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Moving from Alpha to Partnership - tax code change question.
Hi all, I’ve switched from Alpha to Partnership. £2,800 a month is deducted by payroll. L&G add £700 for basic rate tax. My Department pays £1,500 direct to L&G. Total is £5,000 or £60k per year. Perfect. Total contributions are £2.8k x 12 = £33.6k, so I think I’m due an extra (40%-20%) x £33.6k = £6.7k refund. Ie my tax…
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Sainsbury's Bank sold to Natwest
https://www.about.sainsburys.co.uk/news/latest-news/2024/20-06-2024-sale-of-core-banking-business-to-natwest-group Unlike Barclays purchase of Tesco Bank, it doesn't seem this deal includes ongoing usage of the Sainsbury's name, so Sainsbury's Credit Card customers will become Natwest (or I suppose maybe RBS or Ulster…
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Lots of undeliverable emails in spam
I had a fraudulent transaction on my credit card a few weeks ago. Luckily I had an alert from the CC company who reversed the charge and sent me a new card. A few days later I noticed that Netflix had been added onto my TV package which I did not request, but they insisted it had been done via my account on chat. This has…
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IG Promotion - Invest £50 or more and get between £40 to £200 in bonus shares
Hi, Just came across this promotion and having read the T&C's I am not fully clear. https://www.ig.com/uk/bonus-shares-promotion-oct-25 1. Open the account e.g. S&S ISA or GIA and pay at least £50 in 2. Buy some shares and use up the full £50 in one transaction, ideally you make 2 small extra trades (higher pay in…
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DCB LEGAL CLAIM FORM
PLEASE HELP; After ignoring numerous letters from Euro Car Parks and subsequently DCB Legal I have today received a Claim Form. I am determined not to pay BUT this forum and its chaotic nature is making is nearly impossible to understand. The date on the Claim Form is 13/5/2025 asking for the sum of £270.64 I have managed…
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Co-op bank phone lines
I have been on hold to the Co-op Bank 0345 600 6000 number now for TWO HOURS and SEVENTEEN MINUTES and counting. It is simply inconceivable that there are enough people waiting who are prepared to wait for more than two hours. I can only assume there are no staff at the other end. This really is a deplorable example of…
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DCB legal ltd solicitors court claim letter
Hi everyone, Hope you can help me out with writing a defense regarding parking fine. I will post a letter shortly after. Long story short : original parking fines probably were delivered to old address. I updated v5 document and then i received Solicitors threatening letters to my new address. So i have no idea how i…
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lloyds prize draw
If you have a lloyds account go to everyday offers and activate it You could win up to £5,000 cash with Everyday Offers: 1 prize of £5,000 3 prizes of £1,000 10 prizes of £100 Prize draw closes at 23:59 on 31 October 2025. Winners will be drawn within 7 days of the closing date and notified by letter. One entry and one…
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Switched from Octopus to EON, still within 14 days cooling off, and now eyeing up British Gas
Hi all Like it says above - a few weeks ago I switched to EON, and straight away this better deal has appeared from BG. I have 2 days left on the cooling off with EON - if I cancel today, it will revert to Octopus - I guess I have to wait for confirmation of that and then can go for the BG deal? Just wanted to check I've…
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30p direct debit query
Switching from chase to nationwide using the 30p dd website. I am only doing 30p. Does this still qualify for bank switches? It is not clear on the site. It does say 60p is
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Inheritance tax forms
I am executor of an estate of a friend who recently passed away. Her husband passed away in Nov 2021 and left everything to her, his spouse. (property and money). Her estate is worth about £600K. The online IHT checker is saying there is no IHT to pay. However, do I still need to complete at IHT 402 to transfer her…
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Moved: NCP, member of BPA association parking fine for being in car park for 12 minutes (i did not …
This discussion has been moved.
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MSE News: Car Insurers to pay £200m in compensation after short-changing 270,000 motorists
The FCA’s found some insurers underpaid claims on written-off or stolen cars. Around 270,000 drivers will share £200m – with nearly 150,000 already paid. If you’re due money, your insurer will contact you. You don’t need to do anything – just watch out for scams. Read the full story: Car written off or stolen? Insurers to…
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Wrong quantity delivered.
Ordered almost £200 worth of goods from an online company and paid via PayPal. The items were advertised as 6 packs and the company has sent 1 of each item for all of the 20 x6 items ordered. On contacting the company they stated the listings were all mistakes and it should have been for 1 item only and not 6 packs. They…
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Rolling Down the Green Hill Towards REtirement 😊🌄💚💜
Happy New Year!!! As our MFW journey finished back in July 2015(wow!) on our family home and Apr 202 on our BTL (because we sold it! :D ) I thought it was time for a new diary (seeing as some others are doing it, I thought I'd also jump on the bandwagon 😉 🚙) and the new year seems a good time to start. Back when I started…
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Motor Finance Agreement Timeline Query for DSA
I think I know the answer to this but just wanted to run a query by you more knowledgeable folk! I started an order for a car on PCP in January 2021 but due to lead times on the vehicle being continuously pushed back I didn’t receive the vehicle until July 2021. The actual finance agreement was signed with Northridge in…
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Repair Puncture myself?
I have a screw in a tyre just happened yesterday and the car info system was moaning that is why I knew. I am having to blow the tyre up before every trip, luckily just a couple of miles a trip. Should I buy one of those tyre repair kits to plug the hole tomorrow or take it to a tyre repairer?. Or even use the kit I got…
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Mortgage free in 4 years
Hi All, I have been reading these diaries for a while, I never really post anything, but it helps keep me to my journey as nobody in real life seems to be on the same path. When I tell people I am overpaying my mortgage they ask why? lol I took this mortgage in 2016 (£310k) and the interest just got lower and lower over…
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How can you have light up Mirror in bathroom? Surely it’s not safe?
Hi all im asking this question because I’m renovating a house and plan to have a new en suite. I was recently browsing a well known site for deals that are hot and there was a great deal for a bluetooth cabinet bathroom mirror that was light up. Indeed, when you open the cabinet door a light comes on. Obviously then this…
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Fishy smell coming from the car
Hey guys I have noticed this week a fishy smell coming from the car. I noticed it on Tuesday when I'd gone out and it was fine before that. It's running ok and I checked by lifting the bonnet and there was slight odour but nothing as bad. The smell is disappearing I noticed this morning and now I sat back in and it's…
