November.2015.here.we.come

mum2one

The_Dragon wrote: »

Um just a question, if you are having problems with Halifax, why are Santander involved?

I have my main bank account with the halifax, but had a 2nd current account (had £100 from Quidco for opening it), and when I did the mystery shopping work from home, ringing up those lovely over 50 insurance polices - after 2 yrs of that never want to hear the word insurance again!!, I would have the money paid into the seperate account, so when I use to send statements into the DHSS, there was only 1 or 2 transactions, it was all agreed that it would be easier for the DHSS to have an account with just those transactions.

I encured a wack of charges with the halifax, when they had the £35 charges, a couple of quid overdrawn, and the charges snowballed, trying to sort that out as welll, trying under financial hardship with being on benefits, one month they charged me £500. xx

mum2one

The garage never got tidyed!! my knee gave way last night whilst getting out of the shower, went flying into radiator and the window ledge, - I just laughed, otherwise I'd of cried......... felt a right idiot, so have rested knee best can today.
Last month slipped getting into the shower and managed to get her head stuck between the bath and the sink, - it was nearly a fire engine job to remove her - got her out in the end.

Helped DD do some cooking, she made some coconut and orange buns, then fudge and walnut cake.......... there was me sat on 1 chair, leg up on another in pjs........ (did get washed - didn't fancy the clamber over the bath to get into the shower), - at least the new one gets fitted April. She was brilliant she weighed everything out, and really did well.

Thou I had a treat 2ngt - liquer coffee, Bailey (the very spolit dog), got his eye on the cream, so put a bit on finger for him to try, always leave the bottom bit, hate it when the cream has a skin on it.... he was sat on the back of the chair, - paw on shoulder as if to say I'm here...
Offered him the glass- he turned his nose up, went and sat on the settee then pawed for the drink......... guess who was daft enough to take it to him!! xx

mum2one

Just made my 1st (of many!!!) payments in March, feels a bit more positive as its tipped it into the next £100 bracket, sounds daft but looking at every £100 as a baby step, and the £1,000 as a mega stride, also had my paypal payment and added that to the dolphin fund so thats now gone into the next £100..... so thats on target, got a car boot at end fo the month, got some interest coming in, (not much butall helps) and just waiting for the £20 apology money from Santander to hit the account can then transfer across.

Sods law - Prague saga, found really great deal, went to book it last night and it had gone, - but on the positive found a better hotel, tram stop outside, even thou its aa 10 min walk to Praque castle. 5 mins to one of the bridges, but having the tram stop is the luxury, that means I can get out and about at my own pace. So fingers crossed have it booked by the weekend.

We went to the furneral on Tuesday, I got dad to come with me, were loitering at the back, about to sit on the last row at the chapel, but the undertakers, said no come and sit here, we were sat right behind the family. I think we lost track of explaining howe we were there,everyone was so nice, and we went to the wake, had no idea quite how to get there, but this one couple said follow us, and we sat with them.

DD gone to school today dressed as Hannah montana, get a letter on Monday saying its world book day on Thurs all children are to dress up...... she didn't want to go as a witch (got new witches outfit argos sale reduced to £2.50 instead of £10 - come in useful), as was a witch last yr, so she choose her own outfit, but made sure she could find the brightest pair of socks!!

Touch wood the weeks gone ok, bar a sore throat and croaky voice, think it was from Tues it was just a bitter wind.

Off to do some more studyng now, delights of fitness on thebody - the next section is exercise and how what to do, theres about 10 different movements all broke dowm and ur suppose to try them and time yourself and your heart rate, ...... that be a very quick chapter!! xx

mum2one

Hit another mini taget the next £100 (ok only just), another 2 small payments gone out so all helps.

Should get £10 off dad, bless him, I had some on his visa card, cheaper apr than mine, so I pay him monthly, he just gives me the statement and I sort out from there, and we a bit each.... and found a payment we has made back in June 2010, had only been credited in Jan 2011, ..... fair enough they have adjusted the interest and given him £10 back, but thats not the point, he didn't want to do anything about it as the money had got there, till I poinyed out that he had 2 over limit payments june, july last yr, keep a record, and then change of tune!! (typical man), so after all the security he passes the phone to me, the card company has admitted its an error on there part, but first tried to blame him for not checking (do agree with), then they said he must of put a wrong digit on the paperwork, - NO - he's the old fashioned tyoe who uses the slip that comes with the statement, or if its phone banking (no he won't use) so then they had to admit it was there error, as a goodwill gesture (love that description), there credit back the 2 sets of charges and after a gentle persuasion agreed to put £20 off the account (again good will gesture). So he said he'd give me a tenner for sorting it out. What makes me laugh with dad he goes through his bank statement with a fine toothcomb, ditto with hos cheque book every stib is correctly filled in yet he trusts the card company.
But a positive resulkt, so can't complain xx

The_Dragon

:mad::mad::mad::mad::mad: to the CC company but :beer::beer::beer::beer: to you sorting it and getting some money out of the money grabbing brutes!

taxi73

What Dragon says...well done

mum2one

Thank you both, just had the fire on all cylinders moment, the only trouble is it doesn't contine throu to the studies...

The banking id they have done it to one person, how many others have they done it to, and the;'ve not realised, no wonder they get big fat bonuses! x

BEAT_THE_DEBT

well done you.xxx

mum2one

Spent 7 hrs yesterday sorting out everything ready for the party, done party bags, but have been ordering freebies from VistaPrint and just paying postage, - so there all sorted and wrapped up.

Feeling very pro-active, that or a mood not quite sure, DD's other grandparents - right saga, - never met them, my darling ex had lied through his teeth even saying dd wasn't his!!, they got in touch 3 yrs ago through my solicitor so gave them the benefit of the doubt, as it seemed they were deliberately kept out the equation, unfortunately every agreement we'd come to, they would say yes, and then do completely the oppasiate, DD hasn't seen her dad and she knew nothing, I met up with them, the mum was great the dad was bit quiet, its all new and their other son and gf, despite me saying this can't get to him.... what happens...... everything that I had told them in the conversation re where dd went and what we did, my ex started turning up at these places, despite police involvement it wasn't stalking it was mere coninsidence - so was solictiors letter to go away and come back when she's 18.

Fast forward to last yr, my ex, court case etc etc, they then got in touch via facebook, they'd took a chance that it was me as i use DD's picture, got locked profile.

Nov - contacted them incase the ex had hijacked their faceboook account, - no it was them they were really sorry for the past etc, and wanted to make a fresh start. So we said ok, but its got to be x,y,z,etc and they were supportive over the court case, as they rang me on the morning (missed the call), my ex had texted them to say he was going to court just to wind me up he doesn't really want dd. How true that is I don't know.
They said that they and the other son had fallen out with "him", and the only contact "he" has with them is via facebook, and they've only had 3 lots of contact in 2 yrs, and the brother doesn't speak to him since he never went to his wedding last year. Be honest was relieved.

So from Nov to Feb - they kept there part of the bargain, we built it up to fortnightly phone call, I'd do one they'd the other, dd just hello, more fill the gaps, they asked for photos, sent, - then last week they drop the bombshell that their other son has been in contact and they sent him some photos of dd to bring him upto date.
One of the pointers - was the other son does not get involved -

It was my turn to ring next, it was the furneral, mum and her fall, and everything knew say something shouldn't, so emailed and explained difficult time, that I wouldn't ring as what was going on here. I had a gut feeling that something wasn't right, but couldn't pin point it.

Get an email back, no probs, thought ok, one hitch with the photos (ex now lives 60miles away, new relationship and just had new baby), then by the way were coming over to England (they live in Ireland), in March, the son picking them up, (fair enough), there going to see their other grandchild, ok they apparently don't know where he lives???? but there make sure that the brother doesn't tell them that we're back in contact - so that means that the brother and "him" are in contact. They wanted to meet DD, despite me saying shes not ready, shes only just got use to the idea of another set grandparents, she's 8, never met them, and shes said she doesn't want, and obviously making things worst we're waiting for the cafcass officer to speak to her about her dad,she's taken it badly, doesn't want to go school, being clingy, scared that shes going to be forced to meet him when to her he's nobody.

They asked if they could meet with just me when they come over as they've got to come through my home town, down to where the other son lives. I said let me know the dates as I've got tutorial, and my bday party, then dd and me are away to Dom Rep, so it would be unlikely that I would get to meet them this time over.


So I sent them an email, saying that everything we agreed to in the first place has gone out of the window, things aren't adding up, in the fact that their son and "him" - there in contact when they said he wasn't that sending photos to him, my concern is there going straight to him and he'll use them in the court case against me.
That I said DD wasn't ready to meet them, that the original plan was we'd build a base relationship then after the court case in May, DD would then speak to them on the phone, I didn't want her getting too involved and if it went rear up, she wouldn't get hurt, yet DD came up while I was on the phone so she said hello and that was it, DD in it now. I explained that the court case upset DD, and what were going throu, esp with the school, coz the ex was violent and abusive to me, he'd threatened to abduct DD - so from day 1, we've had solicitors, police, the school all involved, its not fair to the school, we've had to passwords up when we phone, she can't be photograped at school coz of the unifrom, and all that goes with it.
I know there the grandparents, and I feel sorry in my heart for them that they have never met their grandchild, but that was due to their son's behaviour and his lies, and when they could have built a relationship, their other son spolit it.

So they've got a 2nd chance, it seemed to be ok, till the other son has got involved, theres part of me thats whats to say thank you for being honest, you could have hidden the fact, yet the other part of me wants to scream why the heck after last time.

The trouble is they hold all the aces, as they have photos,contact with both sons, and could tell him anything, I have been on guard with what I've said, not gave locations etc, or the photos in school uniform, thou they asked could they have a school uniform.

I just wanted to ignore the facebook message, but mum was worried that their account had been hacked, and with her losing her brother earlier in the year, she said that if she had a grandchild she had never seen break her heart, where as dad was don't trust them, but I took that as part excuse yes because of last time, and the fact that DD is more like a daughter to him than a grandaughter, he idioles her, and vice versa, so eventually we said we'd give it a go, and now just feel like its going to blow up in my face.

I did get a text saying they had got the email, and would reply at the weekend, but no news yet.

I don't know whether its stress or dinner, buts its triggered an IBS attack, top that my knee gave way again, 2nd time this week, same position in the bathroom, this time I managed to smash a tooth on the radiator, theres a chunk already come out, another big crack in it, can feel it moving,but its not cracked through enough to fall out, so got to ring the dentist 2mor. At this rate sure my dentist has me down as a stalker!!

Got physio as well this week, see what else she can do about my knee, then govenerors meeting at school, thou the highlight of week my friends taking me to the theatre, we off to see The Naked Truth, a play based on bored housewifes who take up pole dancing, theres good names there should be a gd ngt, as free as paying. Got the doctors the week after, he so popular you have to book about a week in adva nce, then after booked in the appointment, the lady on reception said I was meant to ring you, do you realise you forgot to make an appointment in December for diabeitics blood test........ oops........ I did try I'd do it again, NO... she said I'm already on the screen so I'd do it while I've got you. Luckly its not a fasting blood test....... what a fun month March is, just hope the saying life begins at 40 so can get all the stresses done before hand.

So sorry to babble on, just it seems like everything has just come at once x

Had my DLA forms, took one look at that and stuck them back in the envelope, not very pro-active, but another thing just couldn't take on board, - but on the plus side I rang a lady from the council who did my mums forms for her, so shes coming out end of the month to do them, one less thing to worry about.

mum2one

Feel bit better today, - really think the email did the trick, got a text from them, apologising for not getting back to me, but they've got the builders in, there email in the week, as theres a few things they want to run by me.

Whether the builders is an excuse to but time, I don't really know, but just feel so better for getting it out of my system.

Survived the dentist - my knee gave way at the weekend while I was getting out of the shower, trying to stop myself hitting my eye on the radiatior, I ended up bashing my mouth.

Good news - the tooth on my left side, just chipped a corner off, a simple 20 second fix.

Bad News - the tooth on the left, gone in 1/3rd, lost the first 1/3rd the next 3rd had a massive crack, but it wasn't an all round crack, so wobbling, - he took that out, and an old filling, so for now he's patched up the tooth, as I've got an infection in my gum, and the 1/3rd that is left were not sure whether the nerve has died, got to wait and see.
I am just so glad that I'm a NHS patient.

Got to say had a lazy day, been up half ngt with tooth, so did some 40 winks catch up today.

Phyiso tomorrow, then come home and pay some bils, (booh!!), but all help me achieve my goal, and then Wed should be able to get Pargue paid for.

xx