/* * These styles apply ONLY to the header and footer assets. */ * { padding: 0; margin: 0; box-sizing: border-box; } a { text-decoration: none; } ol, ul { list-style: none } h1 { font-family: 'museo_slab700' !important; } .screen-reader-only { position: absolute; height: 1px; width: 1px; clip: rect(1px, 1px, 1px, 1px); clip-path: polygon(0px 0px, 0px 0px, 0px 0px); -webkit-clip-path: polygon(0px 0px, 0px 0px, 0px 0px); overflow: hidden !important } .mse-masthead .mse-header { position: relative; z-index: 9; box-shadow: 0 6px 16px 0 rgba(39, 49, 86, 0.2) } .mse-masthead .mse-header__container { position: relative; width: 100%; padding-right: 15px; padding-left: 15px; margin-right: auto; margin-left: auto } .mse-masthead .mse-header__top-nav { background: #273156; box-sizing: border-box; height: 37px; position: relative } .mse-masthead .mse-header__top-nav ul { margin: 0px } .mse-masthead .mse-header__top-nav li { list-style-type: none; float: right } .mse-masthead .mse-header__top-nav a { display: block; box-sizing: border-box; padding: 0 24px; height: 37px; line-height: 37px; color: #fff; text-decoration: none; font-size: 14px; border-left: 2px solid #4f5572 } .mse-masthead .mse-header__more-menu { display: none } .mse-masthead .mse-header__title-area { padding: 10px; background-color: #f6f6f6; /*max-width: 545px;*/ } .mse-masthead .mse-header__title-area .martin-image-wrapper { margin-left: 6px; margin-right: 10px } .mse-masthead .mse-header__title-area .martin-image-wrapper__image { display: block; width: 40px; height: 49px; font: 0/0 a; color: transparent; text-shadow: none; border: 0; background: transparent no-repeat bottom/contain; background-image: var(--martin-image, url(https://cdn.moneysavingexpert.com/masthead-and-footer/masthead/static/images/martin-mobile.png)); } @media only screen and (max-width: 1199px) { /* Curve logo bottom on mobile */ .mse-masthead .mse-header__title-area .martin-image-wrapper__image { border-radius: 0 0 50% 50%; } } .mse-masthead .mse-header__title-area .stamp-image-wrapper__image { display: block; width: 40px; height: 49px; font: 0/0 a; color: transparent; text-shadow: none; border: 0; background: transparent no-repeat center/contain; background-image: var(--stamp-image, ('data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAFgAAABqCAQAAACSLl4ZAAAAY0lEQVR42u3OMQ0AAAwDoNW/6V0V0QQUkBsTYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWHhepsiAGuRvxeAAAAAAElFTkSuQmCC')); } .mse-masthead .mse-header__title-area .stamp-image-wrapper { margin-left: 10px; margin-right: 6px } @media screen and (max-width: 480px) { /* Hide stamp on smallest mobile */ .mse-masthead .mse-header__title-area .stamp-image-wrapper { display: none; } } .mse-masthead .mse-header__logo__title { display: block; width: 222px; height: 35px; font: 0/0 a; color: transparent; text-shadow: none; border: 0; background: transparent no-repeat bottom/contain; background-image: var(--mse-logo, url(https://us-noi.v-cdn.net/6031903/uploads/editor/f3/j9s4wzotktc5.png)); } .mse-masthead .mse-header__logo__subline { font-size: 10px; color: #666; display: none; } .mse-masthead .mse-navigation { position: relative; width: 100% } .mse-masthead .mse-navigation__hamburger-btn { display: block; width: 28px; height: 19px; margin: 0px auto 0px 0px; background: url(https://cdn.moneysavingexpert.com/masthead-and-footer/masthead/static/images/top-nav-mobile-menu-hamburger.png); background-size: contain; background-position: center; background-repeat: no-repeat } .mse-masthead .mse-navigation__search-btn { display: block; box-sizing: border-box; padding: 0 24px; height: 37px; line-height: 37px; text-indent: -9999px; width: 76px; position: relative; border-left: 2px solid #4f5572; -webkit-transition: background-color 0.5s ease-in-out; transition: background-color 0.5s ease-in-out } .mse-masthead .mse-navigation__search-btn::before { background-image: url(https://cdn.moneysavingexpert.com/masthead-and-footer/masthead/static/images/search-icon-v2-focus.svg); background-size: contain; background-position: center; background-repeat: no-repeat; content: ""; display: inline-block; width: 28px; height: 28px; margin-top: 5px; position: absolute; top: 0px; left: 20px } .mse-masthead .mse-navigation__search-btn:hover { text-decoration: underline; cursor: pointer } .mse-masthead .mse-navigation__nav-footer { background: #273156; padding-bottom: 12px } .mse-masthead .mse-navigation__section, .mse-masthead .mse-navigation__section--arrow, .mse-masthead .mse-navigation__section--arrow--top, .mse-masthead .mse-navigation__section--footer { display: block; padding: 16px 5px; margin: 0 9px; border-bottom: 1px solid #e6e6e6; color: #273156; font-size: 16px; text-decoration: none } .mse-masthead .mse-navigation__section--arrow, .mse-masthead .mse-navigation__section--arrow--top { position: relative } .mse-masthead .mse-navigation__section--arrow::after, .mse-masthead .mse-navigation__section--arrow--top::after { content: ""; display: block; width: 8px; height: 22px; background-image: url(https://cdn.moneysavingexpert.com/masthead-and-footer/masthead/static/images/chevron-1.svg); background-size: contain; background-position: center; background-repeat: no-repeat; position: absolute; right: 20px; bottom: 13px } .mse-masthead .mse-navigation__section--arrow--top { padding-top: 28px } .mse-masthead .mse-navigation__section--footer { color: #fff; border-bottom: 1px solid #4f5572 } .mse-masthead .mse-navigation #topnav { position: absolute; top: -4px; left: 0; background: #f6f6f6; -webkit-transform: translateX(-100%); transform: translateX(-100%); transition: -webkit-transform 0.5s ease-out; -webkit-transition: -webkit-transform 0.5s ease-out; transition: transform 0.5s ease-out; transition: transform 0.5s ease-out, -webkit-transform 0.5s ease-out; overflow-y: scroll; overflow-x: hidden; z-index: 8 } .mse-masthead .mse-navigation #topnav>div { margin-left: -15px; margin-right: -15px } .mse-masthead .mse-navigation__trigger:checked+#topnav { transition: -webkit-transform 0.5s ease-out; -webkit-transition: -webkit-transform 0.5s ease-out; transition: transform 0.5s ease-out; transition: transform 0.5s ease-out, -webkit-transform 0.5s ease-out; -webkit-transform: translateX(0); transform: translateX(0); max-width: initial } .mse-masthead .mse-navigation__trigger:checked+.mse-navigation__hamburger-btn { height: 28px; background-image: url(https://cdn.moneysavingexpert.com/masthead-and-footer/masthead/static/images/close-icon-v2-hover.svg) } .mse-masthead #mse-search { position: absolute; top: 37px; left: 0; max-height: 0; min-height: 0; padding-top: 0; padding-bottom: 0; background: #f6f6f6; -webkit-transition: max-height 0.5s ease-in-out; transition: max-height 0.5s ease-in-out; overflow-y: hidden; z-index: 1 } .mse-masthead .mse-search__form { position: relative; width: 100%; height: 100% } .mse-masthead .mse-search__input { position: relative; width: 100%; height: 48px; padding: 14px 16px; margin: 9px 0 13px; border: 1px solid #DDD; background: #fff; border-radius: 4px; box-shadow: 0 2px 8px 0 rgba(44, 86, 167, 0.2); -webkit-transition: border 0.5s ease-in-out; transition: border 0.5s ease-in-out; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; letter-spacing: 0; font-size: 14px; -webkit-appearance: none; -moz-appearance: none; appearance: none; border: 0; outline: none } .mse-masthead .mse-search__input:focus { border: 1px solid #2c56a7; color: #273156; outline: #2c56a7 } .mse-masthead .mse-search__input:focus+.mse-search__submit-btn { background-image: url(https://cdn.moneysavingexpert.com/masthead-and-footer/masthead/static/images/search-icon-v2-focus.svg); background-color: #273156 } .mse-masthead .mse-search__submit-btn { font: 0/0 a; color: transparent; text-shadow: none; background-color: transparent; border: 0; position: absolute; top: 33px; right: 0; display: block; width: 54px; height: 48px; background-image: url(https://cdn.moneysavingexpert.com/masthead-and-footer/masthead/static/images/search-icon-v2.svg); background-position: center; background-repeat: no-repeat; background-color: #DDD; -webkit-transition: background-color 0.5s ease-in-out; transition: background-color 0.5s ease-in-out; -webkit-transform: translateY(-50%); transform: translateY(-50%); border: 0; outline: 0; cursor: pointer; border-top-right-radius: 4px; border-bottom-right-radius: 4px } .mse-masthead .mse-search__trigger__label { display: none } .mse-masthead .mse-search__trigger:checked+#mse-search { max-height: 70px } .mse-masthead .mse-search__trigger:checked+.mse-navigation__search-btn { background-color: #f6f6f6 } .mse-masthead .mse-search__trigger:checked+.mse-navigation__search-btn::before { background: url(https://cdn.moneysavingexpert.com/masthead-and-footer/masthead/static/images/close-icon-v2-hover.svg) } .mse-masthead .tip-signup-notification__success { background: #412570; color: #fff; font-size: 16px; font-weight: 700; line-height: 24px; padding: 18px 0; position: fixed; text-align: center; top: 0; width: 100%; z-index: 50 } .mse-masthead { font-family: sans-serif } .mse-masthead *, .mse-masthead *::before, .mse-masthead *::after { box-sizing: border-box } .mse-masthead .row { display: -webkit-box; display: flex; flex-wrap: wrap; margin-right: -15px; margin-left: -15px } .mse-masthead .no-gutters { margin-right: 0; margin-left: 0 } .mse-masthead .no-gutters>[class*="col-"] { padding-right: 0; padding-left: 0 } .mse-masthead .col-1, .mse-masthead .col-2, .mse-masthead .col-3, .mse-masthead .col-4, .mse-masthead .col-5, .mse-masthead .col-6, .mse-masthead .col-7, .mse-masthead .col-8, .mse-masthead .col-9, .mse-masthead .col-10, .mse-masthead .col-11, .mse-masthead .col-12, .mse-masthead .col, .mse-masthead .col-auto, .mse-masthead .col-sm-1, .mse-masthead .col-sm-2, .mse-masthead .col-sm-3, .mse-masthead .col-sm-4, .mse-masthead .col-sm-5, .mse-masthead .col-sm-6, .mse-masthead .col-sm-7, .mse-masthead .col-sm-8, .mse-masthead .col-sm-9, .mse-masthead .col-sm-10, .mse-masthead .col-sm-11, .mse-masthead .col-sm-12, .mse-masthead .col-sm, .mse-masthead .col-sm-auto, .mse-masthead .col-md-1, .mse-masthead .col-md-2, .mse-masthead .col-md-3, .mse-masthead .col-md-4, .mse-masthead .col-md-5, .mse-masthead .col-md-6, .mse-masthead .col-md-7, .mse-masthead .col-md-8, .mse-masthead .col-md-9, .mse-masthead .col-md-10, .mse-masthead .col-md-11, .mse-masthead .col-md-12, .mse-masthead .col-md, .mse-masthead .col-md-auto, .mse-masthead .col-lg-1, .mse-masthead .col-lg-2, .mse-masthead .col-lg-3, .mse-masthead .col-lg-4, .mse-masthead .col-lg-5, .mse-masthead .col-lg-6, .mse-masthead .col-lg-7, .mse-masthead .col-lg-8, .mse-masthead .col-lg-9, .mse-masthead .col-lg-10, .mse-masthead .col-lg-11, .mse-masthead .col-lg-12, .mse-masthead .col-lg, .mse-masthead .col-lg-auto, .mse-masthead .col-xl-1, .mse-masthead .col-xl-2, .mse-masthead .col-xl-3, .mse-masthead .col-xl-4, .mse-masthead .col-xl-5, .mse-masthead .col-xl-6, .mse-masthead .col-xl-7, .mse-masthead .col-xl-8, .mse-masthead .col-xl-9, .mse-masthead .col-xl-10, .mse-masthead .col-xl-11, .mse-masthead .col-xl-12, .mse-masthead .col-xl, .mse-masthead .col-xl-auto { position: relative; width: 100%; padding-right: 15px; padding-left: 15px } .mse-masthead .col-auto { -webkit-box-flex: 0; flex: 0 0 auto; width: auto; max-width: 100% } .mse-masthead .col-12 { -webkit-box-flex: 0; flex: 0 0 100%; max-width: 100% } .mse-masthead .order-1 { -webkit-box-ordinal-group: 2; order: 1 } .mse-masthead .order-2 { -webkit-box-ordinal-group: 3; order: 2 } .mse-masthead .order-3 { -webkit-box-ordinal-group: 4; order: 3 } .mse-masthead .d-none { display: none !important } .mse-masthead .d-flex { display: -webkit-box !important; display: flex !important } .mse-masthead .justify-content-end { -webkit-box-pack: end !important; justify-content: flex-end !important } .mse-masthead .justify-content-center { -webkit-box-pack: center !important; justify-content: center !important } .mse-masthead .justify-content-between { -webkit-box-pack: justify !important; justify-content: space-between !important } .mse-masthead .align-items-center { -webkit-box-align: center !important; align-items: center !important } .mse-masthead .align-self-center { align-self: center !important } /* Desktop ////////////////////////////////////////////////////////////////// /////////////////////////////////////////////////////////////////// /////////////////////////////////////////////////////////////////// /////////////////////////////////////////////////////////////////// /////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////*/ @media only screen and (min-width: 1200px) { .mse-masthead .mse-header { background-color: #f6f6f6; box-shadow: none } .mse-masthead .mse-header__container { width: 1150px; /* Was built with 1216px but causes scroll. if problem, try restore */ } .mse-masthead .mse-header__top-nav { height: 41px; position: absolute; top: 0px; right: 0px; background: #f6f6f6 } .mse-masthead .mse-header__top-nav a { padding: 0 20px; height: 41px; line-height: 41px; position: relative; color: #273156; border: none } .mse-masthead .mse-header__top-nav a::after { background: -webkit-gradient(linear, left top, left bottom, color-stop(0, #4f5572), to(#f6f6f6)); background: linear-gradient(to bottom, #4f5572 0, #f6f6f6 100%); filter: progid:DXImageTransform.Microsoft.gradient(GradientType=0, startColorstr="#4f5572", endColorstr="#f6f6f6"); content: ""; position: absolute; width: 1px; top: 0; right: 0; height: 100% } .mse-masthead .mse-header__top-nav a:hover { text-decoration: underline } .mse-masthead .mse-header__top-nav a.more-btn { padding-right: 34px } .mse-masthead .mse-header__top-nav a.more-btn::after { display: none } .mse-masthead .mse-header__top-nav a.more-btn::before { background: url(https://cdn.moneysavingexpert.com/masthead-and-footer/masthead/static/images/more-arrow.svg); background-repeat: no-repeat; content: ""; width: 8px; height: 8px; position: absolute; top: 19px; right: 20px } .mse-masthead .mse-header__top-nav a.more-btn.active::after { content: ""; display: block; height: 20px; width: 20px; position: absolute; top: 40px; right: 40px; -webkit-transform: rotate(45deg); transform: rotate(45deg); background: #f6f6f6; box-shadow: 0 6px 16px 0 rgba(39, 49, 86, 0.2) } .mse-masthead .mse-header__more-menu { position: absolute; min-width: 172px; top: 30px; right: 100px; background-color: #f6f6f6; padding: 0 16px; box-shadow: -2px 16px 18px 0px rgba(39, 49, 86, 0.2); border-radius: 5px; z-index: 2 } .mse-masthead .mse-header__more-menu ul { padding: 0; margin: 0 } .mse-masthead .mse-header__more-menu li { list-style-type: none; padding: 9px 0; margin-bottom: 0; border-bottom: 1px solid #e6e6e6 } .mse-masthead .mse-header__more-menu li:last-of-type { border-bottom: none } .mse-masthead .mse-header__more-menu a { text-decoration: none; color: #273156; font-size: 14px } .mse-masthead .mse-header__more-menu a:hover { text-decoration: underline } .mse-masthead .mse-header__more-menu.active { display: block } .mse-masthead .mse-header__title-area { padding-bottom: 0 } .mse-masthead .mse-header__title-area .martin-image-wrapper { margin-right: 16px; } /* >>> Desktop Martin */ .mse-masthead .mse-header__title-area .martin-image-wrapper__image { width: 88px; height: 106px; background-image: var(--martin-image, url('https://cdn.moneysavingexpert.com/masthead-and-footer/masthead/static/images/martin-desktop.png')); } .mse-masthead .mse-header__title-area .stamp-image-wrapper__image { width: 88px; height: 106px; background-image: var(--stamp-image, url(data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAFgAAABqCAQAAACSLl4ZAAAAY0lEQVR42u3OMQ0AAAwDoNW/6V0V0QQUkBsTYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWFhYWHhepsiAGuRvxeAAAAAAElFTkSuQmCC)) } /* >>> Desktop Logo */ .mse-masthead .mse-header__logo__title { width: 404px; height: 72px; background-image: var(--mse-logo, url(https://cdn.moneysavingexpert.com/masthead-and-footer/masthead/static/images/mse-logo-desktop.png)); } .mse-masthead .mse-header__logo__subline { font-size: 12px; line-height: 14px; margin: 10px 0; display: block; /* Only show subline on larger screens */ } .mse-masthead .mse-navigation { background-color: #273156 } .mse-masthead .mse-navigation__search-btn { width: auto; height: 41px; line-height: 41px; padding: 0px 40px 0 20px; text-indent: 0px; font-size: 14px; border: none } .mse-masthead .mse-navigation__search-btn::before { background-image: url(https://cdn.moneysavingexpert.com/masthead-and-footer/masthead/static/images/search-icon-v2.svg); width: 25px; height: 25px; top: 4px; left: 70px } .mse-masthead .mse-navigation__search-btn::after { background: -webkit-gradient(linear, left top, left bottom, color-stop(0, #4f5572), to(#f6f6f6)); background: linear-gradient(to bottom, #4f5572 0, #f6f6f6 100%); filter: progid:DXImageTransform.Microsoft.gradient(GradientType=0, startColorstr="#4f5572", endColorstr="#f6f6f6"); content: ""; position: absolute; width: 1px; top: 0; left: 0; height: 100% } .mse-masthead .mse-navigation__section, .mse-masthead .mse-navigation__section--arrow, .mse-masthead .mse-navigation__section--arrow--top, .mse-masthead .mse-navigation__section--footer { color: #fff; font-size: 14px; line-height: 16px; padding: 20px 0; border-bottom: none } .mse-masthead .mse-navigation__section:hover, .mse-masthead .mse-navigation__section--arrow:hover, .mse-masthead .mse-navigation__section--arrow--top:hover, .mse-masthead .mse-navigation__section--footer:hover { text-decoration: underline; color: #fff } .mse-masthead .mse-navigation__section--arrow::after, .mse-masthead .mse-navigation__section--arrow--top::after { display: none } .mse-masthead .mse-navigation__section--arrow--top { padding-top: 20px } .mse-masthead .mse-navigation #topnav { position: relative; top: 0; left: 0; background: #273156; -webkit-transform: none; transform: none; max-height: initial; overflow-y: hidden; height: auto !important } .mse-masthead .mse-navigation #topnav .no-gutters { padding-left: 0px; padding-right: 0px } .mse-masthead #mse-search { position: relative; top: 0; background: transparent } .mse-masthead .mse-search__form { margin: 0; border-radius: 15px } .mse-masthead .mse-search__input { border: 1px solid #2c56a7; color: #273156; outline: #2c56a7 } .mse-masthead .mse-search__submit-btn { background-image: url(https://cdn.moneysavingexpert.com/masthead-and-footer/masthead/static/images/search-icon-v2-focus.svg); background-color: #273156 } .mse-masthead .mse-search__trigger__label { display: block; max-height: 0px; width: 54px; background-color: #fff; color: #666; margin-bottom: 0px; border-radius: 4px; -webkit-transition: max-height 0.5s ease-in-out; transition: max-height 0.5s ease-in-out } .mse-masthead .mse-search__trigger__label::before { content: ""; background: url(https://cdn.moneysavingexpert.com/masthead-and-footer/masthead/static/images/close-icon-v2.svg); background-repeat: no-repeat; background-position: 12px 10px; display: none; width: 50px; height: 48px } .mse-masthead .mse-search__trigger__label:hover { cursor: pointer } .mse-masthead .mse-search__trigger__label:hover::before { background-image: url(https://cdn.moneysavingexpert.com/masthead-and-footer/masthead/static/images/close-icon-v2-hover.svg); -webkit-transition: background-image 0.5s ease-in-out; transition: background-image 0.5s ease-in-out } .mse-masthead .mse-search__trigger__label.active { max-height: 48px } .mse-masthead .mse-search__trigger__label.active::before { display: block } .mse-masthead .mse-search__trigger:checked+.mse-navigation__search-btn { background-color: initial } .mse-masthead .mse-search__trigger:checked+.mse-navigation__search-btn::before { background: url(https://cdn.moneysavingexpert.com/masthead-and-footer/masthead/static/images/search-icon-v2.svg); background-size: contain; background-position: center; background-repeat: no-repeat } .mse-masthead .col-lg-auto { -webkit-box-flex: 0; flex: 0 0 auto; width: auto; max-width: 100% } .mse-masthead .col-lg-7 { -webkit-box-flex: 0; flex: 0 0 58.33333%; max-width: 58.33333% } .mse-masthead .d-lg-none { display: none !important } .mse-masthead .d-lg-block { display: block !important } .mse-masthead .justify-content-lg-between { -webkit-box-pack: justify !important; justify-content: space-between !important } .mse-masthead .align-self-lg-end { align-self: flex-end !important } .mse-masthead .mse-header__title-area { max-width: 650px; } } /** Footer **/ .Container { margin: 0 auto; max-width: 1272px; padding-left: 18px; padding-right: 18px } @media screen and (max-width:768px) { .Container { padding-left: 12px; padding-right: 12px } } /* For Email Subscription box in footer.*/ form.SubscribeBox-form .Messages { display: none; padding: 5px 10px; margin: 5px 0; background-color: #eee; border: solid 1px #333; border-radius: 6px; width: 100%; text-align: left; color: #333; } form.SubscribeBox-form .Messages .Message.Error { color: #c62035; font-weight: 500; } .Footer { /* background:#fff; */ /* background: linear-gradient(180deg, rgba(242,242,242,1) 0%, rgba(255,255,255,1) 20%, rgba(255,255,255,1) 100%); */ color: #333; font-size: 14px; line-height: 1.5; padding: 18px 0 } .Footer a { color: #2c56a7 } .Footer a:hover { color: #125361 } .Footer .row { -ms-flex-align: center; -ms-flex-pack: justify; -ms-flex-wrap: wrap; -webkit-box-align: center; -webkit-box-pack: justify; align-items: center; display: -webkit-box; display: -ms-flexbox; display: flex; flex-wrap: wrap; justify-content: space-between; margin: -3px } .Footer .col { padding: 0 3px } @media screen and (max-width:768px) { .Footer .col { margin: 6px 0; text-align: center; width: 100% } .Footer .col:first-child { margin-top: 0 } .Footer .col:last-child { margin-bottom: 0 } } .Footer .col-copyRight { -ms-flex-pack: start; -webkit-box-pack: start; justify-content: flex-start } .Footer .col-logo { -ms-flex-pack: end; -webkit-box-pack: end; justify-content: flex-end } .Footer .col-copyRight, .Footer .col-logo { -ms-flex: 1; -webkit-box-flex: 1; display: -webkit-box; display: -ms-flexbox; display: flex; flex: 1 } @media screen and (max-width:768px) { .Footer .col-copyRight, .Footer .col-logo { -ms-flex-pack: center; -webkit-box-pack: center; justify-content: center } } .Vanilla-logo { height: 28px; opacity: .6; width: 120px } @media screen and (max-width:768px) { .Vanilla-logo { margin: 0 auto } } .Footer.MainFooter { padding-bottom: 0; padding-top: 20px } .Footer.MainFooter p { margin: 0 } @media screen and (max-width:960px) { .Footer.MainFooter { margin-bottom: 50px } } @media screen and (max-width:960px) { .UserLoggedOut .Footer.MainFooter { margin-bottom: 0 } } .FooterDisclaimer-section { margin-bottom: 20px } .FooterDisclaimer { font-size: 13px; line-height: 1.5em } .FooterDisclaimer a { font-size: inherit; line-height: inherit; text-decoration: underline } .FooterDisclaimer a:active, .FooterDisclaimer a:focus, .FooterDisclaimer a:hover { color: #003575 } .FooterDisclaimer-title { font-size: 20px; letter-spacing: -.5px; margin-bottom: 12px } .FooterDisclaimer-paragraph { margin: 0 0 12px } .FooterDisclaimer-listRow { display: -webkit-box; display: -ms-flexbox; display: flex; margin-bottom: 20px; margin-top: 15px } @media screen and (max-width:990px) { .FooterDisclaimer-listRow { -ms-flex-wrap: wrap; flex-wrap: wrap } } .FooterDisclaimer-listColunm { -ms-flex: 0 1 50%; -webkit-box-flex: 0; flex: 0 1 50% } @media screen and (max-width:990px) { .FooterDisclaimer-listColunm { -ms-flex: 0 1 100%; -webkit-box-flex: 0; flex: 0 1 100% } } .FooterDisclaimer-item { line-height: 1.5em; padding-left: 16px } .FooterDisclaimer-item:before { background: #666; border-radius: 100%; content: ""; display: block; height: 6px; left: -16px; position: relative; top: 12px; vertical-align: middle; width: 6px } .FooterTools { margin-bottom: 8px; margin-top: 20px } @media screen and (max-width:990px) { .FooterTools { display: none } } .FooterTools-title { line-height: 1.5; margin-bottom: 10px } .Footer-logo-img { display: inline-block; max-height: 21px; vertical-align: middle } .FooterTools-row { -ms-flex-align: stretch; -webkit-box-align: stretch; align-items: stretch; border-bottom: 1px solid #979797; display: -webkit-box; display: -ms-flexbox; display: flex } .FooterTools-row:first-child { border-top: 1px solid #979797 } a.FooterTools-link { -ms-flex: 0 1 25%; -webkit-box-flex: 0; flex: 0 1 25%; min-height: 90px; overflow: hidden; padding: 5px; position: relative; text-decoration: none } a.FooterTools-link:active, a.FooterTools-link:focus, a.FooterTools-link:hover { color: #fff } a.FooterTools-link:active:before, a.FooterTools-link:focus:before, a.FooterTools-link:hover:before { opacity: 1; right: -16px } a.FooterTools-link:before { -o-transition: all .3s; -webkit-transition: all .3s; bottom: 12px; content: ""; height: 62px; opacity: 0; position: absolute; right: -62px; top: auto; transition: all .3s; width: 62px } a.FooterTools-link>* { text-decoration: inherit } a.FooterTools-link:active, a.FooterTools-link:focus, a.FooterTools-link:hover { text-decoration: none } a.FooterTools-link:active>*, a.FooterTools-link:focus>*, a.FooterTools-link:hover>* { text-decoration: inherit } .FooterTools-link-title { font-size: 15px; line-height: 1.6em } .FooterTools-link-paragraph { font-size: 12px; line-height: 1.6em } .FooterTools-link.calc:before { background: url("https://forums.moneysavingexpert.com/themes/mse2/design/images/footer/premium-bonds-calc.svg") } .FooterTools-link.calc:active, .FooterTools-link.calc:focus, .FooterTools-link.calc:hover { background-color: #f67c21 } .FooterTools-link.ebay:before { background: url("https://forums.moneysavingexpert.com/themes/mse2/design/images/footer/ebay-local-deals.svg") } .FooterTools-link.ebay:active, .FooterTools-link.ebay:focus, .FooterTools-link.ebay:hover { background-color: #892199 } .FooterTools-link.club:before { background: url("https://forums.moneysavingexpert.com/themes/mse2/design/images/footer/credit-club.svg") } .FooterTools-link.club:active, .FooterTools-link.club:focus, .FooterTools-link.club:hover { background-color: #33d4a7 } .FooterTools-link.card:before { background: url("https://forums.moneysavingexpert.com/themes/mse2/design/images/footer/credit-card.svg") } .FooterTools-link.card:active, .FooterTools-link.card:focus, .FooterTools-link.card:hover { background-color: #22b1e7 } .FooterTools-link.energy:before { background: url("https://forums.moneysavingexpert.com/themes/mse2/design/images/footer/cheap-energy.svg") } .FooterTools-link.energy:active, .FooterTools-link.energy:focus, .FooterTools-link.energy:hover { background-color: #2495a2 } .FooterTools-link.travel:before { background: url("https://forums.moneysavingexpert.com/themes/mse2/design/images/footer/travel-money.svg") } .FooterTools-link.travel:active, .FooterTools-link.travel:focus, .FooterTools-link.travel:hover { background-color: #f0b902 } .FooterTools-link.deals:before { background: url("https://forums.moneysavingexpert.com/themes/mse2/design/images/footer/mega-shop-bots.svg") } .FooterTools-link.deals:active, .FooterTools-link.deals:focus, .FooterTools-link.deals:hover { background-color: #d32e36 } .FooterTools-link.income:before { background: url("https://forums.moneysavingexpert.com/themes/mse2/design/images/footer/budget-planner.svg") } .FooterTools-link.income:active, .FooterTools-link.income:focus, .FooterTools-link.income:hover { background-color: #8ec92b } .SubFooter { background-color: #273257; display: -webkit-box; display: -ms-flexbox; display: flex; min-height: 120px; padding-bottom: 20px; text-align: center } .SubFooter .Vanilla-logo { color: grey; margin: 10px auto; opacity: 1 } .SubFooter-navigation { font-size: 10px; font-weight: 700; line-height: 18px; margin-left: auto; margin-right: auto; max-width: 1110px; padding: 27px 0 15px; text-align: center } .SubFooter-navigation-link.SubFooter-navigation-link { color: #fff; display: inline-block; font-size: inherit; font-weight: inherit; line-height: 2.4em; padding: 0 10px; text-transform: uppercase } .SubFooter-navigation-link.SubFooter-navigation-link:active, .SubFooter-navigation-link.SubFooter-navigation-link:focus, .SubFooter-navigation-link.SubFooter-navigation-link:hover { color: #fff } @media screen and (max-width:990px) { .SubFooter-navigation-link.SubFooter-navigation-link { font-size: 12px; line-height: 2.7em; padding: 0 20px } } p.SubFooter-trademark.SubFooter-trademark { color: grey; display: inline; font-size: 13px; line-height: 1.5em; margin-bottom: 24px; text-align: center } @media screen and (max-width: 768px) { .footer-row { display: block; } .footer-col { width: 100%; text-align: center; margin: 6px 0; } .footer-col:first-child { margin-top: 0; } .footer-col:last-child { margin-bottom: 0; } .footer-col-copyRight, .footer-col-logo { justify-content: center; } .logo { margin: 0 auto; } } /** Footer /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// **/ .component { margin-bottom: 0; } .paragraphSystem:before { content: " "; display: table; } .paragraphSystem:after { clear: both; } .component-content { margin-right: auto; margin-left: auto; max-width: 1216px; position: relative; } .box.tip-box-spacing { margin-top: 40px; } .box.email-tip-mini-box-background { background-image: url(../../assets/img/backgrounds/background-mini-email-tip-box-desktop.svg); background-position: right; padding-top: 27px !important; padding-bottom: 16px !important; } .box.email-tip-box-background, .box.email-tip-mini-box-background, .box.weekly-poll-background { background-size: cover; } .component { margin-bottom: 20px; } @media (min-width: 768px) { .col-lg-1, .col-lg-10, .col-lg-11, .col-lg-12, .col-lg-2, .col-lg-3, .col-lg-4, .col-lg-5, .col-lg-6, .col-lg-7, .col-lg-8, .col-lg-9, .col-md-1, .col-md-10, .col-md-11, .col-md-12, .col-md-2, .col-md-3, .col-md-4, .col-md-5, .col-md-6, .col-md-7, .col-md-8, .col-md-9, .col-sm-1, .col-sm-10, .col-sm-11, .col-sm-12, .col-sm-2, .col-sm-3, .col-sm-4, .col-sm-5, .col-sm-6, .col-sm-7, .col-sm-8, .col-sm-9, .col-xs-1, .col-xs-10, .col-xs-11, .col-xs-12, .col-xs-2, .col-xs-3, .col-xs-4, .col-xs-5, .col-xs-6, .col-xs-7, .col-xs-8, .col-xs-9 { padding-left: 8px !important; padding-right: 8px !important; } } .col-lg-1, .col-lg-10, .col-lg-11, .col-lg-12, .col-lg-2, .col-lg-3, .col-lg-4, .col-lg-5, .col-lg-6, .col-lg-7, .col-lg-8, .col-lg-9, .col-md-1, .col-md-10, .col-md-11, .col-md-12, .col-md-2, .col-md-3, .col-md-4, .col-md-5, .col-md-6, .col-md-7, .col-md-8, .col-md-9, .col-sm-1, .col-sm-10, .col-sm-11, .col-sm-12, .col-sm-2, .col-sm-3, .col-sm-4, .col-sm-5, .col-sm-6, .col-sm-7, .col-sm-8, .col-sm-9, .col-xs-1, .col-xs-10, .col-xs-11, .col-xs-12, .col-xs-2, .col-xs-3, .col-xs-4, .col-xs-5, .col-xs-6, .col-xs-7, .col-xs-8, .col-xs-9 { padding-left: 4px !important; padding-right: 4px !important; } .col-xs-12 { width: 100%; } .col-xs-1, .col-xs-2, .col-xs-3, .col-xs-4, .col-xs-5, .col-xs-6, .col-xs-7, .col-xs-8, .col-xs-9, .col-xs-10, .col-xs-11, .col-xs-12 { float: left; } .col-lg-1, .col-lg-2, .col-lg-3, .col-lg-4, .col-lg-5, .col-lg-6, .col-lg-7, .col-lg-8, .col-lg-9, .col-lg-10, .col-lg-11, .col-lg-12, .col-md-1, .col-md-2, .col-md-3, .col-md-4, .col-md-5, .col-md-6, .col-md-7, .col-md-8, .col-md-9, .col-md-10, .col-md-11, .col-md-12, .col-sm-1, .col-sm-2, .col-sm-3, .col-sm-4, .col-sm-5, .col-sm-6, .col-sm-7, .col-sm-8, .col-sm-9, .col-sm-10, .col-sm-11, .col-sm-12, .col-xs-1, .col-xs-2, .col-xs-3, .col-xs-4, .col-xs-5, .col-xs-6, .col-xs-7, .col-xs-8, .col-xs-9, .col-xs-10, .col-xs-11, .col-xs-12 { position: relative; min-height: 1px; padding-left: 15px; padding-right: 15px; -webkit-box-sizing: border-box; -moz-box-sizing: border-box; box-sizing: border-box; } .box.email-tip-mini-box-background>.component-content:before { content: ''; background: url(https://www.moneysavingexpert.com/etc/designs/zg/mse/desktop/assets/img/icons/paperplane.svg) 0 0/27px 21px no-repeat; position: absolute; width: 27px; height: 21px; right: 60px; top: -38px; -webkit-transform: rotate(-64deg); transform: rotate(-64deg); } .box.email-tip-mini-box-background>.component-content:after { content: ''; background: url(https://www.moneysavingexpert.com/etc/designs/zg/mse/desktop/assets/img/icons/paperplane.svg) 0 0/27px 21px no-repeat; position: absolute; width: 27px; height: 21px; bottom: 8px; right: 160px; -webkit-transform: rotate(-18deg); transform: rotate(-18deg); } .box.email-tip-mini-box-background { background-image: url(https://www.moneysavingexpert.com/etc/designs/zg/mse/desktop/assets/img/backgrounds/background-mini-email-tip-box-desktop.svg); background-position: right; padding-top: 27px !important; padding-bottom: 16px !important; } .tipListBox .tip-box-main:not(.with-tips-list):not(.with-description)::after { content: ''; background: url(data:image/svg+xml;base64,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) 0 0/118px 90px no-repeat; position: absolute; width: 118px; height: 104px; right: 8px; bottom: -8px; } .tipListBox .tip-box-main:not(.with-tips-list):not(.with-description) .tip-box-heading-section { width: 38%; } @media screen and (max-width: 767px) { .tipListBox .tip-box-main:not(.with-tips-list):not(.with-description) .tip-box-main-form { padding-left: 0; margin-bottom: 0; width: 100%; } .tipListBox .tip-box-main:not(.with-tips-list):not(.with-description) .tip-box-heading-section { width: 100%; } } .paragraphSystem:before { content: " "; display: table; } .paragraphSystem:after { clear: both; } .tipListBox .tip-box-main:not(.with-tips-list):not(.with-description) { display: -webkit-box; display: -ms-flexbox; display: flex; -ms-flex-wrap: wrap; flex-wrap: wrap; } .tipListBox .tip-box-main:not(.with-tips-list):not(.with-description) .tip-box-main-subheading { position: static; } .tipListBox .tip-box-main .tip-box-main-subheading { max-width: 640px; } .tipListBox .tip-box-main:not(.with-tips-list):not(.with-description) .tip-box-main-subheading div { top: -42px; } .tipListBox .tip-box-main .tip-box-main-subheading>div { display: -webkit-box; display: -ms-flexbox; display: flex; position: absolute; top: -42px; background-color: #c62035; border-radius: 2px; padding: 4px 8px; } .tipListBox .tip-box-main .tip-box-main-subheading p { margin: 0; margin-bottom: 0 !important; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-weight: 700; color: #fff; font-size: 14px; line-height: 20px; display: inline; } .tipListBox .tip-box-main:not(.with-tips-list):not(.with-description) .tip-box-main-heading, .tipListBox .tip-box-main:not(.with-tips-list):not(.with-description) .tip-box-main-heading a { display: inline; background-color: #485279; -webkit-box-shadow: 8px 0 0 #485279, -8px 0 0 #485279; box-shadow: 8px 0 0 #485279, -8px 0 0 #485279; -webkit-box-decoration-break: clone; box-decoration-break: clone; line-height: 32px; font-size: 24px; padding: 4px 0; -webkit-box-sizing: border-box; box-sizing: border-box; margin: 0; padding: 0 0 0 8px; } .tipListBox .tip-box-main .tip-box-main-heading { padding: 6px 0; font-size: 28px; line-height: 40px; font-weight: 700; letter-spacing: -.6px; margin: 8px 8px 26px; } h2 { color: #4a4a4a; font-family: museo_slab900; font-size: 34px; font-weight: 400; letter-spacing: -.85px; line-height: 38px; margin: 0; } .tipListBox .tip-box-main .tip-box-main-heading a { display: inline; -webkit-box-shadow: 8px 0 0 #273156, -8px 0 0 #273156; box-shadow: 8px 0 0 #273156, -8px 0 0 #273156; -webkit-box-decoration-break: clone; box-decoration-break: clone; background: #273156; color: #fff; font-family: museo_slab700; margin: 0; text-decoration: none; } .tipListBox .tip-box-main .tip-box-main-heading b { color: #ffda2c; } b, strong { font-weight: bolder; } .tipListBox .tip-box-main .tip-box-main-expand { display: none; margin-bottom: 18px; border-radius: 0 0 2px 2px; } .is-hidden { display: none !important; } .tipListBox .tip-box-main:not(.with-tips-list):not(.with-description) .tip-box-main-form { width: 62%; } .tipListBox .tip-box-main:not(.with-tips-list):not(.with-description) .tip-box-main-form form { display: -webkit-box; 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Martin Lewis

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Recent Discussions

Monmouthshire B/Soc' Xmas Saver
I've got a Monmouth BS Xmas Saver maturing on 12th December. Does anyone know what happens at maturity ? Do they pay funds automatically into nominated account or do I need to withdraw the balance ?
Buy out ex but adverse credit
Hi all, I co-own a house with my ex and he has agreed to let me buy him out. House is worth 150k and he wants 50k but I need a mortgage for 75k as it needs a lot of work. I earn 23k and am 49. Ccj from 2019 and 2020 due to paperwork not passed on to me . Still paying both but they’re around 1k each so could use some of the…
PIP review - GP sent questionnaire by DWP
My PIP review telephone assessment is next week (review form returned January 2023 following extension to original award of six months). Original award for daily living was 11 points, so by no means did I ‘scrape through’ then and I have suffered further deterioration forcing me to give up my career in the interim. Anyway,…
Delay or Cancellation?
I bought a TravelTime insurance, the policy schedule said Cancellation: £2000 and Delay: £750. We intended a fly drive holiday and so thought some delay insurance wise. I thought that I was covered for £750 if there was a delay. The EasyJet flight was cancelled 30 minutes before departure because of 'crew issues'. EasyJet…
Parking fine issued without evidence
I all, I recently received a letter from a private parking company saying that I was parked on private land. I don't recall being parked where they say on that date and the time stated. There was no ticket on my vehicle and I didn't received their letter until the so called early grace payment had expired. So I was keen to…
First month pension payment - tax query
I just received my first DB monthly pension payment and as anticipated the tax is wrong. The pension was coded as OT since I am still working and 20% tax was deducted. HMRC have confirmed they have been notified by my pension administrator of the monthly payments and future pension payments will be coded as SD1 since I am…
No claims discount - rejected by Aviva
Just wondering whether anyone has an opinion on this. I'm facing the forfeiture of my new insurance policy next week (with a penalty fee of at least £50 for the privilege) - or alternatively the forfeiting my NCD in addition to incurring an additional premium of over £145 to remain insured. To explain - I was previously…
The Law is Broken...
Hi all. Letting off steam and keen for any constructive advice. I bought a used car for £13.5k. Within three weeks of buying it there was a fault and I attempted to reject it. I have legal advice, which says I have a very, very strong case that the seller should have accepted my request for full refund. For the sake of…
When to take final salary pension and other questions
Hello, I will be 63 next January, and I'm considering taking my defined benefit pension on my birthday next year. The pension was earned with a large UK telecoms supplier, which I joined in 1991; in 2018, the scheme was closed and moved to a defined contribution scheme managed by Standard Life. I finally took redundancy…
Child benefit - high income tax charge
I’m after some advice as I can’t get an answer from HMRC. My taxable income is in excess of £50k and I’m therefore liable for the tax charge. I did a self assessment for last tax year as they asked me to even though my taxable income was below the threshold last tax year. They adjusted my tax code for this year to 1115LX.…
Asos Refusing a Refund
Bought x2 pairs of converse from Asos with the intention of keeping one. One pair I left in the box, the pair I liked I tried on and got worn very lightly, before I quickly noticed a garish glue mark on the fabric, close to the sole. I knew I couldn't return them after wearing them, so I spoke to Asos on their 'chat' and…
Selling shares as executor
My mum recently passed away and left shares in 6 different companies that Equiniti deal with. My brother and I are executors - we’ve registered the death and would now like to sell them. We can do this directly with Equiniti but they charge 1.9% with a minimum of £70 for each company - the value of the share varies from…
fiesta ecoboost 2016 vs dependable old corsa 1.2!
I've bought the fiesta off a friend who wanted a quick sale, so let it go for trade in price. I believe its worth at least 800-1300 more going by autotrader and other listings. I am reluctant to sell my 2008 corsa 1.2 16v which has been reliable and consistently achieves 45-50 mpg. I am also unsure about the ecoboost…
Solar + battery - battery capacity nowhere near stated, installer does not want to know
Hi,I did post some of this in the Green & ethical MoneySaving sub-forum but here I am more looking for consumer rights information. What did you buy? When did you buy it? We had a solar and battery system installed back in February 2023. Where from? (internet or in store - it DOES make a difference) The system’s components…
Premier Parking have taken over the CarPark of the local Pub an fined me
Summer House, Worle Weston-Super-Mare now has Premier Parking operating the car park. I took my family there for a meal one late lunchtime, paid my parking fee, and received the parking ticket. I went to the bar and when I bought drinks, they refunded the cost of the parking ticket, which I thought was nice. I was happy…
WTC to UC managed migration.
Just got our managed migration letter though ,deadline 28th February 2024. Married couple in Scotland both working part time and we currently get working tax credits. Just looking for some pointers in completing the online UC application form. We have saving about £26k and it will not drop below this. I believe we will…
Clerical Medical - Extremely Poor Service
There's a few posts on here from a few years ago about Clerical Medical's poor service but I just wondered if I'm the only one having issues currently. I'm a trustee of some bonds from my late mother's estate and trying to get a partial encashment. I have already had one complaint upheld as the initial enquiries about how…
FIT Generation payments stopped because Octopus now pay me for what I Export
In 2015 I got some solar panels installed and started getting FIT payments (Generation and Export). At the start of 2023 I got a second set of panels installed and transferred my business to Octopus (supply and FIT). I was led to believe that I would stop getting the FIT Export payments but would still get the Generation…
HSBC Advance Incentive Payments
Has anyone actually received their £125 as the first part of the incentive payment for completing all the steps? I completed all the steps for the initial £125 by 13th November which means the 20 working days is Monday 11th December - but I've had nothing to date. I'll wait until Monday then give them a chase up but…
Unfranked stamps
It's a sort of techie query! :)We still partake in Christmas cards.Two that arrived this morning haven't been franked in any way (that I can see) - can I be MSE and reuse them?The 'man in the pub' suggested that the system knew that they'd been already used and would then reject them - fact of fiction?
Question about probate and selling house
ON behalf of a friend. My friends ex-girlfriend passed away (friend had split with her and moved out of the home that was owned tenants in common, with my friend owning the larger share.) Friend now needs to sell the home as can not afford to keep up payments on the home, but letters of administration have not come through…
PIP telephone assessment.
I had my PIP review today. The gentleman who called me didn’t have brilliant English, I struggled to understand some of what he was saying, he seemed to rush through quite quickly, it lasted around 15 minutes. He didn’t go into details much, at the end I had to tell him about my use of a commode and other things. It’s left…
When does £175 Barclays switching offer pay?
Hey, I changed one of my bank accounts to Barclays, using the switch service. I've signed up for Blue Rewards, I have 2 direct debits, paid in £800 per month. I've met the criteria, I can't find the switch details on their website. When is it they pay out please? I've had the account around 3 weeks. Thank you!
Supermarket refund
I did an online order with a big supermarket beginning with A and paid using a gift card. One of the refunds was for a substitution which was unsuitable and duly recredited to the same card. The second refund was for an item where one of two was missing. I claimed a refund but this was given back as an E-voucher which is…
Extra loft insulation, I can't believe it works!
As the heading says, I topped up my loft insulation with rockwool from 200mm to 370mm expecting a small difference if any, but I can't believe how much warmer the house is. I can feel the upstairs noticeably warmer than downstairs. Just really wanted to share and see if anyone else has experienced such a marked increase in…
Reducing CGT when gifting shares to wife and she selling them...
Hi there - looking for some advice on cutting CGT... I'm looking to gifting some shares to my wife, who is not working currently, has rental income of £8k per year and no other income. I'm looking to gift shares to her and leverage her 10% gains tax allowance. I would like to know if there are any CGT thresholds - if I…
Theft of eBay parcel from front porch
Ordered a vintage cook book from eBay. Courier dumped it in the porch, instead of putting it through the letterbox. Someone nicked it, despite the CCTV clearly visible and signposted. In future, I won't buy from eBay unless being sent by Royal Mail.
OVO chasing money after 4 years
We left Ovo just over 4 years ago and have had 2 suppliers since. As far as I was aware the account was settled at the time. Out of the blue I have a genuine email from Ovo saying I owe them £18.40 owing from account closure. As it was so long ago I have no records from this account so unsure how to proceed. Although it’s…
Sole trader to… what?
I’ve been doing some freelancing this tax year as a sole trader, earning just about the (£1k) tax free amount so far. Now it looks like I’ll be earning around £300 more so it seems like a good time to start my own company and have that company invoice the client and pay me going forward, which seems to have benefits. Given…
Productivity PC
I'm building a productivity PC for programs like Blender, Cinema 4D, and the Adobe suite. Build is: CPU: i9 13900ks or 14900k Mobo: Asus Maximus Hero z790 Ram: Corsair 64GB (2x32GB) DDR5 68000MT/s CL40 GPU: 4090 RTX PSU: MSI MEG Ai1300P Second opinion welcomed. What I need help with is CPU choice, Ram and PSU. I heard that…
NatWest - what's the best alternative which also has good customer service?
I've been with NatWest for many years and rarely need to call them but whenever I have some account related enquiry I've noticed that it's becoming increasingly difficult to talk to somebody. Even their Trustpilot score is truly lousy. Had a really bad experience with them today and I've had enough, it's time to move. Can…
SiP parking fine Manchester
Hi all, Received a notice to keeper today from a local car park for "insufficient fee paid". Unfortunately it was paid for late on the day, but also misclicked and hit 12 hours rather than 24 hours - have the receipt for this. Difference in cost was £1, now hit with a £100 fine (£60 reduced). Have read newbies post. just…
First time buyer - am I classified as such?
Hi all, I am looking to buy in the next year but I am not 100% sure if I qualify for first-time buyer status. I have never bought a property in the UK or abroad, but I am one of three named trustees of a trust set up to administer my mother's house. Does this technically mean I am a homeowner? And, even if so, how would a…
Premium Bonds or Savings account?
Hey! I'm looking to move out/be a first time buyer at some point in 2024. I've saved up quite a bit (I guess most of my savings will go on a deposit etc). I'm just wondering, what should I do? I have a NS&I Premium Bonds account, most of my savings is in there. I've always managed to win something each month. I also have a…
Eon Smart Meters
I had new Smart Gas and Electricity Meter fitted by Eon on the 4th March 2022. The engineer could not get the smart gas meter to work and it is still not working to this day. I have been back in touch with Eon many times to get resolved. This time they are asking for a photo of the defective meter (which I have done twice)…
Sharm El Sheik - Gold Earings
Going in three weeks & wife is after a pair for Xmas, is it worth buying over there? Looked high & low on Tinterweb & can't see anything TIA
Ryanair flight cancelled twice in 2 days
I was travelling with my girlfriend last week to Krakow for a weeks holiday. We went to airport for our flight home on Friday 1/12/23 2205. It was cancelled at 1208am and rescheduled for 2/12/23 at 1500. We had no information on as to why it was cancelled but just told to come back the next day. We had to find a hotel room…
Quick question Smart Parking
A quick question for all you helpful forumites. With all your help I've successfully challenged many Smart Parking tickets for myself and on behalf of others in my local community using the template letter from here and adding the bit about not being POFA compliant. I've been sent one from a friend that alleged…
AML/fraud compliance when receiving loan repayment
Hi all, Grateful for any advice on this please. A few years ago I lent money to a now ex-girlfriend.. and she's now in a position to repay me. It was an informal loan between two friends (no interest) of £52,000. She will be repaying me in chunks of around £10,000 over the next few months, and she will be sending the money…
Santander cash withdrawals
My elderly mum went to a Santander 6th Dec to withdraw £100 for her bills from a cash machine inside the bank. She left the bank and went to another shop and quickly realised she had left her bank card inside the machine. She went straight back and spoke to a member of staff in the bank to ask for her card and after…

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