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Car Auction
I need help cutting my loses. I work in care sector and was unable to attend a car auction I registered for. Deposit of £950 was paid. I made the mistake of giving a friend my log in detail to bid for me with the car specifications I wanted. Unfortunately the one they closed on was way above my budget. It is a Land Rover…
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Amazon
I was wondering if someone might be able to help? I am really disappointed with Amazon - today when looking on my account I am realised that they been charging me monthly for nearly 2 years for Amazon Kindle unlimited - I did not even realised I was signed up to this as have never used this service- I think originally I…
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Apcoa Parking charge than now gone to Debt recovery plus :(
Hello all, I hope you can help. I must have missed the first fine, and it then went to debt recovery. I emailed Apcoa directly with the email below, but they did not reply to me. Now the charge from Debt Recovery Plus has increased to £170. I wanted to check whether the email I sent them was okay and to ask what I should…
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Council ticket for parking in loading bay
Didn't realise it was a loading bay, thought it was a normal 1 hour bay, due to poor markings. Was having physio and was parked there for 45minutes, kind of irrelevant. Saw the sign when I returned to the car and saw the ticket. Is this something I can fight due to poor markings or banged to rights? Any help appreciated
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Looking for help on holidaying in Poland
I should've asked this 3 months ago when I originally had the idea!! Basically I'm looking to go to Poland next year around August / September. This will be the first time I've ever done any kind of booking like this myself. All the internal travel we've done is basically book a hotel and then train or drive & it's just…
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A Smooth Step Change
Hello all, Been on my Step Change for 6 months. I have made my payments. Ie had one debt transferred and not too many letters. I am hoping this is it, for the next 4.5 years, I just make my payments and my credtiors are happy see i am being consistent in payments and life plods along. Is this the case? I feel like I am…
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House selling- what am I doing wrong?!
Just after some advice regarding house selling! My house has been on the market since end of September, initially lots of viewings but I've had nothing for the last 8 weeks. The feedback I get is nothing I can improve on it's normally "we've found a different house" etc. For context, it's a 3 bed end of terrace with 2…
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our forever patch challenge
well, this week sees the new start to my mortgage free plans. After 18 months clearing debts, then paying for our wedding, which took most of our hard earned savings, we are at the beginning again. Due to restructure at work, OH is on a reduced monthly pay, so the savings are even more of a challenge! Our plan is over the…
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Octopus Snug and clock issues
Hi, we have just gone over to Snug tariff. Things have not been going too well. I look after my elderly, unwell Mum, in a house which gets cold in Winter. We have been enjoying the benefits of 9p per Kwh at cheap rate, but now the clock, controlled by Octopus and our SMETS2 meter, has gone wrong! The heating has been…
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Moving on with things
I have debated posting this for a few days or so. One of the main reasons I wanted to post an update is because recently I said goodbye to my car for good having made the decision to lease another electric car through my business. A decision I simply think I wouldn’t have made without having been on here. My wife and I are…
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One step at a time
2024 has been a big (and expensive) year. I got married! We also moved into our ‘forever home’. Weddings and moving house are so expensive, and I am now looking towards getting a hold on our finances in 2025. I have been on the MSE forum for years, and contributed to some threads particularly on the old style moneysaving…
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So now what?
We cleared debt of £ 64,346.53. We cleared a mortgage of £118k. So now what? We need to get saving and making the most of our money. Half of us is retired. The other isn’t working but may well have to (and possibly wants to) return to work in two years time. I find posting here keeps me super focussed so I am going to be…
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Letter from Police - Failure to stop RTA - want to know driver details
News to me..... All I can think of is a few weeks ago, in a traffic queue to pull out of a junction, some teen on their phone walked right in front of the car, I had to slam on brakes, they banged the car and walked off shouting at me. Hardly a RTA because the car made no contact. I'm wondering if that teen has gone home.…
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Moving forward and upwards
I decided today to bite the bullet and start a saving for a deposit diary. Moving away from my other diary as that served its purpose for that part of my life. Its now time to focus on my next goal, buying my own home, for that I need a 15% deposit. For nearly three years I've been saving my pennies, saving chunks of my…
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Is your heating ON or OFF?
hi just wonder how many of you have put the heating on yet i was going to wait untill november but my 7 year old dd woke me up at 430 this morring saying she was cold i swear i saw steam coming from her mouth so i got up and put it on the house was cold though and my ds has woken up a few time durring the night to (his…
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The second hurdle - Nichelette v the huge mortgage
Hello! I thought I would start a new diary as we attack the second phase of our mortgage... In Jan 2019 we bought our first (lovely, but little) house for 320k with a 10% deposit. South east prices :s . With the fees we began our journey with a mortgage of £289,500 over 30 years. To be honest, whilst it was affordable to…
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O/S Daily December 27 2025
Good morning all.
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Savings & Tax Code
I've recently been advised I underpaid tax by HMRC and have entered the 40% tax threshold due to interest on savings. HMRC have updated my tax code to collect expected interest moving forward. My questions: 1) Does allowing the previous years of owed tax to be collected in my tax code (rather than making a back payment)…
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Trust Fund Help
Hi, My Son just turned 18 and My Mum had a trust fund set up. My Son went to the bank to transfer the money to His account, The bank wouldn't do it unless my Mum is their, Problem is she is 80 years old and can hardly walk, So how do I get round this? I also have two younger kids 10yo and 12yo and they also have trust…
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Barclaycard Credit limit
I use my Barclaycard Rewards Credit card for my spending abroad as it gives me 0.25% cash back as well as being no fee and good for ATM withdrawals. However I have a rather small credit limit. £3000. When I am travelling I often get to my limit before payment day and then have to pay it down to create more room for…
