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Have read through newbie thread - just checking I understand what to do first
Thanks for this amazing forum BTW. I have received a DCBL Notice of Debt Recovery, "ignore it" is the overwhelming feeling I got from the Newbie sticky post. But, the PCN it refers to is from 2024 and they must have recently realised I moved and maybe my log book was out of date at time of stated convtravention. So, I…
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"Isn't it nice to think that tomorrow is a new day with no mistakes in it."
So after lurking on other people's diaries for the last few years it's time to start my own. I'd almost paid off my mortgage 4 years ago when I decided to move to somewhere a lot bigger and a lot more expensive. It was also a project. So for the last few years there have been no overpayments as everything has gone into…
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Can I get my tax code changed?
I've had to pay tax on savings interest from the previous tax year so my tax code has been changed accordingly. I've paid the tax owed directly on the HMRC site, but I will still be paying more tax because HMRC expect me to earn the same amount of taxable interest this tax year. I've moved money into ISAs so I know I…
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Wife death - Please help with where to begin...
My spouse has passed away suddenly.. The house we live (+-£175k if matching the last sale on our street of a similar one) in is in her sole name with a mortgage of ca.£28k. She has a life insurance which hopefully will be paid off that will only cover the cost of the mortgage and funeral. Also she has a few debts,…
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Disabled access cards
Hi I've been a Nimbus access card for almost 3 years now so coming up for renewal but now there is also The National Disability card too. From my research both seem to offer different things but it seems crazy to need both so am asking for your opinions as to which way to go. I live in the Greater London are.
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Gifting Half the house and IHT
Back in 2004 my mother gave me half the house. The Land registry shows it is now joint owned. There is also a letter from the solicitor confirming the transfer is complete and that we are tenants in common with equal shares. We both lived in the house until her death. Is that enough proof for HMRC?
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Need Help
Hello, Firstly thank you for taking time to read my post. I bought a coat from Flannels online on 2/1 and when it arrived it looked like a bin bag so I returned it on 5/1 and DPD delivered back to them on 7/1. I then received an email on the 8/1 from flannels stating they had got the coat and would be in touch. Having not…
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Property insurance during probate for unoccupied flat.
I'm executor for a relative who has died, leaving an empty flat. I now need to insure this empty property until the property is sold. The funeral director mentioned probate house insurance or unoccupied property insurance. Any suggestions on how to arrange this - a specialist broker or one of the usual insurers?
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Help QDR solicitor claim on behalf of euro car parks limited
Help and advice needed. Received claim form 07/09/2023 Acknowledged 18/09/2023 Particulars of the claim. It is my car that they have identified parked but I wasn't driving at the time. Received letters for not paying and displaying appropriately in a carpark in Norton street Manchester. Did not respond in a timely fashion…
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Living the Good Life - mortgage free and living in line with our values
Evening all, I thought it was time I started a
new diary, as we've now been mortgage free for 18 months and the last pesky bit
of mortgage debt (on the 0% card) went in October. We're now almost through Mr
MV's 40th, Christmas, New Year and my 40th (coming up next week), so it seems
like a good time to start afresh and…
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Insurance definition of an injury?
Our dog has had a small lump on her ear and we showed it to our vet a few years ago, they tested a sample and said it was best to leave it but if it got bigger it might need to be removed. Recently it quickly got bigger and seemed inflamed so we told the vet to remove it, all done and we paid just over £1000. We put a…
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Help-to-Buy equity loan - remortgage + deed of postponement discussion
In the hope that
this may help others, I want to share my recent experience of remortgaging whilst
retaining the Help-to-Buy equity loan, which is still ongoing after many months.
And also to ask whether anyone else has had similar experiences? I couldn’t
find any threads on this, so please do let me know if there’s an…
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Mozillion and OTP texts
I am considering moving to Mozillion because of the EE backbone. I'm aware that some users on Spusu (also an EE MVNO) have a problem receiving OTP codes, especially it seems, if they are using an eSIM. Can anyone on Mozillion comment on whether OTP's are working OK for them? Thanks.
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Skipton BS - Member Regular Saver
I see the the current Member Regular Saver offered by Skipton BS says you need to have been a member on or before 10th November 2025. Do you have any idea how often this date is updated and by what time period? I am wondering how long I need to have been a member before I can open this member regular saver. When I say I…
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Another DB & DC pension question
Following on from my last post… I have ten years till I turn 60 and can access my Premium Civil Service pension and then need to wait until my state pension and Alpha pension to kick in (currently 67, I think). My working assumption is that I won't take the lump sum option (for my Civil Service pensions) given comments to…
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AI “play” - active or passive?
A family member (whom I help with SIPP admin, etc) has asked me for my thoughts on an “AI” play. Although on a personal level, I’d probably prefer to stick with what I know, I do want to give whatever help I can. We’re definitely not talking about individual company shares here and so I’m thinking something like an ETF…
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USS - General discussion
I am taking early retirement ( 55) from USS and will have a DB annual pension of £23k and a separate £9k pa widows pension but my dilemma is I will need an additional £17k pa for the next 4 years to cover short term additional expenditure (supporting children through uni, maintain current standard of living) and I need…
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Trying to secure a rental home
Just looking for anyone else's experience with this… Sold our house, moving into rental to then take our time looking for forever home, been told by the EA after they spoke to everyone that a call will be coming very soon to arrange completion\exchange, they told us to start looking. We thought going into a rental, other…
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CeX sent us a fake phone UPDATE
Hello this is my first post and I’m hoping someone can help confirm I’m taking the appropriate steps to sort this out. Also my nightmare with CeX may help others not get into the same situation! My husband bought a £600 second hand iPhone on CeX website for my Christmas present, on Christmas Day I opened the box to…
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Revolut £20 sign up bonus
I recently opened a Revolut account via a link that offered £20 upon my first purchase using the debit card. I added some money to the account but without really thinking just used some of that money to top up my trading 212 account but then I realised this term from the T&C's of the offer: "This must be a genuine purchase…
