Recent Discussions

I have a regular job and then self employed income too as sole trader. Income from self employed is about 25k from tax year. Overall income from both is over 100k. My understanding is I do not need to be VAT registered as sole trader as less than 85k per tax year earned as sole trader. If I have expenses, so for example a…

Hi, I'm a long time lurker, first time poster. I have been enjoying this forum immensely over the last few years, especially since I saw the road to retirement end date in sight. So last week I am pleased to say I handed in my notice and triggered early retirement (ER) commencing in just over 3 months time. I have a…

Good Morning I have just read online that TalkTalk maybe going into Administration soon. Does anyone know if this is true? I've been a customer of theirs for years and want to know if I need to find a new provider now or wait and see what happens? I can't really be without an internet connection. I have about 6 months left…

New Beginnings So today is the start of our remortgage and as such I thought it would be nice to start a shiny new diary. Hopefully I can be reflective of the journey so far and make some new and focused goals. Just to bring anyone who doesn't know me up to speed. I am married, 2 kids, a dog, a house and an allotment.…

hello. I am new here - and hope I can get the correct advice as getting nowhere with the councils involved I own a place in city A together with my spouse I had to move to city B for work - I am renting we are paying council tax in city A and I am paying council tax in city B. Is this correct? Am I underpaying or…

Forum currently running very slow so I’m hoping this will post! Intermittent error messages including this one plus now cloudfare error. This is mainly happening when trying to view bookmarks

Hi From the Newbies thread I know I should complain to Sainsbury's first, but we weren't shopping there, just practising parking on a Sunday evening 28th June from 8.30 pm to 8.52 pm. This is the car park that the driving test centre use on the test so my daughter went there to practise. My local Sainsburys has a 2/3 hour…

If I've opened accounts but missed the switch offers should I just close the account and wait a few years to the next offer? How can I tell when my previous accounts were opened/received offers/closed - and which is the date that matters for future eligibilty.

Just wanted to hopefully enable others to avoid making the expensive mistake I made in using Emergency Assist as my vehicle breakdown/recovery service. I had the unfortunate incident of hitting a pot-hole last week, and when I called Emergency Assist to ask for recovery and to be taken to a local tyre replacement facility,…

Afternoon all, I have had a read through a lot of the topics and it’s a great resource and full of great advice. I’m hoping for a bit of advice with my situation. I got into a bit of trouble back in 2018/19, leading to missing payments and subsequently defaulting on a few credit cards and a loan. I have since paid off all…

I parked at Tonbridge station in September. I always pay via the APCOA app while on the train into work. I do this daily. On this particular day the app was not accepting my payment details, I kept getting thrown out at the point of payment. Nothing wrong with the payment card as have been using it before and after this. I…

Octopus have temporarily stopped switching / sign ups for their Flux tariffs. The following notice appears on the pages for Flux and IOF: Important: Energy prices are particularly volatile right now, so this tariff is temporarily unavailable. We’ll update this page as soon it’s available again.…

I purchased a 10 year old used vehicle in February this year for £4245. The car needed a major engine repair/rebuild due to excessive oil usage and the dealer took the vehicle back and did the repair. (within 6 months of purchase). The vehicle was in for the repair of 7.5 weeks, which I feel is an unreasonable length of…

We paid our usual 6 monthly bill in July 2026. We were very surprised to receive a monthly bill in August 2026. After reviewing our online account we noticed the column on the left still stated 6 Monthly billing. So we took a screenshot and a photo before calling. 67 minutes later, after repeatedly being told you are on…

Looked at a flat for sale and took some photos. The comparison between the estate agents website photos and mine was striking. Small print says some photos may be "staged" to show what the rooms might look like with furniture and different lighting conditions, but this was something quite different. The corner of the…

Complete savings have been taking £15-£18 direct debit from my account for few years sadly I only realised this year, I cannot explain how I have never noticed it before as someone who regularly checks my accounts. I called my bank to ask what or who they were . The bank gave me Thier number and I arranged the bank…

Hi all I've sold x12 CDs on Discogs to someone in Australia. I'm in the UK. I'll be sending with Royal Mail. I wondered if anyone familiar with selling and sending abroad might be able to help please? Here are the bits I'm confused about... Do I have to list each CD separately on the customs form? I've read both no and…

January 2027 - analogue phone lines are being disconnected So - if you have not gone digital yet (full fibre) - it's almost too late https://www.citizensadvice.org.uk/consumer/phone-internet-downloads-or-tv/check-your-personal-alarm-will-work-after-the-landline-switch-off/

Good morning everyone.

I recently received an alert from Experian showing that Percayso Inform Ltd had carried out a hard search on my credit file following an insurance quotation. I contacted Experian, and they informed me that this is apparently a known issue affecting some Percayso insurance quotation searches. Apparently, some searches that…