-
NHS pension
I have accepted an NHS job offer, and one of the questions on the starter pack says: 'Do you have any previous pension rights that you might be interested in transferring into the NHS pension scheme?' I would like to know what this means. As I have an old work pension (non-NHS on the Scottish Widow platform) and I was also…
-
EES - Athens
Anyone have any experience on how the Greek systems are coping with the new EES system? We are flying into Athens in September and hope that we do not have a repeat of the three-hour delay we had in Barcelona recently.
-
Car hire CDW
We hired a car at Malaga. Took photos of the damage to the car before we took it. We didnt think we needed to pay their upselling insurance which was about 400 euros. On return there were two new "dings". We hadnt done anything and they werent on my photos so hadnt happened before hire. They have kept all of the excess CDW…
-
Unable to sign in to outfox.energy
For 3 days now, I've been unable to sign in to my Outfox Energy account, whether through a link from their email to me, or starting from scratch (which includes using 2 different browsers on my laptop, or trying it on my phone). I click on the "Sign In" button, and I get a tab titled "Customer Portal", with the appropriate…
-
Working out house tenants in common share for inheritiance tax or probate.
HMRC's IHTM15082 says the share in a tenants in common house is proportional to the money they put in. So how do you figure out the deceaced share 40 years after purchase with no deeds as its registered at the land registry only showing Form A restriction wording.
-
Advice for ISA for wife
Hi, my wife is thoroughly pee'd off with Aviva since switching her pension to them, they seem spectacularly unable to take her direct debits every month. So she's decided just to leave that pension as it is with no further contributions and set something else up instead. She's 56 and this will go towards retirement, but…
-
Self-employed+ one-off job - which P46 option?
My accountant's office is closed so I can't ask them, but I need to complete a P46 this weekend for a one-off temporary job. I will only earn around £300. I am self-employed but am unsure if my earnings will be above the personal allowance this year, as I may have a loss that can be carried over. (Probably the wrong terms,…
-
First Time Buyer
Hello, I currently have a Help to Buy ISA l. I am looking to buy my first property next year with my partner. However, my partner already has a mortgage so would not qualify as a first time buyer. I am wanting to know whether I would still be classed as a first time buyer if we were to purchase a property together? I am…
-
Lebara deal ended - £1.30 MSE price going up to £4.90 tomorrow - call them? Or switch to Talk Home?
I got caught short - the £1.30 MSE deal for 5 GB plus unlimited minutes from Lebara is going up to £4.90 tomorrow - I didn't realise they don't alert you in advance about the upcoming change Do Lebara haggle? If so - how do I call them? I've never had the need for any interaction If not / or if they don't budge - then…
-
Refund for booking made in MH crisis
Hello, I booked a £200 hotel room whilst a sectioned patient in hospital & now, though still in hospital, with a bit more clarity I would like to claim it back. It was with Travelodge & a friend has contacted customer service for me but they take days to respond to each message. (I have filled out the form to give…
-
Forum Highlights 17th Jul: Electric cars, long-haul flights & weed-covered patios
This week MoneySavers have been seeking and sharing tips for dealing with problems around the home and garden – as well as planning for long-distance summer travel. Let's explore some of this week's MSE Forum talking points. https://www.moneysavingexpert.com/team-blog/2026/07/forum-highlights-17-07-2026/ Seen something on…
-
How do I make an "interactive" PDF - NON-interactive ?
I have tried "printing it TO" my desktop - but this doesn't make any difference - it is STILL editable (interactive) - there must be a way ?
-
Enterprise say they have issued refund several times but not received it.
Hi, Hired a car from Enterprise mid April and returned it with full tank of petrol. Received an email shortly after with a charge of £128 for not filling the tank. Went round to branch, showed them the receipt and they agreed to refund but I did not receive it. Complained again, same outcome. Now three months later and…
-
TV 'Dirty Screen' marks?
I have a 5 year old LG LG-OLED55C14LB TV purchased with a 6 year warranty from Richer Sounds. It has developed what I describe as dirty marks on the picture. These are not really noticeable unless there is a large area of colour such as the green pitch of a football game. Richer Sounds say it is screen burn. I accept that…
-
Nest pension
Hi, I am 58 and not sure how long I will be working at my current job as partners are likely to retire in a couple of years. I currently pay 5% and employer 3% into nest pension. I also add a small lump sum of £40 each month separately. I am wondering whether its worth really increasing my contribution to say 11% -…
-
PCM Parking fine
Hi All we received a parking fine in the carpark of which we are residents in we were waiting for our permit to arrive and received the fine on the same day as the permit arrived technically we paid for the permit before it arrived so it was active at the time but not displayed as yet. PCM rejected our appeal initially and…
-
Lowel discount offer advice
hi all lowell have sent me a letter. Offered me a 70% discount. Should I do this? As it says on the letter will affect my credit score more as will only show as partially paid? Or just continue with payments? any help/ advice would be much appreciated
-
Online advert scam
I recently saw an ad for a lightweight walking pad, from a company called Walkipad. I paid £76 and when the order was confirmed it said delivery would be a few days. When nothing happened and the SHOP app showed "waiting for details" I queried it by email. Two days later I got an answer saying delivery would soon. I asked…
-
Santander £180 current account switch
The Santander £180 current account switch requires you to pay in £1,500. Looking at the ts & cs, I can't see any requirement to keep that money in the account for a certain period of time but thought I'd double check here. They have some wording about not paying if you abuse the switching offer. Would that include paying…
-
My gutter is leaking
I live in a terraced house (which we own) and my neighbour's landlord has been in touch to say that the tenants next door have a damp problem in their bedroom. The landlord has written to us by recorded delivery (but not given her name and address) saying that her 'tradesman' has looked at the issue and has found that…
-
Decent ISA rate and customer service??
I am with 212 for cash isa and in the last 3 months Santander. I find the latter impossible to speak to. It's all automated and I've been trying for 3 days to speak to a human. In regard to 212 I am trying to move out partial ISA money and they keep saying they have not received it(isa transfer request). I am at the point…
-
Private Parking CCJ
Hello! I’m looking for some advice please. In 2023 I received a parking charge from Britannia Parking Group Limited. I had disputed it with the claimants legal representation. They claim I did not pay, and whilst I did not keep the original ticket, I can provide a bank statement showing payment to the parking operator,…
-
localpensionspartnership.org.uk - Who are they?
I have received an email from the lppa (as they call themselves), but am unsure whether they are an independent organisation regarding my previous local government contracts, or a private company looking to invest such in their interest (I have had brown envelopes with "official" letters about my pension previously from a…
-
Deed of Variation
I am posting this to clarify the 2 year rule. I and my sister inherited a house from my father who died 3 years ago. I am the executor of his will. I have the probate of my father. The house is still in his name. My sister, who was married with no children, died 6 months ago with no will. Information obtained from Land…
-
Low Standing Charge tariff
My Octopus fixed tariff for gas and elec ends in a few days. I am being offered a new fixed rate, flexible tariff or low standing charge tariff. Based on their calculations, the fixed low standing charge is about £7 pm cheaper than the normal fixed rate. I live alone in a 2 bed flat with gas heating. If I go for the low…
-
correct an estimated bill or not
I received an estimated bill from Thames Water which was very underestimated. Should I correct this by sending in a reading that I have taken? It does say in the bill that this will be corrected next time by a reading. Their estimate was 1278 and my reading was 1347 (because I have had a relative staying with me etc)
-
Help MTD - Software - Bank or Spreadsheet ?
My accountant is retiring this year and its the first that I have to submit my files through MTD so getting really stressed . I only sell around 10 - 20 items a month ( a lot less recently ) so not too sure of the best software to use so currently using 1 - Starling bank app - I have itemised all my figures etc sales /…
-
Ebay - Simple delivery - Buyers fee need to be included on a tax return ?
A bit of advice please. My neighbour has been told that he needs to submit a self asseement for his ebay sales for the last year , problem is he has been using a Personal account ( now changed to business ) . I have given him the spreadsheet I use for my accounting but he is not too sure what gross figures to include from…
-
will signatory
I've been told that a witness to my will must be someone who knows me personally. Is this right? I always thought that, for example, a solicitor's clerk could be a witness.
-
Mears Failure to Deliver Vacant Possession
I'm having issues getting my property back after giving them the required notice. 17 January 2024 • Lease entered into between the Claimants and Mears Housing Management Ltd. • Lease term: 2 years plus 14 days. 1 December 2024 • Glenroe Living Ltd subsequently stated that the lease had been assigned/transferred from Mears…
-
Vauxhall Grandland Cam chain recall disaster
Received a recall letter in January saying the cam chain fitted was inferior and subject to snapping prematurely. Took the car to Evans Halshaw, York where the vehicle was out of my sight for 30 minutes during which time they advised they had checked the chain and changed the oil. Fast forward to June and 3k miles later…
-
Copeland Street Derby. Defence needed
Edited to remove email address
-
Civil Enforcement Ltd PCN for a vehicle I've never owned at a place I've never heard of or been to
Hi all, In Jan 2026, I received letter before action for a PCN from a parking company. The registration plate was one I do not recognise, have never owned/driven etc. The incident was from December 2020, and on the opposite end of the country to me - in a location I've never heard of/been to. (I'm in Midlands, England, the…
-
Loan guarantee
Good morning. I ran the eligibility check on the website to see if I qualify for a loan. Got given a 8.4% APR, but I had to click car purchase as an option. Agreed to it, went ahead and on the lender's website, there was an option under 'Other' of 'Purchase another vehicle'. I am getting the loan to buy a motorcycle. My…
-
NatWest £30 cashback
I've a NatWest 0% interest purchases card. The 0% expires next month, and I'm going to pay it off before then. I've just had an offer of £30 Cashback if I spend £600 - £300 per month, in the next two months. It looks like a targeted offer, but worth watching out for in the app.
-
Has Anyone Else Found It Harder to Get a Personal Loan Recently?
Hi everyone, I'm just wondering if anyone else has noticed this recently. A friend of mine was looking for a fairly small personal loan. They have a steady income, no missed payments, and weren't asking to borrow a huge amount, but they still found it much harder than expected to get approved. It got me thinking whether…
-
Old Style Daily Friday 17 July 2026
Morning all.
-
Succession act Scotland
Hi can anyone tell me why you are advised by deceased's lawyers to seek independent legal advice regarding entitlement to a share of a parents estate under the Succession Act in Scotland? Also, if sought, would there be charges for that legal advice and if so roughly how much? The inheritance is likely a small amount of…
-
Does Increasing pension contributions reduce tax.
I'm hovering around the 40% tax bracket due to full time income and personal pension currently paying £12K per year. Through my employer I am paying into a pension which I will draw at the age of 68 (15 yrs time) at present my taxable allowance is on my pension and I am paying 20% income tax on my full time income. If I go…
-
Debt collection help
I have received a couple of letters from Moorcroft with the following paragraph; We have been trying to contact you to help you pay back your outstanding balance, but your account remains, to date, unpaid. We can confirm that in order to prevent the registration of a default in relation to this account our client will…