Pashley26

I'm pretty sure I'm the king of warning points? I was after all permanently banned for over two years.

Yes.

I've never been described as needy before, that's a new one. I'm really not needy. But having spent 6 months away from my girlfriend, having constantly been told by her that she misses me and that she's looking forward to coming home again and blah blah blah out of the blue yesterday she just pipes up and says "I'm going traveling again in the summer. Oh and by the way I think I'm going to live with my parents when I get back because it will stop my mum moaning all the time" seems a bit odd really. Only two weeks ago she was telling me what kitchen she would like in the new house and how nice it would be to live on a main London train line so she could go into London to see all her mates again without having to worry about finding somewhere to stay or the hassle of getting back and how great all the schools in the Fleet area are and how it had so many job opportunities for her. Bearing in mind, 8 months ago she just came home from work and dropped into conversation "oh yeah, I quit my job today. I'm going to Australia at the end of term." She is pretty great at just changing her mind about things, I'm sure she will have changed her mind entirely the other way by tomorrow night. I guess this is how it must seem to other people when I talk about buying cars?

It's infuriated me that she has had me here, missing her constantly for months on end when she plans on coming back, then going straight back out again. She will probably change her mind, it just annoys me that I haven't even come on the radar in her thoughts.

You find me one person who would be happy for their girlfriend to spend twelve out of eighteen months traveling around the world, expressly saying that you can't go with them with no consideration for what the boyfriends concerns might be and I'll eat a dog shit. She can f**k right off if she thinks I'm going to be some stay at home door mat whilst she travels the world and has a fantastic time.

I'm being ignored now because in response to her declaring "I will have to work really hard and live at my parents so I can save enough money to go backpacking across Europe in summer" I said... "You have just spent 6 months in Australia leaving me here twiddling my thumbs and spending thousands renovating a house for us to live in that you don't seem to give a f**k about, if you're going to just run off again when you get back then say so now so I can go and find myself a girlfriend that isn't a selfish twat." Apparently that's an unreasonable reply?

Seems a bit odd to me. Mini's with power are scary, they don't handle "well" and they just don't seem all that great. What they feel like is unsafe. Unless you change the engine, space frame it, widen the track and go mental making it an all out competition car. In which case very few run an A-Series. Why would you spend a fortune on that for a road car? That's a rhytorical question, I know why you would...because it is cool. But I would argue a decent stage 2 mini with comedy suspension is a better car than some crazy build Mini which is built to the standard that you would want direct injection. I'm only gauging this on my experience of driving Prawns Mini and driving a stage 2 1275. But aren't Mini's best when they're kept how they would have been at the time? Just my thoughts, no need to take any notice or offence to them.

Women do confuse me sometimes. Before she went travelling she was hugely unhappy because she felt like there was no space at home, she didn't have any free time, her mum was stressing her out, working 24/7 at the pub life was just a wash rinse repeat of "get up, go to work with parents and be stressed out all day, come home, go to work, go home again, be stressed out by parents again. Come and see me, moan at me about it all the time and not have a good time because she was stressed, back to parents and repeat." So now that the travelling is coming to a close, and she is on her way back next weekend, even though I've worked really hard preparing a lovely house that we can both spend as much time as we want in, is so cheap she doesn't have to rush into a job and will be the answer to all of her prior problems... Apparently she is going to work at the pub again and carry on juggling life between parents, me and most importantly what she wants. Why are women incapable of understanding that if you keep doing what you've always done, you will always get what you've always got. I find it very odd. It doesn't annoy me, I've got my lovely house and I will be super happy there. But what will annoy me is the constant moaning about something that she can change so easily. I know that as soon as she realises how stress free and great I have it she will want to get involved. It just confuses me why she can't see that now. /rant. No further input required really.

lol-ocaust.

Finally finished tiling my bathroom. Well happy with that.

Beazles. This morning, I had a lot to do. I assembled the drawer units, drilled and countersunk the handles. I finished the glossing on the skirting boards. My stepdad fitted the baton and suspended the units then levelled them off. My stepdad measured and cut the counter top, I screwed it down. Then pictures cut out for a bit because it was all a mad rush. But now, I've had dinner, kitchen is fitted and I'm tiling my way around. A couple of other things to do, I need to extend the worktop over the washing machine and fit the end facia decor panels. I'm so happy that I went for the grey and white theme, I like knowing I've got exactly 'my' kitchen that I wanted and it's not just a copy and paste that I've had a designer do, or seen online. The tiling will really turn it up a notch, can't wait. Tomorrow the decorators are coming in to make good all the walls and paint everything brilliant white. I'm knackered, but I can't stop because I've got get it tiled for tomorrow.

Having to re-plumb the kitchen because this looks absolutely shit. The happy part of this post is that it's finished, thank f**k.

I bet you can't, it's been a long time coming. It's a bit of an odd one this, my Grandpa's shop is now sold. He has got two years to wind the shop down and hand the keys back, but part of the sale was that it had a serviceable and livable duplex above it. I have shown him that it isn't livable. And I understandably don't want to live in it as it sits. So his options were, I move out because Bethan won't live there. Then in 18 months time he will need to renovate it for sale. Or, I fit a kitchen, get the place re plastered and decorated, renovate it to being a nice place to live and don't pay rent. So it has worked out well for me, I get to be handy with the DIY and have all the things I want, I don't pay rent and grandpa gets a huge improvement in price for his property.

This. I've ony got my hot and cold water feeds going above the units, which I will box in. Luckily I am not mounting the units there because it will block off a window so I am just running a 400 unit up to it, boxed in against the pipes. Shit is getting out of hand.

House things. I've been very quiet lately, because I've been flat out. Moved into the new house, some quite serious dramas involving my sister, basically nobody had been into the house she lived in for 7 years, which in itself sounds a bit weird but we all just assumed she was a bit reclusive about it. Anyway, it came to the time that she decided to move out, Grandpa said I can move in (it's his place) so mum agreed to help her move. Turns out that she has got a serious hoarding problem, like on those TV programmes where people just hoard rooms full of shit absolutely floor to ceiling. Yup. There were rooms in the house which were literally floor to ceiling with 'stuff' just chucked on top of more stuff, some rooms you couldn't even open the door to fully. Insane. My mum's pretty distraught about it. Sooooo, I've got a house project. First thing to do was to remove all the damp and the mold from the walls, it's disgusting really. Last Saturday my mate Joe came down to help me move, good lad. My mum refused to let me see the place until she'd spent an entire day cleaning it, but even after a days worth of mum's attention it was still absolutely disgusting. Deadline is that I've got my girlfriend getting back from Australia on the 31st. So I've got until the end of the month to get this place spot on. Anyway, I've spent all week assembling furniture, sanding down and preparing the glossing and woodwork in the house, cleaning everything, replacing locks, replacing plumbing, organising the decorators coming in, getting an electrician in to sort out the electric meter, getting the utilities and internet/sky setup, changing the power supply on my cooker, fitting a hot water feed for my washing machine and replacing the waste from the old sink, fixing all of the windows, measuring and booking new flooring, all sorts of stupid shit. Today I went a bit nuts and bought a new kitchen. I'll be fitting it this weekend with my stepdad which will be nice. Decorators are in on Monday to paint everything brilliant white. Electrician should be in by the weekend to give me some additional power points. Plumber is in on Monday to replumb the feeds for the kitchen sink. f**king. Exhausted. And skint. Some pictures from over the past week. Sam the 50''er. The place is absolutely huge! Taking Joe out for a curry to thank him for the house move help. My 75ft back garden. The first night in the new house. Prawn came round and bought me Dominos. I bought the coolest light in the world ever. My first dinner in my new house that I'd actually cooked myself. Another curry...Haha. The state of all the window frames. My little work station that I'm working my way around the house with renovating things on. Made good of the mold, glossing 90% done. Decorators are doing the final gloss coats and cutting. Looking a bit more homely! I'm having the kitchen fitted out with these gloss grey doors on the base units, two 600 and two 400's as base units, then two 600 and 400 wall units mirrored above them with a gloss white door. That's the base unit doors And these are the wall unit doors. Obviously all the corner plynths and ends have matching fascias. The doors all have heavy duty soft close hinges. The handles are badass, pressed brushed stainless handles. Then for counter top I've got a 2.8mm surface with a stainless base. Matching stainless sink, with a dedicated 600 sink unit. And a new tap... Shit hot service from Ikea kitchens to be fair, free consultation, everything all done for me, the 67 items that make up my kitchen are being delivered tomorrow between 3 and 4 FOC. Can't grumble so far. I've got a room cleared out so I can make the units up whilst my stepdad rips out the old kitchen. Then tonight I've got to order my acrylic splash back and the metro-tiles for the cabinet to wall unit space. Exciting as f**k. This is my first proper house of my own, and I'm really loving it!

It isn't just you.

Agree 100%. It's shit to hear that its not even entirely your fault and that you've got into debt by trying to do the best by others. Crap times.

Welcome finance are what's called a 'sub-prime' lender, and operate under different terms to a main dealer like me. They would have sold you a policy on behalf of somebody else. Main dealers cannot do that, because they're representing a manufacturer and it's such dodgy business that the manufacturer won't let them do it. They also do drive-pay, where if you don't pay your payment...The car is electronically disabled remotely. Are you sure it wasn't GAP insurance rather than repayment insurance? f**king dodge company.

No, never. You've never been able to get repayment insurance on dedicated car finance as far as I know, not in the UK at least. And certainly not in my time.

I've downloaded a template complaint form and mis-selling questionnaire from the financial ombudsmen service, so I'll fill it out and send it off. I'm just pissed off that somebody has had me paying for something I didn't know I was paying for, that had I of known I wouldn't have wanted to pay for. Bastards.

I'm wondering this. Because the interest rate of the loan is a fairly low 9%, but the APR is almost double that. Which certainly in my line of business is an indication of the additional premium of a GAP insurance policy. But it doesn't say anything anywhere in my agreement documents about a payment insurance.

Mum needed it to fund the first seasons stock when she took over my grandparents business, because she chaned the name of the company they required payment pro-forma. So I took out a loan to fund it and became a partner in the beesnass.

£10,000? *does it go on total payable? So I borrowed £7000 and paid £3000 (give or take a few 100) in interest.

I've seen the adverts and things. But not really looked into it. In short... Had a loan. Paid it off. Got a rebate for "repayment protection insurance." Phoned them and said "wtf is this? Is it basically another word for PPI?" They said "yes but you need to speak to a different department." That's as far as I've got. Anybody had any experience with this?

Turns out that Halifax have been charging me for PPI on a loan I took our three years ago. Never had any paperwork, never had any mention of it, never even knew I had it until I settled the loan and saw a rebate. To. The. Cleaners.