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Ford Money inability to transfer my money on maturity to my bank account
I've a fixed bond maturing with Ford Money on the 6th April 26. They have asked for my maturity instructions. I want the money transferred to my bank account so I can move it elsewhere. The drop down menu on their on-line account doesn’t allow for this. Although the written instructions say it’s an option. The drop down…
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New Mortgage just as rates have went up
Good morning all, We are n the process of buying our new build home just as the volatility has started, my partners credit has made it hard to find a suitable mortgage before all this but eventually found a lender and deal we where happy with. Since the start of the war rates have obviously shot up and while i personally…
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Sky chat advisor tells me I cannot leave Sky broadband penalty-free
I am used to re-negotiating my broadband price after a price rise notification via Sky's live chat, so I was very surprised with today's discussion I had below. Not only did they tell me they would not lower my price, they even said I cannot cancel my contract penalty-free. I read in an MSE article that this has happened…
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Experience with Qatar repatriation
Hi, I’m currently in Vietnam having flown out with my wife just before the current Middle East situation kicked off. We are supposed to fly back with Qatar Airways on the 1st April. I believe all Qatar scheduled flights are cancelled until 28th March and given what I read in the news it looks like Middle East airspace…
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Capital Gains Tax .. imperfect info
Hi, I bought a property in 2004 ( a holiday home). I sold it in February this year. Im trying to do the CGT return for HMRC but am stumped on one thing. I bought the property for £109,500 . I can find out how much stamp duty I would have paid but I’ve lost the invoice for how much I paid in conveyancing fee. (Solicitors…
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Car insurance excess question.
I bumped into a parked car this morning on my way to work, I left a note and the owner called me and we exchanged details and I've notified my insurance. I'm a bit confused about the excess. My car didn't suffer any damage really, however the other car had some damage. Will I have to pay the excess once the owner claims on…
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Mortgage broker - ask me anything
Thought I would start a thread where people can ask the brokers opinion on things @ACG @LRmortgage @kingstreet @Deleted_User (any other brokers want to chip in - these were the main other brokers who came to mind. It is definately an interesting market - probably the busiest I have ever been but at the same time lenders…
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Prepaid card charity fees
Hi Our small charity has been using Equals Money prepaid credit cards for years because they waived the monthly fee for all charities. Today they have informed us that they will no longer waive the fee for any charities and we will be charged a whopping £25 per month. Are there alternatives to Equals who charge less or…
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Council tax rebanding on a former property
Hello, First time posting on here after lurking for many years :-) The current owners of a property I used to own have successfully challenged their council tax band from an F to an E. On the gov.uk website it states the E band is effective from the date I bought the property (June 1999). I paid F band when I lived there.…
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Used Car faulty within 6 months of purchase
Hello, I am seeking some advice in relation to a used car my partner bought which is now faulty and wondered if we stand any chance with the dealer / manufacturer in relation to repair costs. Electric Peugeot was purchased through Cinch on 16/04/25 and delivered on 23/04/25, Cinch offered a 90 day warranty with the vehicle…
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How to deal with unresponsive company?
My teenager managed to order £120 tracksuit which doesn’t fit so wants to return but doesn’t know how…I had a look on the order confirmation which states Returns not possible, full stop. I googled the company, found the registered address in London. All good. the website is literally blank as they are “awaiting new stock”…
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Milann’s mutterings through retirement
I thought it was about time for a new diary. Ive been a member of MSE many years now and got my debt down from £20,000’s to a big fat ZERO. I kept the debts to myself as I was the one who built them up. Dh would have been ok and we’d have worked through them together…..but it was my mess that I wanted to clear myself and…
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Nest Pension - anyone have experience of taking money?
I'm looking to start taking money out of Nest, but I'm getting conflicting advice from them. On the one hand they have said "If you have £3000 or more in your pot you can take some cash out and keep saving with Nest. You can do this once every calendar month. Up to 25% of each withdrawal will be tax-free, and the rest will…
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Unusual approach to mortgage
I'd like to buy a house with my partner (aged 32/33; first time buyers). Financially, I see the advantages as: mortgage interest and house running costs less than market rent rate (hopefully) hopefully appreciating asset with no capital gains taxes tax free income (rent a room scheme) increase in inheritance tax free…
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£25 Amazon gift card for opening a Santander current account (27/11/2025 to 09/12/2025)
New £25 Amazon gift card offer launched today. Can be withdrawn at any time. LINK (taken from MSE, there are other participants whose links you can use). THIS OFFER HAS NOW ENDED. Requirements: - Register with VoucherSent and in the same session successfully open a new Santander Edge, Edge Up, Edge Explorer or Everyday…
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Moneybox - FSCS Protection?
I thought I read Moneybox was FSCS protected, but on the FSCS website, it says they are not? This is a bit worrying given MSE recommends them as the top interest for transfers…?
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Free plastic bag for meat and fish
I work in a supermarket that doesn't have the small plastic bags for fruit and veg. Most people just pack their veg with other packaged goods. I had a customer yesterday insist I gave him a free compostable 10p bag for his meat. I asked a manager and they said just let him have it. I just wondered legally do we HAVE to…
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MSE Forum Poll: How often do you carry a bottle of water around with you?
Staying hydrated is important, and having a reusable bottle of H20 at hand is fairly commonplace these days. It's meant to be more environmentally friendly than buying a disposable bottle ad-hoc, and can save you having to track down a shop or vending machine. Sometimes public places like train stations and shopping…
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Hoping to refresh my small 50 sq feet kitchen
The kitchen in my 1 bed flat needs some TLC!! It's a compact 50 sq ft area, L-shape layout I think. Will send some photos. So mixture of cabinets & 1 set of deep drawers on the left hand side & a corner space. There's a rear aspect double-glazed window above the sink & some more cabinets under the sink & to the right. The…
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MF Date 2037 - MOP it up by 2030?!?
Hello my fellow MFWers. I've decided to start a new thread now that I am debt free (4th June 2025) - yippeeeeee! I took out my mortgage in 2021 for 16 years and I'd absolutely love to get it paid by 2030 but we've recently been told that our tiny team in work is being transferred to another department and our job is very…
