-
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…
-
Plans to change what households make from solar Feed-in Tariffs 'feels a breach of pro
If you're one of the 800,000+ households in England, Wales or Scotland being paid to generate your own electricity via renewable technology under the Feed-In Tariff scheme, you could earn less in the long run under new Government plans. Martin Lewis: Plans to change what households make from solar Feed-in Tariffs 'feels a…
-
Repaying Type 1 and type 4 loans
Hello, I have student loan debt on both type 1 and Type 4 loans, coming from degrees while I was studying in England and latterly Scotland. I've been paying back since 2018 (less than the interest accrued each month of course). My questions is, how does repayment work when you have multiple types of student loan to repay?…
-
MeandO's money-shuffling
Long time member here, sneaking back over from the MFW board... Previous diary here for those that want a back story: Money-shuffling towards mortgage freedom — MoneySavingExpert Forum Although my only debt is now my mortgage I've had to shift my focus from OP'ing to building up my savings instead, so don't really feel at…
-
Kensington query
Have had a DIP for a kensington product and submitted full application. They have come back asking for information on defaults, childcare, landlord reference, wages, source of deposit and a small amount of sick pay. Is there anything good or bad to read into this or is it just standard procedure for them? I have a concern…
-
DWP RECOVERY FROM ESTATE DEBT MANAGEMENT FOR A PERSON WHO HAS DIED
I received a letter from DWP for the debt management of my deceased mum, who has been dead for nearly 3 years. It was for overpayment of pension credit over two years, 2021 - 2023. She was in a nursing home all this time. Do i have to pay it all back or can i fight the decision. Would really appreciate some help. I have…
-
Worth getting anti allergy pillow protectors?
When it comes to allergies, blocked noses etc, is itcworth getting an anti allergy pillow protector or normal one washed the same?
-
New Capita-run Civil Service Pension Scheme - problems (what a surprise!)
So, Capita have taken over the admin for the CSPS and their new website and members portal went live this week. I have just registered on the new portal and am not in the least bit surprised to find that the information available on the new portal is very scant and incorrect in terms of my length of service. With…
-
'Rich' Editor feedback.
Hi everyone We have just switched over the forum editor to the latest version, known as the 'Rich Editor'. https://forums.moneysavingexpert.com/discussion/6635222/rich-editor-help-guide UPDATE: New Rich Editor Feedback board The new Rich Editor Feedback board is now live. I've added just a couple of bugs as an example.…
-
Teetering on the brink
Where to start! My life has not been without challenges and I have had times where I’ve had a lot of debt, and times where I have had none. I always felt proud to say I have never missed a payment and always managed to get out of a sticky situation myself no matter what. But this time, I am not convinced I will find a way,…
-
Mortgage interest error - Help Please!
Any mtg advisors around? 20 years ago, we had a further advance and converted (or so we thought) the previous Interest Only portion of the original mtg to Repayment. We subsequently realised that the BSoc hadn’t actually changed it all to Repayment, they still mentioned an IO portion. We made a complaint, which was upheld…
-
Link Financial Full and final Settlement Offer Advice
Happy bank holiday Monday everyone, I have a debt with Link Financial which I have ignored for about 4 years. Before I contact them, can I check if anyone has had any recent success with Link Financial regarding a full and final settlement as I would like to see if its worth going down this route with them. Thank you
-
Make Do, Mend & Minimise
With the cost of living showing little sign of easing soon, I thought I'd start a new thread for this. I'm sure many of us are trying to be as environmentally friendly as we can be as well as stretching our budgets as far as we can. I'm putting together a To Do list towards this end and will publish any achievements as and…
-
Roof leak - repair from inside?
Over the past few months we've started noticing some leakage during periods of heavy rainfall, in an in-built cupboard in the rear back addition which also houses the boiler. We brought a roofer in to investigate, who had a look at the roof itself with a drone and concluded it must be an issue with the felt underlayment.…
-
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…
-
samsung phone locked not able access
is the any way to access the above with out having to lose all dat on the phone and any idea of cost as phone is 6 years old and sim free as it seem some tried to acess it and reird to may time to gain access
-
Judgment in default (again)
I'm in disbelief at the moment for how appalling our legal system is. My wife had a PCN which she disputed and eventually got court papers. I helped her submit her defence which we received acknowledgement of on 15 April. DQ was received and submitted in June. Have had absolutely nothing else in relation to this until now.…
-
Charged for MMS
I received a WhatsApp message with a short video and replied with a short message. I received my first bill from Asda Mobile as I only took out the contract with them recently and it showed a charge of 25p for a MMS. I need to say at this juncture that I am 81 years old and not a fan of the necessary evil called a mobile…
-
Withdrew money for house deposit from my Trading 212 Cash ISA, how can I replace it?
I have had a Trading 212 Cash ISA for some time. Last year, I moved my S&S with Vanguard from a GIA to an S&S ISA with them. I have now withdrawn much of my cash from the T212 ISA to pay down a flat deposit. As a result, I am being shown replaceable funds - amount of X, and my annual allowance with them as still 20K. Of…
-
How to deal with DCB Legal
There was an error rendering this rich post.
