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Section 75 query (following successful claim)
After causing me nearly £400 of expenses, British Airways refused to refund them. They did not contest that their lack of duty of duty of care caused the extra expenses, but stated that they didn't believe they should pay me back. So I made a Section 75 claim with my credit card company (not a chargeback). The amount…
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Delays for P55 tax refund from HMRC
Hello I took a flexible drawdown pension payment end of June and submitted a P55 first week of July, by post. HMRC's Government Gateway was saying to expect a response within 30 days. To date I have heard nothing regarding a possible refund and when I check for an update it has each time pushed the expected due date back.…
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Looking for help with advice for my parents
Hello. I hope I can get some input here on some advice to give my parents. For some background my mother is retiring next year at 65, my dad is 70 next year but plans to continue working for now (he’s on a 0 hour contract job and brings in around £10,000 per year from that). He works as and when he wants, which suits him.…
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FIXED PENALTY REFUND
Hello, this morning I have received a refund from a fixed penalty I paid back in august for a speeding fine. Does anyone know why this may be? I know you don't have to send off license anymore and to be honest I was never asked to send it back. I'm absolutely bricking it!
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Base Rate Held
As title ….
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Warm Home Discount 2025/2026 now being credited to some accounts.
This morning I have been credited by my energy supplier, OVO, with the WHD for winter 2025-26.It's shown here on my 'Live' balance in the 'Other Charges' as a minus - you may find that slightly confusing but it's just the way the billing is set out - Because a minus-charge is a credit. (PS. The £7.14 has been credited…
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Bright app down ?
As title ,my Bright app is not showing any data since early hours of Thursday morning. Meters are reporting as expected to my supplier ,Fuse.
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Sainsbury's Delivery Pass and Gift Card - changes to terms & conditions
I have a Sainsbury's delivery pass and usually pay for most of my order using one of their reloadable gift cards. I have been doing this for years.Last week when I placed my weekly order for delivery it had on it a £4.50 delivery cost added, despite me having a delivery pass. A phone call to their help line resulted in me…
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Query with freehold service charge
I currently own 50% of my house but am stair-casing and selling as 100% and therefore freehold. I pay £96 a month service charge for items such as ground maintenance, block maintenance, a reserve fund, fire, audit, management fees and health and safety. The service charge has gone from £20 a month to £96 a month in 3 years…
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State pension calculation and HMRC calculator
Hi, This is mostly idle curiosity, but I'm hoping someone here can help me understand the basis for the UK state pension calculation. When I go to the HMRC state pension calculator it tells me "Forecast if you contribute another 2 years before 5 April 2042 £230.25 a week". I'd qualify in 2042 based on current law (I'm 50).…
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Prolific Academic Survey Alerts
Here we go again.
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Bailiff/enforcement letter sent to my new address — tracing que
Hi everyone — I’ve just received a letter from Bristow & Sutor (enforcement company) addressed to me at my current address a couple of weeks ago, about a penalty charge notice for a council I don’t live in. Quick background: I have lived at this property for about 15 months and it’s mortgaged in my name. I updated my…
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Does EU261 cover extra costs of rebooking ?
KLM bounced us off an overbooked flight to Japan from a uk regional airport. there was no acceptable alternative flight so we cancelled and KLM immediately refunded original ticket cost. We were able to rebook with another carrier but from Heathrow. KLM have paid the EU261 compensation of £520 each. But are refusing to pay…
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Speeding Ticket advice ( Please)
Hi all , Recently received a speeding ticket with photographic evidence please see highly edited photos. The issues I have are : (i) difference in time on the letter received and the time on the photographic evidence quite clearly an exact hour difference one states 0411hrs and the other states 0511hrs (ii) no evidence of…
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Nifty November's No-Spend Days challenge!
Welcome to Nifty November'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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taking responsibilty to get me where I want to be
Good morning MSE'ers I have been reading diaries for the last few months and have found peoples stories so inspiring that I am hoping for some company on my own journey , this will be my own log which hopefully will motivate me at times of bleakness so I can look back on any progress I have made My sitituation is quite…
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Knocking years off the mortgage…that’s the goal!
Good morning! So thought it was time I started a diary so I can keep track of progress we have made. Bought our home in 2019 with a £240000 mortgage. Consistently overpaid £100 a month for the last 4 years and now starting to tackle the mortgage seriously, we are able to overpay around £600 a month so we are clearing 2…
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Best way to buy a house in another part of the country that you intend to move to?
Hi All, (Posting on behalf of my sister). My sister is expecting to come into some money and combined with a mortgage thinks she may be able to finally buy a house. Unfortunately her budget is modest and she currently lives and works in Kent, with her partner and two kids. They realise that they might only be able to…
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Martin Lewis: Car finance mis-selling help – your questions answered
The financial regulator has announced its proposed car finance mis-selling redress scheme, with an average payout of £700 likely to be due on over 14 million car finance agreements made between 7 April 2007 and 1 November 2024. MoneySavingExpert.com founder Martin Lewis answers your questions about the scheme on the latest…
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November 2025 Grocery Challenge
Welcome to the eleventh Grocery Challenge of 2025! 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…
