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My first ever SOA - never had the courage to post it before.
Even though had lots of help in here before, I’ve Never done a SOA as bothered what people will say to me about where I’m going wrong and my head can’t take much more upset and stress. But here it is. 😔 It’s long but I’m letting it all out as no longer know what to do. Before I started a DMP I was married. We spilt up 2024…
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Optiwatt plug in energy saver
Hi, has anybody got any knowledge or experience of this item, (Optiwatt plug in energy saver) claiming to reduce electric bills? Thoughts please, tia
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Transferring name on house deeds following parent death
My mother died leaving me her house. I am the executor of the will (along with my husband) and sole beneficiary. probate has been done and granted, there is no mortgage or debts on the property and it is freehold, but now trying to work best and cheapest way to transfer deeds to my name. Can someone simplify what I need to…
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CGT calculation and retrospective valuations
Hi all, I'd appreciate some help with a forthcoming house sale. My family home is being sold shortly and there are complicated CGT questions I think I know the answer to, but would appreciate some guidance. The property was purchased in 1985 for £45,000. My parents owned the house as tenants in common with an equal half…
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Cheapest mortgage fixes drop to 3.5% – brokers answer if you should you lock in now or wait?
Major lenders including HSBC, Nationwide and Halifax have kicked off the new year by reducing rates on their fixed mortgage deals to as low as 3.5%. It's good news for the 1.8 million people with existing fixes due to end in 2026. But where will rates go from here – and should you fix your mortgage now or wait? Read the…
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eBay - fragile item arrived very poorly packed, unable to test - could I return?
I bought a used car fuel injector for ~£100 from a business seller on eBay. The item arrived wrapped in a carrier bag (not a mailing bag), loose inside an oversize box. It came through my letter box with a "thud" of the tip hitting the floor. To be fair, it looks fine - but it's a precision piece of equipment that…
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Interest on fixed rated bonds
I’ve just had issues with Nationwide and their handling of tax on my 3 year FRB. They credit the bond annually with the interest for that year, and tell HMRC that i have received this. However i can only access the money on maturity. I have put down the entire 3 year interest payments this tax year, and didn’t realise that…
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"Get a home insurance quote and we'll give you a £5 e-voucher" - Santander
I got an email from Santander saying "Get a home insurance quote and we'll give you a £5 e-voucher" so I thought easy £5. I got the quote which was well OTT but no mention yet of the £5 e-voucher. Anyone else do this?
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Possible Identity Theft
Hi I'm not sure if this is the right place for this. I received a letter today declining a Barclaycard which I didn't apply for. I called them but they could not find any record under my name or the reference My Experian report is not showing any recent searches but Equifax is showing a hard search from Barclaycard on 19…
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Supposed free inheritance preservation seminars
Please delete
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Transfer into Tandem Instant Access Cash ISA
Saw that Tandem had an Instant Access Cash ISA currently paying 4% and decided to move my current Chip Instant Access Cash ISA which was paying 3.55%. This was over £40K being moved across. Did this within the Tandem app yesterday and couldn't believe it that the funds fully moved across this afternoon. Initially I thought…
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Caravan Insurance for a van stored in France
Hi, we normally insure with Towergate for our caravan that is stored in France on the site we stay at However, the underwriter has changed to Aviva and they say we have to tow it back to the UK for 8 weeks. Loads of UK based people do this in France - any help please.
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STWA - Water Usage Doubled Since New Meter Fitted
We have been paying £30 DD a month prior to the recent increases. We received a letter to advise our DD was increasing to £82 a month. I contacted STWA and they advised we have a leak. Not sure how they knew this but anyway they sent out a very helpful engineer. We did various tests and he advised we don't have a leak,…
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Anyone heard of expressofferstoday
Hi, My property has been on sale for few months now. I received a letter in post today from expressofferstoday.co.uk saying they have noticed the property is on sale and would like to offer cash and complete the sale in 7 days. Just wondering if anyone has heard of them? Could be a scam. Any advice is appreciated. Thank you
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Day van for under £6k?. where do I start ..lol
Hi We have been looking for a used SWB van or maybe mpv to use as a day van. Ideally we want one with sliding doors. Probably only about 5k miles a year. We dont intend to sleep in it just use it for day trips with our 3 dogs with some seats at the front, some seats right at the back and the space in the middle for our…
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Clubcard Challenges
Anyone else doing these? Currently I qualify for 600 points or £6 in vouchers. If I spend £44 on certain items in the next two weeks, this increases to 2950 points or £29.50 in vouchers. As I have two easyJet holidays to pay for this means I get £59 off. I'm sure I could get even more. I haven't actually bought anything I…
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Payoneer email about Annual Account Fee?
Hi, Is this a scam? Anyone else had this email from Payoneer: "Starting February 23, 2026, we’ll be updating when the annual account fee will be charged.You'll be charged this fee only if you receive less than 6,000 USD (or equivalent) in any 12 consecutive months. The 12-month period considered will include the time…
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Can I get a personal loan to buy part of a house in cash
My mother and father are currently in rented accommodation; which they have lived in for over 30 years. The landlord is now wanting to sell the house and has offered for them to buy it at a reduced price. My parents are too old to get a mortgage. They have half of the money they need to buy it. A family member has offered…
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Timeshare contracts
Hello. I have a timeshare contract with "Seasons Holidays" which was inherited when my father passed away. The period of timeshare has ended but until my ownership is sold I am liable to annual maintenance fees. Seasons tell me that what my father bought is a true asset which they are trying to sell on my behalf. I am…
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Bridging the gap to state pension.
Hi, I have recently given up work at 55 and will start taking my DB pension from April 26. This will provide some of my monthly income and I will then need to top up from savings (this includes my TFLS from the DB pension) or one of 2 DC pensions I have. These have not yet been touched. The DB pension will not use all of…
