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  • beanielou
    beanielou Posts: 95,555 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    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 car
  • beanielou
    beanielou Posts: 95,555 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • themadvix
    themadvix Posts: 8,748 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    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 Hemingway


  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    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 car
  • Suffolk_lass
    Suffolk_lass Posts: 10,289 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    These are good, I have been looking for myself and from RHS
    Save £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 here
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