Finally Debt Free After 34 Years, But Still Need to Live Frugally

[Deleted User]

HairyHandofDartmoor wrote: »

I think we got fleeced by banks right left and centre for years :mad:. Well hopefully it's payback time .

I really hope it is for you, HH. Go for it:beer:

daisy_1571

i understand you feeling guilty hairy but think about it logically. We are never as rich again as we are when staying at home. Once we pay our digs all our money is our own, electricity comes on when we flick a switch, food appears in the cupboards, clothes are washed without us thinking about whether there is washing powder etc etc. Once we get out into the real world paying for our own way suddenly almost every penny of our wages are used up in all the boring things of life, bills, food, household stuff etc etc leaving very little for the fun stuff. So i think he will understand and be okay about waiting a little while for it to be repaid,. After all you didn't begrudge your sons when they went on holiday to Iceland last year, paying things for them, buying socks and replacing clothes they threw away cos they couldn't pack them back into the bags (!) And giving them extra spending money to make sure they had a good time. That all took money away from you getting yourself sorted out when you really couldnt afford to give them anything but you did it. Give your son this chance to help out the family and feel hes becoming an adult, contributing his share.

Dxx

daisy_1571

CBC how did the shedding go today?

Dxx

Sun_Addict

Fingers crossed for some PPI money coming your way, how fab would that be :j

I never took out PPI, starting to wish I had LOL.

Aw how lovely of DS to lend you the money, he's a good lad

System

carbootcrazy wrote: »

Cumbria lass


Well done on the packaged bank account refund:T.


I've had a couple of those over the years but have never tried to reclaim anything for them as I opted to have them without any coercion and can't see any grounds why they should repay me anything:o. Can you offer any advice please about reasons that they accept?

Yes off course CBC , my accounts were with LloydsTSB as they were then.
1. I had 2 current accounts and paid fees on both.
2. The travel insurance was not suitable as I had a pre existing medical condition so it wouldn't have paid out.
3. I wanted a loan and was told I needed to have the packaged bank account to get the loan .
4. I never registered my mobile phone for the insurance as I had insurance through my home insurance.
5. I never used any of the bits of the account in all the time I had it.

Hope this information is of use.

[Deleted User]

daisy_1571 wrote: »

CBC how did the shedding go today?

Dxx

Really well, thank you:)

OH is happy because the major work on the main shed is finished, everything has been put back inside:eek: and the man has done a really good job. I'm happy because I didn't have to go out there lugging junk in and out of the shed especially as we had lots of snow flurries:eek:

The man is doing 2 sheds and replacing some of the translucent panels on part of the pitched garage roof so he'll need to continue tomorrow. At least he turned up on time and stayed until nearly dark:j. Pity he only builds and repairs sheds and does some roof work otherwise I'd insist OH books him for the work we need doing on the kitchen.

[Deleted User]

HairyHandofDartmoor wrote: »

So to summarise these are all the things we could potentially claim on for PPI:

- Eight credit cards
- One mortgage
- Two Debenh@ms store cards
- One N3xt Directory account
- One J@camo account
- One car loan
- Two packaged bank accounts

I wonder if I've missed anything? I'm pretty sure we didn't pay PPI to Jacamo, but who knows with the others?

That's a brilliant selection of accounts, you must be over the moon finding so many 'possibles':j:beer:. I'm very impressed that you kept all that paperwork. I have a cull every 6 years as I read that paperwork needn't be kept longer than that. I might be wrong, often am:o, but it might be different for businesses like yours.HH. I wished I'd kept mine longer though once I started trying to track down possible PPI claims:(. Well done:T.


I don't want to put a damper on things but should mention that just because people had PPI doesn't necessarily mean that it will be repaid. It has to have been mis-sold but there are lots of reasons why it could have been. Were you self-employed at the time you had all these accounts? I think that's one of the top reasons for policies being mis-sold but there are others too:j.

System

I agree with CBC not all PPI is paid,. One of the reasons it does self employment being one . The reason I got paid was because I received six months sick pay and six months half pay so PPI wasn't needed . Definitely read Martins guide it's very helpful.

[Deleted User]

Cumbria_lass wrote: »

Yes off course CBC , my accounts were with LloydsTSB as they were then.
1. I had 2 current accounts and paid fees on both.
2. The travel insurance was not suitable as I had a pre existing medical condition so it wouldn't have paid out.
3. I wanted a loan and was told I needed to have the packaged bank account to get the loan .
4. I never registered my mobile phone for the insurance as I had insurance through my home insurance.
5. I never used any of the bits of the account in all the time I had it.

Hope this information is of use.

Thanks so much for replying so quickly and so fully:A

Can I ask you if all the conditions you listed have to apply?

I never made any insurance claim for any aspect of the insurance and didn't take advantage of the mobile phone cover and register my phone as I didn't even have a phone:o. I didn't use the Keysafe thing where you register (and I didn't bother to) and use the key fob they sent and if the keys are lost someone returns them. I wasn't told I needed a packaged account for a loan so that one's not relevant to me. The travel insurance would have been appropriate but I never used it.

[Deleted User]

Cumbria_lass wrote: »

I agree with CBC not all PPI is paid,. One of the reasons it does self employment being one . The reason I got paid was because I received six months sick pay and six months half pay so PPI wasn't needed . Definitely read Martins guide it's very helpful.

The sick pay reason was why I got mine too, Cumbria lass:j