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Travelled with a friend who hasn't settled expenses
Hi everyone, I travelled with a friend in December to Asia and she has not settled her side of the expenses. She told me when she gets back to London she will be moving house but I don't know her new address - she's been ghosting me ever since. Total amount £350. I have the splitwise app which shows how nuch she needs to…
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DRO pre application worry.
Hi, step change have recommended a DRO for 45k of mainly Ccard debt. i have an overdraft in a joint account, what should I do about this. How are mobile and device (in contract) handled, step change left it in my budget.? Also this is the first month my Ccards have come off 0% and I’ve never missed a payment (switching and…
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Failed IVA from 2002 recently contacted by DCA chasing payment
Afternoon, Newbie here, am after some advice. I recently started receiving calls from a DCA, after a few attempts to ignore them I contacted them to enquire as to the nature of their repeated attempts to contact me. After (possibly stupidly) confirming my name and contact details so i could find out why, they informed me…
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Disconnect power or pay standingcharges
Our house is going to be empty for 3-4 months. We do not want the electricity/gas to keep running in this period as standing charges will rack up. I am inclined to get them cut off for time being.But if I get them cut off will the charge me for cutting and reconnecting after 3-4 months?Just trying to work best option.
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carers element/credit
i have been trying to understand the process , reading over and over again, but cannot work out the difference or which one can /should be claimed if at all. my oh is in receipt of UC and i also have to go for interviews etc, and they are telling me to go on a course however , i do unpaid care over 35 hours a week for an…
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IVA for Twelve (12) YEARS????
Hi Everyone! I'm at a loss, you guys are my final hope. Is it normal/legal/ethical/OKAY to be trapped in an IVA for 12 years? Yes it is still on the register, but when I emailed the @insolvency email address no one could find it. The practitioner and the practitioner's business has also been out of sufficient communication…
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Rejected for an edge account
Following Martins last tv show, we decided to apply for a santander edge account. We were rejected? I have no idea why. Our credit score...which I checked after...(form the first time in 10 years) came in at 650. We own our own home, have quite a bit in savings, £50k pa in income. Virtually zero outgoings....have never…
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US National Parks price increase
The dept of the interior in the USA have announced a price increase for non US visitors after Jan 1 2026 . There will be a $100 surcharge for the most popular parks and the $80 annual fee will rise to $250 for foreign visitors
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Moved: New £12,000 limit on Cash ISA
This discussion has been moved.
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Merged: Will money market interest be taxed from Next year
This discussion has been merged.
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Moved: Credit Cards
This discussion has been moved.
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Smart Parking, DCB Legal, LoC 2025
Hello, Just need a little guidance over what to do and what my first step should be. I am getting confused on land owners and sar... I received a letter from Debt Recovery Plus to say that I owe £170 or will be taken to court. LUCKILY, I read part 4 of the newbies post and haven't called them like I was initially intending…
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Should I keep my Credit Cards open?
Hi there, hoping for some advice please. After years of credit card debt, I finally paid them all off this year - woohoo! :* I currently have several credit card accounts open as a result of multiple balance transfers throughout the year, but my balance is £0. My total credit limit is £42,100 spread across seven cards. All…
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MusicMagpie have my money but have no record of my order. Any of you had probs with them?
so my husband ordered a refurbished watch from musicMagpie. The money went through on our credit card, we had an order confirmation email, and the order was shown on his musicMagpie account. It hasn’t been sent. It’s still showing as pending. Contacted musicMagpie, told them the order number , they say they have no record…
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Grant of Confirmation
Hi, I’m trying to fill in the form for Grant of Confirmation for my dad’s estate (C1). I’m trying to do this on my own without a solicitor. I think I understand the main issues, it should be such a simple situation, but what exactly to put on the form is driving me crazy :mad:. Would be grateful if anyone could help.…
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Lloyd's ultra visa
Noticed the above on MSE Newsletter. 1% cashback on ALL spending (incl overseas) for a year. Applied for and approved last night. Saves me messing around buying certain things with Chase and others with Nationwide, and their respective cash back limits. Also keeps what I usually spend with those earning interest until due…
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Help needed for old and slow pensioner.
I keep reading about the new state pension, which I currently get, and every time I do a simple calculation the numbers don't align. For example my current pension is £230.25pw, so if I divide this figure by 7 then multiply it by 365 I get £12,005.89, but the DWP says it comes to £11,973. Likewise, the pension for…
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Self managed dmp process questions
Hi all, Following advice I received on here a few months ago, I cancelled all 17 of my debt direct debits and stopped payments. So far, four accounts have defaulted. I’ve been monitoring my credit file to confirm each default before making any payments to the collectors. Of the four that have defaulted, none have been sold…
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MET Parking PCN, Stansted, NTK,
Hi. I have read the NEWBIE info but am not confident of process so just thought Id post up for support :) I received an NTK today, after the contravention date of 16/9/25. I would like to appeal so the first port of call, is to lodge an appeal via their website - I think ive understood that bit! Then if unsuccessful, which…
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Old Style Daily Sunday 30 November 2025. St Andrew's Day
Morning all. 🏴🏴
