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SPUSU - PAC transfer - BEWARE -EXCEPTIONALLY SERIOUS RISK
After checking it on this site, Via SPUSU's website, I ordered one of their SIMS and made the SERIOUS mistake of inputting my PAC code for retaining my current phone number to their new SIM. They posted the SIM to me and Royal Mail delivered it to the wrong address, where the occupant took it and tried to activate the SIM.…
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No claims discount
Hello , I had a car accident recently to which i have admitted responsibility. The other party involved has made a claim for damage. I got my insurance renewal today and the price has increased nearly 50%. I have been on a comparison site to see if I can get a better price. When it says how many years NCD do I have what do…
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Royal Mail - no sign
We have had no second class mail delivery for almost two weeks...First class gets a delivery from a van (every two days)- but they appear to be having problems recruiting postmen in our area, so don't bother........I am waiting for medical stuff from the hospital with no sign of any delivery ..Royal Mail do not deserve the…
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Proof of Funds - old savings. Is PoF a system that Martin needs to look at.
I'll try to be brief! I'm in my 60's & worked in an industry at quite a high level for a shop chain & then another part of the industry through the 80's & 90's - both companies that haven't existed for a long time now. I then ran my own business in the same industry & was saving to try to buy a house without a mortgage. I…
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Shared ownership
I know this will probably get asked all the time but thought I'd ask for specific advice to my circumstances. Single living at home with parents. Looking at a 1 bed detached bungalow, 25% share for £63,750. I plan to put £20,000 deposit down. I'm really keen as this is such a rare find and actually affordable Should I go…
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Vehicle into front wall
Never thought id be writing this but a neighbour has reversed off their drive, over a rockery and large bush and then into my property. They have damaged the front wall/ windows and pushed a radiator off the wall. You could see the vehicle through the wall! The vehicle was brand new (75 plate and had just picked it up) it…
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Top Easy Access acs Ranked: Top of The Pots - **No Chat**
I've had a few suggestions/requests to start a separate 'No Chat' thread, as the ToTP list gets drowned in 'chat' in the 'Top Easy Access discussion' thread. The aim is to maintain an easy-to-find ranked list of the c.Top 10, available to open & manage online, Easy Access accounts, with links. The purpose of this thread is…
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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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Couple of DRO Clarifications Please
I have been trawling through the DRO posts trying to find a definitive answer to a couple of questions regarding starting one. But unfortunately, I have surrendered and decided to post the questions myself, apologies if I have missed it somewhere 1. I have a number of overdrafts which I have not serviced for at least six…
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Moved: Lack of response from GivEnergy
This discussion has been moved.
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USS benefit modeller accuracy around the 'cliff edge' before 60
I have a query around the USS Benefit Modeller and its accuracy in the Defined Benefit projections before and after age 60. I am looking to retire from my institution around age 60 (Nov 2026) and am using the Modeller to gauge options for leaving either before 60 in summer 2026 (I have concerns around getting the push at…
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Stamp Duty Land Tax for non resident
Hello. I am getting such conflicting advice and wondered if someone can help. Situation - uk citizen living abroad on 2year work visa. buying a property in uk as buy to let (only way to get on the ladder at the moment - its complicated) 1st time buyer, dont own any other property. I believe person only has to pay 2% non…
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Letter before claim
Hi all I received a letter before claim from Moorside legal. This is dated in September. I have not responded to this as there is no mention of a 30 day window which I have seen mentioned in the newbies thread, so I assumed it was not a ‘real’ letter before claim. I have not received anything since. Should I continue to…
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Debt Free In Two Years - It's Now or Never
Hi everyone I’ve been around these forums for a long time, but have been very sporadic for a while lately. The debt is still there and hasn’t been dealt with - but I honestly feel that 2025 is the year I get debt free. My OH and I have just finished paying a large loan that we’ve been paying for AGES. Before this we had no…
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10 years to clear £334K - our FIRE journey
We bought our house late 2014 and have been (very) gradually doing it up. So far we have replaced the roof, oil tank and boiler and completely refurbished the study, living room and one bedroom. We have three bedrooms, bathroom, kitchen and utility still to go. We recently re-mortgaged and have released some equity to do…
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Mortgage pre or post house purchase
Hi forumites, I'm hoping for some advice. I have put in an offer for a house and have a buyer for mine. I can purchase without a mortgage but will need one to do work on the house. When is best to apply? Should I do so before purchase (I have an AIP) or wait until I've moved in? tia
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Being pressured to resign from job that never existed
Hi, In june 2025 (its now Nov 2025) I applied for a job with a UK defence contractor (call it "zzz"), via a recruitment company , lets call it "bigrecruit". The recruiters name was lets call him "john smith". The job first collapsed, then didnt start, then i was given a new start date....then it collapsed again....then i…
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Manifesting Money Magnet
Well, hello there, 👋 Be diary, new me! ✨✨✨✨✨✨✨ I'm starting a thread on the mortgage fee wannabe section because that's one of the things I really really really want to be! I have been a member of the forum for over 10 years, rather on and off mind, but had to change everything when I was found out. So I'm back new times…
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Cut off time to avoid overdraft or interest charges with Nat West bank
Does anyone know latest time money can be paid into Nat West current account to avoid overdraft or interest charges? I have asked their digital help but not got sensible answer. Told me how charges calculated but not cut off time to avoid these
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Future UK share dividends and tax code
Finally got my OH's tax sorted out recently. They owed overpaid tax for 23/4 & 24/5 on overestimated bank interest whilst my wife owed them a small amount due to the reduced share dividend allowance in 24/5. They have altered her tax code for the rest of 25/6 and included an estimate of the amount of interest to be earned…
