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Community Forums => The Lounge => Topic started by: Woodsey on October 27, 2018, 02:07:34 PM



Title: Money saving thread
Post by: Woodsey on October 27, 2018, 02:07:34 PM
Just done a switch of my gas and electricity and switched to a new player in the market called Pure Planet which are not only just about the cheapest  I can see but are renewable and carbon offset energies, seem a win win all around.

Shameless spam- if anyone decides they want to join them use this link here and I get £25 amazon vouchers  :D

https://referme.to/9wVan8o

Even if you have no intention of using that link make sure you do a comparison every year of your energy or you are likley getting shafted to the tune of a few hundred quid on price.

Off to do, mortgage, Internet, mobile phones and house insurance next......I do this every year and I reckon if I didn’t I’d be paying ~£200 a month more for my household bills.

If anyone has spotted any great deals or has any tips please share on here  :)


Title: Re: Money saving thread
Post by: RED-DOG on October 27, 2018, 03:38:03 PM
I hate this 'Shaft the loyal customer & reward the newbe' culture.

I used the same insurance company for the first 30 years of driving, I've been forced to change every year since.



Title: Re: Money saving thread
Post by: Omm on October 27, 2018, 05:58:23 PM
Has anyone used the app MoneyBox? Essentially you can round up your purchases I.e buy a coffee for 2.70, round up to 3.00 and the extra 30p is put into “savings”. You can add top ups to the account, from what I can see you can then choose 1 of 3 ways it will get invested. Think they charge £1 a month after first 3 months. Promo vid says on average people save about a tenner a week from round ups.

Not a recommendation as I’m not using it, more of an enquiry if others think it’s worth using.


Title: Re: Money saving thread
Post by: EvilPie on October 27, 2018, 08:17:40 PM
I hate this 'Shaft the loyal customer & reward the newbe' culture.

I used the same insurance company for the first 30 years of driving, I've been forced to change every year since.



I've had this with house insurance, car insurance and recently even a mortgage.

I have my main bank account, work banking and three mortgages all with NatWest. Recently I went for a re-mortgage and they have a great rate available but only to new customers. When I told then I was moving away to HSBC they actually said "we like to think our existing customers will show us some loyalty". What the f**k??? How dare they.

I had the option of paying off my mortgage completely then re-applying but I couldn't have that rate for a re-mortgage. Well thanks a f**king lot....




Title: Re: Money saving thread
Post by: EvilPie on October 27, 2018, 08:24:49 PM
Just done a switch of my gas and electricity and switched to a new player in the market called Pure Planet which are not only just about the cheapest  I can see but are renewable and carbon offset energies, seem a win win all around.

Shameless spam- if anyone decides they want to join them use this link here and I get £25 amazon vouchers  :D

https://referme.to/9wVan8o

Even if you have no intention of using that link make sure you do a comparison every year of your energy or you are likley getting shafted to the tune of a few hundred quid on price.

Off to do, mortgage, Internet, mobile phones and house insurance next......I do this every year and I reckon if I didn’t I’d be paying ~£200 a month more for my household bills.

If anyone has spotted any great deals or has any tips please share on here  :)

£711 for me compared to the £360 I currently pay. Sorry mate but no voucher via me :D

Do you use MSE? I find they have pretty much everything covered. Vodaphone seems best for fibre broadband at the moment at less than £20 per month for 18months.

I just did my house insurance and got a great deal with co-op insurance. Insurance is always one I'm cautious with. I don't go for the cheapest as you need to know they'll pay out in the event of a claim. I've made two claims with LV and they were brilliant both times. If you get a decent price off them I'd go for it if I were you. I'd have happily paid an extra £50 to stick with LV because of how good they've been but the extra £400 they were after this time was a bit of a stretch....



Title: Re: Money saving thread
Post by: Woodsey on October 27, 2018, 08:40:26 PM
Cheers mate, was looking at vodaphone internet but it’s reviews are a bit mixed. Virgin have pissed me off recently with crap service and am paying about £40 atm so they are getting binned.

I look at a few of the comparison sites including MSE as there are deals that are sometimes bespoke to one site and not another, so it’s worth looking at more than one imo.

Reckon I can save £70 on the mortgage this time around so that’s looking good  :)

Will get to the others in due course.....


Title: Re: Money saving thread
Post by: Graham C on October 28, 2018, 09:30:59 AM
I hate this 'Shaft the loyal customer & reward the newbe' culture.

I used the same insurance company for the first 30 years of driving, I've been forced to change every year since.



My last car insurance letter had a note at the bottom of the (more expensive) quote saying that if I'd been with them for a few years I'd probably get it cheaper elsewhere.   


Title: Re: Money saving thread
Post by: ripple11 on October 28, 2018, 12:36:52 PM
Similar to Woodsey....switched to Bulb ( 100% renewable electricity, 10% Green Gas) via Money Saving Expert, and have a referal link too.

 £50 for you and me!  :)

bulb.co.uk/refer/nicholasj1226









Title: Re: Money saving thread
Post by: RED-DOG on October 28, 2018, 02:12:31 PM
Why don't they just offer the incentive money to the person who's signing up?


Title: Re: Money saving thread
Post by: Skippy on October 28, 2018, 03:41:22 PM
Be careful, with all this talk of Money Saving Expert, you might summon a camel....


Title: Re: Money saving thread
Post by: vegaslover on October 29, 2018, 04:21:58 PM
I hate this 'Shaft the loyal customer & reward the newbe' culture.

I used the same insurance company for the first 30 years of driving, I've been forced to change every year since.



I've had this with house insurance, car insurance and recently even a mortgage.

I have my main bank account, work banking and three mortgages all with NatWest. Recently I went for a re-mortgage and they have a great rate available but only to new customers. When I told then I was moving away to HSBC they actually said "we like to think our existing customers will show us some loyalty". What the f**k??? How dare they.

I had the option of paying off my mortgage completely then re-applying but I couldn't have that rate for a re-mortgage. Well thanks a f**king lot....




Natwest are a fking joke.
I have had several mortgages with them over past few years and still have my home mortgage and buy-to-let with them. Was looking at a property to buy and do up and the morrtgage advisor couldn't even do basic maths. Offered me a mortgage that was less than the deposit I was considering.  Went on their online site and got offered the full amount and cert of offer immediately.

Only stayed with them for my current mortgage as I have been self employed last couple of years and they accept my income as listed when I was employed.  Now I have just taken an employed position I will be moving elsewhere next year.


Title: Re: Money saving thread
Post by: Woodsey on October 29, 2018, 06:41:45 PM
Always batted away the PPI thing because I couldn’t be arsed. Decided to have a punt with one of the companies pestering me and managed to ship £850 today, didn’t expect that!  :D

It’s was actually only about £300 iin actual PPI, it was so long ago the rest was interest  :D


Title: Re: Money saving thread
Post by: EvilPie on October 30, 2018, 09:15:47 AM
Always batted away the PPI thing because I couldn’t be arsed. Decided to have a punt with one of the companies pestering me and managed to ship £850 today, didn’t expect that!  :D

It’s was actually only about £300 iin actual PPI, it was so long ago the rest was interest  :D

Excellent mate. I think everybody who's had credit cards or loans should do this as you really have nothing to lose. One of the guys I work with replied to one of the random texts he got and ended up with over £6k. Sure the company took 25% (it was £8k he was owed) but he'd never have done it himself anyway.

You can do this yourself quite easily apparently but personally I think you have a better chance using a PPI company as the lenders know what they're up against. I have friends who've tried it themselves and the stock response is just 'no'. I think you have to pester a few times to actually get anywhere and most people will just give up as they can't be arsed spending 10 hours of their time for an hourly rate way in excess of anything they'll ever earn in their lifetime. Weird one that isn't it.


Title: Re: Money saving thread
Post by: Woodsey on October 30, 2018, 10:28:47 AM
Always batted away the PPI thing because I couldn’t be arsed. Decided to have a punt with one of the companies pestering me and managed to ship £850 today, didn’t expect that!  :D

It’s was actually only about £300 iin actual PPI, it was so long ago the rest was interest  :D

Excellent mate. I think everybody who's had credit cards or loans should do this as you really have nothing to lose. One of the guys I work with replied to one of the random texts he got and ended up with over £6k. Sure the company took 25% (it was £8k he was owed) but he'd never have done it himself anyway.

You can do this yourself quite easily apparently but personally I think you have a better chance using a PPI company as the lenders know what they're up against. I have friends who've tried it themselves and the stock response is just 'no'. I think you have to pester a few times to actually get anywhere and most people will just give up as they can't be arsed spending 10 hours of their time for an hourly rate way in excess of anything they'll ever earn in their lifetime. Weird one that isn't it.


I looked into doing it myself and it was a pain in the arse, would never have done it. The good thing about the PPI companies is all you need to give them is the name of the banks/companies you’ve ever had credit cards/loans/mortgages with and the addresses you’ve lived at and that’s all they need, no account numbers or anything, it allows them to do a massive sweep on your behalf.

In fact the 2 companies that I thought were most likley drew a blank, the money I got back was from Natwest which is my main bank account and it was for a loan I don’t even remember having  :D


Title: Re: Money saving thread
Post by: vegaslover on October 30, 2018, 11:45:07 AM
Me and the mrs did this after seeing someone on another forum doing so.
I got sod all but mrs got £350 for about an hours work filling out forms they sent us.


Title: Re: Money saving thread
Post by: edgascoigne on October 30, 2018, 07:59:51 PM
Excellent book released recently called, imaginatively, “Money” - written by Laura Whateley. Would heartily recommend.

As a financial planner at the ‘sharp end’ of the market one has a tendency to take certain knowledge/awareness for granted, but it has been a welcome reminder of quite how complex/jargon-heavy our financial system is.

Very friendly and easy read of a subject matter people typically wilfully ignore.


Title: Re: Money saving thread
Post by: bobAlike on October 30, 2018, 08:02:23 PM
Always batted away the PPI thing because I couldn’t be arsed. Decided to have a punt with one of the companies pestering me and managed to ship £850 today, didn’t expect that!  :D

It’s was actually only about £300 iin actual PPI, it was so long ago the rest was interest  :D

Excellent mate. I think everybody who's had credit cards or loans should do this as you really have nothing to lose. One of the guys I work with replied to one of the random texts he got and ended up with over £6k. Sure the company took 25% (it was £8k he was owed) but he'd never have done it himself anyway.

You can do this yourself quite easily apparently but personally I think you have a better chance using a PPI company as the lenders know what they're up against. I have friends who've tried it themselves and the stock response is just 'no'. I think you have to pester a few times to actually get anywhere and most people will just give up as they can't be arsed spending 10 hours of their time for an hourly rate way in excess of anything they'll ever earn in their lifetime. Weird one that isn't it.


I looked into doing it myself and it was a pain in the arse, would never have done it. The good thing about the PPI companies is all you need to give them is the name of the banks/companies you’ve ever had credit cards/loans/mortgages with and the addresses you’ve lived at and that’s all they need, no account numbers or anything, it allows them to do a massive sweep on your behalf.

In fact the 2 companies that I thought were most likley drew a blank, the money I got back was from Natwest which is my main bank account and it was for a loan I don’t even remember having  :D

This is so easy to do yourself. I had a call from the Claims guys and they were asking for 30% and they wouldnt budge. After having a look around i think MSE recommended using the below link.

https://www.resolver.co.uk/

Totally free and you get 100%.

I just thought that my default was always no when asked bout PPI but i thought i'd give it a go. I received just over £1,000. I then got the wife to do the same. She had a Barclay card since she was a student, well over 25 years ago. She received £7,600.

Please dont use the 3rd parties to claim PPI when it is so easy to do yourself. Just remember that the reason you get anything back is simply because you did not need PPI because you could service the debt by other means such as savings or family or were self employed and you still earnt if you were ill etc.


REMEMBER, PLEASE DO THIS YOURSELF AND DON'T USE 3rd PARTIES!



Title: Re: Money saving thread
Post by: MANTIS01 on October 30, 2018, 09:30:07 PM
I avoided making a claim for years thinking it was for sad & desperate folk. Then one day on a weekend break in St Ives I visited an art gallery and spent £1.5k on an oil painting. A day or so later I was feeling like that was a pretty indulgent purchase to make and at that moment a PPI advert popped up on the telly. Probably ignored about a million of these adverts in the past but because of the picture I picked up the phone and threw the dice.

Lloyds Bank have a dedicated PPI hotline so just dialled them direct. Every question they asked I just said "dunno" or "can't remember" because genuinely didn't think I had any kind of claim.

About 6 weeks later I opened a letter from the bank with a settlement for £12.8k. Honestly my jaw dropped and I have no clue what, how or when. I vaguely remember my student days being kinda messy but had zero recollection of specific loans or such like. So I can't agree with bobAlike more and thoroughly recommend picking up the phone direct to your bank.

Incidentally, I fucking love that picture. It has pride of place above my fireplace. It's a landscape painted in oil using a knife and it's worth about £13k to me.


Title: Re: Money saving thread
Post by: alanc on October 31, 2018, 10:02:32 PM
I can out trump the earlier Bulb Energy offer. You can use the following link to get a £100 discount. bulb.co.uk/refer/alan9358


Title: Re: Money saving thread
Post by: Woodsey on November 01, 2018, 12:49:54 AM
Always batted away the PPI thing because I couldn’t be arsed. Decided to have a punt with one of the companies pestering me and managed to ship £850 today, didn’t expect that!  :D

It’s was actually only about £300 iin actual PPI, it was so long ago the rest was interest  :D

Excellent mate. I think everybody who's had credit cards or loans should do this as you really have nothing to lose. One of the guys I work with replied to one of the random texts he got and ended up with over £6k. Sure the company took 25% (it was £8k he was owed) but he'd never have done it himself anyway.

You can do this yourself quite easily apparently but personally I think you have a better chance using a PPI company as the lenders know what they're up against. I have friends who've tried it themselves and the stock response is just 'no'. I think you have to pester a few times to actually get anywhere and most people will just give up as they can't be arsed spending 10 hours of their time for an hourly rate way in excess of anything they'll ever earn in their lifetime. Weird one that isn't it.


I looked into doing it myself and it was a pain in the arse, would never have done it. The good thing about the PPI companies is all you need to give them is the name of the banks/companies you’ve ever had credit cards/loans/mortgages with and the addresses you’ve lived at and that’s all they need, no account numbers or anything, it allows them to do a massive sweep on your behalf.

In fact the 2 companies that I thought were most likley drew a blank, the money I got back was from Natwest which is my main bank account and it was for a loan I don’t even remember having  :D

This is so easy to do yourself. I had a call from the Claims guys and they were asking for 30% and they wouldnt budge. After having a look around i think MSE recommended using the below link.

https://www.resolver.co.uk/

Totally free and you get 100%.

I just thought that my default was always no when asked bout PPI but i thought i'd give it a go. I received just over £1,000. I then got the wife to do the same. She had a Barclay card since she was a student, well over 25 years ago. She received £7,600.

Please dont use the 3rd parties to claim PPI when it is so easy to do yourself. Just remember that the reason you get anything back is simply because you did not need PPI because you could service the debt by other means such as savings or family or were self employed and you still earnt if you were ill etc.


REMEMBER, PLEASE DO THIS YOURSELF AND DON'T USE 3rd PARTIES!

Mine cost me 20% and and I’m glad I did it as a I simply would not have done it otherwise as they made it so easy for me.


Title: Re: Money saving thread
Post by: Marky147 on November 01, 2018, 12:57:21 AM
Always batted away the PPI thing because I couldn’t be arsed. Decided to have a punt with one of the companies pestering me and managed to ship £850 today, didn’t expect that!  :D

It’s was actually only about £300 iin actual PPI, it was so long ago the rest was interest  :D

Excellent mate. I think everybody who's had credit cards or loans should do this as you really have nothing to lose. One of the guys I work with replied to one of the random texts he got and ended up with over £6k. Sure the company took 25% (it was £8k he was owed) but he'd never have done it himself anyway.

You can do this yourself quite easily apparently but personally I think you have a better chance using a PPI company as the lenders know what they're up against. I have friends who've tried it themselves and the stock response is just 'no'. I think you have to pester a few times to actually get anywhere and most people will just give up as they can't be arsed spending 10 hours of their time for an hourly rate way in excess of anything they'll ever earn in their lifetime. Weird one that isn't it.


I looked into doing it myself and it was a pain in the arse, would never have done it. The good thing about the PPI companies is all you need to give them is the name of the banks/companies you’ve ever had credit cards/loans/mortgages with and the addresses you’ve lived at and that’s all they need, no account numbers or anything, it allows them to do a massive sweep on your behalf.

In fact the 2 companies that I thought were most likley drew a blank, the money I got back was from Natwest which is my main bank account and it was for a loan I don’t even remember having  :D

This is so easy to do yourself. I had a call from the Claims guys and they were asking for 30% and they wouldnt budge. After having a look around i think MSE recommended using the below link.

https://www.resolver.co.uk/

Totally free and you get 100%.

I just thought that my default was always no when asked bout PPI but i thought i'd give it a go. I received just over £1,000. I then got the wife to do the same. She had a Barclay card since she was a student, well over 25 years ago. She received £7,600.

Please dont use the 3rd parties to claim PPI when it is so easy to do yourself. Just remember that the reason you get anything back is simply because you did not need PPI because you could service the debt by other means such as savings or family or were self employed and you still earnt if you were ill etc.


REMEMBER, PLEASE DO THIS YOURSELF AND DON'T USE 3rd PARTIES!

Mine cost me 20% and and I’m glad I did it as a I simply would not have done it otherwise as they made it so easy for me.

I'm lazy like you, Woodsey.

I don't think I ever had any, because  was in the mob, and we got paid if we were sick etc.

Might as well see if I can get some free UFC tickets if they did tack it in somehow.

Who did you use, mate?


Title: Re: Money saving thread
Post by: Woodsey on November 01, 2018, 01:09:03 AM
Always batted away the PPI thing because I couldn’t be arsed. Decided to have a punt with one of the companies pestering me and managed to ship £850 today, didn’t expect that!  :D

It’s was actually only about £300 iin actual PPI, it was so long ago the rest was interest  :D

Excellent mate. I think everybody who's had credit cards or loans should do this as you really have nothing to lose. One of the guys I work with replied to one of the random texts he got and ended up with over £6k. Sure the company took 25% (it was £8k he was owed) but he'd never have done it himself anyway.

You can do this yourself quite easily apparently but personally I think you have a better chance using a PPI company as the lenders know what they're up against. I have friends who've tried it themselves and the stock response is just 'no'. I think you have to pester a few times to actually get anywhere and most people will just give up as they can't be arsed spending 10 hours of their time for an hourly rate way in excess of anything they'll ever earn in their lifetime. Weird one that isn't it.


I looked into doing it myself and it was a pain in the arse, would never have done it. The good thing about the PPI companies is all you need to give them is the name of the banks/companies you’ve ever had credit cards/loans/mortgages with and the addresses you’ve lived at and that’s all they need, no account numbers or anything, it allows them to do a massive sweep on your behalf.

In fact the 2 companies that I thought were most likley drew a blank, the money I got back was from Natwest which is my main bank account and it was for a loan I don’t even remember having  :D

This is so easy to do yourself. I had a call from the Claims guys and they were asking for 30% and they wouldnt budge. After having a look around i think MSE recommended using the below link.

https://www.resolver.co.uk/

Totally free and you get 100%.

I just thought that my default was always no when asked bout PPI but i thought i'd give it a go. I received just over £1,000. I then got the wife to do the same. She had a Barclay card since she was a student, well over 25 years ago. She received £7,600.

Please dont use the 3rd parties to claim PPI when it is so easy to do yourself. Just remember that the reason you get anything back is simply because you did not need PPI because you could service the debt by other means such as savings or family or were self employed and you still earnt if you were ill etc.


REMEMBER, PLEASE DO THIS YOURSELF AND DON'T USE 3rd PARTIES!

Mine cost me 20% and and I’m glad I did it as a I simply would not have done it otherwise as they made it so easy for me.

I'm lazy like you, Woodsey.

I don't think I ever had any, because  was in the mob, and we got paid if we were sick etc.

Might as well see if I can get some free UFC tickets if they did tack it in somehow.

Who did you use, mate?

These guys matey, very efficient.

https://www.gladstonebrookes.co.uk

It will involve a phone call and you telling them all the bank/companies you’ve ever had dealings with and all the addresses you have lived at. I then signed about 20 sheets of paper authorising them to search on my behalf and they then did everything from there.


Title: Re: Money saving thread
Post by: Marky147 on November 01, 2018, 01:25:31 AM
Always batted away the PPI thing because I couldn’t be arsed. Decided to have a punt with one of the companies pestering me and managed to ship £850 today, didn’t expect that!  :D

It’s was actually only about £300 iin actual PPI, it was so long ago the rest was interest  :D

Excellent mate. I think everybody who's had credit cards or loans should do this as you really have nothing to lose. One of the guys I work with replied to one of the random texts he got and ended up with over £6k. Sure the company took 25% (it was £8k he was owed) but he'd never have done it himself anyway.

You can do this yourself quite easily apparently but personally I think you have a better chance using a PPI company as the lenders know what they're up against. I have friends who've tried it themselves and the stock response is just 'no'. I think you have to pester a few times to actually get anywhere and most people will just give up as they can't be arsed spending 10 hours of their time for an hourly rate way in excess of anything they'll ever earn in their lifetime. Weird one that isn't it.


I looked into doing it myself and it was a pain in the arse, would never have done it. The good thing about the PPI companies is all you need to give them is the name of the banks/companies you’ve ever had credit cards/loans/mortgages with and the addresses you’ve lived at and that’s all they need, no account numbers or anything, it allows them to do a massive sweep on your behalf.

In fact the 2 companies that I thought were most likley drew a blank, the money I got back was from Natwest which is my main bank account and it was for a loan I don’t even remember having  :D

This is so easy to do yourself. I had a call from the Claims guys and they were asking for 30% and they wouldnt budge. After having a look around i think MSE recommended using the below link.

https://www.resolver.co.uk/

Totally free and you get 100%.

I just thought that my default was always no when asked bout PPI but i thought i'd give it a go. I received just over £1,000. I then got the wife to do the same. She had a Barclay card since she was a student, well over 25 years ago. She received £7,600.

Please dont use the 3rd parties to claim PPI when it is so easy to do yourself. Just remember that the reason you get anything back is simply because you did not need PPI because you could service the debt by other means such as savings or family or were self employed and you still earnt if you were ill etc.


REMEMBER, PLEASE DO THIS YOURSELF AND DON'T USE 3rd PARTIES!

Mine cost me 20% and and I’m glad I did it as a I simply would not have done it otherwise as they made it so easy for me.

I'm lazy like you, Woodsey.

I don't think I ever had any, because  was in the mob, and we got paid if we were sick etc.

Might as well see if I can get some free UFC tickets if they did tack it in somehow.

Who did you use, mate?

These guys matey, very efficient.

https://www.gladstonebrookes.co.uk

It will involve a phone call and you telling them all the bank/companies you’ve ever had dealings with and all the addresses you have lived at. I then signed about 20 sheets of paper authorising them to search on my behalf and they then did everything from there.

Lovely!

Thanks very much, and curry on me if I get anything  :)


Title: Re: Money saving thread
Post by: EvilPie on November 01, 2018, 07:18:41 AM
Always batted away the PPI thing because I couldn’t be arsed. Decided to have a punt with one of the companies pestering me and managed to ship £850 today, didn’t expect that!  :D

It’s was actually only about £300 iin actual PPI, it was so long ago the rest was interest  :D

Excellent mate. I think everybody who's had credit cards or loans should do this as you really have nothing to lose. One of the guys I work with replied to one of the random texts he got and ended up with over £6k. Sure the company took 25% (it was £8k he was owed) but he'd never have done it himself anyway.

You can do this yourself quite easily apparently but personally I think you have a better chance using a PPI company as the lenders know what they're up against. I have friends who've tried it themselves and the stock response is just 'no'. I think you have to pester a few times to actually get anywhere and most people will just give up as they can't be arsed spending 10 hours of their time for an hourly rate way in excess of anything they'll ever earn in their lifetime. Weird one that isn't it.


I looked into doing it myself and it was a pain in the arse, would never have done it. The good thing about the PPI companies is all you need to give them is the name of the banks/companies you’ve ever had credit cards/loans/mortgages with and the addresses you’ve lived at and that’s all they need, no account numbers or anything, it allows them to do a massive sweep on your behalf.

In fact the 2 companies that I thought were most likley drew a blank, the money I got back was from Natwest which is my main bank account and it was for a loan I don’t even remember having  :D

This is so easy to do yourself. I had a call from the Claims guys and they were asking for 30% and they wouldnt budge. After having a look around i think MSE recommended using the below link.

https://www.resolver.co.uk/

Totally free and you get 100%.

I just thought that my default was always no when asked bout PPI but i thought i'd give it a go. I received just over £1,000. I then got the wife to do the same. She had a Barclay card since she was a student, well over 25 years ago. She received £7,600.

Please dont use the 3rd parties to claim PPI when it is so easy to do yourself. Just remember that the reason you get anything back is simply because you did not need PPI because you could service the debt by other means such as savings or family or were self employed and you still earnt if you were ill etc.


REMEMBER, PLEASE DO THIS YOURSELF AND DON'T USE 3rd PARTIES!

Mine cost me 20% and and I’m glad I did it as a I simply would not have done it otherwise as they made it so easy for me.

I'm lazy like you, Woodsey.

I don't think I ever had any, because  was in the mob, and we got paid if we were sick etc.

Might as well see if I can get some free UFC tickets if they did tack it in somehow.

Who did you use, mate?

This is exactly the reason that if you had any loans or credit cards you need to check. If you got paid when you were sick then why did you need insurance? The answer is you didn't but they still gave it to you potentially without you even knowing.

When you look at the amounts some people receive you get a feel for just how scummy the industry is.


Title: Re: Money saving thread
Post by: bobAlike on November 01, 2018, 01:24:32 PM
Always batted away the PPI thing because I couldn’t be arsed. Decided to have a punt with one of the companies pestering me and managed to ship £850 today, didn’t expect that!  :D

It’s was actually only about £300 iin actual PPI, it was so long ago the rest was interest  :D

Excellent mate. I think everybody who's had credit cards or loans should do this as you really have nothing to lose. One of the guys I work with replied to one of the random texts he got and ended up with over £6k. Sure the company took 25% (it was £8k he was owed) but he'd never have done it himself anyway.

You can do this yourself quite easily apparently but personally I think you have a better chance using a PPI company as the lenders know what they're up against. I have friends who've tried it themselves and the stock response is just 'no'. I think you have to pester a few times to actually get anywhere and most people will just give up as they can't be arsed spending 10 hours of their time for an hourly rate way in excess of anything they'll ever earn in their lifetime. Weird one that isn't it.


I looked into doing it myself and it was a pain in the arse, would never have done it. The good thing about the PPI companies is all you need to give them is the name of the banks/companies you’ve ever had credit cards/loans/mortgages with and the addresses you’ve lived at and that’s all they need, no account numbers or anything, it allows them to do a massive sweep on your behalf.

In fact the 2 companies that I thought were most likley drew a blank, the money I got back was from Natwest which is my main bank account and it was for a loan I don’t even remember having  :D

This is so easy to do yourself. I had a call from the Claims guys and they were asking for 30% and they wouldnt budge. After having a look around i think MSE recommended using the below link.

https://www.resolver.co.uk/

Totally free and you get 100%.

I just thought that my default was always no when asked bout PPI but i thought i'd give it a go. I received just over £1,000. I then got the wife to do the same. She had a Barclay card since she was a student, well over 25 years ago. She received £7,600.

Please dont use the 3rd parties to claim PPI when it is so easy to do yourself. Just remember that the reason you get anything back is simply because you did not need PPI because you could service the debt by other means such as savings or family or were self employed and you still earnt if you were ill etc.


REMEMBER, PLEASE DO THIS YOURSELF AND DON'T USE 3rd PARTIES!

Mine cost me 20% and and I’m glad I did it as a I simply would not have done it otherwise as they made it so easy for me.

I'm lazy like you, Woodsey.

I don't think I ever had any, because  was in the mob, and we got paid if we were sick etc.

Might as well see if I can get some free UFC tickets if they did tack it in somehow.

Who did you use, mate?

These guys matey, very efficient.

https://www.gladstonebrookes.co.uk

It will involve a phone call and you telling them all the bank/companies you’ve ever had dealings with and all the addresses you have lived at. I then signed about 20 sheets of paper authorising them to search on my behalf and they then did everything from there.

Lovely!

Thanks very much, and curry on me if I get anything  :)

OK if you're adamant that you want to use a 3rd party just get them to check for you. They will do this free of charge. They probably wont tell you how much you're owed just that xxx owes you some money. At this point decline their offer to claim back and use resolver instead. You will have to answer or complete the same information whether you do it yourself or get the 3rd party to do it for you. Basically you will be giving away 20-30% of your money for no reason. More than happy to advise on the answers if you go your own way.


Title: Re: Money saving thread
Post by: Marky147 on November 01, 2018, 02:31:44 PM
This is exactly the reason that if you had any loans or credit cards you need to check. If you got paid when you were sick then why did you need insurance? The answer is you didn't but they still gave it to you potentially without you even knowing.

When you look at the amounts some people receive you get a feel for just how scummy the industry is.


Dirty :D



OK if you're adamant that you want to use a 3rd party just get them to check for you. They will do this free of charge. They probably wont tell you how much you're owed just that xxx owes you some money. At this point decline their offer to claim back and use resolver instead. You will have to answer or complete the same information whether you do it yourself or get the 3rd party to do it for you. Basically you will be giving away 20-30% of your money for no reason. More than happy to advise on the answers if you go your own way.

I'll have a look on MSE when I get five minutes, and work through it myself then.

Appreciate the offer of help, and will likely give you a shout when I get around to doing it.

Thank you :)


Title: Re: Money saving thread
Post by: Woodsey on November 04, 2018, 03:47:04 PM
Just shipped another 2.5k on PPI, didn’t expect that!  :o


Title: Re: Money saving thread
Post by: Doobs on January 31, 2019, 09:21:45 AM
https://www.theguardian.com/money/2019/jan/31/money-saving-expert-how-martin-lewis-became-most-trusted-man-in-britain-consumer-finance-advice (https://www.theguardian.com/money/2019/jan/31/money-saving-expert-how-martin-lewis-became-most-trusted-man-in-britain-consumer-finance-advice)

Calling the Camel.


Title: Re: Money saving thread
Post by: StuartHopkin on January 31, 2019, 11:20:34 AM
Forgot about this thread

Multiple Dwelling Relief!

If you ever buy a house with an annex make sure your solicitor ticks the multiple dwelling relief box, it could save you a fortune.

If they didn't then www.mdrclaims.com will help sue them.  ;D