It's STILL tough and not getting better - so how are we coping?

hellsbells45

:j:jGood news, Vet just rang, kittie responded well to treatment, he's been xrayed, just fractured jaw, now repaired and I can pick him up after 5.30:j:j:j (just the vet bill next:eek:)

RE. Friend - Friend's husband would willingly go and have the snip, but they won't do it because he's to young (she's 8 yrs older than him)

sammy_kaye18

hellsbells45 wrote: »

RE. Friend - Friend's husband would willingly go and have the snip, but they won't do it because he's to young (she's 8 yrs older than him)

If you don't mind me asking how old is he??? because partner is 31 and we have discussed him having the snip. x

EDIT --- glad kittie is ok. plenty of cuddles for him then too

Nargleblast

Re lists...my whole life seems to be a round of lists. Oh sometimes takes the p.... because of my listmaking habit, but because of it our household is sorted and organised, and we have a decent standard of living! I just tell him that when, like me, you have a brain the size of a planet, with a lot going on inside it, it helps to put the small stuff on a list so that you can focus on the big stuff.

Annie56 - well done on getting shot of a useless bank. One of the first rules of business is to keep good communication going with your customers, as poor comunication is the top cause of customer complaints. If they spotted your change in circumstances they should have given you a friendly call and offered an interview to discuss your financial situation and see what they could offer to help keep things under control. That way, they would still have had your custom. Of course, if you read between the lines, the word has probably gone out from the top brass that any unproductive accounts should be got rid of. After all, everyone has to make savings nowadays, and someone has to foot the bill for all the directors' bonuses......anyway, it's their loss, the Co-op's gain, because when you get on your feet and start making money they will benefit.

hellsbells45

sammy_kaye18 wrote: »

If you don't mind me asking how old is he??? because partner is 31 and we have discussed him having the snip. x

EDIT --- glad kittie is ok. plenty of cuddles for him then too

Think he's 29, they seem to have a starting age of 30 here, don't no if its the same everywhere

RE A&L - If they do this they make loads of money from your account through fees (as I said before £25 'review' fee which is taken there and then) Maybe I really should deprieve them of my overdraft!!!

Nargleblast

Re banks....it always amazes me that they will return a cheque or direct debit unpaid because to pay it would make you overdrawn, and yet they can justify charging you a fee for returning the item which is sometimes more than the actual returned item? Consequently you end up overdrawn anyway because of bank charges!

When I swapped banks I stipulated I did not want an overdraft facility. I managed to get a debit card, which is almost a necessity nowadays (life is quite difficult at times without one, as my OH found) through good timing on my part - I changed banks just before any defaults registered on my credit record So now I have a bank account that is easy to manage, with all the facilities I want, and it is not possible for me to go overdrawn. I also have savings accounts for different things (usually with around a hundred quid in on average) and I can swap bits backwards and forwards on the internet to cover expenditure not in my main budget. I have just recently discovered that the post office in my village will allow me to pay in and draw cash from my bank account (they have some arrangement with my bank) at no charge, so no having to trawl into town to visit the bank if I don't want to.

ceridwen

pink_numbers wrote: »

I'm very sorry to hear that santandar is mucking you about Annie56 (although it doesn't surprise me)

I'd love to be the fly on the wall in that meeting with the bank manager

It's strange because I couldn't get an account with co-op for love nor money, but I'm glad they are treating you well. Hope you get on with them better than santandar (that's not that difficult tho!)

Hope things work out okay Annie56 re the bank.

I used to be with the Co-Op Bank for many years and never had a moments trouble with them ( and I AM a very fussy customer - I know exactly how the job could be done properly and complain if it isnt). I just swopped, as I recall, because they werent open at times that suited me.

I know that many banks are iffy if someone has less than £1,000 a month being credited in to their account regularly and they like to cherrypick the customers they have.

Anyways - you go gal...:D Power to your elbow.

Nargleblast

It seems Mervyn King admitted in front of an audience of thousands at the TUC conference that the banks cocked up bigtime. Surprising he left the room with all his bits and pieces intact!

ceridwen

RAS wrote: »

Hi

You need a new basic bank account that costs nothing and will sort your direct debits.

For the sake of arguement, pick on that is not related to any one to whom you owe money, with whom you have a credit card.

Will find the list and post later.

That sounds like a good idea RAS - the thought crossed my mind re basic bank accounts - so if you do have a list to give us all then it would be useful:D

It really ISNT on for the banks to "judge us" by the amount we (dont!) have - it may well be nothing to do with US - just summat thats happened because we've lost a job or something - but we're still the same people and still expect the same service. Gawd knows the banks have had enough - and to spare!:mad: - of help from the Great British Taxpayer recently as we all know - so a little bit of leeway back again if we end up for a while in some sorta financial trouble thats none of our doing is the least we can expect back for that...

mardatha

The way to deal with the banks is vote with your feet. If they mess you about then leave. But if you have overdrafts and stuff I suppose its harder.

ceridwen

hellsbells45 wrote: »

Don't want to worry you more but my friend got pregnant on the injection, then the pill. Later had twins, went to full term (she was absolutely enormous) this totally messed her body up, so thought she would be steralised (can't get safer than that eh) 4yrs later, one of the clips came undone - yep you've guessed it. Talk about not lying in the wet patch, I wouldn't even let the !!!!!! breath near me. (Sadly she lost the baby due to all the problems the twins left). But also a very close call.

My gawd - she WAS on the minimum chance there wasnt she? Poor woman.

Well - my "clips" did me for 25 years and never a moments "suspicion" they hadnt worked. I think the risk level is summat like 0.05% of a traitorous body in those circumstances. Personally - I suspect my body was "cowering in fear" of even trying to go for that tiny tiny little chance - as it would very soon have "felt my wrath" (as in feeling a little "delicate" from the abortion I would have promptly had...). It is THE most failsafe thing we have available currently - and was absolutely fine for me personally. The combined Pill for years - followed by the "clips" has meant I've never even had a moments worry over the years - despite the fact that they dont come much more "fertile" than I suspect I was. I came from two VERY fertile families (both parents were born into LARGE families!) and I've got that "fertile" bodyshape. I was VERY well aware that I had to "stay on top of things" - or there would have been a baby on the year every year as regular as clockwork. As it was - no problem/no worry AT ALL:D...and one of the blessings of menopause was the knowledge I no longer had to have any savings "just in case" that tiny chance came up and I needed an operation promptly...