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A whole new world, for now
So, here’s the new thread I’ve been promising myself for a few months. My old one, that served me so well, is https://forums.moneysavingexpert.com/discussion/4855808 A potted history of me. I’m 49, live in NI with OH, DD and dog and DS is London based. Have been in debt for a lot of my life and came here post personal debt…
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Paying off mortgage on Universal Credit
We have an £18000 mortgage and receive Universal Credit. My parents have offered to pay off £12000 of the mortgage, and we will use our savings to pay off the rest. Will this affect the benefits we receive? And does putting our savings towards the mortgage count as deprivation of capital?
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DCB Legal claim on behalf of G24
Hi all, First thankyou for the help provided on these forums for everyone fighting against these claims. I have (hopefully) followed the newbies thread up until now, in that I now have a claim lodged against me after I ignored all the threatening letters. I have acknowledged service on MCOL and am now drafting my defence…
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Can't Access Water Meter
I have just moved into a housing association house. Gas and electric meter readings have been taken and recorded. Water meter readings have not been recorded. This is because none of the four houses in the street have individual access to the water meters. They are all under one massive cast iron cover that you cannot lift…
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Headphone amplifier
Any audiophiles on here: looking for suggestions for a good quality headphone amplifier that I can use portable, doesn't necessarily need a battery if I can power it from my own 6A USB power-pack. Preferably class-A or H and balanced with XLR-4 output although will initially at least only be use with single-ended…
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Income tax or capital gains tax
I am filling in my tax return and I have used Koinly tax software for my cryptocurrency disposals. It has worked out the number of disposals, disposal proceeds, allowable costs, gains in the year before losses and losses in the year and the amount of CGT due. There is also an "other gains" section with £280 profit.…
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The final countdown to June 2026
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…
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Websites/Companies Buying Homes for Cash
Hello I'm considering moving house in the next 6-12 months (my current home is a first-time buy so this will be the first time I will be selling and buying a house) so naturally have been doing some research - e.g. market values, average selling times, typical fees etc. A few google results popped up with websites and…
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Juggling mum/work life, whilst looking after my future self, both financially & healthily
Hiiiii, So I thought it was time I started a new diary as my old one got a bit complicated. A little about me. I’m a mum in my 40’s, my husband works away a lot, I work full time, and I have 2 children a tween and a teen. Along with 2 noisy cats. The last few months have been hard financially, and my work is teetering on…
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VCS crash and burn at Southampton County Court: Bristol Airport Case
In The County Court and the Family Court at Southampton Before Deputy District Judge Giddens Sitting in Courtroom 07 Monday 3rd March 2025 10:00 AM L1QZ014X VEHICLE CONTROL SERVICES LIMITED -v- JONES Greetings to all on this warm Bank Holiday Monday. I'm ever grateful for the help I received for my residential case from…
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DCB LEGAL cp plus/groupnexus court claim
hi, only just discovered this forum very late in the day as i need to file a defence by this weds 17th. finding it tricky from a read of the newbies forum to know what steps are now at this later stage. claim made to northampton civil national business centre for overstaying at a motorway service station that positions as…
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Moved: Trading Loss
This discussion has been moved.
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Private parking fine
Hi there I have been reading through past threads to get an idea of things. I haven't found a query exactly the same as mine but it seems we are all under similar diabolical tactics. In short, I parked at a FREE B&M carpark and it seems that I forgot one day to put my Blue Badge on display. I sent them a copy of my Blue…
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Capital gain -other income
I have had a capital gain this year so need to submit a capital gain return soon. However I don’t know what my other income will be for the year so am not sure whether the gain will be taxed at 18% or 28%. Is it better to overpay the tax and just claim it back when the 2026 return goes in?
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Second home council tax reduction
I am having to sell my holiday home as I cannot afford the enormous surcharge the Council have put on second homes. The one advantage of putting it on the market is that the Council tax surcharge is lifted for 12 months. If it does not sell is there any reason I cannot take it off the market after 12 months and then put it…
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Apple muncher's number crunching
Time for me to start a diary :j. I work 2 days a week, dd is at school and dh was made redundant in the summer. We are living carefully, although the redundancy money is being nibbled away at of course. We are fortunate to have no debts other than the mortgage, so I would like to get rid of it! We'd also like to have a…
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Resourcefulness: The budgeter's friend
Happy New Year to readers old & new! Well, it's time for a new chapter. My old diary ("Put away your purse & become debt averse") achieved pretty much what I intended. I shared the story of how I got into debt at the age of 19 & stayed that way until a pretty enormous lightbulb pinged on during my early 40s, I've shared…
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Lime mortar frustration
I need to repoint a small area of the front of my house but cannot seem to buy a small amount of lime mortar for the purpose (Victorian property), it all comes in 25kg bags, any ideas?
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Claiming off house insurance for contractor's mistake
Hello
Everyone, I had a
plumber fit a new heating system last year and now one of the joints he fitted
has failed and caused a lot of damage. Although he has admitted using the
incorrect type of fittings (against manufacturer’s instructions) he is denying
responsibility – because he’s always done it that way. I have proof…
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Selling a stamp collection, advice needed please
Hello, this is intended for any stamp collectors who are proficient
with buying and selling. I have a collection
that I wish to dispose of and I need some advice. I’m not jumping
into selling yet, no rush there, this is really about managing
expectations when I don’t know what I’m doing. The collection is
English First…
