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  • FIRST POST
    • ZTD
    • By ZTD 25th Sep 17, 6:40 PM
    • 23,730Posts
    • 42,869Thanks
    ZTD
    And now the fuse is lit...
    • #1
    • 25th Sep 17, 6:40 PM
    And now the fuse is lit... 25th Sep 17 at 6:40 PM
    Well...

    I have a house. And a mortgage. Took years and cost a fortune, as Batman said once.

    Don't talk to me about surveys (though this one at "so so" was better than many). Or surveyors (I wouldn't use this one again - seemed scared of ladders). Or vendors (though this one was great). Or estate agents (this one was truly dreadful). Or solicitors (though this one was great).

    I don't suppose this diary is going to be much about finances or mortgages, because let's face it, apart from a little kerfuffle once a month (when I get paid) nothing much seems to happen. It'll probably just being rude about things, and encouraging others to be rude too...

    Welcome aboard the mortgage diary. Hopefully it will be an express elevator to hell - going down!

    Twenty five years seems a long time otherwise...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
Page 37
    • ZTD
    • By ZTD 9th Apr 18, 9:10 PM
    • 23,730 Posts
    • 42,869 Thanks
    ZTD
    As long as it was worth it.
    Originally posted by beanielou
    It "earns" me (saved mortgage interest) about £60 pcm, yet lets me retain ISAs for the future.

    It is a bit of a tart on - but should mean I stay tax-free while "saving" at my mortgage rate.
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • beanielou
    • By beanielou 9th Apr 18, 9:15 PM
    • 56,780 Posts
    • 230,823 Thanks
    beanielou
    It "earns" me (saved mortgage interest) about £60 pcm, yet lets me retain ISAs for the future.

    It is a bit of a tart on - but should mean I stay tax-free while "saving" at my mortgage rate.
    Originally posted by ZTD
    That's great then.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • edinburgher
    • By edinburgher 9th Apr 18, 9:33 PM
    • 11,201 Posts
    • 60,133 Thanks
    edinburgher
    No...it didn't go smoothly. When same-day "Faster Payments" aren't available, you really do miss them...
    Originally posted by ZTD
    I'm starting to think that TSB have their own version of the payments system "fast-ish" payments. The money disappears just long enough for you to crap yourself and then appears in the account just when you think about calling them
    • Karmacat
    • By Karmacat 9th Apr 18, 9:35 PM
    • 29,739 Posts
    • 171,475 Thanks
    Karmacat
    Sorry about the Slow Payment Scheme, but £60pcm is a wonderful thing well done you. Very stretchy pound notes you've got
    Retired August 2016
    • beanielou
    • By beanielou 9th Apr 18, 9:42 PM
    • 56,780 Posts
    • 230,823 Thanks
    beanielou
    Tsb are not the best & all the good offers go to new customers which makes me
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • ZTD
    • By ZTD 10th Apr 18, 7:52 PM
    • 23,730 Posts
    • 42,869 Thanks
    ZTD
    I'm starting to think that TSB have their own version of the payments system "fast-ish" payments. The money disappears just long enough for you to crap yourself and then appears in the account just when you think about calling them
    Originally posted by edinburgher
    Well to be fair on the occasion I used them, TSB did their little "Faster Payments" animation, and true to their word, the money did appear in the BS a few hours later.

    FD said OTOH "The receiving institution say they will credit your account at the end of the next working day." It made me think I should have transferred it to TSB and then onto the BS...except that it re-surfaced in the BS a couple of hours later the same day...

    On the way back however, I started the BS submission on the Friday, and the Monday morning it still wasn't back into the bank. I did expect trouble and had left enough money in the bank account to pay the mortgage, but even so...

    Sorry about the Slow Payment Scheme, but £60pcm is a wonderful thing well done you. Very stretchy pound notes you've got
    Originally posted by Karmacat
    I try to make them work when I have them. To make up for my expensive tastes...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • ZTD
    • By ZTD 10th Apr 18, 7:57 PM
    • 23,730 Posts
    • 42,869 Thanks
    ZTD
    Tsb are not the best & all the good offers go to new customers which makes me
    Originally posted by beanielou
    When they were lloydstsb, they were hopeless. So many times I bought something with my card, it was flagged as fraudulent - even things like car insurance.

    I eventually went to FD because they were sooooo crap when I was trying to buy a set of tyres before going off on holiday.

    I didn't close the account, just dropped the balance to way down low. However, now as TSB, they have a bit better idea of customer service, and a bit more in terms of paying interest, so the balance is back up.

    My main gripe is that lloyds took all of the best branches. Every "new" tsb branch I've been in, looks a bit like a Credit Union with ambitions...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • beanielou
    • By beanielou 10th Apr 18, 8:17 PM
    • 56,780 Posts
    • 230,823 Thanks
    beanielou
    No lloyds up here now.
    They are all Tsb's I think.
    I think most of them will close at some point.
    Ours is down to 4 days.
    The RBS (!!) closes this month.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • ZTD
    • By ZTD 11th Apr 18, 11:05 PM
    • 23,730 Posts
    • 42,869 Thanks
    ZTD
    Today has been a bit of a learning experience in many ways, most of all in a "I didn't realise..." kind of way.

    Trouble a' t'mill at a local housing company - I know some people working there. As is the usual thing, not listening and then wondering about staff retention later...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • ZTD
    • By ZTD 12th Apr 18, 7:02 PM
    • 23,730 Posts
    • 42,869 Thanks
    ZTD
    Ooh look, the variable width "green" theme has gone, and the fixed one substituted. Or the "Brazillian Green" as I call it - only interesting in a thin strip.

    Shall I, as a fully paid-up member of the PC Master Race give up resolution and live like a Console Peasant?

    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • EssexHebridean
    • By EssexHebridean 15th May 18, 12:39 PM
    • 8,719 Posts
    • 46,032 Thanks
    EssexHebridean
    Hope all is good with you Z - you've gone quiet.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£1035.63 (09/07/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • beanielou
    • By beanielou 15th May 18, 5:45 PM
    • 56,780 Posts
    • 230,823 Thanks
    beanielou
    Hope all well in your world Mr Z.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • Butti
    • By Butti 15th May 18, 8:11 PM
    • 4,679 Posts
    • 12,804 Thanks
    Butti
    Sometimes he goes quiet for a wee while
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/15 )£7790
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'

    'one day I will be rich and famous…for now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S MOB
    • beanielou
    • By beanielou 15th May 18, 8:17 PM
    • 56,780 Posts
    • 230,823 Thanks
    beanielou
    Sometimes he goes quiet for a wee while
    Originally posted by Butti

    As do you
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
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