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Comparing electricity tariffs by unit rates rather than payment (Economy 7)
I have an electricity-only home and am on an Economy 7 tariff (i.e. Day and Night unit rates). I'm prepared to shop around to find the best tariff to be on. I understand you need to agree to a monthly Direct Debit amount (or quarterly, or whatever). But what I really want is to track down the tariff with the best night…
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Is this a scam or do I have to pay it back?
Benefit agency are asking me to pay this back allegedly. How do I check it's real? And why am I paying anything back? Shall I google the number then call? [Image redacted for personal information by Forum Team]
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Cheap Jigsaws
Is www.pdk.co.uk a trustworthy supplier ?ie) Has anybody got any experience of using them ?
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Can't get gmail on smartphone
Hi, I have a smartphone, but i only use it for photos. However, recently, companies are wanting "2 factor authentification" with a smartphone, so i have to do that....somehow i manage to do it by tapping around like an idiot but i dont know how. Anyway, a company has sent me a QR code and asked me to use it for…
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Anyone know the practical issues with a type AC outdoor socket?
I fitted one to power an electronic charger for a Phev. The socket is this fellow: https://www.bgelectrical.uk/uk/wiring-devices/weatherproof-decorative/13a-rcd-socket/WPL22RCD-01 but seemingly type AC models like this have been banned in certain countries as some electronic devices, emitting DC waveforms, can 'blind' it…
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Fiver Friday Challenge 2025
Hello all, I've previously taken part in the 365 1p challenge but due to a change in work circumstances I won't be able to participate in 2025. Instead I'm going to try Fiver Friday where I'll attempt to put away £5 every Friday into a savings account. Should mean I have £260 by the end of 2025. I couldn't see a thread…
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Car finance claim. Conflicting informaton
I sent my complaint back in July 2024 when Toyota advised, "we did pay a discretionary commission to the dealer". They have recently come back saying they will be in contact again in December and said, "We can tell you that (a) we paid a commission to the dealer for your introduction and (b) this commission was not a…
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DCA Car finance claim
We put a complaint forward when Martin had brought this first to light last year about the car finance and how we could see if we were owed anything. We have just had an email back from Black horse today to say that they have not found our agreement involved in a DCA, so they have not logged a complaint. Obviously we are…
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Best Sim-only Deals guide Discussion
This thread is specifically to discuss Best Sim-only Deals Click reply to discuss or ask a question about this article click reply
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Quick Query pls re: defaulting/not paying and contact with creditors
First post :) last month I reached a decision that action was needed over unsecured debts that have just become too much to manage. I scanned over the threads and have followed all advice and have stopped paying, had no contact with creditors and am waiting for default. I am wobbling a bit on the no contact with creditors…
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Citibank and processing of UK Pensions
Hi Everyone We live in France and each month our pensions are paid in £s from DWP to Citibank who convert to Euros and pay into our French bank account. Receipt of the triple lock bonus was gratefully received but ever since the initial May payment our pensions have been converted losing money each month. I know the…
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Student loan repayments Scotland
Does anyone understand student loan repayments, specifically for Plan 4- Scotland. I think I may be due a repayment for a few years ago and the year before that but student loan person says no. I am a bit of a unique position (surely i am not the only one) I had a PAYE job in 2021/22 and 2022/23 In both these years I…
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Nationwide £175 Switch on Joint account if already got bonus on Sole
Just looking at this - I am not eligible for any of the new switches as I did all of them in the last few years. Myself and hubby both switched into Nationwide 2 years ago (his was a full replacement of his current account, mine was just for the cash). We have our joint bills account with FD and I would like to keep that -…
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Looking for a global smaller companies fund
My pension has had about 10% of its value in a global smaller companies fund for various years. Specifically the abrdn Global Smaller Companies fund. I was happy enough with the fund at first but it has been quite lackluster for a few years. Looking at other similar funds is making me think that maybe it's time for a…
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SIPP - Benefits then work query
I have been putting £2880 into a SIPP while on Benefits (ESA and was partially moved to UC recently, now on a roughly 75/25 split with UC occupying the 25%). I am intending to go back to work and most likely will be on a wage where I don't qualify for UC anymore (nor ESA). Is the allowance additive when you start working…
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Car finance after deceased
my father sadly passed but he had a car solely in his name. We have informed the car finance company and provided them with a death certificate however they are wanting my mother to reply to an email to confirm her agreement to action a voluntary termination of the contract. It states for them to voluntarily terminate they…
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Mis sold GAP insurance on pcp finance
My daughter in laws car was declared a write off after a tree fell on it during the storms a few weeks back. It was purchased with a pcp agreement and her insurance policy had something called a GAP clause added which should have paid off her deposit and covered the cost of the difference of the price of the car taking…
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Council asbestos survey
Hi all. I’m a lease holder and my local council (Ealing) has now charged me twice over £300 for asbestos survey but have never taken a sample and have only viewed my property from the outside. I can’t see how this can be done, if it’s legitimate and why it’s so expensive! If they’re doing this to every property on my…
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Clam has passed 90 days
Hi all, I’m after some advice please. I hit a pothole November last year. The pothole had been reported and repaired over 15 times in 18 months, multiple times reported by me. I submitted the fast claim and it was rejected. I submitted a FOI, that dragged on and was eventually rejected as I “could use the information in…
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Had Drop Kerb done without planning permission
Hi all, I'm in really terrible situation, I bought a house in 2024 all my neighbours had dropped kerb except mine, I applied to council to get one done in March 2024 but never had a response (Somehow I missed the response in email) . The permission wasn't granted due to dept of the carriageway being 5 meter where only 3m…
