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Santa Baby - it's the 2026 Christmas Chatter Thread!!
Hello
and welcome to the 2026 Christmas chatter thread! I have taken up the mantle
this year to start the thread in replace of long-time poster @princesskitty29
who has been busy of late xx If
you're new to the thread please pop in for a chat, pull up a chair by the fire
and get yourself a hot chocolate - we all love…
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Land Transaction Tax (second property)
Hi, I have a slightly more complicated situation and hope someone may have some insight as I can't find the answers online. I currently own a property with a family member that we lived in for 3 years after buying the property. I then purchased my family home and paid stamp duty land tax on the new property. The family…
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Thames Water delaying installing water meters for small flats
I live in a family house and Thames Water wanted to switch us to a meter over 2 years ago. The process was quick and communications straightforward. Two miles away, my daughter lives in a 1 bed flat, and has never been approached about fitting a meter. Last August she applied to have one fitted. The surveyors came out a…
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Delivery shops - a how to
I want to do my delivery shops for the month and then adjust them. However I don't get paid until Friday. Am I right in thinking that most supermarkets require you to have the funds to check out when you place the order? This is very inconvenient. Do you know why they do this? Thanks 😊
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Looking for a PAYG SIP calling package
I've dug out one of my old cell phones and would like to use it for SIP calling. Tried looking online for packages but it's a minefield. Comparison sites don't track SIP calling packages. I'm basically looking for a PAYG deal where perhaps I get so many free minutes a month and so many free texts. If I can choose my own…
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'Instant' property buying companies - has anyone had a good experience?
I have had a nightmare of an 18 months of legal difficulties that my late parent left behind. The final thing that will need sorting is the disposal of a rental property, which has not been looked after, and when the tenants finally go, it will probably be down to bailiffs and it's likely they'll leave it in even more of a…
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My debt story - looking for a bit of support
Hi all, I’ve been a long-time lurker on here but finally plucked up the courage to post. Looking to tell my story for bit of support and some honest perspectives and maybe offer some support to others Over a number of years I built up a large amount of unsecured debt (6 figures) across credit cards and loans. It started…
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Another tariff query!
Hello all. Looking for some help please : My son is moving into a 2 bedroomed new build semi detached property at the end of June. It will be fitted with an ASHP (make/capacity unknown, but trying to find out). No solar panels due to proximity to Stansted Airport and an imposed planning condition. He also has a plug in…
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Immediate Care needs annuity
I am trying to persuade a relative that it could be a good idea to consider taking out an immediate care annuity. They are very reluctant to make contact with an IFA, and I thought it would be a good idea to build a spreadsheet showing the annual cashflow, with various scenarios. AI has produced such a spreadsheet, (with a…
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O/S Daily Monday April 20 2026
Good morning all.
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The Best Is Yet To Come
The Best Is Yet To Come - or so the front cover of my new diary says. I normally hang out in the debt free wannabes, but as I have had my diary on there for almost 10 year (yes the same diary), and have been debt free since April 2018 I thought it was time to migrate over to the mortgage free wannabe area. Please be gentle…
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Solicitor held my money for 20 years should I get interest on top of the capital amount
My solicitors who acted in conveyance for me in a sale of my property just contacted me. They found they had accidentally withheld a significant amount of money on my file/account - unbeknown to me. They rang me to ask for my details to pay me the amount. After confirming it was the solicitors and not a scam they took my…
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Lump sum from will
I will be getting £300,000 from a will of a relative, I don't want to invest it or play risky games with it I just want to get maximum interest on it for the time being until I decide what to do with it. What are my options ?
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Parking fine appeal rejected – accident while parked – any recourse?
Hi all, I recently received a PCN for overstaying in a privately managed, ANPR-controlled car park (max stay 180 minutes). While my vehicle was parked, another driver crashed into it. I stayed at the scene as required by law to attempt to exchange details, but the other driver refused to cooperate. I had to report the…
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Car Finance VS ISA
Morning all, I'm looking for a bit of a sense check / advice please. I've currently got a car with a PCP finance deal, roughly 18 months in, 8.9% APR I'm also now at the point where my savings (ISA/emergency/S&S) collectively add up to almost exactly the settlement amount for the car. The payments are manageable but would…
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Moorside Legal - Claim2
Hi MSE, Received Court papers against Moorside Legal - this is the second one I have been issued. Below is a photo of the claim form. My partner opened the letter and is extremely concerned that, following this route, we will be worse off should we loose the fight. I have advised her that I don't want to pay these…
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Inflation Linked Gilt T30I. Is it worth it?
Is the ILG T30I worth it? According to Gilts Yield: Par: £100 Index ratio: 3.01776 Accured interest: £1.014 Clean price: £343.99 Dirty price: £345.004 (£100 (par value) x 3.01776 (index ratio)) + £1.014 (accured interest) = £302.79 Difference between dirty price and above: £42.21. Does this mean I'm paying a £42.21 premium…
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Green Flag or AA?
My AA renewal is due £145, contacted them and this is the best they can do, Green Flag is half that price. What are Green Flag like? I know they do not have their own fleet of mechanics like the AA and RAC do.
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Two mortgage advice
My son has a mortgage on two properties. He splits his time between both as dictated by work. He is currently overpaying on the larger of the two and will in time rent out the second property. I believe he has a 80% mortgage on this property. What is the best way to avoid capital gains on the second property?
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FSCS protection limit
Apologies if this is a stupid question but it’s something I thought about today and not sure about the answer! Lets say I had amassed £300k in a stocks & shares ISA over a broad spread of investments with (for example) AJ Bell and AJ Bell go out of business. Am I still only covered up to £120k? I understand that the FSCS…
