We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Travelling On
Options
Comments
-
Definitely threaten the Ombudsman and follow through if they don't get it sorted asap. They've been absolutely awful in their handling of this - it's an utter disgrace.
Weather is just lovely, isn't 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 Hemingway5 -
Thanks madvix - I've just opened up the Financial Ombudsman in another window, I'll have a read. Everything about this case seems so mad!
Weather is indeed gorgeous.2023: the year I get to buy a car5 -
Blimey. That is dire.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.4 -
Argh, KC, that is dire - I would hope that mention of the Ombudsman would have you put in touch with more senior staff with the authority for more direct action. I found years ago dealing with a telecoms company run with characteristic efficiency by Baroness Harding, that after hours of calls to a call centre repeating the same information time and again, one mention of Ofcom got me transferred to 'the office of the directorate', who actionned everything I needed, authorised compo, and gave me a direct phone extension for incase it didn't happen, in under 10 minutes.Yesterday was a glorious day for a walk.2014 starting mortgage £165,0002015 second charge £20,000 - Jan 2021 paid off in fullCurrent outstanding balance - £115,8565
-
Thanks both - I had to leave all the action points till today, it was more important to look after myself and not stress, so that I could get some proper sleep. Which I did.
So, I've logged on to my bank - the regular direct debit to Sainsbo was already cancelled, because of the phone call I made last month, hadn't realised they'd do more than just last month, so that's good.
Sainsbo are still listed as a payee, though its under the now-cancelled card that I was instructed to cut up, but still, better safe than sorry, I deleted them as a payee. Obviously, I couldn't even pay them on that link, because its the cancelled card, and I wouldn't use them again for anything anyway. (I have an Asda order booked for 20th December, and I'm using my debit card, because my *Visa* card has a normal expiry this month
I did notice on my bank account there's a single penny going out to Asda soon, and part of me is wondering if that's a fraudster trying it on, but another part of me is thinking, I get a lot of refunds from Asda for absent or broken deliveries, that's probably an adjustment of one of them. I *will* follow it up (with Asda, as the bank recommends), just not right now.
I have the Ombudsman details, and a lot of the introductory stuff is about detailing events, so I think the best thing I can do now is copy and paste the messages that currently exist on the page I have access to, and use that to write my messages offline, then wait a bit for editing and go back online to post them. That will make the sequence of events even more clear in my mind and help the reporting to the Ombudsman.2023: the year I get to buy a car4 -
Update.
1. Copy and paste of existing messages done, that was easy.
2. I wrote out everything I wanted to say on an Open Office document, before lunch, re-read it after lunch, a few edits. I'll read it again, then send it first thing tomorrow.
3. Went out to the garden, whoop whoop, and did 20 minutes cutting back raspberry canes and started on the overgrown box hedge from next door - its six feet onto my property, I'm not being pernickety, honest
4. Best thing - neighbour's cat turned up and tried to pounce on my loppers, frightened itself away, but I chatted softly enough that it came back. It ended up getting to the top of the hedge and watching me - no loppers were used, I was too concerned about it's safety. It's adorable
5. In the background, as an antidote to insanity, I've been organising genealogical documents so I can more easily write the book on the chosen ancestors. I've done 10 sets, only 4 more to do, and they're not even the biggest ones, very happy about that.
6. I may have some rabbit-sitting in Januaryniece's rabbit at my sister's house, while they go on a cruise, my niece is in dire need of a holiday. I'm in dire need of a rabbit to play with my slippers 🐰
5. Current account has got the Winter Fuel Payment credit in there, thats good.
6. While out in the garden, realised I had a place I could stash some leaves to turn into leaf mould - an old wooden shed, the roof fell in years ago, and when I was cutting down the laurel the first time, I put some medium sized trunks in there to rot down. A fox has nested thereI could absolutely chuck a *lot* of leaves there.
2023: the year I get to buy a car5 -
How lovely about the cat.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.4 -
All of that sounds pretty good! 😊 especially the cat and rabbit sitting!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 Hemingway4 -
Thanks madvix - it *is* good, isn't it
very happy with that lot. Two more good developments today: I managed to submit what I'd written to Sainsbury, through their bank messaging system, ahem, it took 4 messages. The Financial Ombudsman was mentioned a couple of times, and what I've submitted today to Sainsbury is the first draft of the submission to the Ombudsman.
Genealogical document sorting is done, some subfolders are a mess, but you can't have everything, it's good.
I'm having a bit of a stress reaction to sending off to Sainsbury, but I don't *think* I'm going to come down with a chronic fatigue relapse - there's a two day delay for me, so it would hit me today, if it was going to happen. I have to ring them tomorrow, so I'll still take care.
It's sunny here! DW is on, though I'll need to put it on again tonight it's been kind of abandoned, but I need to focus on the porch, because I have the Waitrose delivery arriving this afternoon (wine to be used as a present is the most important thing).2023: the year I get to buy a car4 -
These are good, I have been looking for myself and from RHSSave £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
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 here2
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.1K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599K Mortgages, Homes & Bills
- 177K Life & Family
- 257.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards