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Contributions Based NS ESA to UC query (not transitional)
Apols, this seems a touch complicated to me. I'm on ESA, awaiting medical assessment. I have a fit note that takes me to March 2026, so one hopes the assessment will be completed by that time! I have a query, I'm sure all the experts are aware, Cont based ESA stops after 12 months. For me that would be June. What's the…
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TV Licence article Discussion
This thread is specifically to discuss the the TV Licence article To discuss or ask a question about this article: click reply
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PCM Apple Blossom Court - Two PCNs one week apart on Sundays, IAS dismissed, refused all settlement
Hello everyone, I hope someone can help me with this private parking issue. Here is my full story from start to current situation: BACKGROUND: Location: Apple Blossom Court, London SW8 (private residential area managed by Parking Control Management - PCM). Vehicle:🚗******(my car, now scrapped). I am a registered disabled…
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Faulty freezer 16 months old
We had a kitchen extension built last year and all new appliances supplied by the company that did all the work. Yesterday we discovered our fridge freezer had stopped working, luckily everything was just softening, so hadn’t long failed. What are our rights regarding repair/replacement?
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ANOTHER notice in the SAME CP - this time its non-display due to 'flipped' ticket
So my sister found a windscreen notice because of non display of a valid ticket or permit: (to be scanned and uploaded) Reason - the ticket had flipped over https://drive.google.com/file/d/10WcAB82UNeDZiseQiKCsCVUvO1PD9iWZ/view?usp=sharing She immediately appealed (unbeknown to me!)…
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Online shop took my money, didn't send the goods
I ordered a couple of items from ONLY clothing brand in December - one item arrived, but the other didn't. The company charged me the full amount and won't refund me. They keep making excuses and their latest is that I have to return the item to get them to issue a refund. I keep telling them I don't have an item to…
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EPC with new rental contract
Can I clarify my understanding on the minimum EPC required currently to rent out your property? My friend is planning to rent his flat out next month and his flat as EPC grade E. I understand this is fine right? I am aware of the new laws coming to upgrade this to a minimum of C but is this requirement needed already for…
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Please recommend Carnivals, festivals, weekenders, fetes etc for 2026
Hi all (and a happy new year) My wife and I bought a Campervan a couple of years ago and have loved travelling the UK staying in some stunning places we had never heard of previously. However, typically, we find out about an event/carnival/festival too late to book tickets or find anywhere to stay. For example, in the last…
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Remove marks on wall
Hi Long shot on this one i feel, but i'l ask anyway! As per photo, there was a mark on the wall, so someone had tried to wipe off the mark and ended up a) creating streak marks around the mark and b) wiping off the paint so the wall is exposed. Apart from re-painting the whole room, is there a way to fix or at least make…
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Crystallised / Non Crystallised help
Hi all. Im taking out an Annuity, using some of the funds from my SIIP with Interactive Investor. I cant get my head round how Interactive work out what is my crystall/ non-crystall pots in my SIIP. With Hargreaves you see online the exact split of value and what funds are in the 2 pots. My plan is to use everything in my…
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Parking Fine at Hospital
Hi Today I received a parking charge from Group Nexus from a recent hospital appointment. It’s my fault as I hadn’t been the hospital in years and didn’t realise the arrangements. There was a 30 minute free period of parking. I had to go get further bloods done after my appointment and was preoccupied worrying about my…
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NatWest loans and mitek
Hi all, has anyone experienced issues with uploading ID to mitek after signing loan agreement? I was told to email my id to yourapplication@natwest.com on the 27th Jan. which I have done. Advisor on phone can only confirm “ in progress”
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Overpayment to end mortgage - N'Wide
I have been overpaying my Nationwide Mortgage for some years and the end is now in sight. I am allowed to overpay 10% of the original loan. Once I get into my new overpayment year (from 1 Feb 2026), my overpayment allowance will be greater than the outstanding balance. Any Early Repayment Charge would be 4%. But the terms…
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Spendy Wendy to Saver Savvy
After lurking for what seems an age, I have finally created an account and started to interact this forum :) For years I feel that we have been flying by the seat of our pants, not planning in advance, using savings and investments to pay for holidays and other luxuries and just not really having control on our finances.…
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Tax free allowance
Am one of two children- our father left everything to our Mum - bar tax free allowance! If a child wanted to claim this amount rather than carry it forward (relations are very rocky/almost non existent with Mother) where does one stand?
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Gift Card Purchases Using a Credit Card
I purchased 2 x £50 gift cards for a well known online clothing company. When I searched for this company’s gift card at the top of the page was Giftcard .co.uk so went ahead and bought from them. When looking at my bank statement they had charged me a 3% fee. I complained and was told that it was because that were…
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Collective deals missing
I am checking my Cheap Energy Club recommendations as my fixed contract is about to end but I don't see the collective deals for BG and Fuse. I see other deals from these two providers further down the list but not the collective deals referred to in the MSE newsletter. Do others see these deals or are we supposed to do…
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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…
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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…
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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?…
