Sunnydays tiny steps

pammyj74

If it was me I would want to know and would be ringing them up!

I can imagine how excited I will be when I get close to the last few hurdles!

Sunnyday

pammyj74 wrote: »

If it was me I would want to know and would be ringing them up!

I can imagine how excited I will be when I get close to the last few hurdles!

I know, we thought about ringing up and going through the "push 1 for this, push 2 for that " palarver and getting to speak to someone who can`t give us an answer or calling in the branch and still getting nowhere.

The deciding factor was really that the interest rate that we are paying is fixed at 4.99% so must have been on the original paperwork and if the other set had been processed then we would have been paying 4.84%, on the other hand the KFI does state the number of payments to be made at the fixed rate which we won`t have met but it also says "assuming the start date is****"

AAARRRGGHHHH!!!!!!

SD

Sunnyday

Think i`d better ring them, i`ve just found another KFI :rotfl:

This one states that the assumption is that the mortgage starts on 9th June 2005 with 62 payments at 4.84% and the fix ends August 2010, which is what i`d have expected but the interest rate is wrong.

Bloomin èck i can see how its got in a mess, its got the new amount borrowed on it as well as the second house cost more than the one that we pulled out of.

I`d completely forgotten about that as well, i know that my memory is bad but this is ridiculous. Hope they`re open tomorrow

I really can`t see that its going to be easy to sort out, BUT i may just ask if they will send me in writing the details that they are working to, may be easier than explaining that little lot over the phone

SD

pammyj74

is there no reference numbers on them? if you ring and just ask which one is the one you are paying, surely they can tell you from that?

Sunnyday

Right i`ve finally spoke to someone, it was in the call centre and the girl did go away three times to speak to someone else as she couldn`t answer all my questions.

I`m none the wiser

Apparently they don`t have a reference number which will tell me which KFI is the one which relates to the mortgage, they don`t keep anything like that :eek:
I really didn`t expect that at all.

The only things she could tell me is what i already know and the system says that the end of my fix is 30th June 2010.

I THINK that i shall just wait and see what comes in the post - oh and i`ve overpaid by another £50

SD

pammyj74

So its not the one that ends in August then? (39 days in June this year ) I can't believe that they dont have references to things like that to keep track of things.

well done on the OP

Sunnyday

pammyj74 wrote: »

So its not the one that ends in August then? (39 days in June this year )

I`m good at things like that so you`ll have to keep an eye on me
i`ve edited it though

Well i now have the letter it states that my fix ends at the end of this month and then i shall pay the funds into the mortgage account and walk around like a cheshire cat grinning for a while, i`m also on track for another £50 overpayment this month - that is as long as i can keep DH out of the supermarket , if not he will be in my bad books.

I have the bank statements to balance over the next few days and as i`ve changed so much around lately i need to spend some time making sure that i`ve got the correct deductions for each month as they are all different. The new totals for the DD`s etc will be fixed for a while now as i`ve sorted everything out and been into the branch to review everything so thats one job sorted out.

I haven`t decided which date to do the overpayment yet but i think that i may just wait until the first payment has gone out at the new interest rate so that i can check that everything is ok, this means that i should be overpaying the lump around the 14th of July :j
I can hardly wait

SD

sweetserendipity

Tis looking good, Sunny :j

Wish I could find you a cheshire cat smilie

Sunnyday

:j:j:j:j:j:j:j:j:j:j

WOOHOO!!!!

Its gone
The payment i mean

I thought that it would go out of my account tomorrow but just checked and its gone today

I dashed home from work and called A&L and my mortgage account balance is now ........................ wait for it........... £20,074.00p :j

I really can`t believe that

When i look back at all the set backs that we have had since taking on this mortgage and the loss of DH`s job at one stage i`m staggered that we`ve done so well.

I`m grinning like a big cheshire cat now and can`t see myself having my usual nap after an early shift.

The actual mortgage payment comes out tomorrow so that will bring it down even more too

I was so excited on the phone that i forgot to ask how much my new minimum payment will be but i shall leave that for another day.

Will be a nice surprise i think - although i`ve no intention of making a min payment, all i want to do is overpay and get rid of it :D

Hope that everyone has good news in their day today.

One very happy
SD

[Deleted User]

sunnyday
thats great news!!! :T have just read through your diary- gosh I cant wait till my balance is that low you must be so pleased!
just the final hurdles now...