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O2's hiking its prices – but you can use this to haggle down your costs
O2 is notifying customers that they can leave their contracts penalty-free because it's hiking its existing price rise. Up to 15.6 million O2 customers will see their bills rise by 40% more than they were told – something MoneySavingExpert.com (MSE) founder Martin Lewis is up in arms about. Read the full story: O2's hiking…
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Can I count brokerage monthly fee as cost in tax return?
As titled, I am using interactive investor and they charge a monthly subscription. May I count that as the cost, since it offsets part of the transaction fee? If yes, what's the best way to split them between different taxes (e.g. capital gain/interest/dividend) if there is more than one?
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Parking Ticket -DCBLegal\G24 - Mediation Stage Complete
Hello My wife is one of many that have just received the first notification letter, ‘Notice of debt Recovery’ from DCBL.. This is from a parking offence alleged in 2019. Looking forward to going on the journey with everyone on this to win another one. Seen some amazing stories. Since 2019, we have moved, therefore to…
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AJ Bell ISA dealing fees
Given that they charge £1.50 per deal and I’m investing cash monthly, is it more beneficial to swallow the fee and buy monthly, £200 to a single fund (will be £350 from April) or buy every 3/6 months to save fees? I’m guessing that time in the market is more important than saving £1.50 a month?
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lodgers and cooking on the landing
I've searched the net in vain for an answer to this, so thought I would ask on here. I have two lodgers on the top floor of my 3 storey house. On the top landing is a small kitchenette with cabinets, sink, fridge, kettle, toaster. I supplied these to save lodgers having to come all the way down to the ground floor just to…
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Problem setting my Trading 212 ISA as a payee
I've just opened the Trading 212 Cash ISA and I'm trying to deposit funds from my Halifax current account. When I use the sort code and account number provided by Trading 212 (for JP Morgan Chase) to set up a new payee in Halifax, Halifax notifies me that the details are incorrect. It does recognise the sort code as for JP…
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MeandO's money-shuffling
Long time member here, sneaking back over from the MFW board... Previous diary here for those that want a back story: Money-shuffling towards mortgage freedom — MoneySavingExpert Forum Although my only debt is now my mortgage I've had to shift my focus from OP'ing to building up my savings instead, so don't really feel at…
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Issues Post Switching- Octopus
Hello We switched to Octopus in July this year after issues with Ovo (different post). We switched from E10 (Ovo) to E7 (Octopus). We have a smart meter and were assured that switching would be simple. It hasn't been. We have encountered several issues, the main one being that we are now on an E7 tariff but our meter is…
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Earning extra money with Outlier AI: has anyone else tried it?
Hello, I recently signed up to a website called Outlier AI as I am looking to earn some extra money working from home around my main job and I was wondering if any other MSE Forumite had/has any experiences with them? They're a US-based company where you are a freelancer and get "missions" (or projects) to help train an AI…
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Moved: Alternative living to escape the rat race....
This discussion has been moved.
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A question about motability cars
I've just been awarded higher rate mobility allowance and am going to use it to get a car. I've decided on an automatic fabia. My question is - do I have to shop around with different dealers in order to get the best price or is it the same price no matter where you get it from because it is government regulated? Thanks in…
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Extending basic rate income tax band
I am receiving the state pension and a company pension. Other than these my only income is savings interest. I also have marriage tax allowance from my wife and I make regular gift aid charitable donations. My total income will be the sum of my pensions and my interest received. If this exceeds £50,270, I will incur tax at…
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Lost pension
Hi, i really hope someone can help me with this. I had a pension with M.E.B. (Midlands Electricity Board - although i was with E.M.E.B.) back in the 80s between 1982 and late 88/early 89. Ive been through the government website amd it lead me to a company but they say they sold the pension pot in 1990 and have no records…
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Gladstones LBC 1st Response
Hello everyone, Apologies for any errors, I'm not well at moment and feeling very stressed about this letter :-( I have a LBC from Gladstones solicitors for £170. (Attaching original letter below). I checked the newbies 2nd post and found the 1st reply template - just wanted to double check it is the right one that I send…
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Double Dip Cheltenham Spa Railway Station
I have been sent a 'double dip' PCN by APCOA, (October 2025); nothing unusual in circumstances, in/out to drop-off train passenger in morning; returned evening in/out to pick-up; in/out both times within minutes, no waiting around. I've read the "Newbies" thread (thanks to all for information there), prepared draft appeal,…
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What should i do about Synthient Credential Stuffing Threat Data
I have received an email from Have I been Pawnd which I am signed up to to say that 2 billion email addresses have been compromised. Do i need to change my password ? NB I have been a member of this Forum for at least 10 years [DorsetDave, 1,2,3] but it says I can't post a link ! ]
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GBP and USD cash interests on brokerage account - onshore or foreign in tax return?
I earned some interests from GBP and USD cash balance with 3 brokerage accounts (i.e., Interactive Investor, Interactive Brokers, and Schwab) and am confused whether they should be counted toward onshore or foreign interests in tax return. Interactive Investor - Since it's a UK company, the GBP makes sense to be onshore,…
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Nationwide Flexdirect Account
I have a Nationwide Bank account, which I am mostly happy with, however one small gripe is whenever I or someone transfers money to another Nationwide account it only shows the sort code and account number. I phoned them up to see if I was doing something wrong and they stated that I wasn't. So I guess I just have to put…
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A Very MSE Advent
Happy 9th of December everyone, a tad into the 24 day advent but my MSE advent idea has been met with enthusiasm so rather than waiting until next year, @LadyWithAPlan said I should start this thread this year (and I promise all my posts won't be this long) The MSE Advent idea is this: You choose a piece of jewellery that…
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SMART PARKING, DCB LEGAL court claim 2025
Hi there. Can someone help in suggesting how we should handle this? 5 years is a long time ago and we cannot completely remember the defence we had for parking where we did. She is worried about having to go to court, and can't really get time off work. Could I go on her behalf?
