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Travelling On

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  • beanielou
    beanielou Posts: 96,587 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    beanielou said:
    It was my first year at College - I applied last minute when I was made redundant - post clearing I just rang and asked, went in, demonstrated my sporting prowess (🧑‍🎓🏃‍♀️💃🥾) across a number of activities and they said yes (the most hilarious was doing a handstand, which I had never done - ever - in front of a GB gymnastics coach - I digress) - applied for my grant and then my bed broke so I went into Nit-Wits and explained and they advanced an overdraft.

    Bought the bed, three weeks later went in to get cash and was asked to go in to an interview room where they locked me in and called for the manager who threatened to call the police. Fortunately I was able to describe the member of staff who had advanced the OD and they had the good grace to confirm and admit they had omitted to record it properly (but they had got their notes) - so they let me go.

    A friend reported it to the local paper and the next thing was my Mum telling me about a student locked in a bank interview room and do be careful dear...
    Blimey norah!!
    It was 1982 so I have (now finally) let it go (more of a dining out story now - if I ever get to dine out) but I'll take @shangaijimmy's advice on whether this makes them a zombie company for me. The bank account I opened with TSB in the nearest town will have to move as the monthly payment stops next month and then the branch is closing this June. I've just read that HSBC are closing the branch where DS lives in June too so we should both consider where a physical branch is. There is a Nit Wits branch on an industrial estate less than 10 miles away
    2 years ago we had 4 banks where I live & come March there will be none.
    So I wont have a physical branch near me at all.
    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
    So there's quite a key thing happening  :D it does feel good to have sorted it out - though there's half a dozen tiny little keys, only about a centimetre long, and one set only half that, I have no idea what they open.  I'll try my mother's jewellery box, which I have, other than that I really have no idea.  I'm just glad to have found the key to the new double glazing!

    Beanie - all 4 banks closing is horrendous!  I have no reason to go regularly, but when I need it, I actually do need it.  Troubling.
    2023: the year I get to buy a car
  • Suffolk_lass
    Suffolk_lass Posts: 10,450 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Karmacat said:
    So there's quite a key thing happening  :D it does feel good to have sorted it out - though there's half a dozen tiny little keys, only about a centimetre long, and one set only half that, I have no idea what they open.  I'll try my mother's jewellery box, which I have, other than that I really have no idea.  I'm just glad to have found the key to the new double glazing!

    Beanie - all 4 banks closing is horrendous!  I have no reason to go regularly, but when I need it, I actually do need it.  Troubling.
    Maybe they are for the little padlocks that used to come with travel bags. I always valued padlocks (maybe because I shared a room with my Sis as a child) and so, long after bags split, the padlock would reside with me. Sometimes I still find a padlock and think "where's the key?" and sometimes I find some keys and think "where's the padlock?" - sounds like the great philosopher (WTP) - "Sometimes I sit and think, and sometimes I just sit!"

    All the banks want you to take their mobile banking app but I don't want to. I have a perfectly good desktop and like doing my admin first thing in the morning, while my brain still works. Especially after that episode where I transferred my season ticket loan into someone else's account because our savings account had another sort code and I had never noticed. Scarred for life!
    Save £12k in 2025 #2 I am at £10,020.92 out of £6000 after September
    OS Grocery Challenge in 2025 I am at £2234.63/£3000 or 74.49% of my annual spend so far (not going to be much of a Christmas at this rate as no spare after 9 months!
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • themadvix
    themadvix Posts: 9,021 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    We had a key sort out the other day - is that the level of life admin we’re all getting around to now? - turned up a set of car keys that we can’t work out which car they are for, or if we even own it anymore.... suspicion is that they are for a wreck we purchased (and then got rid of) before we bought the house that was used to fix my Micra.
    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


  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I found a combination padlock :) I'm certainly going to keep them for now, because it's easy enough - the keys to the doors that have been changed, they're in the tray "to be recycled".  Just checked my household recycling, and there's no mention of them, grrr.  I'll have to find out: there's 10 or so, it's worth doing.  And I think it *is* the life admin we're reduced to, sadly :smiley: but it's good not to have this stuff around our homes - and if it results in more recycled metal, then that's a good thing!

    SL, I completely agree with you about the banking app, I won't get them either - my phone is an extremely portable object that I regularly take outside my house, and it's security is kind of simple, just a little PIN - I'd rather do it on my laptop, like you, with a page big enough for me to see the layout *around* what I'm typing in. 

    Sending things to the wrong people is my nightmare - though I always send a tiny amount first, and this "confirmation" thing they've introduced recently is helpful.  They couldn't confirm NS&I though - and NS&I tell you that they can't, which is really odd.  However, my first big payment of premium bonds has now reached the right space, so I'll set the next lot up for Monday.

    Very cold here, the rec ground still has frost, I'm not going to dig in the garden - green bin is due on Tuesday, though, so I'll try to find things I can cut back as part of the long term effort.
    2023: the year I get to buy a car
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Well, I pulled myself together!  
    1. transferred the next premium bond purchase, for Monday.
    2. precious little else until I went out to the garden - lots of scraps of ivy I could dispose of, and I actually dug up two dead bramble roots, killed off by the fence work, hurray.  But my soil!  My poor soil!  I've always said you could cut it with a knife and call it a brick, and it's now so compacted by the workmen walking all over it while fence-building, it's going to take a while.  I put two bucketsfuls of dead leaves and roots into the green bin, and did some soil aeration too, most of the side return border, and a bit in front of the kitchen window. 

    I'm going to use the vandalised tops of the gateposts from the front, to slide underneath the fence panels - that will stop soil accumulating near the panels themselves, and stop it drifting down the hill to next door's garden.  The posts are set in concrete, I'll put some of the slate chips around them.  After that comes the raised beds.
    2023: the year I get to buy a car
  • greent
    greent Posts: 10,833 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oooh - I didn't know you could get a deceased person's medical records..... there is one member of my family that I would rather like that info on... must go and have a see if I can find that form on the NHS site....
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
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