Recent Discussions

I think MSE should remove the "25% off first shop for Ocado" from the top of the list on Save on groceries using new customer supermarket delivery offers. Many reasons, the main one being that the 25% discount simply is a lie - I ordered £71.95 (sub-total, after additions and subtractions below) and got a discount of…

Dear all MSErs I am a first time buyer, Full NHS PAYE employment. I am looking to buy a relative new build <10 years. Do not need a specialist mortgage. I wonder if people in my own situations would recommend going directly to the lender for applications after doing a price comparision or going via a broker still…

Hello all. As the title says I'm looking for information on tenants in common. We bought our house, jointly with our daughter and her husband 13 years ago. Now we are both retired, and ageing fast, we would like to move back to civilisation. Son in law does not wish to sell! Does anyone know where we stand legally, please?…

Hello all - as with many I have amassed a lot of unsecured debt through bad life choices and necessities (Court cases following divorce). I'm not here to moan about it and wallow in self pitty but to tackle the issue head on. SOA is below. I have swayed between DMP and IVA. In all honesty I have no idea which is best and…

I wonder if someone could explain the basics here. The general outlook is that investments out perform savings, however, when I take a very quick view it does not seem clear. Taking the FTSE 100 as an example, over 10-years its growth is around 4.5% PA (6775 to 10600). Given that saving rates of 5% are possible (with no…

Hello, I believe i have read all the newbie posts and hopefully i am correct in the process i need to follow; 1 - Received numerous DBL letters for a parking charge. Ignored all. 2 - Received questionnaire from Small Claims Court whilst out of the country. 3 - Returned the questionnaire just after the 14 day window (Dec…

What I did: I tried replacing a table from this post of the Top Regular Savers Discussion Thread with another table from excel. I did this by deleting the table from the post and then clicking on the end of the heading and pasting the table.

Hi all, I've read the NEWBIES thread and post #2 on court claims. I've just filed my Acknowledgment of Service via MCOL and would be very grateful for help drafting my defence. Key facts: Claimant: National Car Parks Limited (NCP) Solicitor: Moorside Legal Services Ltd Court: CNBC Northampton (N1SDT claim form) Issue date:…

HI. I've got or did have a s/s isa with marks n spencer. I've had it for years and to say its been volatile would be an understatement. I had a letter last week to say it's now going to be managed by a company called waystone management. I've never heard of them. so should I just leave it and let waystone do what ever? or…

Hi everyone :) I booked a hotel with free cancellation, cancelled it at a later date, and have never received a refund. Is it appropriate to do a Section 75 claim? Further details: booked the hotel back in June 2025 (to travel August 2026), they took payment almost upfront. Read some reviews about the hotel being terrible…

After +15 years of lurking on the site l have finally decided to create a MFW diary of my own. A brief-ish history 2009 took out current mortgage a tracker with FD, +0.79% base rate, allows fee free unlimited overpayments, and crucially, withdrawals upto the original amount borrowed. Thanks to your inspiration, super low…

I'm a first-time buyer and I've found a flat I really like, in an area where there are slim pickings in my price bracket. The location is ideal for work and the flat is in tip-top condition, which is a real bonus for me. Current asking price is £285,000 and it was already reduced in price a couple of months ago. I think…

Post your private parking IAS Decisions here! We had a thread of IAS Decisions last updated ten years ago, and it is closed. Let's show the MHCLG why good people here generally stopped 'futilely going through the motions' for a decade. Please search & find recent IAS joke decisions, good or bad (let's keep it balanced ...…

This thread is for discussion of the Easy Access Savings Guide A previous version of this thread which ran from Nov 2007 to June 2024 can be found here: https://forums.moneysavingexpert.com/discussion/596724/the-top-easy-access-savings-discussion-area/p1

Hi, I can’t find a case the same as mine - hope it’s ok to ask! I received the NTK on 24 Sep and appealed through ARMTRAC’s online form. “I am appealing solely as the registered keeper of the vehicle and I am not identifying the driver. The alleged parking event occurred on 1 September 2026. The Notice to Keeper is dated…

Hello, This one is pretty bizarre. I parked at the Leon House car park in Croydon on April 23 at around 7:45 pm. There were signs (see photo below) saying that tariffs only apply between 8am and 6pm Monday to Friday. As this was outside these hours I just parked and left, but I got this PCN anyway. Never heard of anything…

I've had a few suggestions/requests to start a separate 'No Chat' thread, as the ToTP list gets drowned in 'chat' in the 'Top Easy Access discussion' thread. The aim is to maintain an easy-to-find ranked list of the c.Top 10, available to open & manage online, Easy Access accounts, with links. The purpose of this thread is…

This challenge has been running for a number of years and is so popular I have agreed to run it again in 2026. If you wish to join please post on this thread and I will allocate you a number which should be quoted when you update on your progress. You can do this either using cash in a jar or virtually by transferring to a…

So have county court next week never gone this far last one dropped it after mediation. They have filed their witness statement late and say they will not attend court. Noted I haven't filed my witness statement and now there is 7 days! They noted theirs was late. I had expected it dropped by now! 2. The Claimant…

Hi everyone, looking for a sanity check on a 6-year retirement bridge plan so I (61, basic rate) can slow down work immediately. Wife is 54 (non-taxpayer, NHS part-time, no pension). Target: £1,000/month net total. Current Assets: Main Home: £250k (mortgage-free). Bungalow Rental: Worth £155k (£40k mortgage). Brings in…