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Drawdown time and going forward
I've recently reached state pension age and am now receiving the state pension. I have also put my pension account into drawdown to give myself a decent monthly sum to live on. The assets in my fund are split between equities, mixed assets and cash. I feel the need to review my holdings at this point to ensure that I'm all…
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Inheritance Tax Split Help
Just after some advice, I have a solicitor handling everything so I presume it will all be done correctly but I wanted to get opinions on this as I have tried googling and struggling to find an answer Inheritance tax is due on my fathers estate, he had a partner (not wife or civil partnership). The split is 60% to me 40%…
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"Santander £100 Amazon voucher without switching" crashing
Anyone tried this "Santander £100 Amazon voucher without switching" as shown on MSE webpage under switching? I have tried twice now applying for the Everyday account, following the correct link but right at the end when I click submit, I get an error reporting "Page Not Found". Very annoying...... Anyone else, got the same…
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SPUSU - PAC transfer - BEWARE -EXCEPTIONALLY SERIOUS RISK
After checking it on this site, Via SPUSU's website, I ordered one of their SIMS and made the SERIOUS mistake of inputting my PAC code for retaining my current phone number to their new SIM. They posted the SIM to me and Royal Mail delivered it to the wrong address, where the occupant took it and tried to activate the SIM.…
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Please help £75k debt!
Hello everyone, I found this forum and have been reading different stories the last couple of weeks because find myself at breaking point, 35/M I have a history of gambling addiction which is the root cause and for the first time in my life ( it has been approx 2 months where i feel in control of it and honest with it to…
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Can you join a London-Amsterdam Eurostar in Brussels?
A relative in travelling London-Amsterdam on Eurostar and we want to join the same train in Brussels, but the train times make it look like it isn't possible. On 21 November, ES 9126 leaves London at 1104, arrives in Brussels at 1405 and arrives in Amsterdam at 1644. But there is no Brussels departure for Amsterdam between…
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Outstanding October's No-Spend Days Challenge!
Welcome to Outstanding October's No-Spend Days Challenge! This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help…
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Premium Bond Winner ?
im interested in winning premium bond holders , or not as the case may be , please post your winnings and holding as well as length of time held , i have a theory that newer bonds win more prizes , id prefer not to make this a discussion area of that arguement but i would be interested in your winnings just a bit of…
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Overpayment on Interest Only mortgage
Hi all, I'm hoping you can help me - I suspect I'm just being really stupid but if anybody can help I'd be ever so grateful. We have 7 mortgages on our home, with Nationwide, and we're overpaying them as much as possible to try and be mortgage free in the next few years. 6 of them are repayment mortgages so when we make an…
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Money Moral Dilemma: Should I give my neighbour the cash I made from selling their railings?
This week's MoneySaver who wants advice asks... My neighbour asked me to demolish and dispose of their patio wall with decorative iron railings. I did it as a favour and payment wasn't discussed. I took the rubble to the tip, but the railings wouldn't fit in my car, so I listed them on an auction website for 99p just to…
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EE network - Best Piggyback MVNO Network
HI. I'm currently coming to the end of my BT Mobile SIM only contract and they seem to be phasing out BT mobile and only offering EE SIM only. I've been looking at a few offers from EE and also any other that piggy back their network as it's the best for me for coverage. Any view on 1p Mobile, Lyca, spusu and Mozillion…
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WARNING and help?: Debenhams and daylight robbery /misselling protection
I was shopping at Debenhams online and upon checkout a delivery protection fee of £15.99 was added to my order. I did not realise this until I had checked out and paid, despite carefully reviewing my order before placing it. It must have been a ticked box somewhere, Debenhams describes this charge as optional, but I never…
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Late husbands COD payment from Pension Provider
I have a letter from HMRC advising of small weekly payments due to me from my late husbands private pensions. One was a company pension and I am receieving the 50% widow benefit which I believe includes the COD amount. The 2nd pension was only guaranteed for 5 years and they stopped paying it some time ago. - Needless to…
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Lowell refusing to provide debt is mine.
Hello, I have asked Lowell three times since August to provide proof that a debt belongs to me. I have quoted the relevant legislation l from the FCA CONC 7.14.401/04/2014R Where there is a dispute as to the identity of the borrower or hirer or as to the amount of the debt, it is for the firm (and not the customer) to…
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Citibank and processing of UK Pensions
Hi Everyone We live in France and each month our pensions are paid in £s from DWP to Citibank who convert to Euros and pay into our French bank account. Receipt of the triple lock bonus was gratefully received but ever since the initial May payment our pensions have been converted losing money each month. I know the…
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Advice on defaulting
My husband and I have realised that we can't carry on the way we are and need to tackle our debt. It is about 45k between us (husband has 2 personal loans, about £10k each, I have CC £12k, then various other smaller debts). It's got to the point where we are having to use CC for food etc as our disposable income has to…
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Monument Bank
Does anyone have the legitimate email address for this bank
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Return not in same condition
Item sold mid Oct. An SSD enclosure that was brand new still sealed in retail package. Buyer received, left positive feedback saying everything was great. 2 weeks later I receive an item not received case! eBay took over as I used simple delivery and closed in my favour. Buyer then straight away opens an item not as…
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Lose weight with Slimming World in 2025, You know you want to.
Time for a new Slimming World thread as we go into 2025. Feel free to join in. We are all at different stages of our journey & some are awesome target members. We are a lovely supportive wee group. Some go to group & some go it alone. As we move into new year feel free to pop in to our lovely thread. All welcome.
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Ideas for writing on cards.
I didn't know where to put this thread. My dad and FIL have about 200 Xmas cards to send this year. We have told them that we would write who they are from and we have address labels for the envelopes. One has Parkinson's and the other bad eyes and other ailments so sitting and writing is hard for them both. I was thinking…
