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Best toilet seat!
I would love to hear your recommendations for good quality toilet seats! I bought one a year ago that has been terrible. The "wood" has corrupted and the fittings have gone rusty. Can anyone recommend a trusted brand? TIA
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Airtime Rewards – get money off your phone bill via minimal effort cashback app
Have you tried Airtime Rewards, the cashback app that links to your payment card? MSE first wrote about it back in 2019 when it was relatively new. With phone bills rising for many, MSE Laura B has revisited the topic. You can read the guide here: Airtime Rewards: Get money off your phone bill via minimal effort cashback…
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National insurance Gaps v pension received at retirement age
I have used the forecaster which shows I have 4 Ni gaps as I stopped working, I was looking to make up these gaps. However I have another 5 years before the state pension age does this mean I have pay these 5 years to keep my pension at its maximum or by not paying would the weekly amount start to reduce even though i have…
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Glasses Direct offer for 2 pairs for £14 does work, asks for £43
I have a very basic prescription for reading glasses, been told that I have near perfect vision so not a complex prescription but when I add a pair of £49 glasses the only choice of lenses are Gold level ones (lowest level available), nothing on the webpage where I can choose basic, no link exists to a basic choice, I then…
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Firm wants to ask Government to pay redundancy can I object?
Hello, not me but a friend is currently on "garden leave" having been made redundant. She has worked there for 8 years. Anyway about a month into it and her old boss has emailed saying they have applied to the government for this to be paid by the government directly. The firm is not in receivership (it might be headed…
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US Estate Tax on US listed Shares on death?
Can anyone comment on the US/UK tax situation when a UK resident dies with a holding of US (NASDAQ) listed shares? I see that US Estate tax may be due if the assets are worth more.than $60k. But I have also seen some discussion that a double taxation treaty may apply?
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Cashback on Gift Cards?
I have a Santander Edge Current Account and get 1% cashback at supermarkets. I give my daughter £100 cash a week to help her pay her bills which she spends mainly in Asda. If I bought a £100 gift card along with milk and bread in Asda, would I get 1% cashback for the Asda shop of £102.85 or just on £2.85?
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NEXT Pay in 3 - What The Actual...
I recently bought an item of furniture from NEXT and was tempted into opening a NEXT Pay in 3 account in order to bag a discount. I have since tried to buy an item of clothing and I'm now unable to pay using a normal payment card unless I sign out of my NEXT account and pay as a guest using a different email address. At…
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The Ongoing Saga of Ruby Trying to Own A Home
Hello, new home, new thread. If this is your first time here, welcome, I'm Ruby and together with my husband Mr Eskimo, we're on a journey to be mortgage free. We bought our first house in 2017 and made quite a big dent in the mortgage over that time, mostly due to some inheritance money and taking advantage of a very low…
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Royal Mint Login Issues
My second attempt to post this questio as the original seems to be mysteriously locked?? Apologies. Just wondering if anybody else is having problems logging in to the Royal Mint website today? The login/account icon (for want of a better word) has disappeared from my home screen and if I navigate to the login page…
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Pension switching from Relief At Source to Salary Sacrifice
I am a higher-rate taxpayer and currently contribute to an employee pension scheme operated by my employer under the Relief at Source model. I try and maximise my pension contributions to reduce my exposure to the 40% income tax rate and to mitigate the impact of the child benefit income threshold. Each year, I complete a…
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Contracted out element
Apparently I was contracted out in 1964. I paid into a company pension for 2 years then left the company, I returned to the company 6 months later but didn't rejoin the pension scheme. I left in 1994, only now at the age of 91 do I realize that I don't get a company pension yet still have £6.38 deducted from my state…
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Vanity unit replacement
The vanity unit under my bathroom basin has split as it was not sealed when fitted. This is a quote for a like for like replacement, and also to replace the hand set holder on my shower. Is it reasonable? It sounds a lot to me but I don't know the going rates. Tia
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S&S ISA newbie
I’ve read most of the links I can find on here about s&s isa and I’m ready to set one up. I’ve got £10k spare and thinking about trading 212. Do I add the whole money or split it for £2k a month? I’ve used £10k isa allowance this year and my premium bonds are full. I am not planning of needing this £10k for at least 10…
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Need to move funds
Hi, I have 3 weeks left until the chase boosted rate ends. I need to move the funds into another high interest account for a month whilst I hope chase send me another boosted offer. Any recommendations please? I did try Chip but then found out it's just 3 withdrawals per year. Thanks
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Notice of Debt Recovery - 346 Southgate Park, Stansted
Hi There, I'm new here. I have had no correspondence previously but have recieved a Notice of Debt Recovery letter from DCBL. This is in relation to 346 Southgate Park, Stansted. Contravention happened in December 2024, for an overstay (I don't have any details). I do remember visiting the Starbucks drive through for a…
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£100 Amazon voucher for Santander account
I tried 3 times to do this via the link for Santander's Everyday Account and kept getting 'Something Went Wrong' message. I had just put in my name and surname in the blue bars. Can someone please tell me exactly which link to do this from on the MSE website. Thank you!
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Consumer duty and workplace pension
Hi, Has anyone any experience or knowledge of complaining about pension scheme fees and terms and conditions under the new (2yo) consumer duties? I've seen multiple cases upheld about poor administration, but not around t&cs / fees. My situation is that I have a fairly old Aviva workplace pension with a limited choice of…
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Need smartphone to park?
Hi, I have a dumbphone and a laptop with a mobile router which are on EE contract. I have a smartphone, which i occasionally use on pay-as-you-go with O2 (its locked to O2 and cant be unlocked despite what they say) , but to be honest, i am not too hot at using the smartphone. (wrong generation, now 56 years old). Anyway,…
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Go your own way
Hi team, I'm new to the MSE forums, having joined in March to help me clear up my credit report and improve my financial intelligence post-IVA. Thought I would get a diary going to tell my tale so far and share some insight on how I'm now 'going my own way' with my money having ditched the debt. So, here's my story so…
