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Thats another fine mess I got myself into

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  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    A NSD for me tody and my first day back at work which is good. DH gavr me money he owed our joint account (last week I loaned him money for the business) and of course I forgot my bank card so its still in my purse!

    Still waiting for VAT rebate, which is taking forever. It's all gone anyway.

    Anyone any comments on the PPI claims?
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Bet it was lovely to come home to a quiet house.
    Sorry don't know anything about PPI as never had PPI on my loans but guess someone will know the answer.
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    taxi73 wrote: »
    Bet it was lovely to come home to a quiet house.
    Sorry don't know anything about PPI as never had PPI on my loans but guess someone will know the answer.

    Delightful!
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • Sorry Red not much good with PPI. I've reclaimed but I've always got back the amount I've paid in plus 8% interest.
    12/04/2019
    Savings £134 nothing changed here
    Credit Score 134/700 - Jan. 171/700 - Feb. 151/700 - Mar.
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Very well done on the no smoking, if you can handle having someone smoking around you for a whole week you definately have the will power not to go back to it x
    LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)

    Barclays: £2,928.34 Lloyds: £2,499.60
    MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00

    Surveys: £6.60/£40.00
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    But I do miss them like crazy - the fags that is!
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • We know you do chick but think of the benefit to your health and your pocket :)
    12/04/2019
    Savings £134 nothing changed here
    Credit Score 134/700 - Jan. 171/700 - Feb. 151/700 - Mar.
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Oh I know I know and I do not want to have to repeat the last 2 weeks!
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • Herewego
    Herewego Posts: 2,541 Forumite
    Hi Red,

    Well done on surviving the last week and the no smoking. I dont know much about ppi as never took any but would like to know if you have claimed any charges from ricardo and if it was easy as I think he owes me ;)
    Horrified to see ebay is stopping us listing more than 100 items a month or you have to become a business seller comes into play 1st June so we better get cracking.
    Any other ideas where we can make cash amazon seems quiet at the moment too, do people not know i have bills to pay :)
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    100 items a month!!!! Well that is still 25 per week, which is really what 'normal' probably do.

    I didn't claim from Ricardo because I 'surprisingly' did not have any charges, although I do now. He sold out to MBNA as you know and I did claim off them for DH and they did pay up. Trying to get PPI off them now for him, like you I never took it.

    Amazon is incredibly quiet for me too.

    Well done again on the great challenge, you are doing very very well. Mine is £20.33
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
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