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  • apple_muncher
    apple_muncher Posts: 15,238 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Peanut butter + a spoon = the perfect companions for doing what you did. Well done you!
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • themadvix
    themadvix Posts: 8,748 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Mmm just off to find the peanut butter and a spoon!

     Sorry to hear about your trials with three, but it doesn’t surprise me, as you may have gathered. At least online chat is a less stressful way of dealing with it.
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I loathe 3.
    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.
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Thank you for the support, lovely peeps.  I was shocked at how bad they were, I must say - and you're right, too, online chat is a lot less difficult than phoning them.  And I kept taking photos of the chat once I'd posted something  - I've been caught out that way before, any firm would send you a copy of the chat once it closed, and then they started charging £10 for that.  So now I keep my records.  I told them, too.  I'm going to stay with them, because the contract as-is is perfectly reasonable, I'm at my house so much mobile data isn't really important, I use my wifi, which is unlimited.  Because my contract's so tiny, they won't care what I think, of course, but I'll just write a little something, then draw a line underneath it.
    I've also just done another financial task, an easy one - submitted meter readings :) estimated had me £40 in credit, on the real figures I'm £23 in credit.  Bearing in mind how I'm washing and cleaning more, and hotter, thats a good sum - my direct debit, believe it or not, is only £45 a month.  And I'll keep it on that for nlow, look at it again in autumn (omigod, autumn).
    Update on the list shortly - I'm not doing too badly!
    2023: the year I get to buy a car
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