I think i need a diary

NeverendingDMP

Well help to save rang me. I got all excited till they said money left there account so not there responsibility. I got cross again asked for exact time of transaction and reference numbers. Rang my bank who said help to save should be contacting them to chase the money. Yada yada yada. Heard it all before. One day the money may come back to me. F ombudsman is the only way forwards. Must draft the complaint up.


A couple of direct debits for dmp went out this morning so i owe less than yesterday which is always good news.

The littles are at relatives and holiday club today whilst i go to work. Suns out again which is nice. Not much planned for this week but need to consider a nsd or two i think.

beanielou

I cannot believe that you still dont have the money back :mad:

NeverendingDMP

I know. Im sure it would be fairly easy to trace or would have been nearer the time. I honestly think the problem is too many banks are involved. If i was the account holder for each account i would have just spoke to each and im sure it would be found. The help to save scheme for want of a better description is a holding agent of my money. Thats how it looks to me. They bank with barclays who have also told me what needs to be done but cant take instruction from me as im not the account holder.

Im confused and fed up so have sent a letter to financial ombudsman. Im not sure what to include or how to explain it best but Ive tried my best.
In other news 26 in direct debits has been paid to debts so i owe less today than i did yesterday. Thats it till next month unless i randomly do PAD in the one not in the DMP. Im undecided as its interest free and i should be saving instead.
We had to buy a new car battery yesterday so minies have gad a battering again but we are still in better shape than our high earning high debts/spending era.

NeverendingDMP

Completed my tax credit renewals form to. Rang up as i wanted advice with having 3 different jobs etc but it was all computerised and children kept saying hello to the computer voice. Was quite funny but did mean i hardly got past the first section as there hellos wasnt an answer the computer wanted. Gave up and did it online. Awaiting results to see how much i owe/whats changed. In theory it should be right as ive told them every time something changed but its so complicated you just never know.
Fingers crossed

jwil

That's awful about that money :mad:

NeverendingDMP

So my tax credits have been adjusted and im getting 780 extra in my next payment. Think i may need to ring them as i get 160 per 4 weeks at the moment. Who knows it may be correct but i cant say im not slightly freaked out that they think they owe me money. Eeek. If its right though i will hit my 100% challenge a lot sooner..... fingers and toes crossed eh

beanielou

Really really hoping that it is right

jwil

That would be a nice windfall :j

NeverendingDMP

Well i cant get through to tax credits so ive put some to savings and am using some to fund bed number one.
I may regret this later in the year if it turns out to be an error but who knows. Help to save money is still mia but its now in the hands of f ombudsman so i need to be patient.

Currently the debts are less than when i started, at a guess im at less than 28500 now. Wahoo. The hen night has been paid for and spending money set aside. Ive got enough money for the tv licence in sept. Ive got enough for one new bed and will have earned enough by mid of july for 2 more beds plus matresses.
I am hoping to continue to save so hopefully the tax credits money was actually real and no emergencies crop up.
Happy monday folks

NeverendingDMP

Well its raining and pouring but bed number one is ordered. Technically my extra wages to help cover this lands on friday but ordering today will get a delivery day that suits and ive enough in the bank to do it.
Ive updated my signature and decided not to include the missing money in my savings challenge till its refound.
Once my extra job wages are paid at the end of this week i will have earned over 1000 of my 2019 challenge as well. I think thats a wonderful milestone to pass. Im not keen on extra jobs but it has really helped and meant ive had the chance of a bank account that almost balances x