Claiming back PPI? Why give some of it to a third party?

I was recently asked the question: Which of the PPI claimback companies would I recommend?

The short, simple and to the point answer was: None of them.

Because why on earth would you claim back possibly thousands of pounds that you’re owed, just to give anything from 10% to 30%, maybe more, to a third party – when you can do what they do just as easily?

I was working for a bank at the time and the question was posed by a customer. She’d been advised by her union that they would do her PPI claim back for her – for 30%! I believe the average payout is a little under £3000, so she may have ended up paying them aproximately £900 to make a phone call or send a letter she could do herself!

The bank I worked at had a dedicated unit with a free phone number for customers to call; the form is provided and the banks are under orders from the government to deal with the complaints as quickly as possible, irrespective of who make them: Claim back companies do not take precedence over customers going direct themselves and therefore will not be any quicker.

So do yourselves a favour if you think you may be owed money because of mis-sold PPI – contact the provider direct. There are plenty of free guides and templates to help, such as the one on the MoneySavingExpert.com website.

PPI in itself is not a bad thing; in fact, some people have cause to be extremely grateful for it. However, do shop around if you want cover in case you lose your job or are unable to work due to illness or accident. These are some on line providers, recommended by the Guardian: British InsurancePaymentcareiProtectHelpuCoverColumbus and Ant.  British Insurance advised the Guardian that around £25 a month covers £1,000 worth of bills, but you can choose according to your individual needs.

Women: Know Your Place! (It’s wherever you want it to be)

According to a diligent and thorough survey of – only 180 people – elderly women are figures of fun and women are token panel members! Conclusive, would you say? Read through this article in the Telegraph and see if you feel the same way I do.

For starters, Ann Widdecombe, whatever your personal views, was undoubtedly one of the stars of Strictly Come Dancing Series 9. It wasn’t because she was old or a woman or because she wasn’t a very good dancer – the so called  ‘joke’ contestant – it was because she was herself.  She didn’t win because, as all regular viewers, passionate about the show know, a good dancer has always won and no amount of media hysteria is going to change that, dance off or no dance off. Yes, I’m looking at you lot who kept banging on about John Sargent, instead of just letting him enjoy his natural run. Russell Grant was this year’s equivalent – supposedly the joke but he had rhythm and timing and the entertainment factor. The joke figures are the ones who can’t dance, but are convinced they can – and no-one knows who they are until a few weeks in. See what Ann had to say on the matter.

Being yourself, having a ball, and being paired with a professional dancer who understands what the show is all about (making the most of your partner’s strengths and entertaining a diverse viewing population) is the winning combination: Chris Hollins & Darren Gough didn’t win because they were good dancers (and don’t let anyone tell you otherwise; they were) they won because they, along with Ann, had a ball, fell in love with dancing and it showed. Alesha didn’t win because she’s a young, pretty woman, she won because she was a fantastic and hard working contestant who had the perfect partnership and a down to earth, funny character …  is it my imagination, or are the media now embarking on a ‘Get Alesha’ campaign?

The results of the survey mentioned above suggest they’re influenced as much from what those 180 watch on the telly as their real – life perceptions and prejudices. As an avid viewer of the panel games mentioned, Jo Brand is always fantastic value; Victoria Coren, concise and precise; Sarah Millican just has to mention cake and I’m hers. However, there are other women I see who are, quite simply, not as funny. My criteria for a panel is that they make me laugh; I refuse to count how many of each sex have taken a turn.

I’m no fan of shoving a woman in to make up the numbers; I’d hate to be promoted to make up a quota instead of earning it.  I don’t need to be told I have rights; I know my rights. I don’t believe I think the way men want me to think (as some tweet I saw the other day suggested) I’m perfectly capable of making up my own mind, thank you. I’ve worked in some very male dominated environments and can honestly say I’ve never been harassed. So women, quit complaining and go on an assertiveness course if you need to. The world is yours, you can achieve anything you like – take a look at the money lists. There’s not as many women as men but men had a head start – we only got the vote 90 years ago. And as much as that was down to the Pankhursts, it was also down to the Nightingales and Frys too – driven women have always achieved, not had it handed to them on a plate because it was their ‘right’. Male or female, it’s ambition, acumen, drive and belief that will find a way. Timidity isn’t exclusive to females; there are plenty of men who don’t achieve.

Enfranchisement, that's the word I was looking for ...

Women’s Lib had its moment, now it’s up to us individually. Want to stay at home with the kids? It’s your choice, do it. Want to work full time? Knock yourself out. There’s no right or wrong.  It’s our choice. And I do wish the righteous few would let us just get on with it.

Photo courtesy of Ell Brown on  Flickr

Blogging Blast!

If you don’t ask, you don’t get!

I noticed a fellow blogger on Twitter guest blogging for the MSN Strictly Come Dancing blog and thought, why not? So I asked Matt Ball, MSN Strictly Blogger-in-Residence, if I could have a go – and he said “Yes!” Just like that! So away I went, from Monday through Friday, writing the MSN It Takes Two blog “XX things we learned on It Takes Two tonight”! It was thoroughly enjoyable and if you’re into Strictly (or even if you’re not) you can read the posts here:

Monday: Men should do their own hair.

Tuesday: Hats are a dancer’s nemesis.

Wednesday: Chelsee has found her shoes!

Thursday: Harry will not be wearing tights!

Friday: Harry did a rumba move and bumped into a radiator!

Thanks to Matt for the opportunity!

That ‘Green’ Thing

Doing the rounds of the internet – it’s so very true and reminded me of another blogger, who was tidying up his life to make it cleaner, greener and neater and taking back time from the modern day gadgets and media. We  should all take note. I’m already looking at the plug sockets and thinking which ones I could lose. And seeing how long it takes the kids to notice …

At a supermarket, the cashier advises an elderly woman that she should bring her own bags because plastic bags aren’t good for the environment. She apologises and explains “We didn’t have the green thing back in my day” to which he responds: “That’s our problem today – your generation didn’t care enough to save the environment!”

He was right – there was no ‘green thing’ back then – instead, glass bottles were turned to the shop or off licence to be re-used; there were no lifts or escalators using energy in every office or shop; most people walked to the shops instead of climbing into a 300-horsepower machine to go shopping; fruit and veg was bought loose and washed at home – there weren’t bins full of plastic, foam and paper packaging that needed huge recycling plants fed by monster trucks all day; babies nappies were washed because disposable hadn’t been invented – and dried on a washing line instead of in an energy gobbling machine burning up 220 volts – wind and solar power was harnessed; kids got hand-me-downs (hand-made or hand knitted) clothes from their siblings, not brand new clothing shipped from the other side of the planet; shops repaired things with ‘spare parts’ – whole items weren’t thrown away because one small part failed; we only had one TV or radio in the house, with a screen the size of a handkerchief (remember them?) not a screen the size of Wales. In the kitchen, blending and stirring was done by hand instead of by electric machine; fragile items sent by post were wrapped in wadded newspaper to cushion, not Styrofoam or plastic bubble wrap; a petrol burning or electric machine wasn’t used to mow the lawn, but human power. Doing all these things manually kept people fit – there was no need for a brightly lit, air conditioned health clubs with electronic machinery and millions of plastic bottles full of ‘special’ water. There were water fountains in schools and offices instead of using disposable plastic cups; pens were refilled with ink instead of being thrown away and a new one bought; razor blades were replaced, not the whole razor; people used the bus, or rode their bikes, or walked to school instead of mum being a 24 hour taxi service; there was one electrical outlet in a room, not an entire bank of sockets to power a dozen appliances; a gadget to receive a signal beamed from a satellite 2000 miles away wasn’t needed to find the nearest fish’n’chip shop.

It wasn’t called the ‘green’ thing – it was what you did and it saved money and energy. Granted, it didn’t save time – but doesn’t the harking back to those vintage years reflect that people seemed so much more content with their lot? A damaged environment, regrettably, is the price we’re paying for progress, convenience and leisure time.

It seemed all the more pertinent when I read today that kids think they’re deprived if they don’t have an i-pod or the latest trainers or satellite tv – and in terms of how they feel, I get that – they compare themselves to their peers and if their peers’ parents are daft enough to indulge them, then feelings of envy will surface. So it’s up to parents to point out to their little darlings how well off they actually are – make them sit and watch Children in Need and Comic Relief all the way through, not just the fun bits, to realise just how much they take for granted.

Work is the curse of the creative classes …

Why do I want to write? A) Because I enjoy it and B) earning a living doing something I enjoy is preferable to a boring office job, isn’t it? But how much do I want it? Am I prepared to compromise on my own voice, my own style, to make a living?

Working with the Restore Rochester Castle committee means I’m going to be sending press releases to various media outlets – I’ve already done one – and I wrote a basic but informative piece, not overlong, which gave them all the relevant information they needed because I know how it works: they’ll re-write it, unless they’re lazy journalists – which isn’t my problem because if they print it as it is I know it’s professionally written, at least in respect of grammar, spelling etc.

However, I’ve resisted the temptation to look at any ‘How-to-write-a-press-release’ gumph, because do I want the Restore campaign to have the same voice as every other campaign out there or do I want them to sound human and individual? But should I be writing to a formula, a pre-ordained format? Isn’t it unprofessional of me not to?

I love writing for Rochester People – the guideline to the publisher role was very much to make it my own, to write however and whatever I feel the local community would want to read. Indeed, what they were looking for was a blogger rather than a trained journalist, for exactly those reasons stated above – a human voice, not a machine churning out the same as everyone else.

Had I managed to land the local reporter role I went for recently, would I have had to adhere to certain rules – rules I imagine that trained journalists learn at college, of which I have no knowledge? Rules that would have ruled out* the digressions I make in the middle of articles sometimes (*did you see what I did there, eh? Did you?) or the *addition of a little aside in asterisks* or #twitterhashtags references – and therefore made my job of writing said article much less fun for me? The media chief who asked for the applications via Twitter made my day by leaving a comment on The Scatter – only for me to find out during the resultant conversation that I’m “a star” but to “carry on what I’m doing” – because “that’s where your talents lie” i.e. not in the reporting of a local court case with little scope for creativity.

To say I was gutted would be true, totally. I am going to check out the ‘how-to-write-a-press-release’ gumph, because writing, any sort of writing, is what I want to do. I want to be challenged by writing about subjects I’m unfamiliar with. I want potential clients to see my complete portfolio and know that I’m someone who can write whatever they want me to write, in any style or form. Simply because, I love writing and I want the freedom to pursue it at a creative level. If formulaic press releases are where I begin, that’s fine with me.

It’s all go!

And because it’s all go, I’m not going to make the deadline for the 2 Days Later competition this time around. But, I have all the pieces in place, I now know how my digital camera works and will be filming the indoor scenes over the next couple of months, while I knock together a script for 2 Days Laughter! Then come Spring, I’ll get the outside shots done and hold fire for the next one!

Restore Rochester Castle have gone crazy with events – see here if you wish to take part/donate or attend in a sponsored walk around the Castle grounds or a Fancy Dress Halloween special at local wine bar/club, Olivers. There’s also a very straightforward ‘Donate’ button, if you could be so kind as to spare just a £1 – every little makes a difference, thank you! Long term project wise, we’re putting together a book about the castle, made up of pictures, photos, paintings, poetry, anecdotes and more, from whoever wants to contribute, so watch out for details on that, coming soon!

The LitFest blog is finding more events and news to share and Strictly Come Dancing is starting this week, so The Rhythm of Life will be updating regularly. And I thought I’d finally, finally, cracked it with a chance of landing a new, part time writing job last week, only to find it wasn’t part-time and I did actually need journalism qualifications! But I received some superb feedback which has boosted me, especially in respect of The Scatter blog, so you may see more activity on there – and, if all plans come to fruition, a book!

Until then, I’m off to Upnor on Tuesday to hang around the Magwitch film shoot, courtesy of Viola Films! Pics and quotes will be posted on Rochester People and Rochester LitFest – I’m very much looking forward to seeing the action!

 

Meeting Ironclad stars, James Purefoy *swoon* and Jamie Foreman!

As an Associate Member of the Restore Rochester Castle committee and Community Publisher for Rochester People, it was my job (yes, it was tough. Very) to interview the astoundingly smoulderingly handsome personage that is James Purefoy (Rome, Solomon Kane, Injustice – I could go on) and the soon-to-be-the-most-feared-hard-man ever to grace EastEnders, Jamie Foreman (Layer Cake, Nil By Mouth and countless more!) Who was so sweet and lovely he’s completely ruined what Derek Branning could ever be for me! They were guests of honour at a special screening of Ironclad at Rochester Castle on Saturday night, and did a fantastic job helping us fundraise. Click their names to see the interviews.

The film was fantastic (considering my limit for violence is Indiana Jones) and with the weight of history and a terrific ensemble cast (it’s been likened to The Magnificent Seven, only with more blood) the story rose above the carnage to give us a snapshot of what it must have been like (some liberties were taken, to be fair) in that space, at that time. For the low down of the screening on Saturday night, see here, and view the smouldering galleries here. I’m only surprised the camera didn’t melt.

Recycle your phone to the Aspinall Foundation! Please. If you don’t mind.

Did you know, 100 million mobile phones are thrown away each year!! And, because they and other techy toys are manufactured using a metallic ore called Coltan, a wonderful primate called the Drill is in imminent danger of extinction.

Coltan is mined from areas the Drill (I know, ironic much?) lives in – western Cameroon, Bioko Island, southeastern Nigeria – and the bigger the demand for mobile phones etc, the bigger the danger to the Drills habitat. The mining companies open up large areas of Primary forest to travel to the ore to mine it and the Drill is suffering the consequences. Like being hunted isn’t enough.

Yes, he's sad - he and his cousins are losing their homes ...

So how can you help? Well, by recycling your phone to the Aspinall Foundation, the components inside can be re-used, decreasing the need to mine more from precious habitats. And by doing this, Aspinall’s will also receive vital funds which is then put directly towards the conservation of species like the Drill.

They're not happy about it either ...

There are still two weeks of school holidays left, why not take the opportunity to visit Port Lympne or Howletts and see at first hand the wonderful work they’re doing.

... and all you have to do is send your old phone to Aspinalls - simples!

The making of … and blog updates!

I’ve dabbled in a bit of scriptwriting but never made a film before. That’s all about to change, as I’ve got friends Carole and Marilyn on board and I’ve spent £6 on props – all I need is to find my camcorder and away we go! It’s a short horror piece for the 2 Days Later Short Film Competition, see more details here.

The Rhythm of Life has two updates recently, the main one I wanted to share is about The Swim, a new fund raising initiative by Cancer Research UK and features a team of celebrities swimming across the Irish Sea. They are Pamela Stephenson, Ronan Keating, Richard Branson, Jenny Frost and Jason Bradbury, check it out here.

And wonder of wonders, an opportunity to take the Michael, just a teensy bit, out of Dancing on Ice Mr.Nasty, Jason Gardiner, on The Scatter. It fair leapt out at me from Yahoo news and I just couldn’t resist!

Rochester LitFest

I’m not normally short of things to write but it’s become apparent that I’m not spending as much time on my creative writing as I’d like to. So let me introduce you to Rochester LitFest, somewhere I can collect all the local events and writing challenges together  – and hopefully enter a few myself! Working together with other local writers, we may even put on a live festival of our own, or at the very least open mic events. Rochester is well known for its festivals, but they’re usually focused on music, dance and visual arts – we think it’s about time we had one for writers!