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Return to Solvency

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Comments

  • Colleague is a nasty moo to say the least! It's her who faces disciplinary for threatening you like that when you are covered by a sicknote! Wipe the floor with her!!

    Well done on the freebies!!
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    What a horrible colleague, really out of order. Please make sure you complain to HR. You have a sick note and cannot travel. Some people are quite unbelievable:mad:

    Pretty good freebies:T
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • satchmo1
    satchmo1 Posts: 3,230 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Definitely raise a complaint, and I'd also be inclined to stress how much the persons actions upset you in your vulnerable state.
    What would you get if all you got was what you were thankful for?
  • beanielou
    beanielou Posts: 95,655 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    How on earth can YOU be in trouble when you are signed of sick.
    Surely the person threatening you should be in serious trouble.
    That is dire & totally unacceptable.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • missrlr
    missrlr Posts: 2,192 Forumite
    WHAT,!!

    I cannot believe someone with even a tenth of a brain cell would threaten a colleague! Let alone one who is signed off poorly!

    Do complain In writing to HR and demand action is taken!
    Start info Dec11 :eek:
    H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
    Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
    B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
    2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Thanks all, the more I think about her attitude the more annoyed I am. Luckily she is not someone I work with, she actually works for another branch of the Civil service and the meeting is a legal one. However just the fact that she felt she could coerce me into attending despite the fact that I am unwell is just ludicrous and needs reporting. She was quite shocked when I refused to attend and I think she panicked which is why she said what she did. Despite this I am going to take it further as she was clearly out of her depth and shouldn't be in this position if she's unable to think outside of the box. My contact with her throughout has left a lot to be desired but until now I've let it go.

    Today got even worse when OH opened a letter from Mr T, crossing with my letter of yesterday. They are insisting on a formal SOA with evidence of household income, evidence of reason for being unable to afford payment, evidence of essential outgoings and finally evidence of other predators acceptance of reduced payment. Cheeky beggars, they are having none of it, I've sent an updated list of income, outgoings, creditors and offers of payment. That's good enough for everyone else so in my opinion should be good enough for them too. I could do without the stress though. Shouldn't imagine we'll get a reply before I go into hospital which is a bit annoying as I could do without worrying about that.

    OH is in a very bad mood tonight after working all day so I've left him to catch up with the sport he's missed today and gone to bed out of the way. Not sure what he's working tomorrow as he's just grunting so I'll find out when I wake up I suppose. He's afternoon's but may also be in tomorrow morning. Not sure which I prefer to be honest as could do with a chat but if he's going to be so uncommunicative he may as well go to work and leave me in peace.

    Night all

    Granny x

    D day -8
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • I agree with everyone else re: your colleague! It's not like you are skiving off with a cold !! I hope she's the one who faces disciplinary action not you! Twit!

    My dh is a foul mood this week too. He's also worked the weekend which I didn't mind as he was being so grumpy lol. Are you seeing the grandkids today? Hope you have a good day xxx
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • *Robin*
    *Robin* Posts: 3,364 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker Stoptober Survivor
    Wow what a horrible colleague you have, Granny! (Wonder whether she realises she's over-stepped the mark and is spending this weekend consumed with worry about being reported? ..It's not very nice, but kind of wish she is - might ram home the lesson when your complaint arrives! :o).

    Hope you're having a peaceful day today. :)
  • missrlr
    missrlr Posts: 2,192 Forumite
    Oh Granny how infuriating of Mr T. Such a nusciance if you did the rounding down only once and for so little they have triggered the whole process again!

    TBH I would have been tempted to say yes my circumstances have changed I am off poorly and get stuffed you are having £5! But that doesn't help the DFD .....

    Hope they accept it again. Please don't stress and if they try it on, stick them a copy of your doctors note!
    Start info Dec11 :eek:
    H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
    Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
    B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
    2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Thanks for the support all.

    Missrlr, I'll certainly try that route if my offer of continue with previous agreement doesn't work.

    After a weekend stressing over the meeting today it went off without a hitch, despite my absence. Colleague was able to use my research to provide some information that was needed and decision was made without my needing to be consulted. C0w colleague was spoken to about our conversation and reprimanded.

    Tomorrow, (or rather today) is pre assessment day, here's hoping chest has cleared sufficiently to allow us to proceed. I haven't seen my little people just in case as I seem to be a magnet for their bugs. Possibly down to the fact that we spend a lot of time hugging. Last antibiotic due in the morning so fingers crossed.

    DM sent me a lovely message tonight wishing me good luck, only thing is instead of saying good luck Granny it said happy birthday Granny - :rotfl: the sentiment was there

    OH has surprised me and taken the shift off work to come with me and has booked Monday and Tuesday off next week too.

    Granny x

    D day - 6
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
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