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Mortgage interest error - Help Please!
Any mtg advisors around? 20 years ago, we had a further advance and converted (or so we thought) the previous Interest Only portion of the original mtg to Repayment. We subsequently realised that the BSoc hadn’t actually changed it all to Repayment, they still mentioned an IO portion. We made a complaint, which was upheld…
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Link Financial Full and final Settlement Offer Advice
Happy bank holiday Monday everyone, I have a debt with Link Financial which I have ignored for about 4 years. Before I contact them, can I check if anyone has had any recent success with Link Financial regarding a full and final settlement as I would like to see if its worth going down this route with them. Thank you
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Make Do, Mend & Minimise
With the cost of living showing little sign of easing soon, I thought I'd start a new thread for this. I'm sure many of us are trying to be as environmentally friendly as we can be as well as stretching our budgets as far as we can. I'm putting together a To Do list towards this end and will publish any achievements as and…
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Roof leak - repair from inside?
Over the past few months we've started noticing some leakage during periods of heavy rainfall, in an in-built cupboard in the rear back addition which also houses the boiler. We brought a roofer in to investigate, who had a look at the roof itself with a drone and concluded it must be an issue with the felt underlayment.…
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Now for a healthier, wealthier me
Hello everyone 👋 Today I have paid my final debt repayment and because having my diary on the Debt Free Wannabe boards has been so valuable in keeping me accountable and focussed, I figured that having a savings diary would be a good idea as my next step. About me - For those I’ve not yet met, here’s a bit about my…
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samsung phone locked not able access
is the any way to access the above with out having to lose all dat on the phone and any idea of cost as phone is 6 years old and sim free as it seem some tried to acess it and reird to may time to gain access
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Charged for MMS
I received a WhatsApp message with a short video and replied with a short message. I received my first bill from Asda Mobile as I only took out the contract with them recently and it showed a charge of 25p for a MMS. I need to say at this juncture that I am 81 years old and not a fan of the necessary evil called a mobile…
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Withdrew money for house deposit from my Trading 212 Cash ISA, how can I replace it?
I have had a Trading 212 Cash ISA for some time. Last year, I moved my S&S with Vanguard from a GIA to an S&S ISA with them. I have now withdrawn much of my cash from the T212 ISA to pay down a flat deposit. As a result, I am being shown replaceable funds - amount of X, and my annual allowance with them as still 20K. Of…
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Santa Baby - it's the 2026 Christmas Chatter Thread!!
Hello
and welcome to the 2026 Christmas chatter thread! I have taken up the mantle
this year to start the thread in replace of long-time poster @princesskitty29
who has been busy of late xx If
you're new to the thread please pop in for a chat, pull up a chair by the fire
and get yourself a hot chocolate - we all love…
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Letting agents issues
Let me start by saying I don't have all the facts which I know is a problem for correct advice to be given. I'm neither tenant nor LL, just a bystander. Tenancy started back in 2018. Via a lettings agent. ( Who for the record have been useless the whole time) Landlord died a few years ago and property taken over by a…
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RED ROUTE GATWICK AIRPORT PARKING CHARGE NTK
Stopped for 16 seconds at a zebra crossing - whilst I was stopped my partner jumped in the car. I paid £5 at the exit barrier. I've been charged £100 parking charge for being stopped on the gatwick red route. It says there is clear signage in and around the gatwick red route - I didn't notice. I was just trying to see…
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Dealing with Marston
Hi All, Complete newbie here so bear with me! I had council tax arrears which were sent to Marston. I set up a payment plan and was paying £168 per month. All payments were made on time, in full. In December I had to take 2 weeks off work unpaid due to my daughter being ill. This meant that my income was much lower for…
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Scaffolding
My neighbour's landlord needs to install scaffolding within my garden, For reasons I won't go into I have refused. If they go to court to force us to agree would their renewing soffits, fascias and guttering be classed as essential work, it certainly doesn't look essential to me.
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HMRC will stop cash-like investments in S&S ISAs
Updating this with the official note from HMRC https://www.gov.uk/government/publications/tax-free-savings-newsletter-19/tax-free-savings-newsletter-19-november-2025 I mentioned this on an ISA thread, but it's relevant to a lot of pensioners as well. According to the FT today, as part of the ISA changes, HMRC is going to…
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DCB LEGAL QUERY
Hello! Thank you for all the information via this forum, I’ve successfully managed to get a friends parking fine cancelled however, ironically, a historical one of mine has caught up with me and I’m now trying to fight this. Long story short, DCB Legal have sent me a letter of claim, I have the beginnings of an email…
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Taking out multiple balance transfer cards at once?
Hey! For context my financial situation is improving after some bad health and missed payments and I finally have some balance transfer options open to me. I have opened one and transfered a small amount of my debt but can I open more that one (if approved) in quick succession to reduce interest paid? Or is that a bad idea…
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Swagbucks Codes Thread 2026 - CODES ONLY PLEASE
This thread is only for Swag Codes, any chat etc should be on the Swagbucks discussion/chat thread If you had the old codes thread bookmarked you will need to bookmark this one
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Defined benefits pension
I have a defined benefits pension from a previous job. I can now take that pension without penalty as I am over 60. I am happy in my current job and have no pans to retire. My DB pension is £21k pa or £100k tax free and £16k pa. I am not sure whether to take the pension or not as I am still working, although it seems silly…
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Claim Form + extra parking charge added
I am a newbie and hope the forum can help me. This concerns DCB Legal and Smart Parking Ltd and a Claim Form. I have read the newbies thread on the template defence to adapt for all parking cases. Five years ago during the first covid-19 lockdown I parked in a budget hotel car park and received a parking charge notice…
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Phone network digital switch over - should I have heard from Sky?
Not a tweet.
