things that make you go ARRRG!
just chat amongst yourselves whilst I rant now will you? Today is not being as nice as it should be. i mean, the sun is shining, the sky is blue, the birdies are tweeting….. and I am in a foul temper.
In the post this morning I got a letter from the company that I hve my endowment plan with. This plan was taken out to pay off £25k when i bought my first house and was transfered over to our new one meaning that when it matures in 10 years from now we will hve a significantly lower mortgage and so be in a much better position to pay for things like Aprilia going to Uni etc. Currently I am paying £34 per month into it, £4 of which is "administration charges" I’ve just got a letter today saying that there is going to be a serious shortfall and that in order to get anywhere near £25k I need to raise my payments just a little bit….. to £100 a month. WTF???? If I do that I will have paid in £18k over the course of the endowment meaning that it will have only earned me £7k which I could have saved and then some in not having paid so much interest on our **** interest only mortgage if I had been paying that extra into it every month. Of course, i don’t have a valid claim against them as the orgininal paperwork had that bland "investments may go down as well as up" which the bint who sold me the policy said not to worry about, it’s just a legal thing, endowments ALWAYS pay out more than the projected figure. But that wasn’t in writing so I have no claim. 
And then i opened the next letter. My Red Cross "pay slip". Now, you may remember they cocked up the other month and paid my wage to someone else. Well, last month I therefore got 2 month’s worth of pay processed as if it had all been earned in 1 month and that tipped me over into needing to pay NI (if you earn under a certain amount each month you don’t pay NI) So this month guess what? All I got was my "holiday pay" - they have to pay you some nominal amount per hour that you work which they add on every 3 months. No sign of the 2 full days that I worked anywhere. Which means next month I will end up paying another £8 Ni again and that’s before we factor in loss of interest as the money isn’t in my account 
And I cna’t find a cheque book with an cheques in, found 3 empty ones lying round but non with any in.
and the little s**ts round here have trashed the play park again
and I am fed up with the kids next door playing football against my wall, over my front garden and round my car.
bah humbug!
