Frightened about my future

pixiechick_2

So it was a notice of default not a default notice? Confusing or what???!!!

If I could have paid the arrears I would have paid them when they were due.

never-in-doubt

pixiechick wrote: »

So it was a notice of default not a default notice? Confusing or what???!!!

If I could have paid the arrears I would have paid them when they were due.

I dunno what they sent you haha - i'm asking what they have done, or moreso what they should have done! Notice of intended default is not an actual default notice (as regulated under s.87 CCA)..... biiiig difference between the two hehe

never-in-doubt

jen_br wrote: »

I know they have read it... and I know they are advising me to give in... I have already had a phonecall about advice and a manager from Card Services contacted me this morning!

Im not a wuss just cautious... lol and i think too much for my own good.

Right so they are now trying to dissuade you from obtaining accurate and factual advice are they? can you confirm who you spoke to via PM and we can actually look at suing them - they cannot do this and they know they can't - so what, does that mean that because they are losing the fight they can make idle threats does it?

However, no offence Jen but you've yourself to blame for speaking to them! It is against rules for them to ring and not go through security, so if you give them security - whos to blame?

STOP TALKING TO THEM - IF YOU CONTINUE TO THEN I CANNOT ASSIST ANY LONGER!

Yep, thats a mini lecture.

Over & out.

jen_br

Thanks for the lecture.

jinny

AN IRON FIST IN A VELVET GLOVE THATS WOR NIDDY!!!!!:D

mouseann

Morning everyone,

Have just returned from a (quite short!) walk with the dog in the pouring rain! It's freezing cold here, as well.

Thanks to everybody re the messages and advice, especially about the housing situation. I am going to call in to the Council Offices today to get registered - if they will let me register! Very grateful for this advice!

Am also grateful for the advice from the domestic goddesses - about the iron and now the dog hairs. Am spending most of my time in the kitchen/diner - if I go into the living room to watch telly the dog follows me, and I don't like shutting the door on her! Am going out soon, anyway and never turn the telly on until "Escape to the country" - to which I am addicted!

Glad that you had a nice time yesterday SW - we missed you on here!

And, Niddy, hope you aren't working too hard!

pixiechick_2

never-in-doubt wrote: »

I dunno what they sent you haha - i'm asking what they have done, or moreso what they should have done! Notice of intended default is not an actual default notice (as regulated under s.87 CCA)..... biiiig difference between the two hehe

That's why you're the expert and I keep asking questions!!!

jinny

enjoy the walk Ann goona go for a walk myself soon may call into the council offices as well as couldnt make head nor tale of the on line form.

savingwannabe

Morning all. So Niddy wears kinky gloves does he???? Curiouser and curiouser!!!

It is raining here too but lightly. Didn't go to bed till late last night. Today i will iron my clothes .

To our new friends, who are so far too shy to identify yourselves. Some essential reading to make you feel welcome:



What’s the difference between a pizza and a banker? … A pizza can feed a family of five.

What’s the difference between a banker and a pigeon? … A pigeon can still make a deposit on a Porsche.

How many bankers does it take to change a light bulb? Just one, provided the government will quantitatively ease it first.

What’s the definition of optimism? … A banker ironing five shirts on Sunday night.

George Bush was asked what he thought about the credit crunch. He replied that it was his favorite breakfast cereal.

The US Military has invented a new weapon which destroys people but leaves buildings standing. It’s known as the Stockmarket.

Hospitals report that the hearts of bankers are in strong demand by transplant patients, because they’ve never been used.


Albert Einstien died and was introduced to three people in heaven. He asked them what their IQs were. The first replied 190, so Einstein said “Wonderful, we can discuss general relativity”. The second replied 100, so Einstein said “Wonderful, I’ll enjoy talking to you about music and the theater. The third replied 65, so Einstein said “Tell me, which way are interest rates heading?”.
A banker had a horseshoe above his door. Asked what it was for, he said that it was a good luck charm which kept interest rates favorable. When asked if he believed that superstitious nonsense, he replied “Of course not! But I’ve been told that it works whether you believe in it or not.”

Taken from http://quezi.com/5823


How do you define optimism? A banker who irons 5 shirts on a Sunday.
Sara, London, UK ]

What do you call 12 investment bankers at the bottom of the ocean? A good start.
Niall Davidson Petch, Lincoln, UK



Resolving to surprise her husband, an investment banker's wife pops by his office. She finds him in an unorthodox position, with his secretary sitting in his lap. Without hesitation, he starts dictating, "...and in conclusion, gentlemen, credit crunch or no credit crunch, I cannot continue to operate this office with just one chair!"
Phil, London, UK


If you had purchased $1000.00 of Nortel stock one year ago, it would now be worth $49.00. With Enron, you would have $16.50 left of the original $1000. With WorldCom, you would have less than $5.00 left. If you had purchased $1000.00 of Delta Air Lines stock you would have $49.00 left. If you had purchased United Airlines, you would have nothing left. But, if you had purchased $1000.00 worth of beer one year ago, drank all the beer, and then turned in the cans for recycling, you would have $214.00. Based on the above, the best current investment advice is to drink heavily and recycle. This is called the 401-Keg Plan.
Daniel, Calgary, Canada

What's the difference between Investment Bankers and London Pigeons? The Pigeons are still capable of making deposits on new BMW's
Rob, London, UK

Why did the Banker cross the road? - Because he stapled himself to the chicken.
Charles Brockley, Norwich , Norfolk, UK

What's the difference between an investment banker and a large pizza? A large pizza can feed a family of four.
Tom, London, UK

We've been playing office bingo with phrases like "In The Current Climate.." to see how many times we hear it in a week..
Jen, Ipswich, UK

I've re-named my morning bowl of muesli at the desk Credit Crunch.
Robert Fulford, London, UK

Three investment bankers are sitting outside a coffee shop, sipping glumly on their cappucinos. The first one says "It's terrible, I have lost five million on my accounts this morning, there is no way to recover my losses. When I get back inside I'm going to go past my office, up to the fifth floor, open a window and jump out" The second one says "You think that's bad; I've lost nine million on my accounts in the last hour, I have nothing left. I'm going to ride the lift all the way up to the ninth, open a window and jump out" The third one says "I'm glad our building only has fourteen floors."
Bob, High Wycombe, UK

The last time Iceland had a crash like this aisle three was closed all day.
Stuart Harley, West Malvern, UK

Q: Why are all MBAs going back to school?
A: To ask for their money back.
G. Reinis, Lafayette, CA USA

I had a cheque returned earlier. "Insufficient Funds" Mine or the banks?
Pyers Symon, Worcester

What have Icelandic banks and an Icelandic streaker got in common? They both have frozen assets
Stuart Harley, West Malvern, UK

Money talks. Trouble is, mine only knows one word - goodbye.
Nigel Macarthur, London, UK

What is a banker's favourite chocolate bar? A credit crunchie!
Susanna Page, Chiddingfold, UK
Why didn't the little boy get any pocket money this week?
Cos his Mum's gone to Iceland!
Susanna, Chiddingfold, UK


For Geography students Only: What's the capital of Iceland? Answer: About Three Pounds Fifty...
John Green, Chessington, Surrey, UK

Latest news, the Isle of Dogs Building Society has collapsed. They've called in the retrievers.
Jez, Frodsham,UK

Funnily enough, I run a creative thinking course which uses comedy to demonstrate how novel solutions can be found. When I approached the banks with the idea of running the course for their staff, they laughed. I bet they're not laughing now...(to paraphrase Bob Hope).
Ivor Tymchak, Wakefield, UK

Quote of the day (from a trader): "This is worse than a divorce. I've lost half my net worth and I still have a wife."
Sottovoce , Cambridge, UK

QUESTION: How do you successfully freeze your financial assets?
ANSWER: Invest in an Icelandic bank
Madeleine Smallman, UK

Talked to my bank manager the other day and he said he was going to concentrate on the big issues from now on. He sold me one outside Boots yesterday!
Geoff

Masked man holding a bank cashier up with a gun. Says: 'I don't want any money - I just want you to start lending to each other...
David, Cambridge, UK


http://news.bbc.co.uk/1/hi/business/7663475.stm


You might wish to read the Bible. Quite a few people do. Are you watching them too?????

God is everywhere. You will be judged by him.

savingwannabe

Seeing as quite a few of us are doing housework today. It might be worth reading this!!!

ADVICE FROM A RETIRED HUSBAND:

It is important for men to remember that as women grow older, it becomes harder for them to maintain the same quality of housekeeping as when they were younger. When you notice this, try not to yell at them. Some are oversensitive, and there's nothing worse than an oversensitive woman.

My name is Andrew. Let me relate how I handled the situation with my wife, Karen. When I retired a few years ago, it became necessary for Karen to get a full-time job along with her part-time job, both for extra income and for the health benefits that we needed. Shortly after she started working I noticed she was beginning to show her age. I usually get home from the golf club about the same time she gets home from work.

Although she knows how hungry I am, she almost always says she has to rest for half an hour or so before she starts dinner. I don't yell at her. Instead, I tell her to take her time and just wake me when she gets dinner on the table. I generally have lunch in the Men's Grill at the club so eating out is not reasonable. I'm ready for some home-cooked grub when I hit that door.

She used to do the dishes as soon as we finished eating, but now it's not unusual for them to sit on the table for several hours after dinner. I do what I can by diplomatically reminding her several times each evening that they won't clean themselves. I know she really appreciates this, as it does seem to motivate her to get them done before she goes to bed.

Another symptom of aging is complaining. I think. For example she will say that it is difficult for her to find time to pay the monthly bills during her lunch hour. But, boys, we take 'em for better or worse, so I just smile and offer encouragement.. I tell her to stretch it out over two or even three days. That way she won't have to rush so much. I also remind her that missing lunch completely now and then wouldn't hurt her any -- if you know what I mean. I like to think tact is one of my strong points.

When doing simple jobs, she seems to think she needs more rest periods. She had to take a break when she was only half-finished mowing the garden. I try not to make a scene. I'm a fair man. I tell her to fix herself a nice, big, cold glass of freshly squeezed lemonade and just sit for a while. And, as long as she is making one for herself, she may as well make one for me too.

I know that I probably look like a saint in the way I support Karen. I'm not saying that showing this much consideration is easy. Many men will find it difficult. Some will find it impossible! Nobody knows better than I do how frustrating women get as they get older. However, guys, even if you just use a little more tact and less criticism of your aging wife because of this article, I will consider that writing it was well worthwhile. After all, we are put on this earth to help each other.

Signed,
Andrew

EDITOR'S NOTE:
Andrew died suddenly on February 7 of a perforated rectum. The police report says he was found with a Calloway extra-long 50-inch Big Bertha Driver II golf club jammed up his rear end, with barely 5 inches of grip showing, and a sledge hammer laying nearby. His wife, Karen, was arrested and charged with murder. The all-woman jury took only 10 minutes to find her Not Guilty, accepting her defence that Andrew, somehow without looking, accidentally sat down on his golf club.