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Fuse Energy - Warm Home Discount Scheme?
Do you know if Fuse Energy is part of the Warm Home Discount Scheme? I'm on the lookout for a new fixed-rate electricity contract since my tracker deal with Octopus just finished. I'm hoping to find a supplier that offers this scheme, or maybe there are other companies out there with solid fixed contracts?
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Boots Advantage Card
Asking other MSErs that use Boots - do your Advantage Card points allocations make sense? Its supposed to be a straightforward calculation but I am tired of calling Boots to revise this. To be fair, they do adjust when they realise the error but recently I had an interaction that was the equivalent of "the Advantage card…
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Local Council SAR Request Refusal to Provide Correct Information
I am pursuing legal action and a tribunal appeal against my council for multiple issues. As part of this I made a SAR request for copies of all communications and records they had on my account. This included a bundle of empty tiff files that handnt been uploaded properly. I email them to explain they are empty (0kb,…
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VAT added onto final invoice
I'm after advice please. We have had some work done at our house which included taking 2 load bearing walls down, installing steels, installing a new kitchen etc. We went with a builder who dealt with everything and sent an email quote for the work split into 4 parts to be paid in stages. Stripping out old kitchen, taking…
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Ticket for not parking in marked bay - Have a Nice Car Park Ltd
Hi all, I’d appreciate some advice before I submit an appeal against a private parking charge - I'm not new to this and have contested many tickets in the past, I've read the Newbie thread. The PCN alleges "Out of marked bay.” The car was parked for around 16 minutes in an area of the car park next to a betting shop. This…
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British Gas switch date choice
Hi Looking to put my dad and myself on the British Gas tracker tariff as a temporary measure hoping lower fixes may become available in the near future. Both of us are still on good fixes until early Sept. Do British Gas allow you to choose a switch date? Many thanks
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I’m being chased for £170 over a disabled parking bay
I was transporting people I support who have significant disabilities, including autism and learning disabilities. I parked in a disabled bay with a genuine, valid Blue Badge. To the best of my knowledge, I displayed it properly, but it seems it may have slipped or fallen out of view afterwards. The parking company says…
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Significant changes to permitted development planning rules
On 27/8/2026, the permitted development right permitting the installation of solar equipment on a house, block of flats or building within the curtilage was updated. A couple that stood out: In the case of plug-in solar, any part of the solar equipment should not be installed on a wooden wall, balcony or enclosure, or any…
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British Gas fixed Tariff Estimated Usage.
Hi all, just wondering on people thoughts, about what I am seeing on my account with British Gas. I fixed my Energy Tariff with BG back in June it is the Longer Fix Apr28 v2 The estimated usage when I signed up for the Tariff showed £2452 yearly. Since signing up If I look at my tariff on BG website it is showing me…
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POPLA appeal rejected - Hilton hotel T2 - Euro Car Parks
I would appreciate advice on two Euro Car Parks PCNs issued at a hotel drop-off/short-stay area at Heathrow Terminal 2. Sequence of events: Two separate PCNs were issued by Euro Car Parks for the same vehicle at the same Heathrow hotel drop-off/short-stay location. The allegation in both cases was “parked without a valid…
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Failed repair advice
I need some legal advice on where I stand and what I need to do next. For context, an elderly family member walked past a high street shop that was offering quick phone repairs as they needed a replacement battery for an iPhone. They were told it would take a few days or a week but it took around a month for it to be…
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Very hot CPU on laptop.
Hi. I've been given a neat wee HP Pavilion laptop (14-ce3501na) to wipe for its new owner. It's immaculate, and looks little used. Reset seemed to work fine, but I was aware that the fan was very noisy, and ran for much of the time at high speed - wife complained bitterly. Anyhoo, when setting it back up for the new owner…
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Annuity quotes
I got a quote through HL. I'm not sure whether to go the annuity route or not, I'm just looking into it. It would use the money in the HL sipp. The highest single life, no increases, no guarantee figures are Just. £9374 L and G £8654 Scottish Widows £7581 Aviva £7105 So, there's quite a variation. I'm not sure why anyone…
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Trainpal app hidden charges
Trainpal say there are no booking fees on their mobile app, so you would expect the price you pay would be the same as the total price of all the split tickets. Not so! I was charged £6.80 on top and when I queried this they said "It's a Service Fee not a booking fee" Deceitful or what?
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Refund of account credit
Hi, are there any rules/best practice guidelines for energy companies on refunding all (or part) of their customers’ credit balances? My experiences vary from EDF who were happy to adjust a direct debit and refund part of a credit balance to Ecotricity who would only refund by billing for the period up to your request and…
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just making sure I have it correct before pressing send
Hi, brief outline…… I had a BIG surprise birthday and my family travelled to be with me. We all met up in the Beefeater on the Sunday for breakfast. I think there were 5 cars. Every one of us has had a ticket from Horizon. Unfortunately most have paid it. Apparently we should have registered when we went in but not one of…
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O% credit cards
Hi. Hope not too silly a question but unable to find the answer by googling or using AI. I am dyslexic with figures. I don't have a credit card (never use them) and thinking of applying for a 0% long term one - to use occasionally to hire a car (they often ask for a large refundable deposit) or, an emergency where my bank…
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MSE Forum Poll: How often do you check out yellow sticker items in supermarkets?
Reduced-to-clear items can be a beacon of MoneySaving when it comes to your grocery shop, but just how regularly do you seek out the yellow sticker goods when ambling down the aisles? Vote in the poll then share your thoughts in the thread.
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Current Sky Broadband deal sign up problems
At the moment MSE is offering a deal on gigafast fibre broadband with sky for £28 per month with a £140 voucher that you need to claim. You can actually see the £28 deal on the Sky website too, obviously without the voucher. However, every time I try to sign up either via the MSE link or on the sky website itself I get…
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Low Earner's Pension Payment - the snail approaches its destination
Back in the 2021 budget the government announced it would tackle the low earners net pay scheme tax anomaly, now called the Low Earner's Pension Payment. The anomaly was that low earners in a 'net pay' scheme (i.e a workplace pension scheme used by many employers where pension contributions are deducted from your salary by…
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Train ticket refund for abandoned journey due to delay
Looking at this national rail page https://www.nationalrail.co.uk/help-and-assistance/compensation-and-refunds/ it states: If your train is delayed or cancelled and you choose not to travel or are unable to complete your journey, your unused ticket can be refunded without any fees by the original retailer But I can't find…
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DCBL letter of claim
Hi I'm looking for advice. I recently received a letter of claim after receiving a letter of notice, for 3 parking tickets roughly in the same location from 3 years ago asking for £485. I no longer have the accused vehicle. I never received a PNC for any of the parking fines and when I asked for proof that they did, they…
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DCBL Notice of discontinuance
Hi all, Have been reading the forum for the past year and I am greatful for all the information posted here. i did not post here before, just followed the advice on the Newbies thread. My case was going to court on the 7th of September, but DCBL discontinued on the 25th, a day after the deadline to pay the court hearing…
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New Car - Private plate advice
Hi I have had my plate a number of years but this time I am struggling to figure out what to do. My current vehicle was bought new and I applied my plate to the vehicle at first registration, it is also screwed into the vehicle. I am replacing the vehicle with another new car which will be a 76 plate so awaiting its…
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Link Threatening Legal Action
Have a debt for around 7k that has made its way to Link. I changed bank accounts and closed off the one that was used to.pay Link. Correspondence received stating repayment plan that I had in place cancelled due to this. I have emailed Link twice to explain situation and saying happy to set up payment plan again on same…
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O/S Daily Thursday August 27 2026
Good morning all.
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LGPS AVCs SIPPs
Thanks to encouragement and sound advice from the lovely people over on the how much to live on thread, I have decided to retire sometime between now and April 2027 next year aged 61. I already have a DB pension in payment, I pay tax on this via a BR tax code. I work part-time, earning £15Kpa and will take my small LGPS…
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Easiest bank for overdraft
What banks offer an overdraft with easy eligibility? Thanks
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Unsure what to do, octopus nov 26
our fixed tariff comes to an end November, do I fix now .. octopus have a 18 month fix, but looking at all of the energy prices, they all though the roof prices.
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Another Solar Thread
Evening all I've had three quotes back from some providers recommended by Solar Sherpa, and I'm trying to get some feedback from people on the system, the equipment, battery sizing and of course the costs! All three systems have 28 panels - 12 facing SW and 16 facing NE. Average daily use is around 35kw. 4 bedroom house in…
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Vaillant boiler service options
I have a Vaillant combi boiler that is probably 8 or 9 years old now (out of guarantee). I had it serviced during the guarantee period but now need to decide how to continue with its servicing. Vaillant's fixed price service for £139 states it includes "comprehensive checks such as combustion analysis, gas safety…
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RAC Failure to Respond or Attend Breakdown
Hi all, Hoping for your opinions on an RAC member situation (complaint in progress). Thanks in advance. My partner and I broke down in a live lane of a dual carriageway on an exceptionally busy traffic day - a Saturday. Hazards on, exited car to the safest location possible. A very dangerous scenario. Contacted insurer…
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2025/26 Self assessment Underpaid tax
Apologies for the long post but I have questions regarding the underpaid tax section please and advice would be appreciated please to ensure my understanding is correct For 2025/26 I received 3 tax code notices (P2). Jan 25 tax code notice for 2025/26 stated I owed £927 tax from earlier year 2 February 2025 tax code notice…
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Store refund policy
Hi all, My wife bought me a jacket on Saturday for my birthday that's in 2 weeks time.but I didn't like it. I tried returning it today with all the original tags, not worn and the receipt but was told that they only give a credit note or exchange and not a refund. One of the ladies who I spoke to said there was a refund…
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Lifestyle Vouchers gone out of date
Hi, I earned a significant amount of these vouchers as a reward in another job. When I changed jobs, I forgot about them for a while. When I went back to check my account, the value was zero and the vouchers were marked as gone out of date. I chased this with Lifestyle and thankfully they said they could recover them, but…
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Spotify Basic legacy subscription of £10.99 per month - stick or move to YouTube Music??
Hello Martin, I have a dilemma which I would like you and your MSE savers to weigh-in what I should do. I have been a Spotify Basic Premium subscriber that is worth £10.99 before they rose prices to 11.99 and subsequently 12.99. I stream a lot of music on my commutes, something like 35,000 listening minutes a year. The…
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Halifax to Lloyds and 8% regular saver
I've just switched my Halifax credit card to the Lloyds app and thought I'd look at what savings accounts might be available and there seemed to be a regular saver account for up to £250 per month paying 8% for the first 12 months. I've applied and hopefully the offer will hold true.
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Amending trust of deed form 90/10 split to 50/50
Hello. How easy is it to amend a trust of deed between two people not married from 90/10 to 50/50. I believe there is no mortgage on it or a very small one. According to ai they can do it for free by printing out forms and having a witness signing it . But i doubt that. Also how much would a solicitor charge for this…
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Charter Savings Bank cash ISA account opening - not.
Just a cautionary tale regarding the hoops unsuccessfully jumped through attempting to open a cash ISA with Charter Savings Bank. Last week, my wife decided to move her cash ISA from Moneybox to Charter Savings Bank for reasons of interest rate. Filled in the online form stating that she wished to transfer an existing ISA,…
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CEL (in-house) Claim letter - Failed to obtain a permit in accordance with the notified terms
Hi All, Issue date: 5th August 2026 This is for a hospital car park near Hull where my wife had an appointment, she complained to the Dr's but didn't even receive a response so we are now at this stage. Additionally, can't recall if she purchased a ticket and it expired or didn't purchase one at all. AoS has been filed.…