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The final countdown to June 2026
After +15 years of lurking on the site l have finally decided to create a MFW diary of my own. A brief-ish history 2009 took out current mortgage a tracker with FD, +0.79% base rate, allows fee free unlimited overpayments, and crucially, withdrawals upto the original amount borrowed. Thanks to your inspiration, super low…
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Infrared Heating for Home
Not sure the best place for this and a quick search showed only posts from over 10 years ago for IR heating. I live in a flat in a converted church. Solar, heat pump and gas are all out of the question. We have old electric panel heaters (dunno if I'm using the right name really) but they are Consort, 2000KW I think and…
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Rental Application
Good evening, I am a bit worried as looking to rent again but back account is nearly £500 overdrawn I am on benefits, I have a guarantor and can give reference letter from landlord, and obviously show benefits statements. I am really worried they will ask for bank statements as then they will see the overdraft, I do pay…
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Better Kitchens
Hi Anyone used this company to buy a kitchen. https://www.betterkitchens.co.uk/?gad_source=1&gad_campaignid=20419170643&gclid=CjwKCAjwuO_QBhAWEiwAIkVhUyzuyel3MPQTC6BPhAJPL5JX0EIdBOiUEzIXGGKsFfzwSTe83dEzABoC8oAQAvD_BwE Any good? Wgats yiur experience been like? Thanks
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Green, ethical, energy issues in the news
MSE Insert: We've seen some debate on this thread about the relevance of some posts to the topic. To ensure the thread remains on topic for forumites wanting to discuss the latest news we're asking that all posts contain a link to the news you're discussing. For the purposes of this thread the "news" needs to be within the…
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I need help
Hi i have an ongoing saga with a builder who is acting in behalf of my next door neighbour. Just a background to my situation, i have moved back in with my mum along with my husband and two kids as i am applying for a mortgage to a seperate property. My mothers english isnt very good so im dealing with this matter for her.…
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Shawbrook Bank - Ignores undelivered maturity emails- assumes you've received them.
I've just been reviewing my savings accounts and found 2 cash ISAs that had matured back in Jan 25 & Feb 25 but where I haven't received any maturity communications (either by post or email) No letters or emails offering me any options like they've normally done over the many years I've saved with them. I went online and…
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Item not dispatched
Buyaparcel is a big seller on eBay. They have sold nearly 3 million items. On Wednesday I ordered a Makita tool from them for around £100. I needed it fairly quickly and eBay indicated that delivery would be between Friday and Monday. By Friday there was no indication that it had been shipped, so I messaged them to ask…
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Buy now vs buy in a few years?
Good Afternoon Everyone, I have a question regarding whether I should buy now or rent for a bit longer to save more money and increase my deposit. So I have just seen that Santander do 2% deposit mortgages currently, and with that I would be able to buy a house in the latter part of this year. But I am wondering whether it…
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Water Damage from Other Property - Leasehold
Hello. The property upstairs is managed by a Letting Agency on behalf of the owner. Several months ago this agency arranged for plumbers to replace a water heater and water came down into my property because they didn't drain it. I lost electricity for several days whilst it dried out and then they replaced the mains fed…
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Ocean Parking - Manchester Metrolink - Parked after operation hours
Hello, I received a private PCN operating for manchester metrolink after not realising I'm not supposed to leave my car in the car park (sale station) after operation hours (whoops). I've read the newbie post and this post where from the same company the appeal was successful: I'm very new to any kind of appealing parking…
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LLoyds/Halifax ISA Cashback Offer question
Hello, Was too late for the Santander offer, too many issues reported on here for the HSBC and i was cutting it late requesting the HSBC transfer before tomorrow's deadline (if anyone who replied to my previous post asks). 3rd time lucky for this offer i guess? I've seen the next cashback offer is LLoyds/Halifax, however…
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Is 4k the going rate for fitted wardrobes?
Feels like we're just getting through a long list of big DIY projects, two bathrooms and now onto landscaping the garden in less than 2 years. One major niggle which we haven't been able to justify cost for is a fitted wardrobe solution for our main bedroom. It has space and a rail/shelf already but in order to make the…
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British Gas back billing
I’ve been a BG customer for many years and have switched tariff with them a couple of times during that period. I pay by DD every month. last year I noticed that BG had not cut a statement since March 2024. I contacted them and they said there was a technical issue with the smart meter (I had daily gas and electric usage…
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DCB Legal Court Claim
Hello everyone. First time posting. I know there are numerous threads on IPark and equally dodgy parking companies, but I would welcome some advice. The Car Park for my doctors surgery was handed over to IPark on the 1st Feb this year. On the 2nd Feb, I visited the doctors for a blood test. I arrived and attempted to get a…
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Age 57: ISA bridge or pension top-up for early retirement?
Hi folks, I’m 57 and trying to plan seriously for possible early retirement or semi-retirement. My aim is not to work full-time beyond age 62, and possibly earlier if realistic, partly due to health concerns. I own my home outright with no mortgage and only have a small remaining interest-free debt of around £1,000. I have…
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Octopus Fixed Tariffs 2026
Octopus 12M Fixed January 2026 v1 Is now current offering. Mostly increased I think.
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Investing in uncertain times and diversifying
I was speaking with someone recently and they scared me with talk about the Iran war and everything happening globally. It made me panic sell my holdings, not at a loss, but I reduced my profit. I had over £300k in index funds. What do others invest in during times like this? I do want to start my own business eventually,…
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Yet another scumbag parking eye letter - Fox House, Derby - LBCCC Stage
Seem to be getting these every year now. I don't think they even bother putting signs up in some places and assume some people will blindly pay the ridiculous amounts asked for. I'm just posting yet another appeal and eventual success to show people on this board that despite some naysayers, POPLA will still stick up for…
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DCB LEGAL, UKPC court, defended - Not parked within the bay.
Yes it was foolish. I don't deny. Car Park was practically empty and I went far from other cars. But I was over the line :# Do I have any chance to appeal at all? Cheers
