Hurrah, my MFW quest has started

misscousinitt

Great news on the bonus - laptop is well deserved.

MCI

lulabelle1

Wonderful news, congrats!! Enjoy the new laptop....

abouttimetoo

TallGirl wrote: »

Nice news about the bonus and pay rise well done I think you definitely deserved a new laptop. Shares are good too I only have one type left but I love looking at the share price.

Good luck with setting it up hope to goes smoothly.

misscousinitt wrote: »

Great news on the bonus - laptop is well deserved. MCI

lulabelle1 wrote: »

Wonderful news, congrats!! Enjoy the new laptop....

Hi TG, MCI and Lula, thanks for the kind wishes. This is my first post via new laptop :j It didn't take me 5 mins to set it all up, the shop did offer the service to do it for me for the princely sum of £32 :eek: no thank you!

Regards
ATT

abouttimetoo

Just updated my sig with my main March OP of £500 and no doubt will make a few smaller additional ones between now and next pay day. I've also sent £200 to the stooze CC so that now stands at a nice round £600 so all on track to be repaid by June

So I'm afraid I have HMRC woes again. I last posted about this Sept last year whereby they had incorrectly processed my P11D. I rang them straight away, got it corrected and the wrong tax code was never used and they said all would be well

A couple of days ago I received a new code and it said I owed nearly £2k so the new tax code reflected taking that money back. I rang straight away and they've said that the system thinks I had the wrong tax code the whole year. They tell me that the only way to prove I didn't is when the next P11D is issued and they process it, this won't be until August and in the meantime they will start taking the money back next month in April.

I can't tell you how upset and stressed this makes me feel, this is the third year running of HMRC errors. How can it be right that they made a mistake last year which I immediately corrected and the incorrect tax code was never applied yet I have to suffer 5 months of a reduced salary until they get the P11D and even then I'm relying on them getting it right which they have not done for three years!

I have asked to raise a complaint and a Manager is calling me back next week to start this. Surely the P11D can't be the only way to prove things, my pay slips and the amount of tax I have paid must be proof?

Regards
ATT

Tilly_MFW_in_6_YRS

Hi ATT, blinking HMRC - always such a nightmare to deal with.

Good luck with your escalation.

Best wishes Tilly x

abouttimetoo

Hi Tilly

Thanks and you're right, always a bloomin nightmare. They were supposed to call me last Monday night and what a surprise, they didn't call :eek: I was away all last week bouncing around a number of hotels so have just had to wait until this coming week to call them again. Last time I was on hold for 45 mins before I got through and it's a heck of a call rate so wasn't going to do that from work/my mobile/hotel!

It's so infuriating as I double checked with them that they would definitely call as I've been let down in the past and was assured I'd definitely get the call...

PS, what a lovely Sunny Easter Monday :j

Regards
ATT

abouttimetoo

Just made a small mid-month OP of £19.79 to take my overall o/s balance down into the next thousand scale, it now starts with
a £137 :j

Just had a lovely hour tinkering with my budget spreadsheet as it's ages since I last updated it. I've also completed the following things on my to do list

• Closed 3 old nil balance accounts as the rate had expired
• Opened an ISA ready for 13/14 and the full amount is ready to go in 6th April. I went with the Halifax 2.5%/2year one in the end
• Opened a [EMAIL="N@tionwide"]N@tionwide[/EMAIL] Flex Direct 5% for myself (did one for family member last month and it's all up and running now)
• Opened new car savings account as the rate on my current one expires this week (it's only for annual running costs rather than replacement car costs)
• Set my two D/D's up to come from [EMAIL="H@lifax"]H@lifax[/EMAIL] to ensure £5 pm still received. This was far easier than I'd expected as for both of them I could do it on-line so no pesky phone calls or paperwork - why oh why did I not do it sooner :eek:

Regards
ATT

lulabelle1

I'd consider holding back on putting anything in the isa..... Are you with nationwide? They're going to be launching a new isa sometime in the next week. They did this last year - it was only available to nationwide flex customers and was only available for a week or so but it had a rate of 4.25%......

Hmrc - terrible shoddy service, they should be ashamed of themselves.

abouttimetoo

Hi Lula

Thanks for the [EMAIL="N@tionwide"]N@tionwide[/EMAIL] tip, sounds promising My application was accepted on-line, just waiting for the bumph to come through now though it took nearly three weeks between opening and being able to put money in the flex account when I did it recently for a family member (some stuff came really quickly but the card reader took an age and we couldn't seem to get the money in without it)

I've not funded the [EMAIL="H@lifax"]H@lifax[/EMAIL] ISA yet so hopefully the NW details will come through quickly and they also do an offer like last year, I'll keep my beady eye out for it

Re HMRC, I know, they beggar belief...

Regards
ATT

lulabelle1

I will post on my thread as soon as I know more about the NW Isa.... I'm hoping that I will be able to grab one for myself. Last time you needed to go to the branch in order to open it. So, as long as you have some record of the account number for the new account, you should be fine, even if the bumf hasn't arrived.

If HMRC can't get themselves organised, what hope is there?