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Rail travel
Hi Just looking for ways to save money on the train. My local buses are very cheap and good but going further I need the train. For example reading to burton on trent return is about £90 That's on cross country network Is there anyway I could reduce the cost of that journey for example?
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Subsidence - Repair or Re-build Porch
Hi, My house was built around 50 years ago and previous home owner added a porch he built himself around 30 years ago, with shallow foundations. In the dry summer of 2022, I let our wisteria grow too big and along with the dry ground the porch started to subside. Detached from house with a 1-2cm gap. My options are to…
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I panicked and made a subsidence claim, HELP!
Hello, Two days ago I noticed some new cracks in the plaster of my house. I have been worried about a tree in front of my property causing damage with its roots. A quick check of AI suggested contacting my insurer. So I went to the insurers website and raised a claim. The next day they phoned me to discuss the claim. I…
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Bricks Not Books
The first day of a New Year seems like the best time to start this diary! I was on this board under another name for a number of years, but I felt like a change of name as well as a change of diary, so here I am! Completed on new home with OH in December, we haven't even owned it for a month yet. But we have a mortgage of…
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Great British Invest off or Passive V Active Updates
For those who are curious to compare their Passive or Active investment strategies I'm starting a new thread today with monthly updates (Bottom lines only in £). For details see https://forums.moneysavingexpert.com/discussion/5719517/great-british-invest-off-or-passive-v-active-discussion Monthly updates on portfolio…
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Tax on compensation received for complaint
If you make a complaint to a financial institution which they uphold and pay compensation in recognition they haven't performed as expected. Is the amount received taxable? Thank you
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Sprive App?
I’ve seen a lot of buzz around Sprive at the moment from people using it to overpay their mortgages. Has anyone used it before and is it worth doing? (Not looking for referral links, just reviews and info from people who know more about it than I do). Thanks in advance!
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Impossible challenge
Hello! Trying to keep motivation so decided to stop lurking in the shadows and start my own thread. Family of 4 (2 adults and 2 children) with a very large mortgage of now £470k over with just over 23 years left. 1.5 years into a 5 year fix (thankfully a cheap one). OH and I are fortunate to have well paying jobs but…
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Is my Euonymus Japonicus Himalaya healthy?
I'm looking for some advice on my Euonymus Japonicus Himalaya. It is planted outdoors in a large pot, and the soil surface is covered with pebbles. I've noticed a few dry leaves, and some leaves have irregular holes/notches that look as if they may have been eaten by an insect. The plant otherwise seems to be growing, but…
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Travel insurance - do we need extra cover for European holiday in current climate?
We have just booked our holiday for this year (August) and are currently in the process of sorting out travel insurance, and wondering what we need to be looking out for amid the current uncertainty with air travel. Destination itself isn't an issue (we're only going to Germany so not passing through any compromised…
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Here’s where the story ends…
And another way of life begins? Another old tune that’s been stuck in my head this week. No more ninety months for me, aiming for four years from now so forty eight months. I have rejigged my budget as food prices and prices in general have gone up. Hopefully giving myself a reasonable amount to spend will stop me…
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NEED ADVICE/TIPS - House Insurance Claim [Subsidence]
Hi all, For over a year, approaching 2 years now, been going through a claim via our House Insurance 'Crawford & Co' for subsidence. The house is sinking, cracks are forming everwhere inside and outside and contact has been minimal from them. There first offer was worth 10k and we would have to source the work/builders…
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Certificates of Structural adequacy
Hi When your insurance company employs a loss adjuster/assessor to act for them on a subsidence claim, and the adjuster/assessor issues the certificate of structural adequacy on behalf of your Insurer, what qualifications does the person who issues the certificate have to have please? Are there any FCA or FOC guidelines…
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Clarification of responsibilities in common areas.
A poster ( ndelightfullyvaguely) has raised an issue ( on the DIY forum ) that might be better helped in this area. It started as an electrical issue with the supply in the common area but to my mind it needs the party responsible clarifying regarding the electrical supply in a common area. Can anyone help? It has…
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TEMU ??????
can their prices be real. Is it all a rip off. How is delivery made. Sceptical, but your experiances ??
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Dcbl/ Smart County Court Claim 2
Hello again, Same as the other thread as ive 2 of these pop through the door. Log in, submit my 11 paragraph defence from the Meltof thread, April 12thand sit back and wait? KKind Regards , Dave
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Buildings insurance, subsidence and a withdrawn mortgage offer
We are now at the point of exchange on a property with a recent (2021) history of subsidence for which there was an insurance claim. Our mortgage lenders have withdrawn their offer based on the fact that we cannot get buildings insurance with an excess of lower than £2,500. As is standard, the mortgage offer states the…
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worried sick , cracks in house
i have seen stepped cracks on outside wall and noticed same place inside as well. initially i thought inside was just blown plaster. blown plaster in other parts of house as other walls need re-plastering as well due to cracks. also noted a crack outside in straight line where bay window is attached to house. also , cracks…
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Certificate of structural adequacy
The surveyor of a house we are buying has suggested we hire a structural engineer to provide a Certificate of structural adequacy. The house has been underpinned in the past, but the surveyor did not comment on any signs of current subsidence. Is this normal to get a certificate?
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Who is responsible for the wiring between National Grid and Meters?
I own a Leasehold in an Apartment that has 4 others all together. All of the meters are in the communal area as you come in and each has their own meter. I am trying to get a Smart Meter and I have had both Octopus and British Gas out who have said they can't do it because of the wiring leading to the meter. (This is after…
