LBM in 2003.. What have I been doing since??!

beanielou

I remember when mortgage rates were 15.4!!!!

greent

beanielou wrote: »

I remember when mortgage rates were 15.4!!!!

And me -I was working in personal lending in a bank when rates were going crazy..

brizzledfw

Remember when interest rates went up twice in one day?? The Chancellor looked rather sick!!

Luckily meant nothing to me then, I was an impoverished student

brizzledfw

Had a wonderful time at the theatre. In the gods but a real treat. Loved it xx

poohbear59

Brizzled my first home purchase the interest rate was 18% because I was a risk as a single woman!!!. I was a teacher and on a permanent contract. That was 1983. It wasn't the dark ages but every time they needed to speak to someone they asked for my (non existent) fiance.
Sorry for that you just reminded me.

brizzledfw

OMG you just wait til I tell my DDs that..

We are a pretty feminist household anyway.. think it's just got more so. To think that was post the Falklands, the Sex Discrimination Act and Maggie Thatcher was PM. Hardly the days of Victoria.. i was at secondary school then!!

brizzledfw

Chocolate spread and toast for breakfast after an early start doing some work..not sure it's part of the Louise Parker Method :rotfl: but it's working for me!!!

Greying_Pilgrim

Ay up brizzle - and chums of the thread

Your talk of ppi has got me to thinking. I too am 99.9% sure that I never took it out. It was always a case of it making the loan etc 'more expensive' and I've always been tight........ Not that I had that many loans - 2 or 3 in my lifetime I think, plus the mortgage and I refused it from the start on that one.

However, i did have, on my credit card, something called........ CCP? I remember NOT electing to have it - but it appearing, and I'm guilty of not doing something (quickly) to get it stopped. However, when I did get around to trying to cancel it, I always got put through to the CC's 'PPI' dept, who (quite rightly) turned around and said - you've not got PPI on your card. I remember one operative telling me PPI was a fixed amount per month - something like £7, whereas my charges were variable as a percentage of what I'd spent on the card each month. I only finally managed to get them to stop when the PPI issue took off, tescimos changed bank backers (I think) and they had to write to everyone and ask them were the happy with everything on their account. I did send for, (think it's still here) a p/copy of my original application. The tick in the CCP box (for yes) is completely different to the way I do my ticks (there are my ticks elsewhere on the same form). But I've never known how to challenge it, because it is NOT ppi.

Anyone got any ideas? Or do I just accept some operative (probs on commission) ticked on my behalf.

I do now, try to obliterate any sections on forms that do not apply to me - rather than leave tick boxes open for someone to tick on my behalf - so i guess I've learnt summat

And this is why I do think that financial education - along with cookery and household management should be on the curriculum in schools - even nucleer fizzycists gotta eat and have a bank account.......

Chocolate spread on toast. Mmmmm

Greying X

Igamogam

poohbear59 wrote: »

Brizzled my first home purchase the interest rate was 18% because I was a risk as a single woman!!!. I was a teacher and on a permanent contract. That was 1983. It wasn't the dark ages but every time they needed to speak to someone they asked for my (non existent) fiance.
Sorry for that you just reminded me.

Crikey we bought our first house around 1984 - both had temporary government scheme jobs I earned £90 and the OH earned £75 a week!! We moved again 2 years later as we were both going to be students - OH undergrad me postgrad - and building society manager - yes they existed then - just said if we thought we could pay the mortgage then it was OK:eek: Our mortgage was £75 a month then and we had full student grants too..........how times have changed:o

Igamogam

Greying_Pilgrim wrote: »

However, i did have, on my credit card, something called........ CCP? I remember NOT electing to have it - but it appearing, and I'm guilty of not doing something (quickly) to get it stopped. However, when I did get around to trying to cancel it, I always got put through to the CC's 'PPI' dept, who (quite rightly) turned around and said - you've not got PPI on your card. I remember one operative telling me PPI was a fixed amount per month - something like £7, whereas my charges were variable as a percentage of what I'd spent on the card each month. I only finally managed to get them to stop when the PPI issue took off, tescimos changed bank backers (I think) and they had to write to everyone and ask them were the happy with everything on their account. I did send for, (think it's still here) a p/copy of my original application. The tick in the CCP box (for yes) is completely different to the way I do my ticks (there are my ticks elsewhere on the same form). But I've never known how to challenge it, because it is NOT ppi.

Anyone got any ideas? Or do I just accept some operative (probs on commission) ticked on my behalf.

I think CCP was something that was in the news a year or so ago - all people who had been charged it were supposed to have been contacted - I might be barking up the wrong tree here. Its worth getting back in touch with your CC provider and asking them to check if you had PPI and see what they come back with......I did and have had some handy windfalls