The "Pay ALL your debt off by Xmas 2012" challenge - PART 3!!!

psychopathbabble

parsniphead wrote: »

Oh flipping heck. I hate this predictive text stuff. I have changed it.

So sorry Spag Bol.

Off to blush furiously and hang head in embarrassment.:eek:

It's given me a laugh! I did wonder if it was a nickname...

his_missus

parsniphead wrote: »

Oh flipping heck. I hate this predictive text stuff. I have changed it.

So sorry Spag Bol.

Off to blush furiously and hang head in embarrassment.:eek:

:rotfl::rotfl:

SpagBol

psychopathbabble wrote: »

I got a letter about a month after, and most of the money a month after that.

Thanks...funnily enough I got an acknowledgement today in the post :T

parsniphead wrote: »

Hi spag bol

My PPI claim was against Barcl4ys.

I sent the claim form on 30/08/2012. I received a reply saying they were looking into the claim on 14/09/2012 saying they would make a decision by 26th October (my birthday funnily enough). I then received a letter with cheque on 27th October. My word did I sulk the day before because I hadn't heard anything on the day they said. I never did have any patience.

It's a long process but worth it. Good luck.

Thanks! And I quite like SlagOil :rotfl::rotfl::rotfl: Suits me

mf0u1098

Just picked my dad up from his works xmas do. He's completely s**tfaced!!!!! He hardly ever drinks and it was all free so he's very worse for wear. Won't be surprised if he's sick soon... oh dear...

I've only got 6 working days left. It has been unreal this week. Sooooooooo busy! Ogre and we've had snow which it terrifying rossendale drive in when there's hills in the way!!!!!!!

Need some sleep... night all xxxxx

SpagBol

OMG OMG!! Drank some wine with DH last night and booked a holiday!!:eek::beer::mad::j

The background to this is that we've never taken the kids abroad, only ever camped in the UK. DS1 is the only child in his class that has never been abroad or on a plane, he has started learning French and really wants to go to France...and of course so do I ...so anyway we looked at [email]Keyc@mp...and[/email] got 9 nights in a caravan in the S of France for £349 :j:money:

Unfortunately the flights and the hire car will be another £450 ish but am really pleased we've done it. Am also pleased DH got me tipsy as I wouldn't have allowed it otherwise :rotfl: I even spoke to my mum when about to buy it and she said go for it :rotfl: We will use Xmas & Birthday money and our overtime to pay for it and it will keep us going for the next 6 months so I reckon it is money well spent. It's also instead of Xmas presents for each other (DH and I). I for one am feeling burnt out and need something to look forward to. It just means an extra month or 2 on the challenge but that's ok.

Don't tell me off too much :eek: I know it is a ridiculous thing to do but hoping we can now knuckle down and pay off another £12k by the time we go

2 DDs have been taken so:

#084 £17,715 / £58,000 30.54%

:j

lemonpopsicle

SpagBol wrote: »

OMG OMG!! Drank some wine with DH last night and booked a holiday!!:eek::beer::mad::j

The background to this is that we've never taken the kids abroad, only ever camped in the UK. DS1 is the only child in his class that has never been abroad or on a plane, he has started learning French and really wants to go to France...and of course so do I ...so anyway we looked at [email]Keyc@mp...and[/email] got 9 nights in a caravan in the S of France for £349 :j:money:

Unfortunately the flights and the hire car will be another £450 ish but am really pleased we've done it. Am also pleased DH got me tipsy as I wouldn't have allowed it otherwise :rotfl: I even spoke to my mum when about to buy it and she said go for it :rotfl: We will use Xmas & Birthday money and our overtime to pay for it and it will keep us going for the next 6 months so I reckon it is money well spent. It's also instead of Xmas presents for each other (DH and I). I for one am feeling burnt out and need something to look forward to. It just means an extra month or 2 on the challenge but that's ok.

Don't tell me off too much :eek: I know it is a ridiculous thing to do but hoping we can now knuckle down and pay off another £12k by the time we go

2 DDs have been taken so:

#084 £17,715 / £58,000 30.54%

:j

You deserve it Spag and family, it'll help recharge your batteries for the challenge

SpagBol

lemonpopsicle wrote: »

You deserve it Spag and family, it'll help recharge your batteries for the challenge

Thanks Lemonpopsicle We have to get passports for me and the kids too so that's another £130 odd quid :eek:

DH's CC has offered a 0% deal for 12 months to bank balances to pay off our ODs, then all our debt is on CC's and can be overpayed bit by bit. I much prefer that way of reducing the debt, when I was paying off CCs it was much more efficient, reducing ODs with NW is a pain in the backside!! 5% charge though which is a bit steep :eek: although would pay for itself in 3 months as an equivalent in interest. Hmmmmmm..... :think:

nctmum

SpagBol wrote: »

Those of you that have had successful PPI claims...how long after sending the claim form did you get a response? And did they write, phone e-mail?

Ta

Happy Friday everyone! :beer:

It took over 4 months, i nearly lost my mind - I have 0 patience too! Obviously it was worth it.

They only corresponded by letter until I emailed the CEO, CEOs mum etc, and then I got a curt email back. Thats Citi for you!

SpagBol

nctmum wrote: »

It took over 4 months, i nearly lost my mind - I have 0 patience too! Obviously it was worth it.

They only corresponded by letter until I emailed the CEO, CEOs mum etc, and then I got a curt email back. Thats Citi for you!

I've had a letter back from egg now, so has DH, just waiting for cap1 to reply now and to see what they turn up in their investigations!

kerri_dfw

Thanks everyone for the xmas ideas, I think we're going to have xmas twig.
Christmas eve we're going to go round a friends house for dinner so that's free
Christmas day we'll have jacket potatos with beans & cheese, then off to a friends in the evening for a party (completely forgot about jacket pots!)
Boxing Day my parents are coming so we'll have xmas nut roast (veggies here), followed by cheese & crackers, nibbles, and leftovers.
So I think I'll get a tin of chocs, some pringles & yummy crisps, and some nuts that should do us