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

[Deleted User]

Morning Hairy,

Hope the oven isn't out of action for too long.

Do you have a combi microwave? You may be able to do the chips in it that way?

xx

jwil

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?

carbootcrazy wrote: »

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.

I got a refund because I couldn't use the extras as I'd lost the card with the details and they had record of a complaint on my account from me a few years earlier when they hadn't responded to my original request for a replacement.

[Deleted User]

Sorry your oven is still out of action, HH. I've been without one for months and that includes the hob too. Your situation is worse than mine though because you're cooking for 4 every day. Every day can be a nightmare trying to work out what I can cook and how :eek:. This is the worst part of the year to be without as it's not ideal to live on salads:(. Hot food always cheers people up. Is your oven fixable, if not by DH if it's a more specialist job, maybe by a repair man? Sometimes it's just a small thing that has ceased working and can be replaced. It might not mean a whole new oven:j. When you have all that lovely PPI money in your account you'll be able to afford any oven you fancy;). Just think of that:beer:



I have a portable plug-in electric hob as the whole of my cooker, oven and hob, died and was beyond repair:eek:. In fact there's just a gap where it used to be as the cooker wiring was condemned and OH took the old cooker to the tip. I've always used a pressure cooker on the hob so can still make nourishing stews and cook a gammon joint etc in a fraction of the time that they would take in an oven and they taste great and none of the nutrients escape during cooking:j. I also have an ancient Remoska bought from Lakeland about 15 years ago. It was expensive then and even more so now if I should ever need to replace it:eek:. It's been worth its weight in gold to me though and roasts a chicken to perfection. I never roasted chicken or other joints in the proper oven even when it worked as the Remoska uses so little electricity and can be plugged into any regular socket. I also have an old (everything I own is old:o) Tefal Actifry which fries chips and roasts potatoes etc with only a teaspoon of oil and the chips taste better than oven chips. It takes ages to cook chips and roasties from fresh (home made ones)in it but the frozen bought ones cook in a few minutes. I do quiches and pies in it too as, like you say, they are terrible in a microwave. I hate soggy bottoms:rotfl:.


I didn't have a microwave at all when my cooker packed up so had to buy one. Money being tight I just got the only one I could afford at Argos that had good reviews. It was in the sale and a Panasonic so I was pleased as it was a bargain. It's only small though and the turntable is smaller than some of my usual plates and bowls. It's been very useful all the same as, because we have several vegetables at main mealtimes, I'm forever juggling pans on the small hob. Using a combination of plug-in hob, Remoska, Actifry and microwave I can even make a roast chicken dinner with roast potatoes, gravy, several vegetables and stuffing. I don't think OH can tell the difference but I still find every mealtime a real challenge:o


I'm hanging on for getting a new cooker because we have to have so much desperately needed work done on the kitchen first including a full electrical rewire, most of the plaster on the walls chopped back to the brick and renewed because of damp and 2 windows replaced. These are all definite needs and not just wants. I've been wanting a nice new cooker for so many years and don't want to risk having it on a building site:eek:

elizabethhull

Gosh, I'm away from the thread for one day and come back to 4 pages of shedding and shredding !

My Aunt's funeral went very well yesterday. We don't have a very big family, but they were all there which was really lovely. DD1 and DD2 were due to be pall-bearers with niece & nephew, but nephew did a spectacular splits trying to get into the barge he lives on, fell in the water & banged his side on the barge, so turned up looking rather fragile. So my Aunt was borne into the crematorium by 3 great-nieces, and one great-great niece. Girl-power !!! Auntie was a Methodist, who have always had women ministers, and my Aunt was herself a lay preacher for a while, so I'm sure she would have greatly approved.
I was SO proud of them all.

With all the wonderful knowledge on here about reclaiming from banks, am I right in thinking that overdraft charges can sometimes be reclaimed ? Although I've only had a credit card for 3 years, I've paid a fortune in bank charges on my regular account over the years.

[Deleted User]

elizabethhull wrote: »

Gosh, I'm away from the thread for one day and come back to 4 pages of shedding and shredding !

My Aunt's funeral went very well yesterday. We don't have a very big family, but they were all there which was really lovely. DD1 and DD2 were due to be pall-bearers with niece & nephew, but nephew did a spectacular splits trying to get into the barge he lives on, fell in the water & banged his side on the barge, so turned up looking rather fragile. So my Aunt was borne into the crematorium by 3 great-nieces, and one great-great niece. Girl-power !!! Auntie was a Methodist, who have always had women ministers, and my Aunt was herself a lay preacher for a while, so I'm sure she would have greatly approved.
I was SO proud of them all.

With all the wonderful knowledge on here about reclaiming from banks, am I right in thinking that overdraft charges can sometimes be reclaimed ? Although I've only had a credit card for 3 years, I've paid a fortune in bank charges on my regular account over the years.

I'm so glad to hear that, despite the last-minute pall-bearer switch, your beloved Aunt's funeral went well:). Despite the inevitable sadness for her loss you have wonderful memories of her and of a long life well-lived. It's so good when all the family musters for a funeral where you can make good memories despite the reason for your all being together being such a sad one.


Martin did something on reclaiming bank charges. I'll see if I can find it:). I had over £1000 in total refunded to me by Lloyds without my ever having to ask:eek:. They had reviewed their practices of dealing with people who were in financial difficulties and deemed some of them unfair:j. Some other big banks did the same but I know others expect clients to complain first:(.

EDIT: Found what I was looking for:j. I haven't read it all myself yet and don't know if it contains the information you wanted. Worth a look though;)

https://www.moneysavingexpert.com/reclaim/bank-charges/

beanielou

Glad all went well yesterday elizabethhull

HairyHandofDartmoor

Deleted_User wrote: »

Morning Hairy,

Hope the oven isn't out of action for too long.

Do you have a combi microwave? You may be able to do the chips in it that way?

xx

Thanks Purplemum . We have a small ordinary microwave unfortunately, so I'll just have to be creative with my cooking!

carbootcrazy wrote: »

Sorry your oven is still out of action, HH. I've been without one for months and that includes the hob too. Your situation is worse than mine though because you're cooking for 4 every day. Every day can be a nightmare trying to work out what I can cook and how :eek:. This is the worst part of the year to be without as it's not ideal to live on salads:(. Hot food always cheers people up. Is your oven fixable, if not by DH if it's a more specialist job, maybe by a repair man? Sometimes it's just a small thing that has ceased working and can be replaced. It might not mean a whole new oven:j. When you have all that lovely PPI money in your account you'll be able to afford any oven you fancy;). Just think of that:beer:



I have a portable plug-in electric hob as the whole of my cooker, oven and hob, died and was beyond repair:eek:. In fact there's just a gap where it used to be as the cooker wiring was condemned and OH took the old cooker to the tip. I've always used a pressure cooker on the hob so can still make nourishing stews and cook a gammon joint etc in a fraction of the time that they would take in an oven and they taste great and none of the nutrients escape during cooking:j. I also have an ancient Remoska bought from Lakeland about 15 years ago. It was expensive then and even more so now if I should ever need to replace it:eek:. It's been worth its weight in gold to me though and roasts a chicken to perfection. I never roasted chicken or other joints in the proper oven even when it worked as the Remoska uses so little electricity and can be plugged into any regular socket. I also have an old (everything I own is old:o) Tefal Actifry which fries chips and roasts potatoes etc with only a teaspoon of oil and the chips taste better than oven chips. It takes ages to cook chips and roasties from fresh (home made ones)in it but the frozen bought ones cook in a few minutes. I do quiches and pies in it too as, like you say, they are terrible in a microwave. I hate soggy bottoms:rotfl:.


I didn't have a microwave at all when my cooker packed up so had to buy one. Money being tight I just got the only one I could afford at Argos that had good reviews. It was in the sale and a Panasonic so I was pleased as it was a bargain. It's only small though and the turntable is smaller than some of my usual plates and bowls. It's been very useful all the same as, because we have several vegetables at main mealtimes, I'm forever juggling pans on the small hob. Using a combination of plug-in hob, Remoska, Actifry and microwave I can even make a roast chicken dinner with roast potatoes, gravy, several vegetables and stuffing. I don't think OH can tell the difference but I still find every mealtime a real challenge:o


I'm hanging on for getting a new cooker because we have to have so much desperately needed work done on the kitchen first including a full electrical rewire, most of the plaster on the walls chopped back to the brick and renewed because of damp and 2 windows replaced. These are all definite needs and not just wants. I've been wanting a nice new cooker for so many years and don't want to risk having it on a building site:eek:

It will be nice for you when you can get your kitchen done and have a proper cooker again .

It's probably the element that's gone on the oven as it's happened twice before. But we can't afford the part and DH can't afford the time to investigate it as he's busy trying to bring in money, so it will have to wait for the time being.

HairyHandofDartmoor

elizabethhull wrote: »

Gosh, I'm away from the thread for one day and come back to 4 pages of shedding and shredding !

My Aunt's funeral went very well yesterday. We don't have a very big family, but they were all there which was really lovely. DD1 and DD2 were due to be pall-bearers with niece & nephew, but nephew did a spectacular splits trying to get into the barge he lives on, fell in the water & banged his side on the barge, so turned up looking rather fragile. So my Aunt was borne into the crematorium by 3 great-nieces, and one great-great niece. Girl-power !!! Auntie was a Methodist, who have always had women ministers, and my Aunt was herself a lay preacher for a while, so I'm sure she would have greatly approved.
I was SO proud of them all.

With all the wonderful knowledge on here about reclaiming from banks, am I right in thinking that overdraft charges can sometimes be reclaimed ? Although I've only had a credit card for 3 years, I've paid a fortune in bank charges on my regular account over the years.

We have been busy bees on MSE lately .

I'm glad that your aunt's funeral went well Elizabeth, they can be a bit of an ordeal I know. Your aunt was clearly a very interesting person .

HairyHandofDartmoor

My food shop has been accomplished. A bit over budget at £63.50 but I've stocked up on food we can cook on the hob or microwave.

I bought pasta, rice, tinned tomatoes, tinned chickpeas, aduke and pinto beans, tinned sweetcorn, 3 jars of cooking sauces, baked potatoes, sweet potatoes, sunflower oil, onions, garlic, 4 packs of chicken sausages (on offer), 2 packs of oats, cheese, 30 eggs, 4 loaves of bread, 30 pints of milk, 6 bottles of water and 24 diet cokes (still on offer), bananas, satsumas, toilet roll and kitchen roll.

So not bad for just over sixty quid. We've got plenty of quorn mince and frozen vegetables in the freezer to make meals out of too. The beef mince was too expensive in Mr T so I decided to cook with beans and vege/quorn mince instead. All the quorn mince was bought on offer a few weeks ago :money:.

Our diet will probably be a bit healthier and I'll be interested to know how long it all lasts. Maybe it will be a cheaper way of eating? It will be a bit more time consuming and tiring though .

HairyHandofDartmoor

When I've recovered from the food shop I'll hunt through the filing cabinet for more statements.

I'm not convinced that we'll get anything back now, as the Plevin rule may not apply to us and we may have taken out all the PPI before DH was self employed,so it may not have been missold . Knowing our luck we'll get nothing but I won't know if I don't try I suppose.

I feel tired as I couldn't get to sleep for ages last night and then woke up early, plus I've still got my cold. The emotional roller coaster takes it's toll after a while.

But anyway keep on plodding as Beanie says .