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Best Of
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Re: £55K debt
Just to add to everyone else about the remortgage. We have had defaults/been in a dmp the last two times our fixed term ended. It just meant I didnt go shopping elsewhere for a new mortgage as that w…1 -
Re: £55K debt
Check out this page from TSB: https://www.tsb.co.uk/mortgages/existing-customers.html. it says: Switch to a new deal online If you know the rate you want, switching your mortgage online is quick and …1 -
Re: £55K debt
@RAS - Many thanks and sorry for any confusion. I do not perfectly understand how the default would impact the mortgage so thanks for the the clarification that it won’t impact my TSB choices. Speaki…1 -
Re: £55K debt
A mortgage adviser who didn't know that you could carry on with the same mortgage company without a credit check?1 -
Re: Progress is...
Waves to Cherryfudge - I have a feeling it was more a cumulative effect than just this particular week! It's also not great at work as our redundancies have started and good friends have been le…8 -
Re: Contact creditor or continue to wait?
Do you have a sufficient emergency fund built up? Do you know how much you can afford to pay? Do you have different accounts that have defaulted at different times or just the 2, one with MBNA & …1 -
Re: Weekly Flylady Thread 16th February 2026
Welcome back MrsC. Hugs for all those feeling ill or under the weather (literally). What was the flylady called who had that terrible flood some years back? We've had total contrast over the wee…11 -
Re: The final countdown to June 2026
Awwh thanks @V3cash and @Ms_Potato_Head that means alot 🥰. When we first got married we rented and had a good landlord and id like to think we we're good tenants . Only moved because we were bu…3 -
Re: General Investment account - Do I NEED to use the full CGT allowance?
It's the most tax efficient to take advantage of the 3k tax free allowance, otherwise you're just storing up gains for more tax later. Of course, if you don't want to do it, that'…2 -
Re: General Investment account - Do I NEED to use the full CGT allowance?
After Bed and ISA, this leaves £19,000 of cash remaining and cannot reinvest into the same fund due to the 30 day rule, or invest it elsewhere immediately. That's time out of the market, or faff…2
