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

HairyHandofDartmoor

Cumbria_lass wrote: »

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.

Thanks Cumbria . It probably is useless to speculate, so we'll just have to wait and see what happens. Some of our claims do seem like lost causes, but while we're at it I want to claim for anything and everything, because you never know what you may have forgotten about.

beanielou wrote: »

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

Thanks Beanie .

Seasidegal58

Here's to the arrival of the tax refund Hairy. It sounds like it won't be too long! Exciting!:j

Sallyforth

On the reclaiming threads I have never shared this before. When we went onto a DMP with SC in 2012 we spoke to our mortgage provider to tell them and switched to interest only payments. When we were in a position to remortgage in early 2017 the advisor mentioned we could have gone onto a much lower rate years back and queried why we hadn’t thought about it. I challenged them as to why this hadn’t been mentioned earlier and in particular when we had told them about our debts. Fast forward and they compensated us over £12k in interest. I suspect there are others in this situation and the repayment along with an inheritance helped us clear the mortgage in full.
So glad to hear about the tax return HH and good luck with the claims too.
Sally x

HairyHandofDartmoor

Seasidegal58 wrote: »

Here's to the arrival of the tax refund Hairy. It sounds like it won't be too long! Exciting!:j

Thanks SSG .

Sallyforth wrote: »

On the reclaiming threads I have never shared this before. When we went onto a DMP with SC in 2012 we spoke to our mortgage provider to tell them and switched to interest only payments. When we were in a position to remortgage in early 2017 the advisor mentioned we could have gone onto a much lower rate years back and queried why we hadn’t thought about it. I challenged them as to why this hadn’t been mentioned earlier and in particular when we had told them about our debts. Fast forward and they compensated us over £12k in interest. I suspect there are others in this situation and the repayment along with an inheritance helped us clear the mortgage in full.
So glad to hear about the tax return HH and good luck with the claims too.
Sally x

Thanks Sally . Wow that's an interesting story and a lot of money to get back :T

System

Sallyforth wrote: »

On the reclaiming threads I have never shared this before. When we went onto a DMP with SC in 2012 we spoke to our mortgage provider to tell them and switched to interest only payments. When we were in a position to remortgage in early 2017 the advisor mentioned we could have gone onto a much lower rate years back and queried why we hadn’t thought about it. I challenged them as to why this hadn’t been mentioned earlier and in particular when we had told them about our debts. Fast forward and they compensated us over £12k in interest. I suspect there are others in this situation and the repayment along with an inheritance helped us clear the mortgage in full.
So glad to hear about the tax return HH and good luck with the claims too.
Sally x

Thanks for sharing Sally , very interesting.

daisy_1571

elizabethhull wrote: »

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.

I'm intrigued! Is this squaw red Indian type squaw ? I have owned and still own a good few brown suede fringed skirts that make me feel like I should be in dr Quinn medicine woman ( ooh Sully, oooh Cloud Dancing !!) But I'm equally at home in cowboy boots and a Stetson ( oooooh pa inglis) lol. In fact Mr daisy is like a mini-me Sully if you want to know!

Dxx

Ps you can never have enough fringes in my opinion

Pps I'm not sure there is much difference between cat suit, siren suit, onesie and probably other terminology ?

Ppps even a years ppi is worth it for the interest they have to pay you so go for it

HairyHandofDartmoor

carbootcrazy wrote: »

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.

I'm trying to imagine what your OH wears now :rotfl:.

[Deleted User]

daisy_1571 wrote: »

Ps you can never have enough fringes in my opinion

Pps I'm not sure there is much difference between cat suit, siren suit, onesie and probably other terminology ?

Ppps even a years ppi is worth it for the interest they have to pay you so go for it

Yes, definitely agree about the fringes:j:j:j

I never had a Stetson, in fact I was never into any kind of hats.


I did like the occasional bandana though:o and remember wearing a really fetching (in my opinion anyway:rotfl:)home-made tie-dyed red one in the late 60s when I was visiting my cousin who had 2 young daughters. The 4 year-old was really sweet, came up and gave me a cuddle and told me she hoped my head would get better soon. I think she thought it was a blood-stained bandage:rotfl::eek:

HairyHandofDartmoor

Today is going to be all about PPI again. I want to claim on my two credit cards, the two packaged bank accounts, the two store cards and our two mortgages. That should keep us busy!

If I have time after that I want to do the VAT return, but if I run out of time I can do that tomorrow instead.

It's really cold today and there's a horrible sort of drizzle going on. I felt cold in bed last night even with a thick duvet, fleece blanket and wool blanket on top!

jwil

Good luck with the PPI and Vat return