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Which to pay off first
I have 3 credit cards with different lenders and swapped the balances round so they are now all on 0% for 9,12 and 18 months. The 9 month 0% has £1400 on with a credit limit of £4000 The 12 month 0% has £2100 on with a credit limit of £5200 The 18 month 0% has £3000 on with a credit limit of £3500 I’ve had a promotion in…
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Major fault on 2nd hand car bought from dealer refusing to provide refund after returning within 28
Bought 2nd hand car £3K from dealer in August 2025, within 28 days car broke down and AA report stated major fault with blocked DPF and poor battery health, advised dealer I wanted to return the vehicle and get a refund, under consumer rights act 2015 as within 30 days. In addition to the faults when the car was delivered…
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Weird Excel calculation
£ - £ - £ - £ - £ - £ - £ - £ - £ - £ - £ - £ - £ - £ 93.59 £ - £ - £ - £ - £ - £ - £ - £ - £ - £ - £ - £ - £ - £ - £ - £ - £ 18.12 £ - £ - £ - £ - £ - £ - £ - £ - £ - £ - £ - £ 169.90 When doing the Sum function (via the icon) I get a wrong answer All other cells are empty - I have checked and checked and checked again.…
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No Stopping - Gateway House, Manchester 2022 - Moorside Legal Money Claim
After almost 4 years of various correspondence ending with Moorside Legal, I have now received a Claim Form from the Civil National Business Centre. The issue date is 27 January 2026 and I have 14 days to respond. The POC is as follows - Claim is for an unpaid parking charge issued for a breach of contractual terms on…
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Switching provider to access pension
I'm planning to begin drawdown from my DC pension from April 2026, I'll be 59. My current provider, Reassure, don't have an option to drawdown from the existing pension, and would need me to switch to a drawdown account with Standard Life. I am unsure if that's a sensible thing to do. For background, my pension was…
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Hi, small court claim, private parking charge
Hi all, Over a for the first time Thank you I
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Untruths from Trivago
Just tried to book a Premier Inn room for 2 nights in a specific hotel on a specific date ! Booking direct - £218-£242 (depending on Flex) Trivago - £223 (claiming 38% discount) Also - I need an accessible room and with Trivago, there's NO WAY to select an accessible room !!
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is it worth paying "arrangements to pay" off?
Hi, I am slowly working on getting my credit in a better position, I have a default due to drop off in August. In addition to it I have 2 accounts which didn't default but I have an arrangement to pay directly with the company to which the debt was sold. My question is, is it worth paying off these amounts so that there is…
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UKPC & CCJ
hello, I’m desperately after some advice. I received a parking fine from UKPC in June 2025. I wasn’t sure if it was a scam or not so left it and left it. Kept getting letters the what looked like court papers. I panicked and paid ukpc via a QR code (£170, I know stupid!) because I didn’t want a CCJ. They see to have given…
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Green Saving Bonds ending
Hi folks, My green Saving Bonds with the ns&I is ending soon and I was given three options. I decided to switch half the money into a different ns&I product and have the rest payed back into my bank account. I filled in the form a few days ago and I expected an email to confirm the details but I haven't received one. My…
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Halifax moving from Mastercard to Visa
Anyone else got the email to inform them their credit card is moving from Mastercard to Visa? I have a Clarity credit card as I get free foreign transactions, which I thought was just a mastercard thing. It doesnt really say if this will still apply when switching to Visa, and even Halifax helpdesk werent sure when I spoke…
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Forum Highlights 6th Feb: planes, Pot Noodles & Premium Bonds
We love it when MoneySavers come back and update the community on their progress with a home or garden project, sharing what they've learnt along the way. This week we saw how one Forumite has made inroads into their garden transformation. Read on for more on that and the rest of the week's MSE Forum talking points.…
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Challenging Doubled Council Tax
I understand that the government want to encourage dormant houses to be put back on the market and as part of that have given power to local councils to double and treble Council Tax on empty properties but when a property has demonstrably been on the market for two years at market value or less and still hasn't sold is…
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Car purchase - electrical problems
We purchased a 2016 car from a dealer in November. The day after we picked it up, the n/s rear indicator developed a fault, as did the parking sensors. We took the car back to the dealer and waited for a couple of hours to have it fixed. Just before Christmas the same faults appeared, but couldn't get it booked in until…
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Skipton Track Record decline
hi My husband and I asked our broker to try and get an agreement in principal for a Skipton Track Record mortgage. It was declined… with no specific reason. Some information about us: we live in Scotland We have an annual income of £70k Personal loan (taken for a car purchase) £212 monthly and £11k to pay Credit card debt…
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OVO Billing- Advice Needed
I bought a property on 19th December (and as it's a project, we're still in the process of moving in fully) On the date I got the keys, I rang OVO energy to set up an account and advised them that the Gas Meter wasn't working- they went through all of the steps with us to rectify it at the time but instead got an Engineer…
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Replacement/courtesy car
I was involved in an 'no-fault' accident (a car pulled out of a minor road and smashed into the side of my vehicle) on 16th April last year. The insurance company organised a courtesy car, which due to the extensive repair required I had for 53 days. The charges for this vehicle unbeknown to me at the time were £86.20/day…
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new octopus 14mth fix
i see another new 14 month fix is out on octopus gas is again cheaper also electric SC has came down a lot also price per unit is down so worth checking it out
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The second hurdle - Nichelette v the huge mortgage
Hello! I thought I would start a new diary as we attack the second phase of our mortgage... In Jan 2019 we bought our first (lovely, but little) house for 320k with a 10% deposit. South east prices :s . With the fees we began our journey with a mortgage of £289,500 over 30 years. To be honest, whilst it was affordable to…
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Child trust fund 'missing'
Hi, we're having difficulty finding out if your youngest daughter has a CTF. She was born in Scotland in October 2008, so AFAIK she should have one, her elder sister did. We've twice completed the online HMRC facility, nothing back from them at all (earliest application was 16th January) Is a total lack of response them…
