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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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£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…
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Becoming debt neutral - a long haul!!
I'm starting a diary here as I have decided that I want to start focusing properly on becoming debt neutral. I have been thinking about it for a while now and started the process a couple of months ago but feel that it's the right time to start a diary to help keep me on track as I have a horrible habit of spending…
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Not sure where to start. Large debt & just sold house but likely being made redundant tomorrow
Hi everyone, I’m hoping someone can offer some advice. My wife left me three years ago, and for the first 18 months I really struggled to cope — not just emotionally, but with managing everything outside of work. I found it hard to keep up with the mortgage on my own (she moved out), along with all the bills, child…
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Lebara ring time
Very happy with Lebara on my Google Pixel phone but my wife's Samsung A34 rings for only 15 seconds before diverting to voicemail. I have referred this to customer service 3 times now and got the same instructions each time, ie dial **61*121*11*30# but it does not work. I've been promised a call back but heard nothing yet.…
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NS&I website login problems with telephone code
Anyone else had this problem? Entering an on-screen six digit code via telephone is the second part of the two-factor authentication process to log into NS&I accounts. It's the part that usually goes wrong and prevents me from logging in. This issue has plagued me for months and has never worked consistently. There's no…
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Virgin and O2
Hi I have a contract for my mobile phone with Virgin which ends in March 2026 ( £11 ) per month. O2 took over from Virgin so my monthly bill is £9.41 on top of the £11..As we all know O2 are hiking up their prices..It is a SIM only with O2..I am not savvy with phones, only want a basic phone for texts calls and the odd…
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Misleading information
This is a long complex issue but the main points are:- in April 2024 we received a telephone call from our mortgage company. Informing us that our account is unregulated (as it started in March 2004) and they would have to redress the account and we would not be disappointed with the amount of compensation we would receive…
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Notice of interest rate reduction on notice accounts
I've got a 95 day account with RCI Bank still paying a generous 5.6%, although not for too much longer. Their summary box says "The interest rate is variable, and we can change the rate of interest on existing accounts by giving you at least 109 days’ notice" I have a 90 day account with Oxbury which says "Oxbury can make…
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Has anybody any experience of the eero router?
I signed up with Fibrus today due to their very low prices ATM. I have a FTTC connection but it's garbage due to the house wiring so need another. I knew Fibrus use the eero router but I made the mistake of researching it only after I'd signed up. I still can't quite believe that eero would mandate that their router not…
