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Cheery's path to fulfilment - finishing the DIY, looking after myself, appreciating the garden 🌻
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Cheery - if it's a Direct Debit, are you not able to cancel it yourself in your account? - i discovered a tab in my account a while back where I can do just this!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!4
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And isn't there a DD guarantee clause or some such you could invoke?rtandon27 said:Cheery - if it's a Direct Debit, are you not able to cancel it yourself in your account? - i discovered a tab in my account a while back where I can do just this!
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 = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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.4 -
Once you get the refund I would cancel the DD.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.3 -
rtandon27 said:Cheery - if it's a Direct Debit, are you not able to cancel it yourself in your account? - i discovered a tab in my account a while back where I can do just this!
Both of these lovely people all on the ball.KajiKita said:
And isn't there a DD guarantee clause or some such you could invoke?rtandon27 said:Cheery - if it's a Direct Debit, are you not able to cancel it yourself in your account? - i discovered a tab in my account a while back where I can do just this!
KKI 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.4 -
I am pretty good on accts /filing tax both SE and company so feel free to ask me any particular questions themadvix .themadvix said:Webinar was a complete waste of time - they could have distilled it into 15 mins instead of an hour. Although judging by the endless repeated questions in the comments box, apparently others need it spelled out multiple times!Bus journey sounds fun - you do see more from up in a bus!
I love the crochet on the bus goals.Hoping Mr CD Snr is improving
your LPG saga sounds stressful / I helped a friend with an EE saga yesterday (no service for 3 weeks on a business line and it’s the main nursery school line )
I dragged her to an EE shop where the manager was v rude .. and useless …I will never use EE ever and their ‘we are trying to fix it ‘ for 3 weeks …DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest3 -
I did consider invoking the DD guarantee but there were a number of hoops to jump through (including unresolved complaints to the provider, I think). Couldnt see an option in the online bank - but maybe on the laptop rather than the phone app? Will investigate.5
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...the tab was well hidden! - I only bank on the laptop!
...had to dig into manage d/d & standing order tab and then dig again into the list and then there it was hidden with the list of current d/d another button that said manage your d/d...
You don't think they make it easy for you to take charge of your own money now do you Cheery?????4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!2 -
If it’s the same ethical bank as me go into pay and transfer at the bottom of the app click into your account and you can see an option view scheduled payments and you can cancel in there I believeCheery_Daff said:I did consider invoking the DD guarantee but there were a number of hoops to jump through (including unresolved complaints to the provider, I think). Couldnt see an option in the online bank - but maybe on the laptop rather than the phone app? Will investigate.
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Just keep an eye open that they don't reinstate the DD. I had that happen a few years ago.2
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Wow - are they allowed to do that without your permission? - I'd be livid if that happened!badmemory said:Just keep an eye open that they don't reinstate the DD. I had that happen a few years ago.4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!2
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