"One does not simply walk into Mordor..."

One does not simply walk into Mordor and not say hi to Sauron's mom. She babysat you for the first 4 years of your life while your mother got her degree in nursing. You owe both your mother and Sauron's mom a great deal. Visiting Sauron's mom every once and awhile really isn't that much of a burden. She misses you a lot. Don't let poor Sauron be the victim of guilt because you're neglecting your loving duty.

PPI?

chai2 wrote:

PPI?

Payment protection insurance. Credit card companies used to charge this as a matter of course. It was found illegal and they were ordered to pay it all back. There's a lot of people affected and a load of dodgy companies are advertising on TV to say they can get it back for you, less a huge commission. They're particularly frenzied right now because the banks don't have much longer to tell those affected, and if you get a claim form from your bank you'll get the lot.