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Scotland

For Scotland-specific MoneySaving tips and questions.

ADS (Scotland) when sharing a house purchase
Wonder if anyone can help clarify the rules on the additional dwelling supplement. My wife and I and my sister and her husband will all be sharing in the purchase of an additional home, with a value of £90k. There is a mention in the exemptions that if any individual share is under £40k, the ADS does not apply. Would this…
Property Buying-Prohibitive Clause
I am just two weeks from completing on a property purchase in Scotland. I was sent the missives today and horrified to read: All proprietors are prohibited from keeping in the flats any dogs, cats, poultry, ducks, pigeons, rabbits, bees or other livestock or from breeding animals. Should I pull out of the purchase? What…
Hup Extensions - anyone used these before? We're based in Scotland
Looking at hup extensions to convert our conservatory and add another room at the back of our house - but having to go through a windows and doors company in Scotland as their base is in England. Still awaiting a response despite phoning and emailing. Has anyone else used them before and how did they get on -…
Merged: Hup Extensions - has anyone used these before
This discussion has been merged.
Entitled to grandparents home
My husband died when our son was 11 months old , his granny died 3 months later , my father in law lived in the family home alone, when his other sons relationship broke down he moved back home, my father inlaw was found living in complete squalor whilst his son lived in a room with all the heating on with separate food…
Debt Collector ignoring debt management plan and continuing wage arrest
Hopefully someone can advise on this one. My son got into difficulties with a payday loan company who eventually took him to court. He fully complied with the process and through the court agreed a repayment plan with the debt recovery company who I guess had purchased the debt. Despite an agreement being in place they…
Diesel claim
Hi i know I'm a little late in the game but getting mixed information Google is telling me all new claims are closed but the advert for claims is on tv can anyone help ... am I too late to claim thank u
Missing Scottish Power shares
My Dad purchased the maximum allowed number of shares for each member of our family (My parents, me and my two brothers), when all the big power companies were privatised in the 1990s in Scotland. We still have all the original share certificates. They have never been touched and should have been paying out dividends over…
New mortgage application after changing property
Hello I wonder if anyone can assist me , I received a mortgage offer from Santander in dec 24 however my dream home went on to the market and my offer was accepted , I withdrew my offer from previous property and I am waiting for decision of new application due to property change . LTV is better with more deposit and less…
Scottish Council Tax Assessor reclassed my self-catering flat from business to CT
I run a self- catering holiday flat in my granny flat that is in my extension and it relates to my required declaration to prove i was trading as a self-catering holiday accommodation. I have my full Short Term Let License. They are now trying to put my granny flat into the Council tax, although I am still trading?. The…
Van repairs worth more than it is worth - and it's still on finance
I have a van which I no longer require and intended selling. However, it has failed it's MOT and the cost of the repairs come to more than the value of the vehicle, and there is still around £800 owing on finance. The idea of scrapping it was a consideration, but do I have any alteranatives given that I still owe…
Removal of charge from secured loan
Hi, looking for advice on how to remove a charge on my property from an old secured loan. Loan was repaid around 12 years ago, lender went in to administration and no documents available to confirm it was repaid. Have tried contacting liquidators and new owners, no one has any details to verify this, looking to sell…
Scottish Budget 2024: Income Tax and benefits changes confirmed – here's what they mean for you
Scottish Finance Secretary Shona Robison has announced changes to Income Tax thresholds, benefits and Stamp Duty in the Scottish Budget. We've rounded up the key changes and what they mean for you. Read the full story: Scottish Budget 2024: Income Tax and benefits changes confirmed – here's what they mean for you If you…
Alcohol laws Scotland - Incorrect Pricing
Hello all, A handful of times over the last year I've been given what seems like a scripted response to asking stores to change the price of alcohol. To clarify, this is when there is an advertised price in store, but at checkout the price is more expensive than the ticket on the shelf. "Due to licensing laws we're unable…
Landlord Building insurance
Hello i own a flat in a tenement building. I have been with the same insurer for 3 years and when I renewed in March I informed them of investigation works taking place in the main stair and all flats due to a crack in main pipe. My insurers took a note and said to call to make a claim when needed. in Oct following updated…
Gifting tax free Annual Exemption.
I have two nieces and would like to gift them each £3000. As the tax free Annual Exemption is £3000 and I never used last year's Annual Exemption of £3000, can I gift them each £3000 without any tax implications this tax year 2024/25.
Housing Factors Solicitor's Conflict of Interest
My housing factor (Scotland) have had a solicitor ‘re-interpret’ our developments title deeds. The ‘re-interpretation’ to the title deeds is claiming that water ingress from one flat into another flat is now deemed communal and should be split amongst all homeowners in three blocks instead of being split between the two…
Council Tax Scotland
Hi, I pay council tax on a property I own in Clackmannanshire. I Iam currently renting a flat in Edinburgh. Do I need to pay full council tax on the Edinburgh flat I am renting?
Interest only mortgage
Hi, I am looking for advice/help. My Grandfather has recently been taken to hospital and we are looking to get him a care home. He owns his own house he purchased this in 1999 for just under £17.000 he got his mortgage from Halifax as interest only, we are now getting told by my aunt who has power of attorney that he now…
Mortgage
Hi, Nationwide here. We've received your mortgage application. If you're an existing customer switching to a new deal, your switch has been accepted. What this mean? I have been accepted?

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MSE News

Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What savers should be doing now
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.

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