Smile !

It happened ! I received the refund on Thursday. First thing I did ? Paid £1500 off my debt and put £100 in the EF. Now I have control, I'm not letting it slip away. Yes I have a credit balance too, just a small one, but that's my buffer until I get the momentum going.

I am going to invest in my plan for creating extra income. I will have to invest in some components for my jewellery making, but that will be minimal because I am determind to make it work this time.

Thanks for all your comments, I've had five days off from work as it's half term, so am feeling refreshed and positive for the weeks ahead.

Can't Keep It To Myself Anymore

Right, perhaps if I blog about it it just may happen, way back in October I blogged about reclaiming my PPI from a well known UK Bank - see this post . First letter they said no, I challenged their decision as I know I wasn't given the option to take this without the PPI product included. In January they sent a letter not admitting they were at fault but had decided to to refund my premiums and interest.

This is pure estimation but that works out at approx £2,200. I have to estimate it as they didn't quote any figures or advice how or when they were going to pay. Included in the the letter was a form to sign that no further action would be taken regarding this claim and return within 10 days, I duly returned it by recorded delivery. However I didn't include a covering letter (to be honest I've run out of ink !) Now a little research on a few consumer forums and I should have added a letter advising I would appreciate the funds being repaid to such and such account within a stipulated time frame.

If they don't reply by todays post I think I will phone and follow up with letter (have to be hand written ugh!) I'm taking control of this situation now, because it's my money.

Secondly now I've paid Cahoot off I shall start the same process with them. (And buy some ink in the process!) If you don't ask you don't get.

There I've told you now..if you build it they will come :)