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Scottish Power Takeover scam
My wife was approached as a Scottish Power shareholder by an American caller asking if she wanted to sell her shares to a secretive buyer who is trying to take over Iberdrola, who own Scottish power. The story is that the buyer wishes to remain anonymous until s/he/they have acquired enough share backing to launch a…
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Bank charges on fee free account
I have a NatWest fee free basic bank account. Unable to have an overdraft, credit cards etc.. on disability benefits which only get paid when DWP or UC days. I am being charged £1.55 every month I'm guessing for for few years, defo last 12 months. Why am I being charged for them taking money out the bank that's not there…
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Home exchange offer reduced with gifted contribution added
Hi, we live in South West England and are looking at reserving a new build property. As part of the deal, the developer has agreed to buy our current property as a home exchange scheme. They have called today to say it’ll look better on the deal sheet if they can knock £20,000 off their original home exchange offer, then…
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SMART PARKING, DCB LEGAL court claim - Dreamlands in Margate
Hello, I have received a county court claim form for a parking event in March 2024 at the Dreamlands carpark in Margate. The carpark is operated by Smart Parking. For anyone interested, a pdf of the form (with identifying information redacted) can be downloaded here:…
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Lloyds Ultra Credit Card
Just seen that Lloyds have released a new Cashback CC with both no FX and 0.25% cashback. https://www.lloydsbank.com/credit-cards/ultra.html What are people's thoughts in comparison to the Barclaycard Rewards offering that is so often discussed around here?
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TV Licence article Discussion
This thread is specifically to discuss the the TV Licence article To discuss or ask a question about this article: click reply
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Faulty freezer 16 months old
We had a kitchen extension built last year and all new appliances supplied by the company that did all the work. Yesterday we discovered our fridge freezer had stopped working, luckily everything was just softening, so hadn’t long failed. What are our rights regarding repair/replacement?
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Online shop took my money, didn't send the goods
I ordered a couple of items from ONLY clothing brand in December - one item arrived, but the other didn't. The company charged me the full amount and won't refund me. They keep making excuses and their latest is that I have to return the item to get them to issue a refund. I keep telling them I don't have an item to…
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EPC with new rental contract
Can I clarify my understanding on the minimum EPC required currently to rent out your property? My friend is planning to rent his flat out next month and his flat as EPC grade E. I understand this is fine right? I am aware of the new laws coming to upgrade this to a minimum of C but is this requirement needed already for…
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Please recommend Carnivals, festivals, weekenders, fetes etc for 2026
Hi all (and a happy new year) My wife and I bought a Campervan a couple of years ago and have loved travelling the UK staying in some stunning places we had never heard of previously. However, typically, we find out about an event/carnival/festival too late to book tickets or find anywhere to stay. For example, in the last…
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Remove marks on wall
Hi Long shot on this one i feel, but i'l ask anyway! As per photo, there was a mark on the wall, so someone had tried to wipe off the mark and ended up a) creating streak marks around the mark and b) wiping off the paint so the wall is exposed. Apart from re-painting the whole room, is there a way to fix or at least make…
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Crystallised / Non Crystallised help
Hi all. Im taking out an Annuity, using some of the funds from my SIIP with Interactive Investor. I cant get my head round how Interactive work out what is my crystall/ non-crystall pots in my SIIP. With Hargreaves you see online the exact split of value and what funds are in the 2 pots. My plan is to use everything in my…
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Parking Fine at Hospital
Hi Today I received a parking charge from Group Nexus from a recent hospital appointment. It’s my fault as I hadn’t been the hospital in years and didn’t realise the arrangements. There was a 30 minute free period of parking. I had to go get further bloods done after my appointment and was preoccupied worrying about my…
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NatWest loans and mitek
Hi all, has anyone experienced issues with uploading ID to mitek after signing loan agreement? I was told to email my id to yourapplication@natwest.com on the 27th Jan. which I have done. Advisor on phone can only confirm “ in progress”
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Overpayment to end mortgage - N'Wide
I have been overpaying my Nationwide Mortgage for some years and the end is now in sight. I am allowed to overpay 10% of the original loan. Once I get into my new overpayment year (from 1 Feb 2026), my overpayment allowance will be greater than the outstanding balance. Any Early Repayment Charge would be 4%. But the terms…
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Spendy Wendy to Saver Savvy
After lurking for what seems an age, I have finally created an account and started to interact this forum :) For years I feel that we have been flying by the seat of our pants, not planning in advance, using savings and investments to pay for holidays and other luxuries and just not really having control on our finances.…
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Tax free allowance
Am one of two children- our father left everything to our Mum - bar tax free allowance! If a child wanted to claim this amount rather than carry it forward (relations are very rocky/almost non existent with Mother) where does one stand?
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Collective deals missing
I am checking my Cheap Energy Club recommendations as my fixed contract is about to end but I don't see the collective deals for BG and Fuse. I see other deals from these two providers further down the list but not the collective deals referred to in the MSE newsletter. Do others see these deals or are we supposed to do…
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Plans to change what households make from solar Feed-in Tariffs 'feels a breach of pro
If you're one of the 800,000+ households in England, Wales or Scotland being paid to generate your own electricity via renewable technology under the Feed-In Tariff scheme, you could earn less in the long run under new Government plans. Martin Lewis: Plans to change what households make from solar Feed-in Tariffs 'feels a…
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Repaying Type 1 and type 4 loans
Hello, I have student loan debt on both type 1 and Type 4 loans, coming from degrees while I was studying in England and latterly Scotland. I've been paying back since 2018 (less than the interest accrued each month of course). My questions is, how does repayment work when you have multiple types of student loan to repay?…
