MoneySavingExpert.com Forums http://forums.moneysavingexpert.com/ Cut bills without cutting back en Thu, 23 May 2013 13:18:40 GMT vBulletin 30 http://static3.moneysavingexpert.com/images/forum_style_2/misc/rss.jpg MoneySavingExpert.com Forums http://forums.moneysavingexpert.com/ Which methods can I use to pay tax due? http://forums.moneysavingexpert.com/showthread.php?t=4615605&goto=newpost Thu, 23 May 2013 13:18:13 GMT Apologies if this has been covered elsewhere, couldn't find the answer when I searched.

Up until now I've been quite stubborn in wanting to file my tax return on paper. This year the tax office didn't send me a return through the post, but sent a letter trying to get me to file online.

I've had a look at their demo today, I'm still in two minds, but may move to online. What I'd really like to know is regarding me making my payments. At the moment they send me a bill before payment's due in July and January, and I pay it at my local bank.
If I file online, does the whole thing become online? Would I get the payment requests by email instead? And would I be expected to pay online, or would I still have an option to go to my bank?
I only use one credit card online, to reduce my financial exposure, and don't want to be putting my bank details on there.
How do you all pay? ]]> Cutting Tax ellie99 http://forums.moneysavingexpert.com/showthread.php?t=4615605 E: 31/05 win a stay in a scottish cottage http://forums.moneysavingexpert.com/showthread.php?t=4615603&goto=newpost Thu, 23 May 2013 13:17:53 GMT Crabbies ginger Wine

HERE

The prize is a short break for up to 4 people on a self-catering basis in Brockloch Bothy, Dumfries & Galloway ( http://www.canopyandstars.co.uk/brit...rockloch-bothy ), subject to availability. Travel to and from the prize destination is not included, nor are any other expenses. The winner may choose either a three-night weekend stay (with Friday check-in) or a four-night midweek stay (with Monday check-in) to be taken between June 2013 to June 2014 (excluding July, August, half-term(s) Easter holidays, Valentine’s day weekend and all other bank holidays). If the winner has already made a booking at Brockloch Bothy, the prize can be claimed against this booking.
The stay is subject to availability and must be booked no later than 15th July 2013. Any changes to bookings may incur a charge. The winner may not use the prize in conjunction with any other offer, promotion or prize draw.
The free Prize Draw is only open to residents of the UK, aged 18 and over and anyone accompanying the winner must also be aged 18 or over. Entries are limited to one per person. Prize is non-refundable, non-transferable and no cash alternative will be given. ]]> Competitions Time kbh4031 http://forums.moneysavingexpert.com/showthread.php?t=4615603 E: 27/05 6pm Win A Byocycles Electric Folding Bike http://forums.moneysavingexpert.com/showthread.php?t=4615601&goto=newpost Thu, 23 May 2013 13:17:45 GMT **Wave 105** (http://www.wave105.com/win/win-a-byocycles-electric-folding-bike/) *Wave 105* ]]> Competitions Time Lakshmi7 http://forums.moneysavingexpert.com/showthread.php?t=4615601 Suspended for misconduct- HELP NEEDED http://forums.moneysavingexpert.com/showthread.php?t=4615599&goto=newpost Thu, 23 May 2013 13:17:16 GMT Hi guys,

Been pretty upset today as found out i'm suspended from work for 'misconduct'. I'll explain..I'm a youth mentor for a university and work mainly with FE Students.

Basically i started the job in September 2012 and had all the relevant training provided by the university. As a youth mentor I have to teach students about various educational topics every month such as sti's etc and monitor/supervise students in the student common room..as part of the university's interest in students they ask students to fill in feedback forms at the end of each educational topic teaching session.

In December 2012 there was some comments left in scribbly writing which made racist remarks to myself as a tutor stuff like 'why don't we have a english tutor etc'. I didn't actually see these comments but my manager did. My manager rung me at the time and asked me to call him. I called him and he told me that he had seen the comments and that i should ignore them as the majority of students are white and its ignorance, but he didn't want me to feel the matter was being ignored so he would have a meeting with all students and get the police to come in to talk about racism. He did all of this and no one admitted they wrote the comments. He then asked me if i wanted to file a police report or what. I told him that I didn't as I wasn't bothered about it and they're only college kids mainly 16 so i put it down to ignorance.

In March 2013 this year we've had two new staff members as two left who work as youth mentors next to me. Basically since then staff members have been getting odd texts which appear to be from another staff member but aren't saying they've been sacked etc. I was also victim to this and almost fell for it, luckily our work noticed and text us all so I realised. My work never found out who was doing it but had a meeting advising everyone to be careful and as a result they moved all staff files from a public area to a secure area.

Today I got called into a meeting all of a sudden at work with the head of youth mentoring and head of staff. They asked me to recall the racism incident in December and pulled out the feedback forms which has racist comments on them. They then pulled out feedback forms I had signed as part of my contract and another's mentors feedback form which had been modified and extra words added on it. They told me that all 3 pieces of documents looked like they were my writing (scribbly) and could I explain this.
i told them that I was extremely offended that they would imply I had been modifying documents and more importantly the pens we all use to write with are the same and shared between students and ourselves because we have limited supplies and I had not been writing or modifying anything and had no reason too. Furthermore the way of the writing ie: the way the a's and g's were wrote on the racism form seemed totally different to mine. They noted this and I told them just because someone has scribbly writing and mine is also does not mean that this is the same person. They then said to me on that basis I wrote '&' on a sheet and the last mentor's work that had been modified also had an '&' on.
So they put to me that no racism ever happened, I was lieing and secretly unhappy with my job and decided to falisify feedback documents, feedback sheets and was so dumb I used the same pen, same writing style and letters and words. They then ever said that next year my re-application for this job should be suggested that 'it won't go to the same person'.
To be honest I was pretty upset as I haven't done the above things and they told me that they have sought advice from their 'HR lawyer in the university' and that she hasn't actually seen the documents but her advice is to suspend me. I will be paid for days i worked that's it.

I feel this is really unfair espically when the feedback forms are left in a open environment on a desk where students can get them or staff and i did put this to them. However i feel i've been unfairly treated here espically suggesting and implying that I won't get the job next year if I re-apply.

I just wondered what can I do? what are my rights? have they acted fairly? Could i ask that if they want to speak to me further that I have a lawyer there?

If anyone could let me know that would be fantastic as at the end of the whole meeting I was pretty upset as i really enjoy teaching these children and giving something back.. ]]> headgirl49 http://forums.moneysavingexpert.com/showthread.php?t=4615599 E: 28/06 Win A £100 Gift Card For Maplins http://forums.moneysavingexpert.com/showthread.php?t=4615597&goto=newpost Thu, 23 May 2013 13:16:10 GMT *Wave 105 (http://www.wave105.com/win/win-a-100-gift-card-for-maplins/)* Answer: iPad Mini Wave 105

Answer: iPad Mini ]]> Competitions Time Lakshmi7 http://forums.moneysavingexpert.com/showthread.php?t=4615597 Contaminated land - re-valuation required http://forums.moneysavingexpert.com/showthread.php?t=4615595&goto=newpost Thu, 23 May 2013 13:14:35 GMT I am purchasing a flat. My mortgage application with the lender went through very quickly, credit check and valuation all done within a week.

After an environmental search carried out by my solicitors, the property has been flagged up to be within 25m meters of contaminated land. The lender was notified nearly 4 weeks ago however I've still no reply as to what will happen.

Anybody had any experience in this?
What are the potential outcomes?

My solicitor and mortgage broker are continually chasing but it has proved to be quite a frustrating few weeks. To add the seller needs to start looking for rental accomodation pretty soon as they are relocating. Any advice would be appreciated. ]]> Spring85 http://forums.moneysavingexpert.com/showthread.php?t=4615595 E: 26/06 Win perfect summer make-up from Wild About Beauty http://forums.moneysavingexpert.com/showthread.php?t=4615593&goto=newpost Thu, 23 May 2013 13:13:06 GMT http://beautybible.com/wild-about-beauty-prize-may-22/ Good Luck Sue :) http://beautybible.com/wild-about-beauty-prize-may-22/

Good Luck

Sue :) ]]> Competitions Time Barnabysue http://forums.moneysavingexpert.com/showthread.php?t=4615593 Saving for your children http://forums.moneysavingexpert.com/showthread.php?t=4615591&goto=newpost Thu, 23 May 2013 13:12:43 GMT Hello,

I was wondering how much people save for their childrens future?

at the moment I'm putting away £20 a month for each of my children and I have done since they were born. 1 is in a Child Trust Fund, the other a Junior ISA. They both earn roughly the same interest. This amount per month put into their savings will increase as my salary (hoepfully) increases over the years.

My worry with that is, by the time they are actually able to access the money, will the predicted amount be worth alot less then than it is now? Based on the amount saved so far and paying £20 a month until they reach 18, they'll have £4000.00

the interest rates are pretty poor.

Any comments on what others do in preparation for their children growing up greatly appreciated. If there is a better investment alternative or if you think this amount per month is not enough etc.

Thanks ]]> Peter1988 http://forums.moneysavingexpert.com/showthread.php?t=4615591 suet help please, im a bit stuck :-) http://forums.moneysavingexpert.com/showthread.php?t=4615589&goto=newpost Thu, 23 May 2013 13:12:17 GMT Hello,

I was wondering if any had any good suet recipes. I'm looking for both savoury and sweet.

I don't have any eggs, but I can get some.

I can't stand kidney (found loads of recipes for this),and my partner hates dried fruit with a passion.

I normally make mince and dumplings, I rubbish at it but thelads seem to like it!


Thanks :-) ]]> Old Style MoneySaving kezlou http://forums.moneysavingexpert.com/showthread.php?t=4615589 <![CDATA[E: 24/05 Win European Union Baroque Orchestra's Pure Handel on CD]]> http://forums.moneysavingexpert.com/showthread.php?t=4615587&goto=newpost Thu, 23 May 2013 13:11:38 GMT What happened at the fireworks display when Music for the Royal Fireworks was officially premiered? Answer: A wooden building caught fire Register/Log in *Classic* *FM* (http://www.classicfm.com/win/classic-fm-daily-quiz/) *:j:j* What happened at the fireworks display when Music for the Royal Fireworks was officially premiered?

Answer: A wooden building caught fire

Register/Log in

Classic FM

:j:j

(Thanks to Nursey for formatting.) ]]> Competitions Time Midnighter http://forums.moneysavingexpert.com/showthread.php?t=4615587 Ofgem miss selling british gas http://forums.moneysavingexpert.com/showthread.php?t=4615585&goto=newpost Thu, 23 May 2013 13:11:25 GMT Hi

I made a complaint to Ofgem in January this year regarding miss selling in my department. The actual incidents I was referring to took place in August last year. The reason for the delay was that I didn't have proof of the malpractice taking place. I was able to obtain a few examples that are in breach of Ofgem regulations and forwarded them on. After initial interest and a statement that the managers of the department were fully aware of the practices taking place. No investigation was carried out. The miss selling I was referring was equal if not bigger than SSE.

I was going through a disciplinary at the time of my disclosure to Ofgem and now have left the company. Would this be the reason why they have not done anything as my disclosure wasn't in 'good faith'?

Your comments would be appreciated ]]> tzu http://forums.moneysavingexpert.com/showthread.php?t=4615585 03/06 MGM HD Film Prize Pack - DVDS/BluRays/Posters/T-shirts... http://forums.moneysavingexpert.com/showthread.php?t=4615583&goto=newpost Thu, 23 May 2013 13:10:50 GMT MGMHDUK facebook page MGM HD UK website. If someone can post the links, that would be great!

I think there are at least 10 films in there, but I'm afraid I don't know them all. I've spotted:

West Side Story
The Great Escape
Thelma & Louise
The Apartment
Fiddler on the Roof
Raging Bull ]]> Competitions Time mrsilencio http://forums.moneysavingexpert.com/showthread.php?t=4615583 Deposit help http://forums.moneysavingexpert.com/showthread.php?t=4615581&goto=newpost Thu, 23 May 2013 13:08:28 GMT Please can someone help me? In March we paid over the phone for a deposit for my son to go on an expedition to Africa next year via school. My son has been told he cant return to school next year and my husband has been made redundant so therefore my son obviously cannot go as this trip is around £3.5k. They are telling me that the deposit of £395 is non refundable, do I have any rights at all? The trip is not until Aug 2014 I told them in April this year which is more than enough notice I believe and this is unfair. Thanks Please can someone help me?

In March we paid over the phone for a deposit for my son to go on an expedition to Africa next year via school.

My son has been told he cant return to school next year and my husband has been made redundant so therefore my son obviously cannot go as this trip is around £3.5k.

They are telling me that the deposit of £395 is non refundable, do I have any rights at all? The trip is not until Aug 2014 I told them in April this year which is more than enough notice I believe and this is unfair.

Thanks ]]> tiredredhead http://forums.moneysavingexpert.com/showthread.php?t=4615581 Letter from mackenzie hall http://forums.moneysavingexpert.com/showthread.php?t=4615579&goto=newpost Thu, 23 May 2013 13:08:19 GMT I need some advice please.

Today I received a letter out of the blue from mackenzie hall stating they are trying o contact the above named person regarding a personal matter. They state they have been provided my address as being the possible residential details of their subject.

The letter was addressed to me in a previous married name that I have not used for 12 years.

I don't know what to do. ]]> Debt-Free Wannabe hoggle http://forums.moneysavingexpert.com/showthread.php?t=4615579 Daily Deals in Washington DC http://forums.moneysavingexpert.com/showthread.php?t=4615577&goto=newpost Thu, 23 May 2013 13:08:03 GMT Daily Deals in Washington DC Are you Disappointed with the pricing of beauty services?? Searching or waiting for any offers or deals to save some money… No need to look any more. New Look deals is providing the best deals at low price when compared with the market. Every day New deals are waiting for you at your door step through our web point with ‘upto 90%’ off on different services and products. We at present introduced ourselves with beauty services. Our wide ranges of deals are segregated into 3 modules named as Daily deals, Same day deals and Product deals. The name itself represents the way of that deal. Same day deals is the deal for current offered day and daily deals will last for a certain time, whereas product deals resembles with daily deals which totally covers the product base offers. At present we are Incorporated with Virginia best spa “New Look Day Spa and Laser”, which has been elected as “Best of Herndon award” for two consecutive years in the beauty salons category by the U.S commerce association (USCA) and placed a bench mark of its own with their services. To make their Customer smile more bright they stepped into this deals with us and offering their services at low price. Our team is in chase of more best service providing spa’s which satisfy the consumer need and our wings are stretched to take care and to overcome the disturbances. In our opinion Beauty is the thing which makes you to represent at your best. Inner beauty makes your character high and if it is at pars with your appearance then it makes you impeccable. Majorly beauty play’s a vital role for woman. We all know a woman who doesn’t come out without make-up. At present we offers best discount on below deals: • VelaShape body-sculpting treatments (Up to 83%) • Manicure - Pedicure (UP to 50% Off) • Under Arm Waxing (Upto 50% Off) Daily Deals in Washington DC

Are you Disappointed with the pricing of beauty services?? Searching or waiting for any offers or deals to save some money… No need to look any more. New Look deals is providing the best deals at low price when compared with the market. Every day New deals are waiting for you at your door step through our web point with ‘upto 90%’ off on different services and products. We at present introduced ourselves with beauty services.
Our wide ranges of deals are segregated into 3 modules named as Daily deals, Same day deals and Product deals. The name itself represents the way of that deal. Same day deals is the deal for current offered day and daily deals will last for a certain time, whereas product deals resembles with daily deals which totally covers the product base offers. At present we are Incorporated with Virginia best spa “New Look Day Spa and Laser”, which has been elected as “Best of Herndon award” for two consecutive years in the beauty salons category by the U.S commerce association (USCA) and placed a bench mark of its own with their services. To make their Customer smile more bright they stepped into this deals with us and offering their services at low price. Our team is in chase of more best service providing spa’s which satisfy the consumer need and our wings are stretched to take care and to overcome the disturbances.
In our opinion Beauty is the thing which makes you to represent at your best. Inner beauty makes your character high and if it is at pars with your appearance then it makes you impeccable. Majorly beauty play’s a vital role for woman. We all know a woman who doesn’t come out without make-up.

At present we offers best discount on below deals:
• VelaShape body-sculpting treatments (Up to 83%)
• Manicure - Pedicure (UP to 50% Off)
• Under Arm Waxing (Upto 50% Off)
• Brazilian Waxing (Upto 52% Off)
• Eyebrow & Upper lip Threading (Upto 47% Off)
• Two IPL Photofacials for a Small, Medium, or Large Area Deal
$99 for two IPL photo facials for a small area. Choose from the nose, cheekbones, forehead.
$179 for two IPL photo facials for a medium area. Choose from the full face, neck, or back of the hands
$299 for two IPL photo facials for a large area. Choose from the chest, forearms, upper back, or lower legs

• Eyebrow Threading, Dermalogica / Herbal Facial and Diamond Dermabrasion (Up to 55% Off)
o Herbal Facial (Shahnaz Advance) or Dermalogica Power Facial
o 10 Eye Brow Threading
o Diamond Dermabrasion
o 10 Full Face Threading
• One Full Body Laser Hair Removal with Gentle Max Pro (Up to 85% Off)
• Six Laser Hair Removal Treatments on Small, Medium, Large and Extra Large Area's (UP to 83% Off)
o 10 Full Face Threading
o Six Laser Hair Removal Treatments on Medium Area’s
o Six Laser Hair Removal Treatments on Large Area’s
o Six Laser Hair Removal Treatments on Extra Large Area’s

We take care of the every deal related information totally and helps to avail the service at ease by the guidelines. Specific care is taken for your information and we avoid it from malfunctioning or misusing. We are tied up with all security norms and we are ready to feed you with flawless deals. As we all know Internet is rife with deals, choosing the best makes you better and shop online to save some money and lots of time.

daily deals in Washington dc, daily online deals, the daily deals at New Look Deals, daily online deals at New Look Deals, daily deals at New Look Deals, deals, great deals, today deals,
beauty deals, online deals, beast deals, daily deals, deal of the day


Communication Address:
201 Elden Street,Suite # 203, Herndon, VA , 20170
Our customer service is pinned at : customerservice@newlookdeals.com ]]> dealatnewlookdeals http://forums.moneysavingexpert.com/showthread.php?t=4615577 West midlands safari park http://forums.moneysavingexpert.com/showthread.php?t=4615575&goto=newpost Thu, 23 May 2013 13:07:49 GMT Hi Everyone! Me and a few friends are planning to go yo west Midlands safari park on Sunday. We noticed the club card vouchers for tescos today where you can exchange the points to get tickets for £4. But the only downside to this is that it takes 5 days to get delivered. But is there any other way of getting cheap tickets to go to wmps? Thanks in advance. Hi Everyone!
Me and a few friends are planning to go yo west Midlands safari park on Sunday. We noticed the club card vouchers for tescos today where you can exchange the points to get tickets for £4. But the only downside to this is that it takes 5 days to get delivered.

But is there any other way of getting cheap tickets to go to wmps?

Thanks in advance. ]]> jayu619 http://forums.moneysavingexpert.com/showthread.php?t=4615575 Two Potential Mortgages, Need to Decide! http://forums.moneysavingexpert.com/showthread.php?t=4615573&goto=newpost Thu, 23 May 2013 13:06:10 GMT We are currently considering two potential mortgages and just wondered what people thought of these and how could I calculate the two offers and see which is the best one. Both are for 80% LTV * HSBC, fixed at 3.89% for 5 years then to 3.94% SVR, product fee of £599 however reduced to £399 if you take an advance account with them which is £12.50 a month, so doing this for a year then cancelling saves £45. Overall comparison is 4.1% APR * Halifax, fixed at 4.39% for 5 years then to 3.99% SVR, product fee of £995. However they also pay the stamp duty which would be £2,400. Overall comparison is 4.4% APR (This one is also available fee free, fixed at 4.59% for 5 years then to 3.99%) We are currently considering two potential mortgages and just wondered what people thought of these and how could I calculate the two offers and see which is the best one. Both are for 80% LTV

  • HSBC, fixed at 3.89% for 5 years then to 3.94% SVR, product fee of £599 however reduced to £399 if you take an advance account with them which is £12.50 a month, so doing this for a year then cancelling saves £45. Overall comparison is 4.1% APR

  • Halifax, fixed at 4.39% for 5 years then to 3.99% SVR, product fee of £995. However they also pay the stamp duty which would be £2,400. Overall comparison is 4.4% APR
(This one is also available fee free, fixed at 4.59% for 5 years then to 3.99%)

I’m at a bit of a loss how to calculate one against the other with the fixed periods involved, is anyone able to help and make a suggestion with regard to which one would be cheaper? ]]> TheGame21 http://forums.moneysavingexpert.com/showthread.php?t=4615573 P45 vs P60 http://forums.moneysavingexpert.com/showthread.php?t=4615571&goto=newpost Thu, 23 May 2013 13:02:53 GMT I recently stopped working for an employer at the end of the tax year and was issued with my P45, which I passed to new employer. Old employer says they have no need to issue P60 for end of year? I realise it is exactly the same as information on P45 I have but should I still be entitled to a P60? Thanx I recently stopped working for an employer at the end of the tax year and was issued with my P45, which I passed to new employer. Old employer says they have no need to issue P60 for end of year? I realise it is exactly the same as information on P45 I have but should I still be entitled to a P60?
Thanx ]]> minstrel101 http://forums.moneysavingexpert.com/showthread.php?t=4615571 What can we try next? http://forums.moneysavingexpert.com/showthread.php?t=4615569&goto=newpost Thu, 23 May 2013 13:01:22 GMT First post here, so hi all!

So my situation is, my girlfriend has built up debts of about 15k spread over 4 credit cards over the last few years, and it's time to try and get it sorted. Having looked over this website i've tried a few things as advised with no joy so far.

I've checked out the rates on her cards, and she's basically paying £500 purely in interest, which obviously is wasted money every month. First thing i've told her to do is focus on the card with the worst rate and pay as much as possible extra each month off that one, but obviously it's going to take years and years before she gets anywhere going that path.

We tried going to her bank to get a loan, but they said her credit rating wasn't good enough so no joy there (although she's never missed a payment or anything like that). Then we tried, shifting the debts all to one of her current credit cards but as expected no joy there, or requesting a better rate which I also held out no hope for. We then tried the soft checking for loans as advised on here for the likes of zopa and nationwide but that's got us nowhere either.

So as far as i'm aware that's pretty much all the options I can see exhausted. The ridiculous thing is she can afford to pay back about £600-£650 per month, but no ones willing to to take her up.

So now i'm considering applying for the loan myself because i'd imagine my rating is fairly good, the only thing that might go against me is a lower salary. Obviously my girlfriend will be giving me the money so in effect my finances don't come into it, but I realise that for a loan application they obviously will. So really i'm wondering if I can include this £600 pound that will be going through me as additional income, or failing that are there any other options anyone can think of that I might not have considered.

Thanks in advance for any help ]]> Debt-Free Wannabe MrMoneyman http://forums.moneysavingexpert.com/showthread.php?t=4615569 E: 15/06 Win AMX wheelset (bicycle) (Facebook) http://forums.moneysavingexpert.com/showthread.php?t=4615567&goto=newpost Thu, 23 May 2013 12:57:25 GMT IMBikeMag

Info here
we've teamed up wtih Superstar Compontents to give away one of their new AMX wheelsets, plus a set of Nona Tech pedals in teh colour of your choice.

Enter here - like the page & hit enter. Once you've done that you're already entered for all future draws (so if you've entered any of their previous Facebook competitions then you don't need to enter again). ]]> Competitions Time slbhill http://forums.moneysavingexpert.com/showthread.php?t=4615567 Tyrion and Aryas problems with housing. http://forums.moneysavingexpert.com/showthread.php?t=4615565&goto=newpost Thu, 23 May 2013 12:52:54 GMT From the universal credit guidance. ---Quote--- Tyrion rents a 2 bedroom flat, his rental payments are £400.00 a month. Prior to his claim to UC he was 6 months behind with his rental payments. His landlord takes him to court and his rent is adjusted to £420.00 a month. His housing costs element of UC will be calculated on his original rental payments of £400.00. Arya has a mortgage on her two bedroom terraced house. The mortgage secured on the property is £72,000.00. Arya has defaulted on 5 mortgage payments, a total of £2,500, and the lender has added those arrears to her outstanding mortgage. When information is gathered to make the HCE calculation, this shows the outstanding loan secured on her home is £74,000. Her HCE for UC will be calculated on the £74,500 balance. ---End Quote--- From the universal credit guidance.
Quote:
Tyrion rents a 2 bedroom flat, his rental payments are £400.00 a month. Prior to his claim to UC he was 6 months behind with his rental payments. His landlord takes him to court and his rent is adjusted to £420.00 a month. His housing costs element of UC will be calculated on his original rental payments of £400.00.

Arya has a mortgage on her two bedroom terraced house. The mortgage secured on the property is £72,000.00. Arya has defaulted on 5 mortgage payments, a total of £2,500, and the lender has added those arrears to her outstanding mortgage. When information is gathered to make the HCE calculation, this shows the outstanding loan secured on her home is £74,000. Her HCE for UC will be calculated on the
£74,500 balance.
]]> rogerblack http://forums.moneysavingexpert.com/showthread.php?t=4615565 Yet another help to buy question! http://forums.moneysavingexpert.com/showthread.php?t=4615563&goto=newpost Thu, 23 May 2013 12:52:24 GMT I've been researching whether house builders are allowed to offer incentives if you're using the help to buy scheme so if they claim they can't as some other posters have stated i'll have an idea whether it's the case or not.

I've had a poke around on the intermediary sire for halifax and this is what i found....

" Builder cash incentives include but are not limited to deposit contributions, cash-backs, contribution to legal fees/stamp duty, mortgage subsidies.

Cash incentives for shared equity applications are acceptable provided the total value of the loan plus incentive together does not exceed 95% of the value of the equity share being purchased."

So does that mean offers to pay stamp duty or legal costs can only takes us up to 95% of our equity but additions like carpets, appliances, turf etc would not have to be included? ]]> okborednow http://forums.moneysavingexpert.com/showthread.php?t=4615563 <![CDATA[Thought I'd got my head round e-bay, 2 quick Q's.]]> http://forums.moneysavingexpert.com/showthread.php?t=4615561&goto=newpost Thu, 23 May 2013 12:51:01 GMT I thought I was fairly ok with e-bay but you know when you try and explain stuff to someone and then start to doubt yourself.... Friend paid for a widget from a business seller on e-bay. Widget turns up looking like a cheap version of said widget and broken as well. Friend would like to return widget to seller. Question 1) So that she doesnt have to pay postage is it better to return it as faulty or SNAD? I thought I was fairly ok with e-bay but you know when you try and explain stuff to someone and then start to doubt yourself....

Friend paid for a widget from a business seller on e-bay.
Widget turns up looking like a cheap version of said widget and broken as well.

Friend would like to return widget to seller.

Question 1)
So that she doesnt have to pay postage is it better to return it as faulty or SNAD?

Question 2)

I was always under the impression that it was best to send the item back tracked (not POP) so that you can show delivery?

With POP you get the refund from RM and not the seller.

I guess both would work as you'd be getting your money back eventually.


Thanks in advance.
Having a brain fart day. ]]> Danni-R http://forums.moneysavingexpert.com/showthread.php?t=4615561 <![CDATA[Monevator's cheapest online broker page updated]]> http://forums.moneysavingexpert.com/showthread.php?t=4615559&goto=newpost Thu, 23 May 2013 12:50:34 GMT A stunning bit of work! http://monevator.com/compare-uk-cheapest-online-brokers/ A stunning bit of work!

http://monevator.com/compare-uk-chea...nline-brokers/ ]]> gadgetmind http://forums.moneysavingexpert.com/showthread.php?t=4615559 E: 27/05 Win a £50 Prezzo Gift Card (TW) http://forums.moneysavingexpert.com/showthread.php?t=4615557&goto=newpost Thu, 23 May 2013 12:50:09 GMT *Tropical Sky Deal * (https://twitter.com/TropicalSkyDeal) Retweet (https://twitter.com/TropicalSkyDeal/status/337511982519431168) Tropical Sky Deal
Retweet ]]> Competitions Time *KatieL* http://forums.moneysavingexpert.com/showthread.php?t=4615557 E: 23/05 (5pm) Win Tango (TW) http://forums.moneysavingexpert.com/showthread.php?t=4615555&goto=newpost Thu, 23 May 2013 12:48:51 GMT *Tango * (https://twitter.com/DrinkTango) Retweet (https://twitter.com/DrinkTango/status/337522551553159170) Tango
Retweet ]]> Competitions Time *KatieL* http://forums.moneysavingexpert.com/showthread.php?t=4615555 Ironing Board - Brabantia worth it? http://forums.moneysavingexpert.com/showthread.php?t=4615553&goto=newpost Thu, 23 May 2013 12:47:19 GMT Hi, my Minky ironing board broke spectacularly last night. Sadly don't have receipt and Minky don't want to know.

I am on the hunt for a new one, wondered if anyone had one of
these?

http://www.argos.co.uk/static/Produc...er/8570051.htm

Thanks ]]> I wanna buy-it or do-it adandem http://forums.moneysavingexpert.com/showthread.php?t=4615553 E: 02/06 Win Tickets To See Rod Stewart At The LG Arena (West Midlands) http://forums.moneysavingexpert.com/showthread.php?t=4615551&goto=newpost Thu, 23 May 2013 12:46:39 GMT *Free Radio (http://www.freeradio.co.uk/win/rod-stewart/) *Login/Register Free Radio Login/Register ]]> Competitions Time Lakshmi7 http://forums.moneysavingexpert.com/showthread.php?t=4615551 E: 02/06 childrens books competition http://forums.moneysavingexpert.com/showthread.php?t=4615549&goto=newpost Thu, 23 May 2013 12:46:29 GMT l]http:// bizzimummy .wordpress.com/2013/05/23/tattybogle-review-and-competition/[/url]
Win books straight from the author
Follow
Tweet
Answer ]]> Competitions Time evette77 http://forums.moneysavingexpert.com/showthread.php?t=4615549 XP laptop would not start. http://forums.moneysavingexpert.com/showthread.php?t=4615547&goto=newpost Thu, 23 May 2013 12:46:21 GMT Hi My laptop runs XP SP2 with no obvious problems. I downloaded Kindle for laptop software. I booted my laptop to Safe Mode and installed the software. I did not get any errors and a Kindle desktop icon was created. When I double clicked on the Kindle icon nothing happened. I uninstalled the Kindle software using the Uninstall program within the Amazon folder. Hi
My laptop runs XP SP2 with no obvious problems.

I downloaded Kindle for laptop software.

I booted my laptop to Safe Mode and installed the software. I did not get any errors and a Kindle desktop icon was created.

When I double clicked on the Kindle icon nothing happened.

I uninstalled the Kindle software using the Uninstall program within the Amazon folder.

I manually deleted the remaining Amazon folder.

I then tried to boot my laptop. The Windows logo appeared briefly and very faintly but then the laptop shutdown. I tried again and the same thing happened.

I tried booting into Safe Mode again and then tried to restart Windows but had the same problem.

I have now restarted my laptop using Safe Boots 'Last known good configuration' and Windows started and all seems well. Phew!

This is where I am at the moment.

I am a little concerned about restarting my laptop in case it will not start with any chosen option.

What precautions can I take for when my laptop will not start in the way described?

Any ideas what could have happened to cause this problem?

Any ideas why the Kindle software will not run on my laptop?

Many thanks in advance for your advice.
Graham ]]> Techie Stuff Graham2013 http://forums.moneysavingexpert.com/showthread.php?t=4615547