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We will get this debt down & the savings up
Several years ago I joined MSE with a different user name, but then it all went a bit wrong with losing job and other things, so I sort of fell by the wayside. Now I have created a new profile and am starting again with more determination. I have read so many people's diaries and can see that it helps you focus and it is…
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EDF account in credit
Our EDf energy account is in credit by £1299. We had a smart meter installed on 8 April, therefore 3 months ago. This is for electricity only. We pay by monthly direct debit - £224.77. I've had numerous contact by email with EDF as we could not see any information on the energy hub on the app (this part has recently been…
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OVO energy nightmare, worth escalating to the ombudsman?
So just had an absolute nightmare with OVO. Long story short, was going to switch to them, but cancelled after we got a better offer from our current supplier. This was the beginning of June. They then took payment via DD after I cancelled. It took several hours long phone calls for them to refund, which they would only do…
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Cynergy Maturity Issue FYI
A one year bond matured this morning with instructions to pay the proceeds into my EA account. The amount deposited was the original capital MINUS the interest amount! Having a hard job getting them to understand, they keep telling me the interest is not paid until 7pm. I don't recall maturity proceeds being split…
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Car finance PCP figures don’t add up Help!
Please help me understand PCP figures as they don’t seem to add up Dealer figures are On the road price £28384 dealer contribution £3000 my deposit £4000 Final value after 4 years £12352 APR 7.9%The dealer is quoting monthly payment of £298 Now, when I use an online pcp calculator and input the info above it says the…
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Fun vs focus
Hello. I've been wanting to start this debt diary since the beginning of the year, but I didn't want to get caught up in the ‘new year, new me’ frenzy. However, now feels like the right time to share my journey and keep myself motivated. I've already made some progress this year by paying off **£7,341.79**. Current…
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First family holiday (Tui) - is it worth paying to select seats?
We are going on our first family holiday with 2 kids 13 + 15. We have been given the option to select flight seats which would be £132 for both flights to guarantee we are sitting together. The flight is only 2 hours. It doesn’t bother myself and husband to sit separately but the kids have never flown before. I feel in…
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LootUp.Me Codes 2025
I have searched but cannot find a thread for LootUp codes. The website is https://lootup.me/earn.php if anyone wants to join up Weekly free giveaway ~ https://lootup.me/giveaways.php If anyone needs them they can be posted here. This is today's one:- FROSTYGAINS are here to warm up your earnings! Redeem this code and claim…
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Could we start a meal plan thread again, so it's not lost in the GC?
Just thought this would be quicker reference than what's for dinner or searching through lots of posts? There used to be one a while back, Meal Plan Monday or obviously whatever day you start yours on 🙂 I did post mine in the Grocery challenge, but will post again for anybody that doesn't join in with that thread. Vegan…
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Private Pcns whilst supposedly on whitelist
My son cleans windows at various pubs where he is told he is on the parking whitelist. He recently discovered that 19 tkts had been issued but because he hadn't updated his v5 went to a previous address so he was unaware. He has submitted a sar and we now know they have all been escalated to debt companies and is a small…
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Pursued by Moorside Legal
I would value advice on my case with Moorside. This is the latest correspondence received from Moorside…. We write in response to your email below. Our answers to your questions are as follows: * The additional charge which has been levied on your Parking Charge of £70 is the amount set out in both the British Parking…
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Stepchange DMP
Hi all, Totally new on here so apologies in advance if these questions have been answered elsewhere! I entered into a DMP last August with Stepchange after getting into debt following losing my job. The questions I wanted to ask are as follows: 1. Was it a good idea to enter into a DMP or should I have managed it myself -…
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Next spotted attempt at identity theft fraud
I received out of the blue letter dated July 24th from Next thanking me for a credit card application which I did not make. When I telephoned customer services to inform them I did not apply for a Next card they put me to the fraud team and the fraud team informed me that someone attempted on July 24th to purchase in my…
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New Mortgage for Home Improvements
Hi, all I paid off my mortgage a couple of years ago - but now I need about 40k towards putting to home improvements (extension and new kitchen). I was looking at a personal loan but I just hate the monthly payments (too high) - so I thought I will take a mortgage out with my current bank (HSBC - which has a top mortgage…
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Attendance Allowance and Guaranteed Pension Credits
So my father has recently been accepted for Attendance Allowance over Christmas, since he has a cancer diagnosis and a 6 month prognosis... I was pleased he was able to get this, He also is on a state pension and my parents recieve pension credits (before the rules changed and made it so the wife now has to be pension age…
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Attendance Allowance/Pension Credit
Hi Can I pick your brains please. I have a friend who is on State Pension plus a couple of small works pensions. She has too much to get Pension Credit. She has a number of health issues and I helped her get lower rate Attendance Allowance. I put her details into one of the benefit checkers to double check I hadn’t missed…
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Having plates made for a car when private plate is put in retention
Hi. First time posting, with a specific question on the process of transferring a private number plate that I can’t find answered already. I’m about to put my current car’s private plate on retention, ready for it to be assigned to a new car that I take delivery of in around a month. My understanding is that using the DVLA…
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civil service DB increased lump sum
Hi all. New to this site, but not to MSE. Is there a simple answer to the question of whether or not to take an enhanced lump sum (80% increase) in exchange for a 20% drop in my monthly pension in my DB pension. I wasn't aware I could get an increased lump sum, so I'm in a quandary. I am approaching 60, when I can take my…
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The Archived History Of Regular Savers Thread *** NO CHAT***
Welcome to this thread The main purposes of this thread are three-fold: * To provide a list of current and historic regular saver Ts&Cs. * To serve as an archive of when key changes to The Top Regular Savers Discussion Thread and the accounts listed on it were made. * To serve as a defacto no-chat regular savers thread to…
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How to find a decent spray foam removal firm
We are currently trying to find a Spray Foam removal company who will do a decent job and not cost a fortune! They each seem to be saying that whoever we have previously got in to check the roof out, or spoken to, are cowboys! No idea who to trust now. Spoke to The Spray Foam Advice Centre, who gave us names of 2…
