Moans and Pet Hates - Part 8

[tweetiepooh]

Oh the fun paying of our mortgage.

Mortgage - Natwest
Savings - Natwest
Current - Natwest.

Got a redemption statement to clear mortgage. That was the easiest bit.

Can we set up payment to move money from savings to mortgage in advance so payment just happens? Nope

Can we set up payment on day in question? Nope - bank holiday. Can't pay early as in deal and get hit with huge early payment charge.

Can we pay direct from savings account? Nope need to move to current account first.

Can we then pay using online banking - nope, amount exceeds allowed limits for transaction. So we pay off the oddments on the statement, then try to pay the remaining in chunks - nope - it's a daily limit in total.

Phone up and I get some guy who tries to add hundreds of pounds of interest to payment despite the redemption already covering interest to date ask for.

Eventually my wife gets through - first to the security team to remove the limit on transfers, then to an operator more clued in who puts through the rest of the amount.

Now checking accounts the big amount has cleared OK but the oddments are taken from current but not applied to mortgage. Another call and it's all fine.

I know the banks need to have checks and so forth but why so hard to pay off mortgage where moneys are in same bank? I'd have hoped we could simply asked them to up the Jan DD amount to take the balance, yes we'd still have to move money to current account but that bit was OK.

[papa smurf]

Originally Posted by tweetiepooh

Oh the fun paying of our mortgage.

Mortgage - Natwest
Savings - Natwest
Current - Natwest.

Got a redemption statement to clear mortgage. That was the easiest bit.

Can we set up payment to move money from savings to mortgage in advance so payment just happens? Nope

Can we set up payment on day in question? Nope - bank holiday. Can't pay early as in deal and get hit with huge early payment charge.

Can we pay direct from savings account? Nope need to move to current account first.

Can we then pay using online banking - nope, amount exceeds allowed limits for transaction. So we pay off the oddments on the statement, then try to pay the remaining in chunks - nope - it's a daily limit in total.

Phone up and I get some guy who tries to add hundreds of pounds of interest to payment despite the redemption already covering interest to date ask for.

Eventually my wife gets through - first to the security team to remove the limit on transfers, then to an operator more clued in who puts through the rest of the amount.

Now checking accounts the big amount has cleared OK but the oddments are taken from current but not applied to mortgage. Another call and it's all fine.

I know the banks need to have checks and so forth but why so hard to pay off mortgage where moneys are in same bank? I'd have hoped we could simply asked them to up the Jan DD amount to take the balance, yes we'd still have to move money to current account but that bit was OK.

I had a similar problem with santander,i had retired from my job and thought i would pay off the mortgage [a year or so early] they tried to hit me with an early payement fee which doubled the amount i owed,it was clear they had no intention of letting me pay it off early without a large amount of financial pain, i decided to just carry on with the regular payements,when i paid off the mortgage the final payement should have been twenty something pounds to clear up the remaining debt but they still took a full months mortgage payement and i had to claim back my own money.

[Hom3r]

I came home from seeing my niece on here birthday, I was shivering.

I went to bed at 8pm on Thursday, and woke at 8am Saturday.

I slept for 36 hours.

still rough

[tweetiepooh]

Originally Posted by papa smurf

I had a similar problem with santander,i had retired from my job and thought i would pay off the mortgage [a year or so early] they tried to hit me with an early payement fee which doubled the amount i owed,it was clear they had no intention of letting me pay it off early without a large amount of financial pain, i decided to just carry on with the regular payements,when i paid off the mortgage the final payement should have been twenty something pounds to clear up the remaining debt but they still took a full months mortgage payement and i had to claim back my own money.

2 letters from Natwest today
First is change of interest (now on standard rate)
Second is they have received the bigger payment and we now owe the smaller amount and the new monthly rate.

They have taken our old normal amount but that was expected and they should pay back any extra moohlah!

[nashville]

Fed up with this horrible Virus. Choked up lifeless chest infection, This is my second lot of antibiotics. Has this since Boxing Day, surely it must ease up soon,

[heero_yuy]

We keep getting a message from the Cisco VHD box that a free upgrade to Tivo can be ordered on-line as some features (Which we don't use) will not be available. I've tried this several times and part way through I get "Oops something went wrong"* and to phone up. Can't they get anything right?

No way am I phoning VM. I should be able to do this on-line without talking to Bagra Bob.

*Meaning we didn't bother to test this properly and it's borked.

[SnoopZ]

Originally Posted by heero_yuy

We keep getting a message from the Cisco VHD box that a free upgrade to Tivo can be ordered on-line as some features (Which we don't use) will not be available. I've tried this several times and part way through I get "Oops something went wrong"* and to phone up. Can't they get anything right?

No way am I phoning VM. I should be able to do this on-line without talking to Bagra Bob.

*Meaning we didn't bother to test this properly and it's borked.

Try phoning 8am.

[Tinky]

Originally Posted by nashville

Fed up with this horrible Virus. Choked up lifeless chest infection, This is my second lot of antibiotics. Has this since Boxing Day, surely it must ease up soon,

I can sympathise with you Nash, got the dreaded lurgy myself, no fun when you have COPD.

[nashville]

Originally Posted by Tinky

I can sympathise with you Nash, got the dreaded lurgy myself, no fun when you have COPD.

Thanks Tinky, Thank God ,I am beginning to feel a bit better. It seems to be doing its rounds.

[denphone]

Originally Posted by Tinky

I can sympathise with you Nash, got the dreaded lurgy myself, no fun when you have COPD.

That much be terrible Tinky as praise be to god no lurgy has come my way so far this winter.

l hope you and nash get better soon.

---------- Post added at 04:38 ---------- Previous post was at 04:37 ----------

Originally Posted by nashville

Fed up with this horrible Virus. Choked up lifeless chest infection, This is my second lot of antibiotics. Has this since Boxing Day, surely it must ease up soon,

l hope it does improve soon for you nash as there is nothing worse then feeling unwell over Christmas.

[Tinky]

Originally Posted by denphone

That much be terrible Tinky as praise be to god no lurgy has come my way so far this winter.

l hope you and nash get better soon.

---------- Post added at 04:38 ---------- Previous post was at 04:37 ----------



l hope it does improve soon for you nash as there is nothing worse then feeling unwell over Christmas.

Thank you Den. And Nash that is a long time to have a virus, perhaps you could ask the Doc for antibiotics to clear it. If you can get an appointment that is.

[nashville]

Thank the Lord ,I am just feeling back to normal , I had two lots of antibiotics and two cough bottles, I have never had a virus like this before and hope I never get another one.

[Tinky]

Prays be it will be along time before you have to endure this ghastly virus. I am hoping mine is on the way out too.

[denphone]

Originally Posted by Tinky

Prays be it will be along time before you have to endure this ghastly virus. I am hoping mine is on the way out too.

A few dry sunny days would not go amiss.

[ThunderPants73]

Originally Posted by nashville

Fed up with this horrible Virus. Choked up lifeless chest infection, This is my second lot of antibiotics. Has this since Boxing Day, surely it must ease up soon,

Why do doctors prescribe antibiotics for viruses?