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Car insurance renewal problem - can anyone expert please advise?
Hi all, I was execptoing my renewal quote, but my current car insurer wrote to me saying 'Unfortunately, with the information you have provided we are unable to provide a competitive quote for you on this occasion.' They insured me this time last year. Since then, the only incident I've had is an accident on the motorway 6…
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Rolling Down the Green Hill Towards REtirement 😊🌄💚💜
Happy New Year!!! As our MFW journey finished back in July 2015(wow!) on our family home and Apr 202 on our BTL (because we sold it! :D ) I thought it was time for a new diary (seeing as some others are doing it, I thought I'd also jump on the bandwagon 😉 🚙) and the new year seems a good time to start. Back when I started…
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Building Insurance for Leaseholders - misleading advice ?
The Home Insurance article in last weeks tips email stated “…..buildings
insurance is usually only for freehold homeowners (otherwise it's generally the
management company's or landlord's responsibility…..” Surely this is dangerously misleading ? I’m not sure what is meant by “Management company” – we pay £15 per annum…
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Planning retirement
Not the boring financial stuff, but how much effort do you put into planning what you will do in your retirement? And maintaining that plan when you're in retirement? For those retiring or thinking about retiring in the next year or two what are your big plans/adventures, because I find that if you don't have any people…
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Party wall loft conversion, unresponsive neighbour
Planning a loft conversion in our 2 bed mid terraced house with a well known and well regarded loft company. Neighbours on one side very straightforward signed the party wall notice. The other side more complicated. We had a good relationship with the owner, an elderly lady who unfortunately passed away earlier this year.…
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Five Year Fix, Five Year Plan
I've not even got a mortgage yet, but here I go. I'm finally getting on the housing ladder and settling, after living around the country for the last decade. I've been in a position where "I'm just about to buy" for about 8 years for various reasons, so while I've not spent well, I could have saved better instead of…
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O/S Daily December 24th 2025
Good morning
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Frozen USS pension query
I have a frozen USS pension, built up over 8 years and I left in 2013. Since then my modelled projected payments (both annual and lump sum) have not increased at all - they are literally frozen in time. In reality when I come to claim the pension, will inflation over these years be applied? Otherwise it defeats the point…
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Is your heating ON or OFF?
hi just wonder how many of you have put the heating on yet i was going to wait untill november but my 7 year old dd woke me up at 430 this morring saying she was cold i swear i saw steam coming from her mouth so i got up and put it on the house was cold though and my ds has woken up a few time durring the night to (his…
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Amending probate value? House damaged during administration period before valuation
Hello, my first post here. I have not needed to post before because I have gained so much useful information from this forum during the two years since my Dad's death. Thank you to all those who have posted the information that has helped me navigate what needed to de done post death and to obtain probate (Letters of…
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Jump to a ltd company
Hi, I posted this before in another thread, but it was becoming too much into one thread, so I thought to open a dedicated thread. In a few words, I think I'll open a company to expand my "employment" possibilities, considering that in my field a full time employment is shrinking dramatically. A ltd company is not my best…
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Using Santander App for Cahoot only (Android)
Good morning, So, I've just discovered through here you can use the Santander App to log in with your Cahoot details, even if your don't have a Santander account... I already set up a nominated bank account for transfers (back to one of my other bank accounts) However, I just tried to do a test £1 payment transfer out into…
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Defaulted notices
Hello, I have now received default notices from 3 of my creditors be NatWest, 118118 and Updraft. All asking me to pay a specific amount by end of October . I will be leaving the country in few weeks time. Do I have to write to them back or wait for more letters? I have also set up a new address for them to send letters to…
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Experiences of Moving from BT to EE
I am with BT broadband and received an email offering me a faster speed for a slightly cheaper price than my current deal. I phoned up and they told me that they had an EE deal that was even cheaper. This was on Friday and the new router arrived over the weekend. I haven’t yet unboxed it. i have since looked online and…
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Trading212 low cost Ftse Tracker
Looking for a world tracker on Trading212 I have a HSBC FTSE All World Index Class C - Accumulation (GBP) on Iweb but the £5 fees are can mount up over the year. , Can anyone recommend a similar low cost fund which I can purchase on trading212 which I can purchase within m S&S isa .. Thanks
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Utilisation Ratio
Hi team, Don’t think I’ve seen a consensus answer to this: how much of your limit should you use on a given card (0% on purchases, or Balance Transfer, or Money Transfer)? I’ve heard 50%, a third, or even the full 90-95%. Assume that don’t want to decimate my credit score, and that I will need to apply for new cards within…
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Stopping not parking
I have read the newbie thread. My circumstances are not (from what I can see) fully covered there - if there is a relevant thread, perhaps it could be linked from there? My issue relates to "stopping", *not* to parking. I have received a "Parking Charge Notice" from a BPA member. They say their reason for issuing a PCN was…
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Pizza Hut/ DCB Legal/ MET Parking Claim
i would appreciate help in fighting this Court claim, i visted Pizza huit in hayes and did not realise it was closed, i went to the front door to check if it was open and then sat in the vehicle before leaving the car parking not realizing that i was meant to register my number plate in store, which in obviously could not…
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Mortgage less than 25K
Does anyone know who offers the smallest mortgage? Nationwide & Santander offer £25K. Thought I would ask the forum save calling lots of building societies and banks and stuck on hold for ages. Need to get a mortgage to access the LISA would like a £10k but anything under £25k would be good. Thanks for your help
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15months to debt free - I hope
Well I thought it was time I started a diary having put my two pennorth into several others. Brief bit about me. I am a retired careworker having done other things as well. I have a husband who has mental health issues and 3 old dogs. A 15 year oldJack Russell X who has heart and kidney failure so I am not sure how long we…
