We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 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!
An in-between phase
Options
Comments
-
Well done for starting the complaints process with the trust. So wearing, but important.
I hope you have a quite but relaxing evening 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 35 books of target 52 in 2025, as @ 13th July
Produce tracker: £205 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.0 -
Thanks @KajiKita, I've actually asked them before and they just ignored me and were like 'we're resolving your issue!' and I'm thinking 'well you aren't but you don't not merit a complaint for eventually doing your job, it's not a favour, you literally can't even get your act together over your failures around someone's death'. I am so sick of everyone's sh*t
Anyhoo, hope you're having a nice holiday!1 -
Sorry it's been a rubbish day, PiP. Hope something at least, even a tiny thing, improves tomorrow. Goodbye ceremonies are always difficult & leave a lingering sadness. I think part of this is because the 'received wisdom' is that such ceremonies help with 'closure', but I must admit this isn't something I have really ever found. I appreciate the elements which celebrate the person's life, but find it also seems to underline the loss, as I inevitably think, "Yes & they should STILL be here doing all these things". Ah well, you will have happy memories of your good friend & they are precious.
F x2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (29/100)
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)1 -
Thank you very muchMy mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo2 -
I don't know if the planning aid for london people could maybe help? Or point you to somebody who can?
Sorry it's a tough day. I'd send my McMo token if I could1 -
I am ok thanks. Just tired.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.1 -
I am fine thank you PiP. Like beanie tired withaching arms.It is always hard saying goodbye especially to those special people in our lives but they still live in your heart and memory.Well done on raising the complaint. It is so exhausting fighting officialdom.1
-
PennysIntoPounds said:Thanks @KajiKita, I've actually asked them before and they just ignored me and were like 'we're resolving your issue!' and I'm thinking 'well you aren't but you don't not merit a complaint for eventually doing your job, it's not a favour, you literally can't even get your act together over your failures around someone's death'. I am so sick of everyone's sh*t
Anyhoo, hope you're having a nice holiday!
We are getting LOTS of weather ….! But, we were expecting it, are prepared for it and are enjoying each other’s company 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 35 books of target 52 in 2025, as @ 13th July
Produce tracker: £205 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.1 -
Thanks all, I wasn't even at the cremation (family and an even older friend only) but was dreading the day and feeling sick all yesterday anyway. Just the celebration of life in a few weeks to get through now.
Woke knackered but determined to attempt a bit more of a positive attitude. Fancied eggs so got a 22 minute walk done straight away to buy some
Positive attitude wavered somewhat when I remembered that on top of hospital trust and council, I am also awaiting news of in which manner HMRC have managed to c*ck up my NI payments this time, but no point stressing about that until January as I have to wait a clearly perfectly reasonable 39 weeks from the last debacle to find out
Tidying
Admin
Comping
There were a huge amount of ladybirds outside the window which is a bit odd but I'm choosing to see as a good sign. I don't know what of, I'm just trying to be positive 😂
Spec work
Receipt survey
Entered some competitions. I'm almost definitely winning a million dollars
20 minute carpet walk
Survey
Mum came round for a glass of wine so that was very nice indeed
Dinner is random fridge and freezer bits
3 -
HMRC the new swear word. I did self assessment for years with no problem & then they invented simple assessment. Believe me the word simple here is NOT the correct one. Not all their fault always as the DWP routinely tell them the wrong state pension figure. So far mine has not arrived for 23-24 when it normally arrives in July. So getting worried that it has got lost in the post & forseeing fines/penalties in my future I rang the simple assessment line. It seems my account has nothing showing at all for 23-24. No state pension, no private pension and no taxable interest. So no tax due. Believe that you will believe anything. Seemingly there is nothing I can do.0
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.8K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.8K Work, Benefits & Business
- 598.7K Mortgages, Homes & Bills
- 176.8K Life & Family
- 257.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards