301k in debt and morbidly obese - things aren't great!

Heffi1

Mr B,

My one and only claim for PPI was refused back in 2008 and I was disappointed, but took them at their word and forgot about it, last year I decided to have another go and used the template letters on this site, I was ignored by Barclays completely, but followed the advice about sending a follow up letter, then heard nothing so waited again, then sent off a complaint letter to FOS, who wrote to Barclays and got ignored again, so they agreed with me and awarded in my favour.

I only got about £700 but every penny was savoured and dug us out of a hole last Christmas, I would say try again and then again, you have nothing to lose but the price of a stamp.

boredofbeingathome

MrBloater wrote: »

Am now also reeling from the news that my PPI claim was refused - wish I hadn't gone down the DIY route on it now - feel like I'm lost some money I would have got had I gone to the experts on it. Work is remaining a minefield and some days I dodge bullets and other times I get hit but the fact is they are being consistently aimed at me. Weight has been staying the same but the running has stopped and I am resorting to wine tonight cos I'm only human after all.

I think everyone in our profession is dodging bullets at the moment. So many goal posts are constantly being moved, everything is on a change cycle and there are only so many hours in the day. I don't know many other professions that take so much of their work home with them. The only other incentives would be to work for our own business and then i don't think i would mind as much.
Enjoy your wine-tomorrow is Friday and you can get a well needed breather.

MrBloater

Comfortably numb on a bottle of red (two nights in a row - standards are slipping) and hoping to get out for a run tomorrow.

Had a very important meeting / interrogation today after work, and just to add to the pathos of the situation - in the process of sitting down I heard this enormous rip and felt the cold wind of change rising up to parts that shouldn't be seen in public let alone a pre-disciplinary meeting. It's just been one of those weeks.

One thing keeps banging away at the back of my mind - I may well have mentioned it before but the prospect of reading back through 104 pages of post is not very high on my list of things to do, quite a while back, a very wise old owl told me that the only time I would actually start making any serious money is when I left my job and was forced to think creatively. And a sizable chunk of people I know are actually self-employed and none of them appear to be sleeping under railway bridges. It could be that the safety net I thought I had built was in fact a cage keeping me in. And maybe, just maybe, if I'm forced to work for myself then I can start creating some stuff to give me a passive income whether it be books or websites or fulfil my lifelong (once I've done a bottle of wine) ambition to do stand-up comedy. I think I have to turn this situation on its head and stop thinking of myself as the victim - there is an oppurtunity here to be had and if I don't take it now then it might never come back around again. Plus I'd like an Aston Martin. Now I know that's not very MSE but hell, you don't read my diary for the moneysaving advice.

boredofbeingathome

You have nothing to lose :-)

Allypops

I think the second bottle of red was well deserved after the "wind of change" moment.

Igamogam

Sounds like a plan..................think the Aston Martins only kick in when you get to sell out arena tours. Mind you, you have quite a following on here so you never know ............;)

gallygirl

Your dominatrix women used to talk about a number - can't remember what it was called - danger number or something? This was the amount you needed to keep your head above water with a little to spare. If you earned that you were not inspired to break out and achieve more. Maybe your time has come Mr B (maybe your trousers splitting were helping you break out........ ).

Rainbow_Bridge

LOL gallygirl, another one who interprets signs :rotfl:.

Thank goodness you have kept your sense of humour Mr B, maybe the cold winds of change got warmed by your nether regions x.

ali-t

MrBloater wrote: »

Comfortably numb on a bottle of red (two nights in a row - standards are slipping) and hoping to get out for a run tomorrow.

Had a very important meeting / interrogation today after work, and just to add to the pathos of the situation - in the process of sitting down I heard this enormous rip and felt the cold wind of change rising up to parts that shouldn't be seen in public let alone a pre-disciplinary meeting. It's just been one of those weeks.

One thing keeps banging away at the back of my mind - I may well have mentioned it before but the prospect of reading back through 104 pages of post is not very high on my list of things to do, quite a while back, a very wise old owl told me that the only time I would actually start making any serious money is when I left my job and was forced to think creatively. And a sizable chunk of people I know are actually self-employed and none of them appear to be sleeping under railway bridges. It could be that the safety net I thought I had built was in fact a cage keeping me in. And maybe, just maybe, if I'm forced to work for myself then I can start creating some stuff to give me a passive income whether it be books or websites or fulfil my lifelong (once I've done a bottle of wine) ambition to do stand-up comedy. I think I have to turn this situation on its head and stop thinking of myself as the victim - there is an oppurtunity here to be had and if I don't take it now then it might never come back around again. Plus I'd like an Aston Martin. Now I know that's not very MSE but hell, you don't read my diary for the moneysaving advice.

That is very true Mr b. There is no incentive to really make a go of being successfully self employed if you have the safety net of a salary. If the job goes, it is a sign that you need to get looking for silver linings, opportunities and chances rather than wallowing in pity and grieving for the loss of your safety net.

If you speak to any successful self employed person they will tell you they had to take a risk and that the risk of failure was something they had to manage and avoid. May people who are self employed part time (myself included) don't or can't take the required risks due to clinging onto the security of a salary.

Regardless of what happens with your work, you can influence the end outcome. Good luck.

Another thing that I firmly believe influences life outcomes, how rich you will end up etc is about deep down what you think you are worth. This influences your spending patterns, motivation to achieve etc. A bit of reflection time thinking about what you truly value and What you need in life to live in alignment with those values would be time well spent just now.

cazmanian_minx

Going self employed was the best thing I ever did. Yes, it's scary to start with, but it's immensely liberating and satisfying at the same time.