-
Car insurance in a hurry
I am buying a new car, and I’m not trading in the old one. I need insurance for the new one, but I need to keep the old one insured until I can sell it. That could take a few weeks. Also, the premium on the new car is going to be around 4 times the old premium. I’m supposed to pick the new car up next Wednesday, but…
-
HL Active Savings Cash ISA
Does anyone have any experience with Hargreaves Lansdowne savings platform for fixed term cash ISAs? Specifically, a) how long do you have to fund accounts once opened?; b) you don't appear to be able to transfer in from other cash ISAs to them but I presume you can transfer cash to their S&S and then move it to a cash…
-
Claiming Pension Contribution refund 2024/25
My daughter has maxed out her pension contribution to cut her below the £100K 62% killer rate. Her salary was inflated on a one-off basis by a buyout/bonus The contribution was made outside of her firm's salary sacrifice and the pension scheme does not apply the 20% contribution.She's been on PAYE and now and will now need…
-
LHV Bank?
I'm looking for an easy access account with a decent interest rate. From the list of current accounts on the main website, LHV Bank appears - it matches the BoE base rate for interest (currently 4%). It's App-only, which I can live with. But, when I look at the fees rates charges document, it seems to state that standing…
-
A new royal start
I mmmed and ahhhed about whether to start a diary on here or not. However, my head hurts with all my internal planning, so I thought I'd give it a go! I cannot promise excitement though! So here goes... we bought our house almost 6 years ago now and stretched ourselves quite a bit to get it (in the expensive South). I…
-
Travel insurance query...
We currently have an Annual policy which expires January 2026. We have almost completed booking all steps - flights, hotels, transfers etc - for a trip that starts AFTER our current travel insurance expires. If we buy a new policy - Annual or single trip (Annual is now prohibitively expensive, with pre-existing…
-
Another DCB/Smart Parking Case
Here's another case with DCB and 'Smart Parking' not being so smart. I've gone through the usual path to this point, but wanted to document it here for everyone. This was for me parking whilst visiting my brother almost two years ago. I have an invoice from RingGo for this session for the time I was there. I'm pretty sure…
-
LLyds bank Suspect fraud.- They want me to go to branch ! HELP!
I have a bit of social anxiety regarding this hence asking, please assist as you can xx In the UK I made an online payment of £450, to the sellers account number and sort code. This is the First time I made this payment to this company, it is legit and I know who they are. I entered their sort code, account number and…
-
Lease provision for admin costs of recovering service charge arrears?
Hi all Hopefully a quick question - by your reading of it, does this lease contain provision allowing the freeholder to recover admin etc costs associated with service charge arrears? Any thoughts gratefully received. Thanks
-
Santander (credit card) rejected Spotify fraud claim and ignoring my appeal
I noticed Spotify payments on my Santander credit card on the 1st November. I have never had a paid Spotify account. The Santander online banking is a bit limited for how far it goes back but I could see it had been months. I contacted Santander. They blocked future payments to Spotify and put in a fraud case. They stated…
-
Zopa Current account
I just logged into Zopa and it's offering current account states beta. Not available to everyone yet. Had anyone applied, any issues/reviews. Do they carry out full credit check or soft checks. Thanks
-
A new chapter, An empty nest, Drama school & Last year of Uni
I've been on these boards for many years and a long time ago did start a diary when we'd had a windfall and cleared some debt and I'm not sure what happened but 'life' got in the way. Today starts a new chapter of my life as my youngest has just left home (albeit temporarily) for her to access a drama course in a different…
-
The 365 Day 1p Challenge 2025
This challenge has been running for a number of years and is so popular I have agreed to run it again in 2025. If you wish to join please post on this thread and I will allocate you a number which should be quoted when you update on your progress. You can do this either using cash in a jar or virtually by transferring to a…
-
Car Insurance Check
Hi, I'm curious how car insurance works when you insure the car with a driver who can drive multiple vehicles. I am insured on my and other halves car and both our policies permit we can drive another persons vehicle with their permission - reasonably straight forward. But if I were to drive someone else vehicle who…
-
Merchant ships defective goods from China but return address is in the USA
Hi all, I'd just like to check what my options are, I've made the mistake of ordering goods and paying by debit card and not credit card. I was sooo angry with myself when I realised. Anyway! I purchase some frying pans from Shop.novara.com and they were shipped from China, which was fine, but they arrived with defects. I…
-
Australian visa. Delay. Contacts?
We applied for Australian tourist visas mid November. All we have had to date is acknowledgements saying they cannot be finalised. Unable to use immi to view status it wont recognise the ETA application number. We have had no emails. We are due to travel soon.Tried calling australia for update to no avail (2 mins cost £8),…
-
DCBlegal Letter of Claim just received
Hello, I've just received a letter of claim from DCBlegal ltd. They outline the 30 day period and its £170 charge blah blah. I've searched the forum for the email address to send the templated response to and came up with: info@dcblegal.co.uk is this correct? I'm happy to take this all the way as the PCN was sent to my old…
-
And now we go again...
...new diary title taken from the line I had already added in to my signature! Regulars will already recognise me - I've been here a while, although aside from one fairly short stint always on the DFW boards. A quick summary of our MSE history for those who have not stumbled across me before though - started out with a…
-
Help please! - Severance of joint tenancy with unequal shares
Writing this for a friend, names have been changed! Does anyone have any experience of serving a notice of severance of joint tenancy when the split should not be 50/50? We want to state the desire to sever joint tenancy and ideally become tenants in common (as he refuses to remove himself from the deeds) with an unequal…
-
Principality BS problem opening account
I tried to open the 7% Principality savings account which runs for 6 months, online a few months ago. It took me 3 or 4 attempts filling in there forms to open the account. I dont know if it was there system or because of my bad internet connection. Eventually I got an email telling me I had opened it with an account num.…
