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

elizabethhull

daisy_1571 wrote: »

Can I just mention here, when people I know are going to fancy dress parties, they often come to me. But its my normal clothes they are wearing :rotfl::T:rotfl:

Dxx

Oh gosh, that happens to me too !
I think my style is boho-with-what-I-fancy-off-eBay ! I even wore a squaw dress for work in the 70s, then DD1 used it for a primary school play circa 1990- she was the only one with a 'proper' outfit.

Both my mother and Aunt liked my clothes, and at my Aunt's funeral (specifically no black requested) I wore a velvet coat she'd seen & admired only 3 weeks before, with, of course, gold trainers !!

Good luck with the tax rebate, HH, and I'm sure your hard work with the potential PPIs will have some reward. As you say, it's pointless wondering about them if you don't actually put the effort into finding out.
We tried to get something for a mis sold endowment mortgage in the early 80s. We had kept the projections, which were wildly optimistic, but it wasn't possible to get anything back, despite our having all the paperwork, I guess it was too long ago. Fortunately OH had paid off the capital over the years so we weren't dependent on it or we would have been in deep s**t !!

HairyHandofDartmoor

DrSpendLittle wrote: »

I lost my Resolver claim against B4clays for a packaged bank account - they sold it to me as the only way I could keep my interest free student overdraft, which was expiring at the time. I considered this to be mis selling because I was not talked through any other options. The other benefits to the account, like breakdown cover and mobile phone insurance, I never used. I think I eventually activated one (probably the mobile phone insurance), but never claimed. However, they didn't rule in my favour. I can't remember the specifics as the case is now closed but I think it was along the lines of I benefited from the account by activating the insurance. I couldn't be bothered appealing it. Decided to be philosophical and think of it as my financial comeuppance for being such a terrible money manager

Good luck with it all - its most certainly worth the effort of putting in all the claims! Fingers crossed.

Thanks DrSpend that's interesting to know. I don't think we activated any of the insurance or used any of the benefits, but who knows if they'll rule in our favour.

elizabethhull wrote: »

Good luck with the tax rebate, HH, and I'm sure your hard work with the potential PPIs will have some reward. As you say, it's pointless wondering about them if you don't actually put the effort into finding out.
We tried to get something for a mis sold endowment mortgage in the early 80s. We had kept the projections, which were wildly optimistic, but it wasn't possible to get anything back, despite our having all the paperwork, I guess it was too long ago. Fortunately OH had paid off the capital over the years so we weren't dependent on it or we would have been in deep s**t !!

Thanks Elizabeth . I'm sure there are many ways they can wriggle out of paying, but we'll have to wait and see and hope for the best.

[Deleted User]

DrSpendLittle wrote: »

I lost my Resolver claim against B4clays for a packaged bank account - they sold it to me as the only way I could keep my interest free student overdraft, which was expiring at the time. I considered this to be mis selling because I was not talked through any other options. The other benefits to the account, like breakdown cover and mobile phone insurance, I never used. I think I eventually activated one (probably the mobile phone insurance), but never claimed. However, they didn't rule in my favour. I can't remember the specifics as the case is now closed but I think it was along the lines of I benefited from the account by activating the insurance. I couldn't be bothered appealing it. Decided to be philosophical and think of it as my financial comeuppance for being such a terrible money manager

Good luck with it all - its most certainly worth the effort of putting in all the claims! Fingers crossed.

That's really useful information about the packaged accounts. I'm sorry your claim wasn't upheld. These big financial institutions seem to have an answer for everything and manage to wriggle out of a lot of their responsibilities:(

I had 2 packaged accounts in the past but not for the sake of getting an overdraft as I had one anyway with the regular accounts I had with them. They offered interest which my regular accounts didn't. That's what I wanted them for. I applied for the packaged ones myself, no coercion or sales pitch, so I suppose they could say I should have read the small print:o. I never made a claim or registered anything with them, in fact I remember Santander writing to me a while after I opened one account to remind me to activate something or other but I ignored it:o. I don't have any paperwork about the insurance but I know I definitely had packaged accounts. I didn't even have a mobile phone to insure at the time and my car breakdown cover was already up and running by normal direct membership methods anyway. I didn't use the holiday insurance either so all in all they were a total waste of time and money. The reason I haven't bothered to submit claims on mine is mainly because I realised I was on to a loser and cancelled after about less than a year with each. Not sure if it's worth the hassle for so little possible compensation but if I don't try I won't know will I?

[Deleted User]

daisy_1571 wrote: »

Can I just mention here, when people I know are going to fancy dress parties, they often come to me. But its my normal clothes they are wearing :rotfl::T:rotfl:

I admire you CBC for looking respectful at work when that wasnt your natural 'look'. I had a few jobs in the cs where they imposed dress codes after years of us wearing jeans t shirts etc. I took perverse pleasure in looking as disreputeable as poss within the rules of what we were to wear then on the odd dress down day I would look as nice as poss in jeans, shirt, boots, waistcoat etc just to make my point that its not the item that makes us 1)look smart and more importantly 2)good at what they are actually paying us to do. I really resented having to spend my wages on clothes I would normally never be seen dead in. Each to their own, I'm just not a smart person. In the same outfit as anyone else I always just look a sight :rotfl::rotfl: same as Mr daisy. He either looks like a wee boy in his dad's suit or like hes been pulled through a hedge backwards. Same clothes, different effect depending on body shape I think.


Dxx

OH is totally disinterested in clothes. If it's clean and still fits him he wears it. Has no interest in matching or co-ordinating anything. I sometimes imagine that people must think we get dressed in the dark:rotfl:. My current clothes are a lot more conservative than in my youth but I'd need to be dragged kicking and screaming before I wore the usual 'uniform' that lots of people of my vintage seem to wear.

I never went for outlandish hairstyles apart from an Afro perm or two (is it un-pc to call them that nowadays?) or coloured it anything but 'normal' hair colours. I didn't have any body piercings (apart from my ears and then only one hole in each ear) but they came too late for my more flamboyant style days. I wouldn't have had them anyway, they look darned painful and inconvenient IMO:eek:


I have to confess to hankering after a tasteful, very small tattoo but that was back in the day when girls didn't have them and the only places where you could get them done were those backstreet macho places which I'd have been too scared to set foot in:rotfl:. Once they became acceptable for women I stopped wanting one and never did get one.

beanielou

I may have had PPI on my older mortgages but as they were in joint names I dont think I can.

please-let-me-be-lucky

Inspired by you Hairy, I did a bit of digging. I really didn’t think I had PPI, apart from the mortgage one I’ve already reclaimed, and the Lloyds policy that they contacted me about themselves when they found a problem. Lo and behold though, Barclays have found a policy from 1999. I’ve put in a complaint and I’ve got everything crossed, but nothing lost if it’s a no.

Hope you get lots of money back on yours Xx

System

HH carry on with your claims , It's up to the banks to decide your case. It isn't costing you anything but your time . I am hoping that you get some money back because you deserve it , if you have paid PPI when you probably couldn't afford it. You and DH have started off really well , just sit back now and wait for your replies. Hope the tax money arrives this week.

beanielou

Hope that the tax money arrives soon & the PPI goes well.

HairyHandofDartmoor

carbootcrazy wrote: »

That's really useful information about the packaged accounts. I'm sorry your claim wasn't upheld. These big financial institutions seem to have an answer for everything and manage to wriggle out of a lot of their responsibilities:(

I had 2 packaged accounts in the past but not for the sake of getting an overdraft as I had one anyway with the regular accounts I had with them. They offered interest which my regular accounts didn't. That's what I wanted them for. I applied for the packaged ones myself, no coercion or sales pitch, so I suppose they could say I should have read the small print:o. I never made a claim or registered anything with them, in fact I remember Santander writing to me a while after I opened one account to remind me to activate something or other but I ignored it:o. I don't have any paperwork about the insurance but I know I definitely had packaged accounts. I didn't even have a mobile phone to insure at the time and my car breakdown cover was already up and running by normal direct membership methods anyway. I didn't use the holiday insurance either so all in all they were a total waste of time and money. The reason I haven't bothered to submit claims on mine is mainly because I realised I was on to a loser and cancelled after about less than a year with each. Not sure if it's worth the hassle for so little possible compensation but if I don't try I won't know will I?

There's absolutely no harm in trying. Some of ours will be lost causes I'm sure .

HairyHandofDartmoor

beanielou wrote: »

I may have had PPI on my older mortgages but as they were in joint names I dont think I can.

That's a shame. Maybe it's worth checking just in case?

please-let-me-be-lucky wrote: »

Inspired by you Hairy, I did a bit of digging. I really didn’t think I had PPI, apart from the mortgage one I’ve already reclaimed, and the Lloyds policy that they contacted me about themselves when they found a problem. Lo and behold though, Barclays have found a policy from 1999. I’ve put in a complaint and I’ve got everything crossed, but nothing lost if it’s a no.

Hope you get lots of money back on yours Xx

Thanks Lucky. I'm glad I've inspired you and I hope you get some money back.