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"That's nothing. I waiting on a cheque for $6m from the bank of Uganda! " | |||
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"Good on you brother. Take your time spending it but enjoy it and don't feel guilty and sad when its all gone. Buy stuff which will last you for years so you have something to show for it" | |||
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"Life's too short so blow the lot and enjoy! "hmm good thinking, ain't been to Blackpool in a while lol | |||
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"Just had 2 cheques from the Halifax totalling £6k for the PPI scandal. Only Lloyds, RBS, MBNA and Nat West to go now, hmm what can I spend it on "It not right they took it in the first place though like with all the others due money back why didn't you read what you were signing up for in the first place? | |||
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"Must have been on the bones of your arse to have that many loans and receive that much Ppi ,,,,just saying "No but I was married, with a mortgage etc etc, she was a very expensive luxury I couldn't afford  | |||
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"Doesnt that means that you have big loans? " It's mis sold insurance from loans, mortgages etc so yes at some point the person had finance off the bank | |||
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"That's nothing. I waiting on a cheque for $6m from the bank of Uganda! "lolz, ive just got the fonejavker guy in my head now, 'there is a pigeon in your bank account' | |||
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"Doesnt that means that you have big loans? " Not anymore | |||
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"Must have been on the bones of your arse to have that many loans and receive that much Ppi ,,,,just saying No but I was married, with a mortgage etc etc, she was a very expensive luxury I couldn't afford "Just be careful she doesn't come after 50% of it! | |||
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"Must have been on the bones of your arse to have that many loans and receive that much Ppi ,,,,just saying No but I was married, with a mortgage etc etc, she was a very expensive luxury I couldn't afford
Just be careful she doesn't come after 50% of it!"Shhh it's a secret  | |||
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"Life's too short so blow the lot and enjoy! hmm good thinking, ain't been to Blackpool in a while lol "You could buy a lot of rock and kiss me quick hats with that money hehe x | |||
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"Life's too short so blow the lot and enjoy! "I spend it on a Holiday to Blackpool and then somewhere less exotic like Cube for a rest and recuperation break after being in Blackpool  | |||
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"Life's too short so blow the lot and enjoy!
I spend it on a Holiday to Blackpool and then somewhere less exotic like Cube for a rest and recuperation break after being in Blackpool " | |||
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"Or you could take me for a slap up meal and Chams "Aaaaw can I come?  | |||
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"I will be winding my merry way up to the pool soon. Now I wonder if anybody from here is up there.." There may well be someone closer than you think hehe | |||
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"Or you could take me for a slap up meal and Chams
Aaaaw can I come? "Of course | |||
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"That's nothing. I waiting on a cheque for $6m from the bank of Uganda! " | |||
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"I will be winding my merry way up to the pool soon. Now I wonder if anybody from here is up there.. There may well be someone closer than you think hehe "Well I hope so. Dont have a b&b do you. .....or the address of one ?  | |||
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"Life's too short so blow the lot and enjoy!
I spend it on a Holiday to Blackpool and then somewhere less exotic like Cube for a rest and recuperation break after being in Blackpool
"cube ? | |||
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"Life's too short so blow the lot and enjoy!
I spend it on a Holiday to Blackpool and then somewhere less exotic like Cube for a rest and recuperation break after being in Blackpool
cube ?"Is that somewhere in Blackpool we don't know about? | |||
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"Or you could take me for a slap up meal and Chams
Aaaaw can I come?
Of course "Italian? | |||
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"I will be winding my merry way up to the pool soon. Now I wonder if anybody from here is up there.. There may well be someone closer than you think hehe
Well I hope so. Dont have a b&b do you. .....or the address of one ? "There's loads here hun... | |||
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"Or you could take me for a slap up meal and Chams "Hmm now theres an offer | |||
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"Or you could take me for a slap up meal and Chams Hmm now theres an offer "Aaaaah but she says I can come too | |||
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"Mmmm some fun of course mandarin oriental the lanesborough are lovely you may even get change - not a lot though lol "Wondered when you would get here, you were happy with a last time, hows you  | |||
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"Or you could take me for a slap up meal and Chams Hmm now theres an offer
Aaaaah but she says I can come too "You can all come, hang have I spelt that the right way | |||
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"Mmmm some fun of course mandarin oriental the lanesborough are lovely you may even get change - not a lot though lol Wondered when you would get here, you were happy with a last time, hows you "I am good thanks and I still am ok with and the odd dash of vodka lol - it was a suggestion how you could spend it  above all enjoy yourself xx | |||
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"Just had 2 cheques from the Halifax totalling £6k for the PPI scandal. Only Lloyds, RBS, MBNA and Nat West to go now, hmm what can I spend it on "Just how much debt did you have O.o | |||
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"Just had 2 cheques from the Halifax totalling £6k for the PPI scandal. Only Lloyds, RBS, MBNA and Nat West to go now, hmm what can I spend it on
Just how much debt did you have O.o"didn't have any, was living within my means, just loans that go back 20 years, just didn't have the readies at hand to buy car,get married, set up house etc etc | |||
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"we have been waiting nearly two years for them to decide if we are owed any enjoy yours" Thank you | |||
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"Fly fishing "Cricket | |||
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"Life's too short so blow the lot and enjoy! hmm good thinking, ain't been to Blackpool in a while lol
You could buy a lot of rock and kiss me quick hats with that money hehe x "
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"Fly fishing Cricket
Iceland and a kindle "you philistine, kindle indeed | |||
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"I'd spend 5900 on beer and women and probably just waste the rest" | |||
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"Fly fishing Cricket
Iceland and a kindle you philistine, kindle indeed" | |||
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"Just had 2 cheques from the Halifax totalling £6k for the PPI scandal. Only Lloyds, RBS, MBNA and Nat West to go now, hmm what can I spend it on "Did you just get compensation for being mis-sold something? how does that make you jammy? you just got your money back. | |||
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"most of the claims for 'mis-sold' PPI are fake, very few of the policies were mis-sold in the legal sense but as all the scam companies jumped on the bandwagon the banks just decided to settle as it would be cheaper than all the legal proceedings. The latest scam is mis-sold investments on the stock market (also known as gambling, maybe they will be going after the sports tipsters next) If you signed a document saying you had read all the T&Cs then either you knew you were taking out PPi or you made a fraudulent application for the CC or loan I guess I am actually one of the few people in the country who actually used PPI to pay off the CC balances when I was out of work. " Hey good for you, mean that, but what they didn't say, is that you could have got it cheaper, perhaps I'm jumping on the band wagon too, you cant blame me though | |||
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"Invest it on your conscious and give it to charity . "money,money, money,..is the root of all evil" as the song goes." Edit: conscience | |||
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"Invest it on your conscious and give it to charity . "money,money, money,..is the root of all evil" as the song goes. Edit: conscience" good idea, and we all know, charity begins at HOME | |||
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"I can honestly say I don't get it at all.....if you buy something because it suits your needs at the time, why are they refunding? I can understand if they sold you something that because of your circumstances they kne wouldn't pay out if you had to claim.....but because it could have been cheaper elsewhere? is that why they are paying out?
"they refunded us because they insisted we took PPI and misled us about what it covered, they also didn't tell us that we had the same cover as standard with our bank account. They also actually said they wouldn't lend us money unless we took their product, told us that we only needed to pay it for part of the term of the loan and then they would refund the entire amount which would be enough to cover the outstanding loan amount...effectively shortening our loan period by several years.....it was all untrue. | |||
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"I can honestly say I don't get it at all.....if you buy something because it suits your needs at the time, why are they refunding? I can understand if they sold you something that because of your circumstances they kne wouldn't pay out if you had to claim.....but because it could have been cheaper elsewhere? is that why they are paying out?
they refunded us because they insisted we took PPI and misled us about what it covered, they also didn't tell us that we had the same cover as standard with our bank account. They also actually said they wouldn't lend us money unless we took their product, told us that we only needed to pay it for part of the term of the loan and then they would refund the entire amount which would be enough to cover the outstanding loan amount...effectively shortening our loan period by several years.....it was all untrue. "In your case - fully deserved compo. It just seems others are claiming because of the press coverage, claims firms cold calling (who will take a cut when it's simple to claim yourself for free!) and just because the lure of cash is too tempting. Many forget that it was totally sensible and suitable for them and not at all Mis-sold. I just worry that with a lot of redundancies going on many people run the risk of being bitten in the arse because they wanted a few quid for a holiday - the stats on what people spend their refunds on are shocking. I don't see why any refund shouldn't be automatically paid off any existing lending rather than sent as a cheque, if the debt still remains. A | |||
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" In your case - fully deserved compo. It just seems others are claiming because of the press coverage, claims firms cold calling (who will take a cut when it's simple to claim yourself for free!) and just because the lure of cash is too tempting. Many forget that it was totally sensible and suitable for them and not at all Mis-sold. I just worry that with a lot of redundancies going on many people run the risk of being bitten in the arse because they wanted a few quid for a holiday - the stats on what people spend their refunds on are shocking. I don't see why any refund shouldn't be automatically paid off any existing lending rather than sent as a cheque, if the debt still remains. A" So I am guessing "because it was cheaper elsewhere " isn't a reason for a refund going by what you say? | |||
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"Just had 2 cheques from the Halifax totalling £6k for the PPI scandal. Only Lloyds, RBS, MBNA and Nat West to go now, hmm what can I spend it on "Ooh I must go and fill in that form!! | |||
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" In your case - fully deserved compo. It just seems others are claiming because of the press coverage, claims firms cold calling (who will take a cut when it's simple to claim yourself for free!) and just because the lure of cash is too tempting. Many forget that it was totally sensible and suitable for them and not at all Mis-sold. I just worry that with a lot of redundancies going on many people run the risk of being bitten in the arse because they wanted a few quid for a holiday - the stats on what people spend their refunds on are shocking. I don't see why any refund shouldn't be automatically paid off any existing lending rather than sent as a cheque, if the debt still remains. A So I am guessing "because it was cheaper elsewhere " isn't a reason for a refund going by what you say?" No idea! But if you sign up to a gas company on a fixed deal and then find one cheaper - there's no right to compo. Or if you buy a car and see one cheaper down the road..... I don't see cost as an argument. A | |||
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" No idea! But if you sign up to a gas company on a fixed deal and then find one cheaper - there's no right to compo. Or if you buy a car and see one cheaper down the road..... I don't see cost as an argument. A" Thats what I thought too, I can't see how they can pay out for that, if they are forced to I think that unfair. | |||
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"I can honestly say I don't get it at all.....if you buy something because it suits your needs at the time, why are they refunding? I can understand if they sold you something that because of your circumstances they kne wouldn't pay out if you had to claim.....but because it could have been cheaper elsewhere? is that why they are paying out?
they refunded us because they insisted we took PPI and misled us about what it covered, they also didn't tell us that we had the same cover as standard with our bank account. They also actually said they wouldn't lend us money unless we took their product, told us that we only needed to pay it for part of the term of the loan and then they would refund the entire amount which would be enough to cover the outstanding loan amount...effectively shortening our loan period by several years.....it was all untrue.
In your case - fully deserved compo.
It just seems others are claiming because of the press coverage, claims firms cold calling (who will take a cut when it's simple to claim yourself for free!) and just because the lure of cash is too tempting.
Many forget that it was totally sensible and suitable for them and not at all Mis-sold. I just worry that with a lot of redundancies going on many people run the risk of being bitten in the arse because they wanted a few quid for a holiday - the stats on what people spend their refunds on are shocking.
I don't see why any refund shouldn't be automatically paid off any existing lending rather than sent as a cheque, if the debt still remains.
A"yes we made the claim ourselves it was very straightforward but we did make ourselves look a bit sill by refusing the first cheque on teh grounds that they hadn't paid us interest on the money, then re reading the accompanying letter clearly stating "interest has been paid at a rate of x%" .
Interestingly I recently received a letter from a company I took a policy out with years ago then stopped, outlining why I had been mis sold,I didn't think I had but what they said was correct so I returned the forms saying that what they had stated was true and have received two small cheques from them this morning. I have no loans with them, they were policies to cover lost keys, lost credit cards and lost documents so I will be spending the money how I please the fact that this will be paying a couple of bills is galling but that's the way life goes | |||
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" No idea! But if you sign up to a gas company on a fixed deal and then find one cheaper - there's no right to compo. Or if you buy a car and see one cheaper down the road..... I don't see cost as an argument. A Thats what I thought too, I can't see how they can pay out for that, if they are forced to I think that unfair. " Yep. But banks are easy targets. You won't see the same happening in other sectors - utilities, car dealers, supermarkets, housing etc. It's the 'compensation culture' the uk has inherited from the US. Like accident claims companies. Surely, by definition, an 'accident' is just that - something that happens through no fault or blame. Yet I'm constantly being called and approached in the street asking if I've had one. To which I say yes - but as it was an accident why would I seek to apply blame and claim compo at somebody else's cost? It's claims like this that put the costs of services up - from banking to insurance. A | |||
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@ Obi | |||
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"I can honestly say I don't get it at all.....if you buy something because it suits your needs at the time, why are they refunding? I can understand if they sold you something that because of your circumstances they kne wouldn't pay out if you had to claim.....but because it could have been cheaper elsewhere? is that why they are paying out?
they refunded us because they insisted we took PPI and misled us about what it covered, they also didn't tell us that we had the same cover as standard with our bank account. They also actually said they wouldn't lend us money unless we took their product, told us that we only needed to pay it for part of the term of the loan and then they would refund the entire amount which would be enough to cover the outstanding loan amount...effectively shortening our loan period by several years.....it was all untrue.
In your case - fully deserved compo.
It just seems others are claiming because of the press coverage, claims firms cold calling (who will take a cut when it's simple to claim yourself for free!) and just because the lure of cash is too tempting.
Many forget that it was totally sensible and suitable for them and not at all Mis-sold. I just worry that with a lot of redundancies going on many people run the risk of being bitten in the arse because they wanted a few quid for a holiday - the stats on what people spend their refunds on are shocking.
I don't see why any refund shouldn't be automatically paid off any existing lending rather than sent as a cheque, if the debt still remains.
A"All my loans were paid off years ago, so that would make me a jammy bastard lol | |||
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