The mortgage, both loans and the credit card are identified, with end dates where they exist. Two of the three have a date when they stop costing money.
£4,138.05 a month, reference 8010668480/0923484, leaving the current account on the 1st. Remortgaged March 2023 jointly with Violaine through LMS (ref 6862790). Outstanding £746,778.
Labelled "Bank of Ireland Cards" on statements — a data quirk, not a credit card. Email from
rome@boi.com settles it: "your Bank of Ireland UK mortgage account".
Not in any document or email. The payment stepped from £4,085.26 to £4,138.05 at the end of 2025 — the shape of a product change. Log in to the Bank of Ireland UK mortgage account and record the date. Six months' notice is useful; six days' is not.
Two dates worth diarising: Dec 2027 returns £2,719 a year, and mid-2030 returns £6,240 a year to Musical Dice.
Netflix, Spotify, Disney Plus, Apple, Ring, Lebara and Lime all bill to Musical Dice. Squarespace and GoDaddy are plainly business; the streaming services are harder to argue. An allowable-expense question for BM Connect — better raised before the 31 October year end than during it.