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Am I the only person with Nectar Price App Issues?
When I use the nectar prices app I have to walk around the store to get it to place me inside the store and allow the shop. I have used Sainsburys wifi and my own 5g and eventually i get it to confirm my location in the store after trying every position in each isle. I get the error message "please try again later" as the…
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What's going on with universal credit appointments feeling anxious all the time
I'm getting really anxious about having a appointment in the job centre because of my health conditions, I was having phone appointments but was told I might have to go in even if its once a month, to be fair the person has been nice about it on the phone, I felt sick to the stomach when I saw my next one was in the job…
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FIT meter gives strange readings; installer gone bust!
In January 2024, I had a battery installed to work with the solar panels I already had (January 2012). This required a new meter and I have submitted manually the three meter readings required since, to E.On. They recently asked for a photo of the meter readings to verify my entries and have said that the readings are…
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DCBL Court Claim Park Maven
Hi i had a court claim for a park maven site issued against me on the 4/12/24 Amount Claimed £178.16 Court Fee £35.00 Solicitor Costs £50.00 Total Amount £263.16 Issue Date 04/12/2024 I acknowledged service before Xmas but when is the date I have to file my defence by ? Am I too late ? Could someone work this out for me ?
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Many people may not realise how much we are being ripped off!
The point of the post is to highlight something people may not know and to see if we can share water saving tips, which saves money & the planet! We received our biannual water bill last week and it had increased an eye watering 278% since last July. We have always been in a water meter and we really are baffled because we…
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eBay testing "Extended Bidding"
I've not seen any mention here, but it appears that eBay is testing "Extended Bidding" (i.e. extending an auction's end time by 2 minutes if a bid is placed within the final 2 minutes). It's not clear from the description whether this will keep happening each time a bid is placed (in which case, theoretically, an auction…
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flea treatment for cats
My cat has fleas. I bought a flea comb and have found a few on him so far. One of my daughters was getting bites on her ankles at night and saw fleas last week. Can anyone recommend a flea treatment? There seem to be a lot of different ones and it's hard to choose, also they seem expensive for such a small amount of…
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How do you track your finances?
Recently, I've been playing around with various different means of tracking my expenditure, my pension planning etc. I tend to use three main methods. My go to, is my own spreadsheet, with all planned expenditure, every investment etc. The downside is it's quite a manual procedure and it's easy to make a mistake. It also…
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ESA 98 Letter
I was trying to find a template of the above letter online but cannot find an identical layout is anyone familiar with the above letter ESA98 About Your Employment and Support Allowance your payments are changing Has anyone seen this before?
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My Annuity Purchase
I have just
purchased an annuity. I thought I would post the story in case it helps anyone
considering one for themselves. I am 60 and
retired. I have a good sized diversified portfolio, sufficient to provide for
my needs and reasonable wants for the rest of my life. So I took a look at some
of the things that could…
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how to get this as not see on prefernces
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
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Starting a DMP? Help please!
Hi all, So I’ve been on with step change who have recommended a DMP for my debts. Here’s a list if needed: NatWest loan - £4500 Aqua credit card - £2500 Zable credit card - £1000 Very catalogue £800 Monzo over draft - £400 < although this doesn’t cost me anything so I’m not sure I want to include it as a DMP? Now I’ve…
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Hodge Bank and/or Modulr Finance Ltd 04-29-05
MSE currently mentions Hodge Bank as a good home for Easy Access savings. But when opening an account the sort code specified is 04-29-05 Modulr Fs Ltd, which seems to be some e-Money outfit I've never heard of. Furthermore Modulr is NOT covered by the FS compensation scheme. Hodge is covered by FSCS, but exactly with whom…
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22 Foxhole East
I just made my first mortgage overpayment. We bought a 5 bed Victorian terraced house in the East Midlands in April 16 that has been badly neglected. It needs everything doing, it has been let out on a room by room basis and used as a rental machine. Now it is our family house (4 kids = one bedroom each!!). So far I have…
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UKCPM penalty charge
Im a amazon flex delivery driver, I briefly stopped to deliver a parcel on one portal way on the 26th July, just seen i have a penalty charge today. I called them and asked if loading/unloading is allowed and they said not on the double yellow lines, admittedly it does state that on the sign. Is there anything i can do…
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Increasing pension contributions v paying into stocks and shares ISA
Hi all. Would appreciate some advice for future investment strategy involving my pension given the tax relief benefits. In short, is there a tool I can use to compare the returns based on investing in tax free stocks and shares ISA v increasing pension contributions with 40% tax relief, 25% tax free drawdown aged 58 and…
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Thomas Cook change hotel
I booked a package holiday with Thomas Cook. The hotel has told me that they cannot longer accommodate me due to refurb work and that I’ll be offered an alternative by Thomas Cook. The flights depart in 2 days and, although Thomas Cook are aware of the situation, they haven’t offered an alternative hotel. I asked Thomas…
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Government Bonds V Annuity
Hi, I have been looking at Annuities a little more as I get closer to pulling the pin and retiring. Probably as I am relatively young (will be 58 by the time I retire) the annuity quotes I have been getting are ok but not great. So I thought I would look at an alternative angle. The Coupon on the longer term government…
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Buy To Let or give up
We were sadly 8 weeks down the process of selling/buying and our house sale fell through, buyers personal issue. Estate agents for the house we were purchasing have given us 2 weeks grace to get another buyer. Not been the easiest property to sell so this is highly doubtful. We are totally devastated. What other options…
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Small Claims Track hearing
Hello everyone, im wondering if anyone could help me this please. Last year in August 2024 I received a letter from DCBL stating I had received a CCJ for a parking fine that I was unaware of. After advice from this forum I filed a N244 application and went to court in January, which I then got the CCJ removed however the…
