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Bank switch bonus for joint accounts
Hi, Was thinking of switching a Santander joint account to Lloyds club to take advantage of the £200 switch bonus. Previously both myself and my wife have received a switch bonus from Halifax (circa 2023) but for individual accounts (not a joint one). I think Lloyds and Halifax are same bank. Is the switch of a joint…
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Do you think court will overule IAS verdict or shall i pay fine- help appreciated
Dear Forum Members, I would be very grateful for your advice on whether it is worthwhile to defend a Parking Charge Notice in court after my IAS appeal has been dismissed, or whether I should simply pay the £100 charge. Background: * Date of incident: 27 June 2025 * Location: Hayes & Harlington (controlled land) *…
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T212 ISA transfer in woes
Hi, ISA transfer from Fidelity to T212.. kept me waiting for 10 days without a word. Followed up and told I need to start selling holdings because some of the securities don't match and so cannot be transferred in specie.. all are non-specialist non-restricted LSE listed investment trusts and ETFs Tried to explain in great…
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Never a good time but here goes..
Having lurked on and off for a while, it was about time to commit. I’m 38 and about 7 months pregnant so instead of traditional nesting in the form of cleaning, I seem to have resorted to financial nesting instead. My mortgage was originally for 25 years - fixed for 4 then reduced by 3 years when I switched to a new deal.…
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Tesco Mobile pay-as-you-go customer? Be prepared: it may push you to buy a bundle
Tesco Mobile is pushing its pay-as-you-go (PAYG) users to move to its new bundles. Failure to do so means paying for Tesco Mobile's standard PAYG rates, which it's hiked by up to 213%. If you're one of the 1.4 million users affected, it's worth looking at switching to a cheap monthly Sim instead – unless you just keep your…
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Saving, Living, and Ditching the Mortgage
Hey everyone! Long time lurker. At my lowest I was here reading the SLLM posts hoping one day I will have my own mortgage and staying strong letting money sit and grow. These days I have my own mortgage on a lovely flat in a lovely city, almost half way through my 5yr fix now. Want to tackle the mortgage but hardly have…
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Cheap Energy Club
I have not been able to see my deals for a few days now. I can login but when I get to see deals nothing happens. I have tried different browsers.
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Trading 212 - what do we think?
Hi all, New to the forum so please be gentle with me. I want to invest in a cash ISA (haven't used my allowance up for 24-25 yet) and I am seriously considering Trading 212. I've used Shawbrook Bank and Charter Savings Bank in the past and had good experiences with them so I'm not new to online accounts. I know Trading 212…
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Energy broker disputes
Buisness Reduction Services ( NW) I am seeking help and wondering if anyone has experienced or resolved a dispute with Buisness Reduction Services ( NW) and PreAction resolution reached, acting on their behalf . At 0717 I had a cold call from a private number . I had just recieved keys to begin work setting up my first…
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Complicated Life Insurance Situation
Well people might think this isnt complicated but its not something I would normally deal with so wondering if anyone has any advice. Long story short Mother in law had a longterm partner who took her for tens of thousands of pounds with the promise that he would pay it back. She was diagnosed with early onset dementia 10…
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Cabot and Lowell
I would really appreciate some advice as I don’t know the best way
to go about this. I have 3 debts I’d like to pay off. 1. HSBC loan from 2009. Went to Myling Europe (?) in 2014. With
Cabot now. £8515 2. HSBC credit card from 2009. Went to Myling Europe (?) in 2014.
With Cabot now. £1617 3. HSBC (loan or card?) from…
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Flexable S&S ISA for HMRC SAYE scheme shares
I'm looking for a recommendation for a Stocks and Shares (S&S) ISA that* is a flexible ISA * allows SAYE shares to be transferred in * has low ongoing and transactional costs A relative has an upcoming Save As You Earn (SAYE) share scheme maturing in a few months. They currently have past SAYE shares in an iWeb Share…
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Naively have landed myself in a pickle in relation to my IVA
13 months ago I was struggling to maintain payments whilst in a DMP and like many others was led into an IVA which in hindsight seems like a misjudgment. It was sold to me as if it was the cure to all my problems but of course things are never that simple. I moved back home in May due to declining mental health and have…
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Finance in Daughters name but I paid on my bank account
Help needed please. I bought a car around 2008/9. I could not get finance as I was on benefits at that time. My daughter in law got the finance in her name. We then changed ownership to me and I paid the account (HP) through my bank account each month. Can I claim undeclared commission. All monetary transactions was on my…
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Transferring a large sum of money from abroad
Hi everyone, Early next year, I’m planning to transfer £130,000 from abroad (within the EU). The funds are a gift from my family to help me purchase a property in the UK. I’ll have all the required AML documentation ready - including a gift declaration, bank statements, and identification documents. However, I’m a bit…
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Our Journey to Mortgage Freedom by 2030 🏡💪
Hi everyone, I’ve been reading lots of inspiring posts here and thought it was time to start my own little diary to keep myself accountable (and hopefully help others who are on the same path!). A bit of background: * We bought our house in 2022, borrowing just over £400k on a 5-year fix at 2.4%. * We originally wanted…
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G24 small claims
Hi, I received a county court claim from g24 ltd in april this year for a parking charge from June 2019 to which i replied in the post with: Dear Court Manager, I am writing in reference to the above Claim M******, which i understand has been issued against me in connection with an alleged unpaid parking charge. i wish to…
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ok lets start this mortgage free journey Continued
Hello everyone, I hope you’re all doing well. I lost the login details for my previous account, but I’ve opened a new one so I can continue my journey. COVID was a tough setback, but I’m ready to move forward and keep working toward a mortgage-free life! old thread ok lets start this mortgage free journey —…
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Moved: Welcome Finance charge on property
This discussion has been moved.
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Welcome Finance charge on property
Hi all, looking for advice on how to remove a charge on my property from a Welcome Finance loan. The loan was fully repaid over 12 years ago, unfortunately, I have lost any documents to confirm this. Have tried contacting administrator, they put me on to a random finance house in Luxembourg who failed to engage at all.…
