-
Which car battery booster/jumper?
Could do with getting one. I've seen a NOCO one at £79 on Amazon and another which Amazon apparently recommends, OPENAI I think the brand was, at £29. Is there any reason to look at getting the costlier ones or just get one of the cheaper units like the £29 one? Both our cars are 2ltr diesels. Last car was a 2.2 diesel.…
-
Got a Court Date mid Jan - Witness Statement Advice Needed Please
Me and the driver went to have a curry back in Feb this year and ended up with a parking fine. So we were in a restaurant/pub we'd been to before on 25th Feb in the evening. We spent about an hour in the restaurant, just the 2 of us. In April we received a PCN dated 15/04/24. Saying we'd failed to obtain a permit in…
-
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…
-
Getting FIREd up 😀
After two years keeping calm and carrying on, now feels like the right time to move on and start getting FIREd up instead 😀 Summary of the last two years: Was working for a plc, decent money but putting in a lot of hours, very little support from the business and pretty fed up with always being sent out to do battle for…
-
What to do with mums finances as LPA as she goes into Nursing Care?
Can anyone advise what to do for the best- Mum saved diligently all her life, worked hard as a primary learning support teacher, she's been mentally ill last few years (I've done my best to care for her, had to give up my job and take my meagre pensions early as she lives far away and been splitting my own life 50/50 at…
-
Is it difficult to drill a hole in brick on outside or house
Hi folks, I'm thinking of getting one of those video doorbells and will probably need to drill a hole on outside of house as I believe the bell mounting backplate has a few holes in it to fix probably small screws, not that deep. Though I have a few drills, to be honest I'm not that handy with it and don't want to make a…
-
Balance transfer layered on a balance transfer
Have had a flick through small print but can't work out what the impact of this would be so seeing if others have lived experience to confirm. Used a 0% BT to Barclaycard for 18 months which has 12 months still to run. They've now increased my credit limit and made the same 0% BT offer (18 month) which in theory is good…
-
Teams - help with spam
I keep getting chat invites on Teams from attractive women who don’t know me. I block them and report them as spam. A few hours later, I get an email from an AI bot saying that it has reviewed the chat and decided that there’s nothing wrong. Obviously, I could just ignore the messages entirely, but the traffic is building…
-
Beware Mickey Mouse Mortgages from Lloyds Bank
Anyone trying to overpay a mortgage from Lloyds Bank should check every mortgage payment from day one carefully. We have had a roller coaster ride, including our mortgage term unilaterally increasing by 5 years, within a 3 month period, that resulted in 13 years of mortgage under payments. This is not noticeable unless you…
-
Autumn Budget 2025: Martin Lewis' instant reaction and analysis
The Chancellor Rachel Reeves has announced a raft of changes to income and property taxes, cash ISAs, benefits, transport and more in her Autumn Budget today (Wednesday 26 November). MoneySavingExpert.com founder Martin Lewis has shared his instant reaction and explained what the changes mean for you, and we've added more…
-
Claiming gift aid tax relief on previous tax year (higher rate PAYE)
Good morning, Before I call HMRC for the 3rd time, can anyone please help by confirming whether I can claim gift aid as a PAYE higher rate tax payer for the 2024/25 tax year? I have been pushed into the higher bracket due to unearned interest. This was by about £1,570. I made a donation of £1,300 to a charity using savings…
-
Joseph Ray Road, London E11. Parking Control Management UK limited (PCM Ltd). Trace Debt Recovery.
I received a Parking Charge Notice (PCN) for stopping for less than 30secs to pick-up my wife on Joseph Ray Road, Leytonstone, London E11. There are criss-cross yellow lines painted on the road on the part where I stopped for less than 30secs. However, it is NOT a "Yellow box junction" as it is not a junction and there are…
-
Victorian Plumbing - refusing to collect items incorrectly described and pictured
Hi all, I'm looking for help with where to go with this. I ordered a vanity unit with sink and a toilet with unit from Victorian Plumbing for 429.99. The units I have received are grey, although the images on the website are black and they are described as matt black. The item can be found on their website named Cove 550mm…
-
Help with defence please.
Got claim form for DCB legal for not parked correctly within the markings of the bay or space. Had my disabled daughter with me so was stressed. She doesn't have a disabled badge as she isnt psychically disabled, but mentally. ADHD, borderline personality disorder and learning disability. I don't know if that's a defence…
-
Remortgage Issue
Hi, I’m going through my remortgage, the problem isn’t with the remortgage itself, it’s to do with my old solicitors who I purchased the house through they’ve put an application on the title of June this year without my knowledge as the land registry had put a restriction on the title, which they’ve then tried to remove…
-
Great British Invest off or Passive V Active Updates
For those who are curious to compare their Passive or Active investment strategies I'm starting a new thread today with monthly updates (Bottom lines only in £). For details see https://forums.moneysavingexpert.com/discussion/5719517/great-british-invest-off-or-passive-v-active-discussion Monthly updates on portfolio…
-
Debit card due to expire
One of my debit card's expiry date is 12/25. From my experience a 'new card' would be posted to me (automatically, ie I do not need to any actions) and until 12/25 or I activate the 'new card' , the current card will still be active and I can still login to the bank using this card? Is this correctt? and is this how all…
-
Feeling stuck: builder falling behind and company facing strike-off, what should I do?
I need advice on what to do about a renovation project that has gone badly off track. We hired a builder to manage a fairly large project that should have been completed by now, but it’s only about halfway done and progress is extremely slow. At the start, the builder was very responsive during quoting and early…
-
New £12,000 limit on Cash ISA
Ok so in the future we will apparently limited on how much we can put in a Cash ISA. Apparently we will still be able to put a total of £20,000 in a ISa but £12,000 in a cash ISA and the rest I presume in a stocks and shares ISA. if that’s the case then how are we limited other than by the range of companies we can use.…
-
Class 3 NICs as a company director
I started up a Ltd company this year and because I have already previously breached my £12,570 tax allowance, I'm not paying myself a wage. Normally, under these circumstances, people would pay Class 3 NICs to ensure pension contribution. Except that I don't need to as my pension is already full (Although I'm in my mid…
