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Prosperous soul, mortgage neutrality & creativity Year 2

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Comments

  • A huge conservatory would be a dream for me. Hope you find something you like. 
    Mortgage start date Dec 2015 - $64,655.00
    Mortgage end date Dec 2045 - NOT!!!!
    Mortgage balance  - $4600.00
    Business Savings $43,310/100k
    Hope to be mortgage-free by end of 2023 
  • beanielou
    beanielou Posts: 95,685 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I loathe BG.
    So glad I moved tp Octopus.
    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.
  • KajiKita
    KajiKita Posts: 7,818 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Can I just say that BG's customer service or complete lack of it is horrific. I switched mid July my account is still not set up correctly and despite asking for a combined bill they persist in taking out separate payments - they've  increased both to the maximum amount that was supposed to be my dual payment and are completely ignoring all my messages to them. So frustrated.

    Wowsers ….
    I would seriously consider raising a formal complaint, to at least get you out of the onboarding loop and into the resolution team loop?

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • jwil
    jwil Posts: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry to hear about the problems with BG.  Hope it all gets sorted.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • Raising a formal complaint with BG now also gets the clock ticking on a timeframe for Ombudsman escalation if that becomes necessary - if things don't get resolves you may end up cursing having an 8 week wait from when you do raise a complaint otherwise - as it's unlikely that BG will give you a voluntary deadlock letter. 

    Another happy Octopus customer here too - definitely wouldn't hesitate to recommend them. 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • badmemory
    badmemory Posts: 9,713 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I will be switching from BG as soon as it becomes worthwhile.  I just worry about going out of the frying pan & into the fire.  At least now I can get bills every 3 months.  When they took over from Peoples Energy they were absolutely dire.  Then they changed their systems for some & they were even worse.  I've been with them off & on for over 40 years, they were bad then.
  • KajiKita
    KajiKita Posts: 7,818 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
     I finished earlier today but only because my brain and words had slowed to a crawl. Noticeably stressed to others today which is not ideal.”

    Be careful with yourself. Thinking of you and sending sustaining ~~~~~~~~~ over the airwaves 

    KK x
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
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