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  • teapot2
    teapot2 Posts: 3,550 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Sorry to hear about your SWidows issues INOD.  I listened to a radio programme about them a while back and there were numerous complaints about customer service and people not getting access to their money etc.  Sounds like they have really gone downhill.  Hope you are able to progress your complaint with them.
  • Cherryfudge
    Cherryfudge Posts: 13,364 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    That's dreadful service. I hope you get some satisfaction - and hopefully some compensation too.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • beanielou
    beanielou Posts: 95,755 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Poor play from Scottish widows.
    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.
  • beanielou
    beanielou Posts: 95,755 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I also agree that they have gone way down hill sadly.
    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.
  • Sun_Addict
    Sun_Addict Posts: 24,133 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I have a small SW pension pot from a previous employer and it’s lost money this year 🙁
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Floss
    Floss Posts: 9,041 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I have a small SW pension pot from a previous employer and it’s lost money this year 🙁
    That's due to the markets, not SW. My private pension has lost value over the last 12 months, partly due to the impact of the conflict in Ukraine.
    2021 Decluttering Awards: ⭐⭐🥇🥇🥇🥇🥇🥇 2022 Decluttering Awards: 🥇
    2023 Decluttering Awards: 🥇 🏅🏅🥇
    2024 Decluttering Awards: 🥇⭐
    2025 Decluttering Awards: ⭐⭐
  • Cherryfudge
    Cherryfudge Posts: 13,364 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    I was on the verge of opening a Terry’s chocolate orange when I found another.  I checked the dates and they are both 2024 so I put them away for stockings.
    That's what I call massive self control. :):smile:

    Well done on the sales too.


    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • jwil
    jwil Posts: 22,080 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good to hear that nightmare client is nearly gone!  Hope you can finally wave them off soon.

    Tea at the Savoy sounds lovely.

    Sorry about the pensions issues, I've heard poor things about SW as well.  I bookmarked a pension scheme that was recommended on the pensions board a couple of weeks ago as a good one - I haven't looked into it at all or opened one, so I don't really know anything about it, but if of interest it was this one: https://www.vanguardinvestor.co.uk/what-we-offer/personal-pension/personal-pension-account

    Glad the diabetes consult went well, hope the med side effects settle soon.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • milann
    milann Posts: 11,425 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Are the nasty meds giving good results ? 
    Rubbish service from the SW…..definitely not good at all 😡
    January spends - £587.58
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