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TV licence Threatening letters in new flat.
My son has just moved into a new flat and there were loads of threatening letters to the occupier of the flat about no tv licence being registered to the flat. He is a student and only has student loans and savings to live on, I can't believe students aren't exempt but that's another issue. My wife thinks he should just…
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NHS Pension - finding out what it will pay - nightmare
My wife will be 60 in February next year. She worked for NHS part time from 2001 to April 2025 with a one-year break. During much of this time she made AVCs (extra years). I've been trying to establish what she is entitled to from next Feb and what the best option from a McCloud point of view is. We submitted a request at…
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Better Rates or Pension Drawdown
My partner was a tax payer last year due to income from savings. This year we are purchasing a house so their income will be reduced such that they won't be a tax payer. They have funds in flexible isa's.My question is would you fill the tax free void by removing funds from isa's in order to generate extra taxable income…
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Sky TV retention deals ( post your haggling successes )
Please post any deals you have negotiated with sky Please post The package The price and discount The length of the contract
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Missold warranty
Hi, After some advice lease. I purchased a car on PCP just over a month ago. As part of the deal I purchased a 3 year warranty for £600 which was added to my finance deal. It was later discovered that the car has a 7 year manufacturers warranty so the additional warranty wasn't required. The dealership advised they would…
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Unfair Resident Parking Permit PCN Advice
Hi, I have spent some time reading the Newbies Thread and searched the forum but I would just like some advice. Please advise whether my thought process is correct as I don't want to get
this wrong. My scenario (brief): * I have a private parking bay at my residence, but in June I received a windscreen PCN for 'not…
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Pay off mortgage and start having even more fun 😁
Finally after twelve years of part one of this diary it’s time for part two 😆 Heres part one, slightly lengthy now to say the least! https://forums.moneysavingexpert.com/discussion/2408201/pay-off-mortgage-and-start-having-fun/p1 So condensing 12 years into a few sentences…. I joined the mfw board in April 2010, with a…
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Tesco PAYG moving to monthly contract
Any suggestions for an alternative cash PAYG provider? Looks like Tesco mobile who I am currently with are changing their PAYG package to monthly chargable contract.
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Annuity 5% increase per year or RPI
I'm thinking an annuity will be the way to go for one of my SIPPS (currently around 360k). I don't intend to take the tax free element (or maybe I should?), so 100% will be used to buy the annuity. if I do buy an annuity my conundrum is do I get a 5% escalation or an RPI? If the BoE target is inflation target is met, or…
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Compensation for delayed flights Discussion Area
This discussion relate to the Flight Delay Compensation guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
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5 OS pleasures in your day today - part 3
Ok I'm diving in as I've noticed several of us have lost posts we thought had posted, and there now seems to be a serious risk of losing the whole thread. So thanks for the heads up Karcher. (and i sympathise Frith - i too like to nip back) I've revisited the first thread of our part 2, posted 28th October 2009. It said:…
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Being brought out of marital home
Hi, I am new to this and am looking for some advice! My husband and I have separated but are still living together. He has been accepted for a mortgage to buy me out of the property. My Solicitor who is only dealing with the transfer aspect has just mentioned for me to find out if there is anything else i need to do to…
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Letter Before Action
Hello, I am currently in a Will dispute (defending the Will) and I have received a letter before action from the claimant (family member). In this letter the claimant has written a short summary of the dispute and has threatened to commence court proceedings without further notice if I don't agree to his demands but he…
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Time to banish the debt.
I've been a lurker on here for a while now and kept meaning to start my own diary but for some reason or not I haven't, I now know it's probably because of the shame I'm feeling. I've had some kind of debt for as long as I can remember but never to this extent. 8 years ago I had just paid off £3000 on my credit card and…
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25 for 2025
It's that time again, as we face the end of one year and embark on a new. So if you're up for a challenge, feel free to join in. You'll know how this goes if you've done any of the previous years, but for newbies the idea is you have a list of 25 goals that you do 25 times during the year or just a list of 25 goals to hit…
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Now for a healthier, wealthier me
Hello everyone 👋 Today I have paid my final debt repayment and because having my diary on the Debt Free Wannabe boards has been so valuable in keeping me accountable and focussed, I figured that having a savings diary would be a good idea as my next step. About me - For those I’ve not yet met, here’s a bit about my…
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Broadband suppliers: why so little competition?
My broadband contract is up for renewal and I'm feeling disheartened by the paucity of options - I want to move away from Vodafone (speed is ok but have to hard-reset the router ~ monthly to get Netflix to work). It seems like there's less choice and poorer value than a decade ago despite all the fanfare of 'altnets' etc.…
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Sealed Pot Challenge ~ 18
PLEASE READ THROUGH THE RULES AND THE CHANGES FROM NOW ON! A very warm welcome to another Sealed Pot Challenge, our 18th! Due pto the Cost Of Living, I suggest we all save in the best way possible for each of us: if some still prefer to stick to cash, then please do so. Those wishing to use debit cards, or save via the…
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Replacing immersion heater
Hi. I have an old immersion heater and both heating elements need replacing. The tank is probably over 30 years old. I've had a quote from trusted plumber to fix it which is under £300. He did mention that as the tank is old, and they can split, is probably very scaled up inside, I may want to think about replacing it with…
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Cost of eye tests ?
Just checking what people pay ? I've been quoted £120 for both an eye and contact lens test
