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Hmmmmm............. with you on the lack of pennies - hence the PG tips at the side of me instead of blo*dy ribena!!!!

 

You could send the kids out singin................... or better still - sell the hubby!!!!!! xx ;):D :D

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know the broke feeling all too well!

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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Feeling right peeved now I can tell you.

just had one of hubby's friends on the phone telling him he thinks I should except the £3000......... bird in the hand an all that!

 

nearly led to an all out aurgument with hubby!

 

I just can't bring myself to except that offer when my claim is now £5600 inc 8% interest. that excludes court costs of £120.

I know having that £3000 now would help us out of this really big hole and would mean I could just whip out and buy another fridge/freezer.

 

But my reasoning is, we do have a credit card we could use! and yes we would probably have to find 1 or maybe 2 months extra payments on the card, but if I win we'll have a bigger payoff and I can clear it then!!

 

Sh*t.... as if this is'nt all difficult enough as it is, without adding this into the mix and causing tention between me an hubby......... feel like poo.

 

Think hubby has conceeded to my way of thinking though..... bless... he does try to be supportive of everything I do.

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Tempty do not fall out it's not worth it. Your hubby has not had a look at this site and how things work, let him on for half an hour, let him see what peeps go through and what happens. That's if he will, most men think things just happen! us girls know different, you have to make them happen. You have shut him out and they don't like it, that you can achieve something and without their help. Try and get him more involved if you can.

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trouble is he's just left me to get on with it all, so although he supports me in doing it, he has'nt got the first clue as to what's involved (lol think I'm only slightly ahead of him there anyway). so trying to explain to him what's ahead of me, how long it's likely to take, what my chances are and why I think they're so high. is a bit of a nightmare!

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all good advice, thanks enaid hun :)

 

we have'nt fallen out as such, just had a slightly heated discusion! we very rarely aurgue over anything! He's just worried, I get that. So am I if the truth be known. I will deffinatly try to get him to have a look at the site tomorrow, he's got another friend of his over atm. they're in the shed doing god only knows what to his bike atm (lol oh well keeps him chiled out, so who am i to complain)

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Well get a print off of some winning claims or something, won't he come on here and have a look for himself. Anyway it's not worth a domestic, but in my eyes the money is YOURS you have the right to claim it back. The money has been long gone, if you had not put a claim in it would still have been long gone and to let go so close and lose 1 third of your claim is not on, IMHO.

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It's so easy to fall out about money when you're skint.......... and totally fatal as well! Just imagine how he'll feel when a cheque for the full amount plops through the door - cos you can do an awful lot more with the full amount than you can with £3K hun. Don't worry - he'll probably understand it a bit more when he looks at the site. xxx

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I'm with you on that one. I don't ever remember telling the bank they could have that money!! and now that I've found out I can have it back I'm certainly not going to settle for only part of it. if anything (oh eck and now the anger is kicking in)..... I'm more determined to carry on and get the lot now!!! just to make his friend look a total pillock and prove I was right

 

 

ooohhh yeah here comes the rebel

 

 

 

Tempty's back

 

 

 

 

 

quite theraputic this typing lark!!! LOL

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Lol

 

feeling more like myself now, not sure if that's got anything to do with the very large glass of red I've got sat in fromt of me ;)

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Course you're a nut............. just like the rest of us!!!!!!! Lol!!!

 

Ignore yer other halfs mate........... he's a male - and they're notorious for giving out advice on stuff they know absolutely nothing about! Can't be helped - it's just the way some of them are!

 

Don't worry hun........... the cash'll be yours again soon - then you can stick two fingers up at his mate!!!!!!!!!!!! xxx;)

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LOl

well it's good to know I'm not a lonely nut then ;)

 

I can allways count on on you nutters to out nut me anytime LOL

and don't deny it I just caught sight of Fendys thread pmsl :D

 

I'm gonna have to love ya and leave ya for tonight, thanks for the pick me up girls ;)

 

my friends just arrived with another bottle...... how can i refuse that eh?

 

have a goodnight :)

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Blimey, am I the only nutter on here tonight sippin' PG blo*dy tips!!!! Lol........... I'd kill for a glass of ribena right now!!!

 

Take care tempty hun, don't worry - it'll be fine. Promise!

 

Nitey nite........... have a nice big glass for me please!!!!!!! ;)

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Im on black coffee. xx

NATWEST BANK CLAIM - £16,100.00 WON

ABBEY BANK - £5500.00 WON

CAPITAL ONE VISA - £1800.00 WON

HUBBYS CAPITAL ONE VISA £2012.00 WON

TOTAL WON TO DATE: £25,400

*************************************************:D :D

NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING

ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING

YORKSHIRE BANK - AT SAR STATUS

HALIFAX CREDIT CARD - AT SAR STATUS

PLENTY MORE TO START LATER.

STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.:D :D

 

STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT :confused:DUE TO WHAT LIFE DOES TO YOU. :)

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Yaaaaaaaaayyyyyyyyyy............ another 'teetotal for tonight' nutter just like moi!!!!!!!!!!! xx :lol:

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Morning Gang :)

 

well no big supprise, did'nt get any reply from my mail to Mr higley, so it's onward and upward we go :)

 

will be sending a letter of rejection to natwest today regarding the £3000 offer, and will also be sending out a mail to cobbets containing a copy of rejection letter, copy of mail sent to mr higley, respone to CPR 18 (as in don't need it, stop bugging me LOL) and cover letter stateing my intent to file a N244 (as soon as I hear from courts) and of course new copy of schedule! ...... phew that little lot should keep me busy for a bit!!!

 

first job though.......... gotta go buy another fridge/freezer :(

then go recover me grub from up the road in my friends house! Thank god for small mercies in that we have a car big enough to pick one up ourselves!.......... saves £25 delivery!! and means I can at least get it sorted today!!!....... providing I can find one to fit in the damn hole in the first place LOL

 

oh well catch you later girls

bye for now xx

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well good new's is I found a freezer :) can't get it till saurday though, but no biggie! Also have to have the damn thing delived as some idiot decided he could'nt find his brake pedal and drove at 20 mph straight into the back of us while we were waiting at the traffic lights!!!!. Can my luck really get any worse....... no don't answer that.

Needless to say both hubby and I are now feeling rather sorry for ourselves, both of us suffering with very sore necks (felt perfectly ok at the time though) so looks like it's a trip to the doc's for both of us, just to get checked out. car looks like it'll be a write off as the rear has been shunted forward about an inch and has 2 big creases down the sides. Have to say though insurance company have been diamonds.... within 3 hours of calling them I have a brand spankers mondeo delivered to the door as replacement till mine either gets repaird (doubtfull!) or written off and we get paid for it, They have booked a call for solicitors to contact us (now at the time i called them, i thought that was a bit over the top.....we felt fine) pretty glad about that now. Also Recieved a call from them an hour ago to say they've contacted the 3rd party and that our car will be picked up some time tomorrow. So have to say was impressed.

 

feel like sh*t, can't believe our bad luck! was just very gratefull we did'nt have the kids in the car at the time.

 

intend to get very, very, drunk later (need to laugh, or I'm seriously gonna cry!)

 

hope you all had a better day ;)

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Tempty

 

Really sorry about your day, the car and all. Hope you feel better in the morning. Impressive insurance company though

 

Steven

 

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Thanks Steven :)

nice to know there are some companies out there, that DO take care of their customers!!....... are you listening NATWEST!!!!! maybe you should take a leaf out of AUTO TRADER INSURANCE 's book...... true super star's :D

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Tempty, you've had an awful day hun, on top of the awful day that you had yesterday! Thank God you didn't have the kids in the car - and at least you an hubby are safe and well. Don't worry, things will pick up soon - it's just that when you're on a run of bad luck, you have to let it take its course. Things'll pick up soon - promise. Big hug to you, xxxxxxxxxx ;)

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thanks for the hug hun, must admit feeling pretty low, but I'll be ok

 

was pretty funny watching the front end of his car totaly fall apart when we tried to seperate them, my tow bar had compleatly dissapeared inside his car Lol

 

like I said gotta laugh or I'll cry :)

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