol' Barclaycard. Only 21 days until our divorce!! Tried to apply for other BT cards and I can't get anything so I'm stuck with the 34.9% rates on Virgin on the ridiculous, raah!

Right, brew time and off to work we go! Have a lovely day in the sun everyone!
xx

mooomin

dankosheemo wrote: »

Tried to apply for other BT cards and I can't get anything so I'm stuck with the 34.9% rates on Virgin on the ridiculous, raah!

Can you BT part of your Virgin balance onto your Barclaycard?

dankosheemo

flying_fresian wrote: »

Can you BT part of your Virgin balance onto your Barclaycard?

When I spoke to Barclaycard last they said they could only offer me just short of £1,000 (95% of) but only have the 0% rate until December. Hardly seems worth it for the £3,200 balance I have. PLUS I ain't going to be earning after August... Tricky to do the juggling when no-one wants to give you anymore debt! :rotfl:
xx

SueP19

Hi Guys

My pad for today is £5.42

Diet wise, going ok..................................more salad and stirfry!!! hehe But needs must, was 18st 2lbs :eek: on Sunday, actually it wasn't as bad I thought, I did think the scales would go over the limit and ask me to politely "get off":rotfl:

jo41

Morning all,
Happy Hump Day!
£10.24 to Barclaycard for me today. I need to do some serious number crunching today as I did do some sneaky spending while I was away I am going to get most of it back though so hopefully the dent in the finances will only be temporary.
Have a great day all.
Jo x

Hopeful1

Paulgonnabedebtfree wrote: »

I don't know how this is with MBNA these days but they really used to push their credit card PPI very hard. Some years ago I received three telesales calls in a week from them. On the third one I declined, shall we say, a bit sharply. In spite of my three refusals, it still appeared as an item on my next MBNA bill. I phoned up and went totally ballistic at them. The milder words I threw at them were con artists and scammers. No point typing the worse ones as the board censor would edit them anyway. However, I wonder how many customers had sneaky PPI applied to their account(s) and never noticed.

Hubby took the card out many moons ago in an airport!! He had ticked no to the PPI but they charged for it anyway. At one point i'd noticed and they were asked to cancel it and refund. They refused to do the latter but did cancel it. After all the hooha about PPI it seemed worth trying to reclaim again. Their reason for refusal has been that hubby agreed to it on the 'phone(which hubby can't remember doing) but they had no proof anyway.

FOS have not been happy with them and it's gone all the way to the top ombudsman. Many letters have been written to counteract MBNA's desperate attempt to wriggle out of it. When MBNA sent the account to a debt collector in the middle of the process, FOS were made aware of hubby's struggle with depression and the impact it was all having. Again FOS were great and ordered them to recall the account, as well as pay compensation for the distress.

It was worth persevering and thank goodness for FOS, as i think this would have ended up in court otherwise.

Hopeful1

Well done Danko on losing that 1lb of pizza I notice you've only got 3.5lbs to go - well done you!!

Thank you for all the congrats re the PPI claim. It's good to have something money related to celebrate for a change

£10 friend

TOTAL PaD £10

Paul, your 'tub thumping' PaD made me chuckle!!