General Chit Chat

[Gooner Girl]

Whoever coined the term 'terrible twos' was lying, its definitely the 'terrible threes'... x 2...

Looking forward to going to work for a rest this afternoon.

[William the White]

Whoever coined the term 'terrible twos' was lying, its definitely the 'terrible threes'... x 2...

Looking forward to going to work for a rest this afternoon.

On my 50th birthday my dad offered the opinion that the first 50 years of being a dad were the worst...

i now have three in their 40s.

I'm not arguing with him.

[Gooner Girl]

Whoever coined the term 'terrible twos' was lying, its definitely the 'terrible threes'... x 2...

Looking forward to going to work for a rest this afternoon.

On my 50th birthday my dad offered the opinion that the first 50 years of being a dad were the worst...

i now have three in their 40s.

I'm not arguing with him.

Thanks for that encouragement!

[malcd1]

Whoever coined the term 'terrible twos' was lying, its definitely the 'terrible threes'... x 2...

Looking forward to going to work for a rest this afternoon.

Don't forget the terrible fours as well.

By the time they get to five they have started to act almost like humans.

[Dujon]

Thanks for the encouragement, WtW. My eldest attained the grand old age of forty earlier this week. He has not as yet grown out of his teenage non-knowledge as to where his feet are. Add to that his habit of travelling bare footed and the plot thickens. There is hardly a visit when he doesn't stub his toe(s) against a piece of furniture or inadvertently kick one of the cats in the head or even trip over his own shadow.

Please tell me it gets better from now on. Please?

[General Mannerheim]

Never had any trouble at all with our eldest; two's, three's good as gold.

All changed when the new baby arrived though!!

[clapton is god]

I resisted as long as I could but couldn't hold out any longer. I have finally instructed a PPI claim company, not, I might add, one that approached me out of the blue, but one I have selected. Anyone any experience in these things? Does it make me a pariah? Do I need to open a Swiss bank account now to take all the cheques or just buy a wheelbarrow?

[Annoyed Grunt]

I resisted as long as I could but couldn't hold out any longer. I have finally instructed a PPI claim company, not, I might add, one that approached me out of the blue, but one I have selected. Anyone any experience in these things? Does it make me a pariah? Do I need to open a Swiss bank account now to take all the cheques or just buy a wheelbarrow?

Did you not think to do it yourself? It's fairly straightforward, my Mrs just printed off a letter from the internet and posted it off....got about £12k back...

[Lost Leopard Spot]

I resisted as long as I could but couldn't hold out any longer. I have finally instructed a PPI claim company, not, I might add, one that approached me out of the blue, but one I have selected. Anyone any experience in these things? Does it make me a pariah? Do I need to open a Swiss bank account now to take all the cheques or just buy a wheelbarrow?

Did you not think to do it yourself? It's fairly straightforward, my Mrs just printed off a letter from the internet and posted it off....got about £12k back...

You paid £12,000 in insurance!!! How much was the loan? Or am I getting myself muddled up. I've never bothered with this PPI malarkey because I thought if the loans I was taking out were for only £500 or so, the insurance part must have been tiny, am I wrong about this?

[Lord Kangana]

I've received more back in interest than I paid out. It depends how old they are LLS.

[Lost Leopard Spot]

In that case I might have to investigate. Do I need bank details or can I just claim and they tell me how much I'll get back?

[Lord Kangana]

I'm a bit of a squirrel LLS. I keep all my bank, loan cc statements, everything. Including a couple of written suicide notes by my own bank salesperson (desperate for commission no doubt), where its very clear they mis-sold me.

So, first steps...

1) Establish what if any PPI you have from your records (do you have any?)
2) Go on to MSE or a similar site and download the template letter
3) Fill it out to your circumstance, quoting the account numbers involved etc, and send it to ythe relevant bank etc.
4) Be prepared for a rebuttal. This is now standard practice
5) Complain to the Ombudsman (again quick google brings up the form) and let them deal with it.

Two small pieces of advice... Don't take no for an answer, this is now their only defence, and don't discuss things on the phone, ask for it all in writing. They have the power of recorded calls, you don't.

[Bruce Rioja]

I resisted as long as I could but couldn't hold out any longer. I have finally instructed a PPI claim company, not, I might add, one that approached me out of the blue, but one I have selected. Anyone any experience in these things? Does it make me a pariah? Do I need to open a Swiss bank account now to take all the cheques or just buy a wheelbarrow?

Did you not think to do it yourself? It's fairly straightforward, my Mrs just printed off a letter from the internet and posted it off....got about £12k back...

Exactly that, Clapton.

I received a letter from Santander about a loan I'd taken out (and had settled) with Abbey Nat some years ago. Some forms came with it which they asked me to fill in and return. I threw them in the bin thinking 'well that's nothing to do with me'. A couple of months later they wrote to me again sort of saying 'you really should fill these in and get them back to us', so I did and then got a cheque from them for not far short of half the amount that I borrowed in the first place. As such, this got me onto it, and I've done quite alright out of it now (and am still awaiting an offer of one lot which is imminent).

What to do - go to the website of anyone you've had any kind of loan or credit card from and somewhere on the homepage will be a tab for PPI claims. It takes about two minutes to fill the forms out - do not involve and third party claims firms.

And think on, Clapton, you're not a pariah at all. It's your money that you've had taken off of you without your consent.

[Prufrock]

Yeah, not your fault at all! The only other thing I thought you could have meant would be would it make you persona non grata with any financial institutions. I would think not, though who knows on reality.

[Bruce Rioja]

Yeah, not your fault at all! The only other thing I thought you could have meant would be would it make you persona non grata with any financial institutions. I would think not, though who knows on reality.

Seemingly not.

[Lord Kangana]

If they're going to hold me to account for asking for my own money back, then get ready for the next scandal to break in about 5 years.

[Prufrock]

It hardly seems unrealistic given their form does it ?!

[Lost Leopard Spot]

I'm a bit of a squirrel LLS. I keep all my bank, loan cc statements, everything. Including a couple of written suicide notes by my own bank salesperson (desperate for commission no doubt), where its very clear they mis-sold me.

So, first steps...

1) Establish what if any PPI you have from your records (do you have any?)
2) Go on to MSE or a similar site and download the template letter
3) Fill it out to your circumstance, quoting the account numbers involved etc, and send it to ythe relevant bank etc.
4) Be prepared for a rebuttal. This is now standard practice
5) Complain to the Ombudsman (again quick google brings up the form) and let them deal with it.

Two small pieces of advice... Don't take no for an answer, this is now their only defence, and don't discuss things on the phone, ask for it all in writing. They have the power of recorded calls, you don't.

Cheers LK.
There's nothing relevant in the last 12 years or so. I recently changed from HSBC to Halifax and I've had no loans from either, but the bank before that, NatWest caused me all sorts of problems with overdrafts and what nots inc. a series of loans that escalated. I'm pretty certain some had PPI, but all the paperwork is buried deep in chests somewhere in the loft or cellar or garage or somewhere else. I just don't have the can-be-arsed to dig it out.

[Lost Leopard Spot]

...unless of course they owe me £12,000. For that I'd go through every box I've got.

[Annoyed Grunt]

I resisted as long as I could but couldn't hold out any longer. I have finally instructed a PPI claim company, not, I might add, one that approached me out of the blue, but one I have selected. Anyone any experience in these things? Does it make me a pariah? Do I need to open a Swiss bank account now to take all the cheques or just buy a wheelbarrow?

Did you not think to do it yourself? It's fairly straightforward, my Mrs just printed off a letter from the internet and posted it off....got about £12k back...

You paid £12,000 in insurance!!! How much was the loan? Or am I getting myself muddled up. I've never bothered with this PPI malarkey because I thought if the loans I was taking out were for only £500 or so, the insurance part must have been tiny, am I wrong about this?

It was on a couple of loans, I think...not me though....