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Land Registry questions
Hi everyone The Land Registry is here on our Forum to help answer its customers' questions. If you have a question pop it on here and it will do its best to help. Related on MSE: 50+ House Buying Tips Free First Time Buyers' Mortgage Booklet 2018 Remortgage Guide 2018 Ultimate Mortgage Calculator
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UKPC POPLA Appeal
Hi All, I have read the newbies thread and I’m looking for a little bit of guidance on the best way to approach the POPLA appeal. Backstory is my wife received a parking ticket from UKPC for ‘parking in a drop off point’, but the she was not the driver nor did she leave the vehicle. The driver left the vehicle temporarily…
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The Cutting Down Alcohol challenge for December & 2025 :)
Welcome to the Cutting Down Alcohol challenge for the month of June and for 2025! This challenge is all about helping people cut down or even give up on their alcohol consumption, mainly for health reasons, but it can also save a lot of money, because the cost of buying alcohol really mounts up over time and sometimes you…
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Investing in Us: Holidays, Health, and the Road to £150k
New diary for 2026 (I know I am a little early)! The last year has
been so up and down for me, I would like some fresh energy and a new
focus. If anyone is following me over from my old diary, then they
may know I moved house end of 2024 and upped my mortgage from a
comfortable sub 100k to approx £120k. Then this summer…
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Missed appeal deadline for Heathrow T2 drop off APCOA parking charge
Forgot to pay the drop off charge in early August and received the notice promptly from APCOA a week later. Then received a debt collection letter from Debt Recovery plus and didn't pay that either (by early November). I have read the newbies thread post 4 and it says to just ignore. If it were mine i would, but it's in my…
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Dazzling December's No-Spend Days Challenge!
Welcome to Dazzling December's No-Spend Days Challenge! This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change…
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Mid year pay rise moving to higher income tax rate. What effect on interest earnings?
Hi all! I'm a teacher and my current salary puts me on the standard income tax rate currently. If all goes well this year, I'll be getting a pay rise so I'll be earning just below the higher income tax rate, by £50 or so. This means I'll be able to earn £1000 of interest tax free, which I've already planned out with my…
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Tembo Cash ISA transfer to Tembo Fixed 1 year? convert, or separate application?
Hi, So in nutshell I have a maxed out isa with Tembo at 4.1% I'm sure its likely about to drop in light of todays news, so looking at putting into a fixed. Is it convert the existing Cash ISA into the Fixed at 4.3%? Or do I need to apply for a Fixed ISA first, and then fill in transfer details in the same way I would to an…
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Escalating magazine article?
Is there a way to escalate a complaint about a magazine article? I've already raised the complaint internally whereby they are not prepared to recognise their failings in what I feel is a misleading article. I don't normally step in but I feel that "Which?" have unfairly criticised Easyjet without looking at the full facts…
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I've had confusing pension advice - help!
Hi All, I wonder if you can help. I have had two advisors state different opinions, and I could do with some clarity. In simple terms, is it better to pay £320 a month into my pension each month for the next 10 years, or is it better to put £38,400 (the equiilent amount over the 10 years) in straight away and then no more.…
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Stamp duty on residential home I sold after years not living in it
Hi: I moved back to the UK from abroad 5 years ago and since then I've been renting as I haven't been able to sell my home abroad, which was my main residence for many years. I also have a holiday home abroad. I finally sold my family home abroad about 8 months ago and am now buying a new flat which will be my main…
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The Best Is Yet To Come
The Best Is Yet To Come - or so the front cover of my new diary says. I normally hang out in the debt free wannabes, but as I have had my diary on there for almost 10 year (yes the same diary), and have been debt free since April 2018 I thought it was time to migrate over to the mortgage free wannabe area. Please be gentle…
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Landlord wanting to set up trust
Apologies if in wrong category, please move if so! A friend is a private landlord who is not overly financially savvy. They are trying to transfer the rental properties they own outright across to younger family members before they get too old. They seem to think a trust is the best way but on a quick google, trusts can be…
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So much for winning your case if you have proof of delivery!
I always thought that if a buyer opened a case against a seller for non delivery that you were safe if you had tracking showing proof of delivery. I had a buyer purchase one of my items, nothing major £7. He paid on the Tuesday night and I posted Wednesday morning. However, Tuesday lunchtime I get a message ' I want a…
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Reverse Meal Planning
Not sure if many of you will have tried the reverse-meal plan idea. Rather than buying all the ingredients you need to support your meal-plan, you look at your fridge, freezer and store-cupboard and meal plan from that, minimising what you shop for. Based initially on the fresh produce that would be wasted if it is not…
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January 2026 Grocery Challenge
Welcome to the 1st Grocery Challenge of 2026! As always this challenge is to reduce your own grocery budget to levels that you will be pleased with, not forgetting that we always recommend that you stay inside your own comfort levels and take things gently one step at a time. Remember that this is not a competition....it's…
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Save £12k in 2026 challenge (or any other amount to challenge yourself!)
Here are the details below of the savings challenge @enthusiasticsaver and I have been running this year and will continue to run next year. This is the new Challenge thread for savers in 2026. The aim is to get more people saving throughout the year and this thread gives a space for people to record and track their…
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Missing Amazon package
Amazon say that they tried to deliver a package at 8.30pm on 20 December. Well, they didn’t try very hard, because we were in then, and it was only a pack of kitchen rolls, which they normally just drop in the porch and run. The tracking now says: On the way, but running late Delivery date is currently unavailable Is this…
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Distance purchase of a car
This is just hypothetical. I have bought and paid for a new car entirely without setting foot on the dealer’s premises. The car has been registered in my name, but I have not picked it up yet. If I decide I don’t want it after all, can I use the 14 day cooling off period and simply cancel the contract without picking up…
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Paying £2880 into pension when retired
Jamesd wrote in another thread the following: "She can make £720 a year tax free by paying 2880 net into a pension, having it grossed up to 3600 then withdrawing it. Can only do the withdrawing part from age 55. Can only pay in for this until age 75." I have just retired at 60 and have transferred my DC pension to a new…
