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Council tax discounts for carers
after reading loads of posts, gov website, getting advice from carers uk I believe that because my mother, who has Parkinson’s dementia and is severely mentally impaired, lives with me and my husband, and I am her full time carer (24/7 as she cannot walk, talk, feed herself, or do anything) then we are entitled to…
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UPS billing me VAT on a parcel I refused and returned
In March I ordered a specific piece of hardware on Amazon for around £450. It was sold by a third party but bought through Amazon. After a week of delays with no firm dispatch date, I asked the seller to cancel. The next morning I got a dispatch notice. The seller then said the item had already gone out, but told me not to…
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£31,000 Credit Card Debt and My Anxiety is Unbearable
Hi everyone, I’m in around £31,000 of credit card debt
across four cards, and the stress and anxiety is seriously affecting my health. I’ve
struggled with anxiety for over 20 years, and this situation has made it so
much worse. I missed my minimum payments in March and will
likely miss them again in April. The constant…
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What do peope think of these refund policies
I bought some dishwasher tablets, but they leave a film on my diswasher, and cutlery. I have contacted them for a refund as they are not fit for purpose and not as described as they should be all in one, yet the response was add salt. I am not in a hard water area, They say because I opened them I can't have my money back…
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NatWest / RBS £200 switch offer (06/05/2026 to TBC)
Launched today. £200 switch offer. NatWest offer RBS offer 1: Open a new Select or Reward account from 6th May 2026. 2: Complete a full switch using the Current Account Switch Service. 3: Pay in £1,250 (all together or in smaller amounts) within 60 days of switch completing. This must remain in the account for at least 24…
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Struggling with debt? Ask a stepchange debt adviser a question
If you need help with your debts, this is the thread for you. This is a new thread, as the old one was getting a tad long. Trained advisers from StepChange Debt Charity are here and waiting to answer your debt questions. They're a friendly bunch so please don't be shy! There are three ways to get in touch: 1 - Simply post…
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"Isn't it nice to think that tomorrow is a new day with no mistakes in it."
So after lurking on other people's diaries for the last few years it's time to start my own. I'd almost paid off my mortgage 4 years ago when I decided to move to somewhere a lot bigger and a lot more expensive. It was also a project. So for the last few years there have been no overpayments as everything has gone into…
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Buyur Limited, trading as UR
Hi Everyone, I hope someone can help. I have an old Apple iPhone 13, which I wanted to sell to one of these recycling companies. Normally, in the past, I've used Music Magpie and other trusted companies, and had no problems. This time, I came across a company called UR (company registration 7166414). They were offering a…
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Living the Good Life - mortgage free and living in line with our values
Evening all, I thought it was time I started a
new diary, as we've now been mortgage free for 18 months and the last pesky bit
of mortgage debt (on the 0% card) went in October. We're now almost through Mr
MV's 40th, Christmas, New Year and my 40th (coming up next week), so it seems
like a good time to start afresh and…
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Riding the wave
Last year I started a debt-free diary that really helped keep me on track, unfortunately I then realised that my username was one I had used elsewhere and with a bit of Googling, someone might be able to identify me and use my personal details. I have now got rid of that profile and started afresh- and not a moment too…
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Pensions Planning: The NUMBER
The NUMBER is how much income you need to "live comfortably" So What's your number? Very important for pensions planning, to know what you are aiming for. My Number? (for a couple) I calculated: £22,000 based on Food £5,000 Car/transport £5,000 Bills/Utilities £4,500 Holidays/Leisure £4,500 Clothing/Cash/Xmas/Other £2,000…
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MSE Forum Poll: What food option do you pick when booking a holiday?
Where you'll stay and what you'll do are key parts of booking a getaway, but figuring out what to do about dining can be a huge factor. Are you big on hotel buffets? Do you explore the local eateries? Prefer to prep your own meals? Vote in the poll and share your thoughts in the thread.
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Waitrose bottled beer prices
I visited Waitrose today expecting to find Wychwood King Goblin at the usual price of £7 for 4. It was one of the few decent bottled beers remaining below £7.50 for 4. Instead, I the price has been increased to £8 for 4: An increase of over 14% !!! It is now more expensive than premium beers such as Abbot Reserve or…
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On The Beach Klarna Payment Cancelled
I booked a holiday with On The Beach using Klarna pay in 3. The holiday leaves within 90 days. The holiday is ‘pending’ with On The Beach but this evening I have received an email from Klarna saying the payment has been cancelled? No way of contacting OTB and no communication from them. Anyone had anything similar? Does it…
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Onwards and the debt goes downwards!
Hi All Old diary is here https://forums.moneysavingexpert.com/discussion/1000559 I can't do the posh linky things. Things are all changing in the Lucielle household. DS1 arrived back from New Zealand and has moved out to start his new job. Spent most of last week building flat pack furniture from the well known store. DD1…
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Collective Defined Contribution (CDC) Pensions - Coming Soon Earn 50% more in retirement!
Not sure if we have discussed these yet so apologies if we have and please merge or delete. Retiring at 67, part of the reason that an SWR is about 4% is because we need to make sure that the money lasts even if we live to a 98th percentile age of 97, so a 30 year retirement, rather than just budgeting for average…
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Smart Parking claim via DCB Legal? Group info thread
Hello, had a letter from HM Court & Tribunals Service and a claim form regarding a Smart Parking PCN ignored since July 2023, and I am now thinking of just paying it due to this letter (£288) as it's from the courts and I figure I'm at the end of the road with this. Appealed a while back (was 10 mins over parking…
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Divorce debt be gone!
Newly divorced but with big debts to clear here - moving and divorce legal fees, furnishing and essential repairs on the new place for me and my 2 teenmonsters who live with me 50/50. I managed to secure a 0% 15 month purchases card a few months ago when I moved to pay for furniture and have just secured a 0% balance…
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Talk Talk Full Fibre upgrade- is it straight forward?
I’ve had several emails from TalkTalk about a free full fibre upgrade and have now received a date for an engineer to come out and do the upgrade. I’m just hesitant and quite worried about it if I’m honest. I’m severely disabled and heavily reliant on my internet connection, gaming is my main thing that keeps me mentally…
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Fair Fund Notice - Barclays Bank
I'm in the UK, had Barclays ordinary shares a while back but sold them all, only had £500 worth. Pretty sure I bought them before 2019 so this might mean nothing to me. But got a card through the post the other day that appears to be relating to a class account being done in America. It states "This is an important notice…
