Recent Discussions

Previously if I used the option View Statements , the statement would be automatically downloaded to my phone. I tried this a few times today, but though I could see the statement on the phone, there was no file downloaded. I looked in all the phones top level folders. Has there been a change in the app? I couldn't see any…

OK so that maybe slightly optimistic but you have to dream big! I’ve been reading these for a while and decided it was time to go public instead of lurking; hopefully I can keep up with it and keep motivated. I have a mortgage which is not huge but I still have one. Originally £80,000 in November 2015 and as of tonight…

Has anyone (customers only) opened, payed in or transferred onto the HSBC Isas cashback offers yet? If so, any communication from HSBC that the new ISA account qualifies for the cashback? I opened one but no idea if it qualifies, the other day I moved money from my HSBC account onto another bank and now I have returned it…

Hi, i am shopping around as you have to nowadays for a new electric supplier, as i just got a 20% raise in off-peak & a whopping 39% in normal rate. Then i came across EDF prices & there EV tariff seems ok compaired to others. Do you know if I can charge my home solar batteries up on this tariff ???

We had a phone call last Friday from an unknown caller wanting to arrange to read our solar ev energy meter. He wanted to come on Monday but we told him that today was the first available date. I felt somewhat patronised by the tone of the call! He arrived at the arrange time this morning and just had a perfuctory glance…

Hi All Thought it was about time we had a thread specifically to discuss relevant press articles relating to solar pv & thermal ..... so here goes ... Z

They are hard up and have suggested no present exchange for this year. So I am wondering if I can think if a way of helping out with something like a regular shopping support for a few months or petrol. You get the idea. Not keen on just money gift as can get lost in the whirl of casual shopping. Don't want them to feel…

Happy New Year! I thought we need a new Thread to discuss this - because not everyone uses Facebook. Has anyone else heard anything? 

Anyone else got the email to inform them their credit card is moving from Mastercard to Visa? I have a Clarity credit card as I get free foreign transactions, which I thought was just a mastercard thing. It doesnt really say if this will still apply when switching to Visa, and even Halifax helpdesk werent sure when I spoke…

So, I haven't been great with money lately and my spending has got the better of me, coupled with the fact I took my eye off the ball and didn't budget for my tax payment this month 😬. I have managed to get it covered, but I need to pay attention to sort out my debt. In about 5 and a half years, my mortgages will be paid…

hello I am now in the stage of having received default notices, and letting them go through (aka the 14 days period) I’ve received letters saying the whole amount is now due and I am unable to make monthly payments. Do I wait for the DCA to send me a letter then set up a payment plan with them? NatWest had a default…

We've just returned from a 6-week trip from the Baltics/Finland. Plenty of time and opportunity to check roaming with the two SIMs in my wife's phone. Data was fine with both. We had a feeling that Spusu was quicker in getting a connect and also somewhat faster once connected. Both SIMs gave us a mix of LTE/5G and I…

Hi everyone, I’m taking the plunge and starting a MF diary as DH and I want rid of the millstone around our necks. We both work full time and are currently supporting DS2 who is in year 2 at uni. DD finished uni in the Summer and has a temp job so we aren’t charging her rent atm. DS1 lives with his GF so they are…

Hi all, I've been parking at a friends car park and my reg has been entered many times. I received a fine with Civil Enforcement and appealed it knowing (incorrectly) my Reg had been entered. I then appealed the fine with a copy of an email from my friend who rents the office saying I was allowed to park there and…

I have finally gotten some defaults now but I have a few questions: Q1) Opos Limited: I have started my first payment to Opos Limited collecting for JAJA CC due to them saying in an email that they have not been able to contact me and therefore have no option but to return the case to their client and advising legal action…

Currently on a debt management plan and have sold our house to release equity to pay off our debts. We have a couple of issues with this we owe 56k and have 50k available but I am currently 8 months pregnant and our car is broken - cracked windscreen, doesn’t lock, front door doesn’t close properly and we cannot fit all 3…

I used a free car park which bhas no payment facility in June 2025. Received. PC for staying 19min longer 2hrs max. Appealed pooor signage, wife had back pain attack included recent X-ray from ongoing evaluation/treatment and offerred to pay any loss suferred from the alledged extra stay. The appeal was rejected. I have…

I have a regular job and then self employed income too as sole trader. Income from self employed is about 25k from tax year. Overall income from both is over 100k. My understanding is I do not need to be VAT registered as sole trader as less than 85k per tax year earned as sole trader. If I have expenses, so for example a…

Hello! Please help, I'm freaking out EDIT 1: since posting I have now read the NEWBIE guide and will add comments as relevant to the bottom of this post I have been working away from home for about 3 weeks and have Returned to 6 letters from various companies, ZZPS, GCTT, and Oak Legal Services (all trading under the ZZPS…

Hi, I'm a long time lurker, first time poster. I have been enjoying this forum immensely over the last few years, especially since I saw the road to retirement end date in sight. So last week I am pleased to say I handed in my notice and triggered early retirement (ER) commencing in just over 3 months time. I have a…