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House price article
https://moneyweek.com/investments/house-prices/britain-house-price-crash-is-coming Interesting reading. Probably about time we had an "adjustment", we have been looking to move for a while, but houses in general seem to be way overpriced? Personally not too concerned if house prices do decline, and I would rather see…
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Cabot and Lowell
I would really appreciate some advice as I don’t know the best way
to go about this. I have 3 debts I’d like to pay off. 1. HSBC loan from 2009. Went to Myling Europe (?) in 2014. With
Cabot now. £8515 2. HSBC credit card from 2009. Went to Myling Europe (?) in 2014.
With Cabot now. £1617 3. HSBC (loan or card?) from…
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Advice around Alleged Fly Tipping Offence
Hey all, Looking for some advice here please! Last week I got a call from a mobile number, he didn’t introduce himself but jumped straight into asking personal questions about my identity and address. Ofc I pushed back and asked who he was and where he was calling from etc. He then said he was from my local authority and…
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Lenders you can remortgage with, within 6 months of owning the property
My daughter , First time buyer won a house at Auction .We have lent her some the money so requires to eventually get a mortgage to pay us back.We've read most lenders require you to of owned the property for 6 months plus before they will lend??Ive read Santander will lend before the 6 months but not confirmed this . Are…
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Taxed car using v5c/2 logbook still on previous owners name. Who gets tax refund?
Hi. I purchased a car from a fellow car dealer who just gave me the logbook as I am also a part time motor trader, so I didn’t want to add another owner onto the car. The logbook still has the previous owners name /address on it (the guy who sold the car to the dealer) I was planning to fill this logbook out and send it…
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Potted bay tree going to pot
My pyramid bay that I've loved for 6 years has succumbed to the dry heat, hardly any rain for 3mts. It's been watered and seems thoroughly but I can't get it out of the pot to check for a problem. The small end stems are dying now, more than half the leaves brown and it's beginning to get bugs in the foliage buds. I'd…
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HMRC SA and transfer of MArried Allowance
Hi, I don't think this is necessarily the right forum for this, but wasnt sure where would be better as I know many on here are very knowledgibla. My wife has transferred 10% of her zero rated tax allowance (Married Allowance). This was set up a year or two ago and has worked so far (with a but of help from HMRC). I did my…
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UKPC car park - Gym Group 15 min overstay
Hi, I received a parking ticket from UKPC while using the gym at The Gym Group for overstaying 15 mins, 12 am - 3:15 am. Most of the time I was the only car in this large car park. I had a slightly longer than usual gym session. I provided them with proof I was at the gym the whole time. They've reduced it £20 but I still…
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Questions on DMP
Hi Everyone!! This is all new to me and my husband, we know nothing about DMP apart from what we've read only. our situation is ; .90k in debt- loans and credit cards - (no car payments or anything) . 4 young children - 8yrs and under. . husband self employed . I am employed and I clear £900 pm . . we own our home-…
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If You Have Registered For A Call Back Look Here
There are a couple of messages showing in on line tax accounts and
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Millets/jd sports missing item from parcel and legal form
Hi first post here. Issue is Millets owned by JD sports is regarding an online order I placed which has one item missing from it. It’s taken me ages to get hold of someone to deal with this, two items were due to arrive a cost and a rucksack, only the cost arrives. On finally getting hold of someone they say they have to…
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Kudos to Argos
We bought a Freesat box in October 2023 and over the last 2 months it had started to become unreliable, turning itself on or off randomly and sometimes having a purple overlay on the picture when turned on! I tried factory reset and software updates without success. I took it back to our local Argos and after initially…
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Mistake by payroll department with Tax Code
I’m helping out a friend who has recently started to receive her state pension in June. Her tax code was changed to take the state pension into account and is 32LX. All correct so far. Her June payslip correctly used the code and her payslip shows Tax Basis as Week1/Month1 so all good in June. Unfortunately her July…
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Close an absolute Trustcontaining life policy
A life insurance investment bond was moved by its owner into an absolute trust for a grandchild.The trustees wish to pass the bond into the control of the only beneficiary without cashing it, but are told that this cannot be done as it is held in an absolute trust.Can anybody explain more, please, or advise on how to…
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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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iFAST Global Bank - anyone with experience of this UK regulated bank?
iFAST Global Bank - https://www.ifastgb.com/home Does anyone with experience of this UK regulated bank? It looks similar to Revolut in terms of the currency and money transfer services offered but, unlike Revolut, it has a full UK banking license and offers several competitive savings accounts in various currencies.
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Are we expecting the BOE Base Rate to drop to 4% on 7th August?
Potential for 4% by year end?
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Lifetime Mortgage
Hello! We are considering a Lifetime Mortgage. We have a lovely house in a city which is highly unlikely to ever see significant price drops, but stupidly, due to earnings (low!) we have an IO mortgage. I'm 61 and my husband is 68 and retired and we are worrying about how to manage when I retire - also I want to retire or…
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Heat pump quote
Hi, we have received a heat pump quote from Octopus and wanted to get the thoughts of forum members if its worth the switch. Using gas boiler currently, with heating turned on only if necessary, consuming roughly 4200 kWh a year as ours is a mid terrace property. The quote is 2.9k for eco and 2.5k for the turbo version.…
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Cancelled
Cancelled please
