Recent Discussions

Hi all. I’m currently looking at setting up a DMP due to the amount of debt I currently have. ( over £60k ) I would just like some advice and help if possible on a few things. Having read a few posts on this forum I’ve set up a new separate bank account and my wages will now be paid into this bank. I’m currently in the…

Official MoneySavingExpert.com Insert: If you've come through to this discussion from this week's email, welcome to the MSE Forum. You've joined our Old Style MoneySaving forumites chatting about how to prepare for winter. Read below, read the last few pages of the discussion to see their most recent posts and click…

Apologies (esp to Keep_Pedalling) for coming back on the gifts topic again. Have spent time pulling schedules together which look at income and expenditure (and can be maintained), so my Executors dont have to. Frankly this would have been so hard for them. Regarding normal expenditure - I have looked at HMRC guidance and…

Apologies in advance if this is a much answered query and I've just not got the terms right when searching the forum. My SIPP is almost entirely invested in Vanguard Life Strategy 100%. At a point in the current tax year when I think the fund is reasonably high I sell an amount equivalent to what I want to take out in the…

I am having to keep messaging Shein, as I returned a pair of sandals on 23rd Aug and it says they were received on 26th Aug, but says awaiting warehouse pick up. It’s now 9th Oct and I haven’t had a refund. It’s not a huge amount but is there anything I can do? My latest chat message to Shein says it has been escalated and…

I recently checked my credit card account and found that we had unbeknown to us, we had been paying a subscription to FAQ-Flash.Discount of £8.99 since 2024. I have subsequently contacted this company to retrieve the money but they have only returned payments for the last 3 months. The only way to contact them is by email…

I am 54, looking to retire early next year when I am 55. I currently work part time and pay 5% into workplace pension, employer adds 3%. This pot has around £16k. I have two DB pensions, one which I plan to start taking next year which will be approx £6k per year. I will top this up with savings for day to day living,…

We have just transferred from OVO, we are waiting for our final bill. The account was a couple of hundred pounds in credit and we expect most of this will be returned to us. Normally the bill arrives in the first few days of the month,we are concerned that its taking longer this time despite smartmeter final readings. Is…

Anyone having issues with the Club Lloyds fee waver? I pay in £2000 every month and usually have the fee taken and waived at the same time. Today they have taken the fee, but the waiver reinstating it isn't there.

Looking for advice to max interest and min tax burden. Just sold my parents property and the money has come to me in the short term. I am a basic rate tax payer. Mum has passed and dad has dementia so we have POA for him. He is in residential care and needs to self fund so ultimately the money will go towards his care but…

We are on the EDF EV tariff and currently use 2/3 of our electricity at the cheapest rate. It's a great deal for us for cheap electricity. But the associated gas tariff for this electricity tariff is simply the standard variable gas tariff I looked around a few months ago for a better tariff, and chose the Fuse Single Rate…

The Co-operative Bank has launched a new switch and stay offer of up to £300 £200. It comprises: 1: £125 to switch, 2: £25 per month for 3 months to stay (the 3 months begin on the day after you receive your £125 switch payment), 3: £100 loyalty bonus (this part is only available to people who were customers of Co-op Bank…

Hi, I'm a 50/50 inheritor of a will, and the estate solicitor has produced the accounts for the estate. The problem I have is, without going into too much detail, I feel this solicitor has shown considerable amount bias to the other inheritor. It's also the case that the other inheritor has had far more access to the…

Hi folks, I sold an item on Ebay, probably first item in over 20 years, well I thought I had signed up to an auction but anyway half an hour later the item was sold, so even though I didn't see a buy me now on my listing somehow (probably my fault) that's what it must have been. Got a good enough price for it anyway Anyway…

This thread started life as a discussion about the DLUHC's Call for Evidence but EDITED 2025: Let's kick this off again in 2025 as evidence for the MHCLG for the Summer Public Consultation. We need evidence of private parking t&cs signs. If you take photos yourself, please show them as a screenshot to show the date a photo…

This may help some others here. There is a bit of a postcode lottery involved. I used self-referral rather than visiting my GP: this was permitted in Birmingham and Solihull. I telephoned Specsavers and immediately obtained an appointment for a hearing test. It took three working days from start to finish to obtain my new…

it's a wild weather morning.

I'm really frustrated that Sky Mobile don't seem to value their loyal customers and don't give them access to the same deals as new customers. I thought there was supposed to be a stop being put to all that. I've been looking at SIM plans, I'm out of contract and currently paying £14 10GB data, which is actually really…

I am 57 years old and want to retire now due to hating my workplace. I have a pot of 640000 invested in a smoothed pru fund. I need around 35k a year from now to state pension at 67 then drop it to 20k a year plus SP. Mortgage free. Is this viable to go NOW !!

Nearly all the highest rate FR Cash Isas listed on the MSE website are for providers with exposure to these liabilities, As a result I have invested substantially in several of them without knowing this. Would it not be a better service if the affected providers were marked with a car symbol. I realize they are all covered…