Has it happened to you? You are sitting somewhere, locked in an unfocused gaze. Your friend pipes up ‘what are you thinking about?’ and your natural response is
‘I was just wondering if I have PPI’
Well, it never happened to me but it does turn out that I did indeed have PPI. A text message from my bank this morning showing a credit of nearly £1600 – with a reference ‘PPI’. Of course, the company took a hefty chunk – 25% + VAT but still, money for old rope.
The biggest surprise was not the fact I had PPI without knowing – oh no. The biggest surprise was finding the culprit. See, over the years I have borrowed from many institutions and there were a few that I was sure would come up positive. Years ago there was a company called HFC Bank, I was sure they would have ripped me off. Then Alliance and Leicester, had a few loans with them – but nothing.
The shock came when I found out that First Direct – my wholly trusted bank since the 90’s had charged me twice. First Direct, part of that giant HSBC had charged me on a loan and a mortgage. Honestly, I was stunned by that. I would have almost trusted them with my life.
Sad thing is, they are very good at looking after their customers – so much so, I have recommended them several times in the past. It’s a sad day when an old friend lets you down so badly.
Years ago, I ventured into a Lidl store to try it out. When I say years ago, it was when they first came to the UK. If you remember, and you tried it back then, you will remember what a complete cluster fuck it was. No amount of saving money would have me putting up with that nonsense twice a week.
All that has changed my chums. Earlier this week, I ventured into Lidl again. Long gone is the shit fight that used to be. Brands laid on shelves waiting to be picked up. I was astounded (and I don’t use that word lightly) by the amount of goods that were produced in Britain or contained produce from Britain – this alone should be a good enough reason to shop there, especially ‘post brexit’.
What was even better was the price. My two full ‘bags for life’ cost me less than £21 and have fed me quite happily for 5 days now – I am sure I will also survive the weekend on what I have. Admittedly, it was all food. no cleaning, hair & beauty, alcohol present, but damn it was cheap. I suspect the same bags of stuff at Sainsbury or Tesco would have cost 50% more.
‘How does it taste?’ I hear you cry
Well – bloody good I would say. The soups have been spectacular, the wraps stupendous, cottage cheese way better than Sainsbury or Tesco, fruit and veg going strong still, the chicken was delicious but breakfast cereal will be a little boring wherever you buy it from. I did have a problem with the eggs but I suspect that may have been down to operator error not waiting for the pan to be on the boil before inserting the eggs.
So – I am a convert. The only thing missing was cucumber. I will get that at Tesco later.
Still studying. My last results came back as two passes. One was just a scrape through but a pass is a pass and that’s all I needed. Honestly thought I had failed that one and was preparing to re-sit in October when my results landed. I opened the envelope to see the results.
The SQA that manage the exams send a summary page of all of the exams you have sat with them, usually these are in date order. When I opened the letter my eyes dropped to the last two lines on that page. Both said passes. Convinced I had failed one, I didn’t believe it and looked at the top two lines – both of those said passes. Still not convinced, I scanned the whole column – each line said ‘PASS’.
Still not convinced, I went back to the top and started reading the subjects. This time, the latest subjects were at the top. I read them, both passes. Read them again – still both passes and then, those immortal words echoed from my lips while I stood with both of my parents in their kitchen – ‘ Fuck Me – I passed them both’.
Now either their hearing aids were not working properly or they decided to give me that one on the house considering the circumstances. All was well.
I remained in shock as I was convinced – without doubt, that I would re-sit one of them.
Do you ever catch yourself saying something stupid? I did the other day. The missus is away on holiday and I am looking after her dog. We were getting ready to go out in the car and as we were going in the Range Rover, he had to go in the boot so he didn’t scratch the leather.
I started the car and found the dog opened the tailgate and put him inside.
As I put him down and prepared to close the tailgate – I said to him, ‘Roshea (that’s his name) – Stay There’
I mean, what a dumb thing to say right, where was he going to go? The gate was still closed on the driveway.
Back to studies – last exam on 3rd October – here’s hoping to maintain that 100% 1st time pass rate