+++ Whoops! Here comes the cheese! +++

EssexHebridean

Exactly what RT said about chocolate covered pistachios - that might point me to the fact that I should shop at Lils this week then...! 

Also echoing the well done to your perseverance on all things financial. It's frustrating that the ISA money isn't earning interest but that is going to be in someone elses hands to sort out, isn't it, so nothing you can do to change it. (but still frustrating!) 

redofromstart

there has been some really interesting and thought provoking discussion over on the diary of @Watty1 around meaningful spending.  Particularly liked a comment from @WelshmansDaughter: 'I think it had always been something I have been trying to get at, the idea of meaningful money. Where it supports you to have the life you want and is a part of the fabric of your life rather than the entirety of it.'

This has really resonated with me, particularly in the context of everything that has happened in the last few years. I think I need to learn to not feel guilty about spending money on non essential things. 

PennysIntoPounds

You are making fantastic progress, and there are always going to be bits of bureaucracy that stubbornly drag. If you have energy once that pension provider gets its act together, maybe a wee complaint would get you a few quid to make up for the lack of ISA interest. And if not, the important thing is that it got sorted eventually, which it will. 

rtandon27

EssexHebridean said:

Exactly what RT said about chocolate covered pistachios - that might point me to the fact that I should shop at Lils this week then...! 

...and I can agree that they are soooo good!

...not to mention the free pastry.

Having a Lils within walking distance with all those festive treats is going to be a temptation over the next 6 weeks!

redofromstart

@Cherryfudge normally you can pay the cheques in elsewhere, but as far as I can see the non branch methods require you to use card and PIN.  I can't legally use his card and PIN so as I understand it I have to go to a branch to pay them in.  If I post them I will have no idea if they have arrived as I can't log on to check.

(ETA, have looked elsewhere which suggests you can drop them off at the post office IF you have a pre-printed slip.  Do they still do those even?  I know he hadn't had a cheque book for years!)

badmemory

That should work as long as the slip doesn't need signing.  As for paying it in at the PO card & pin, would they even know.  If you have a friendly PO like mine is I would just pop in there and ask.  Are you sure there isn't an old cheque book lurking somewhere.  I know I have one somewhere which I use to write about one cheque every 2 years.

redofromstart

Thanks @badmemory, I thought after I had posted that I had seen his empty cheque book somewhere and although there are no cheques left, there are two precious paying in slips at the back.  Can be used by someone other than the account holder, no need for a signature.  They cancelled his bank card I think.   I will try the post office tomorrow as it saves me a trip into the city. 

Glad you like them @rtandon27.  I would really struggle with that within walking distance, the co-op is bad enough but the price of everything there is a good deterrent.  

The co-op has been mentioned before - apps and vouchers etc, but ours is central co-op.  We still get a dividend (next month I think) and 'member prices'.  Randomly today they emailed me a £2 off a £2 spend as well.  

Chased pension 4 again, by email this time.  Not ringing twice in two days. 
Chased bike insurance by email to see if they have sent the cheque even.
Have had an update from business bank about the next stage.

beanielou

Good news on being able to pay in using the slip. 

Poor service from pension 4. 

WelshmansDaughter

❤️

A lesson life teaches you the hard way. 

Cherryfudge

I hope you can get the cheques paid in without more ado. Meanwhile buy shares in L1dl while the choccy pistachios are on the shelves: I think you've created demand.