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
-
First up - apologies for absence, feels like I've missed a LOT since I was last here!
Tentative good news on the build? Hopefully?
On the Octopus thing - don't engage with the DCA beyond telling them that there is no debt. Absolutely don't volunteer any more information to them that they don't already have either as they will use that against you! Inform Octopus that they should recall the debt from the DCA immediately as it is disputed on the basis it doesn't exist. Also I assume this is already raised as a formal complaint? If so it might be worth pointing out to them that the clock is ticking on the 8 weeks after which you can escalate to the Ombudsman...🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
🍻 @foxgloves. Proud of myself for doing my tiny bit of occasional minimum wage work, pathetic as that may be, but also cream crackered!
Ha I know what you mean @Sallyforth, I didn't expect one of the most challenging bits of the job to be not saying 'do you want help' and 'please use your time that's available to you'. But I'm there to see a fair exam and project a supportive vibe and otherwise keep shtum.
Thanks for the input @EssexHebridean, there has been further DCA and Octopus activity...2 -
Popped over to mums with bits, got given some food
Free perfume sample in the post
Usuals
Stain treatments and laundry
Small bit of spec work
Entered some competitions, today I'm mostly looking forward to winning money thanking you kindly
Listed an item for sale
Debt recovery agency emailed saying they're no longer working on behalf of Octopus and it has nothing to do with them.
Replied along the lines of 'you don't wriggle out of doing zero due diligence and harassing people with no evidence that easily pal'
Octopus emailed saying they have no record of being told to close the account so I told them they could add that to my complaint as I have the entire written exchange to hand.
They offered to generously resolve the situation by writing off the outstanding bills.
Replied along the lines of 'they ain't my outstanding bills so you can stick it up your a*se mate'
Off out shortly to buy family friend some beers to thank her for giving us the coins I sold. She wants me to be co-executor of her will (hopefully not for a long time) so we'll also be discussing that. So much adulting going on, I don't like it 😁2 -
Got back in to a very aggressive email from Octopus saying how they were doing me a huge favour offering to write off not-my-debt and that everything is my fault. They keep mentioning that they have no record of being told to close the account, like that somehow makes them look better not worse, when I have the whole official exchange from the time and have repeatedly reminded them of this. Absolutely dreadful company, they will never be getting mine or my family's business in future1
-
And now got a message saying my vinted sale is suspended as the zip is broken. She has posted pics of the top of the zip not present. I know full well the zip was intact and working. She has broken her own zip in the hope of a vinted freebie 😭 I give up trying to better myself or fight against the powers that be. Absolutely pointless as apparently everyone is either a d*ckhead or deranged.2
-
Mouse in the kitchen! Mouse in the kitchen! Mouse in the kitchen! Agggghhhhhhh!1
-
Nooooooooo!! He's back?????
Debts 04/01/25 01/07/25
Tesco CC £6,509.97 £5,945.00
NatWest CC £7,612.74 £7,155.00
Lloyds CC £6,112.60 £5,215.00
1st Direct CC £176.03 £4.50
CC total £20,411.34 £18,319.50TSB OD £500 £0
1st Direct OD £600 £250 (0%)
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £9,451.62
Total £36,195.78 £32,021.12
EF £300.000 -
PennysIntoPounds said:And now got a message saying my vinted sale is suspended as the zip is broken. She has posted pics of the top of the zip not present. I know full well the zip was intact and working. She has broken her own zip in the hope of a vinted freebie 😭 I give up trying to better myself or fight against the powers that be. Absolutely pointless as apparently everyone is either a d*ckhead or deranged.PennysIntoPounds said:Mouse in the kitchen! Mouse in the kitchen! Mouse in the kitchen! Agggghhhhhhh!No!!!!!!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.0 -
Oh poop! Literally!! 😢😡
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 36 books of target 52 in 2025, as @ 19th 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 -
Some people are just awful. They want something for nothing.Oh no to the return of the Mouse.0
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.9K Work, Benefits & Business
- 598.7K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards