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79th Group investment
Looking to see if anyone has had any success, or positive progress, in recovering their investment, following the collapse of the 79th Group?
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SIPP - practical question
Hi I have a practical question regarding reinvesting tax relief back into my SIPP. Grateful for any help, as I can't find the answer elsewhere on-line. Apologies in advance if this has already been answered elsewhere. My situation is this: I am a higher-rate (40%) tax payer who contributes regularly into a SIPP. Via my…
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Road to Financial Peace
Hello, Happy New Year. I have attempted keeping a diary a few times on here but never kept it up for one reason or another. So here I am again but more determined than ever to shift this debt (I am not getting any younger lol) So I am late 40's married with 2 adult children still at home. DH is the main wage earner and…
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EDF have changed Economy 7 times
I have a property with Economy 7 as my only heating (since 1991!) I'm on a standard variable E7 tariff with EDF. A smart meter was installed in Feb 2024 anticipating the RTS switch off. It has worked perfectly, with 5 night storage heaters receiving low rate electricity between 00.30 - 07.30 (GMT) for 16 months. But, in…
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Kangen Water Machine
Hi, I’m looking for a kitchen mixer tap that works with a Kangen water machine. My current tap is too small and none of the adapters fit. I need one with a standard removable aerator (M22 or M24). Any Amazon UK recommendations? This has been stressing me out for a few days. I know i could go into B&Q I know alot of people…
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Whether to Buy/Rent Advice Please
Hello, I’ve just returned to the UK from the Middle East for 8 years. I will start working in London but currently based in Manchester with family for the short-term (need to be in London 2-3 days/week). To reduce the commute the plan is probably to be based closer along the train line (Crewe, Stafford) either renting or…
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Wi Fi Dead spot
I want to install one outdoor Wi-Fi camera in my garden . Problem is the wifi is too weak to connect to camera. I don't want to mess around with extra cables so I was thinking of using Home Plugs which use the internal mains cables to move broadband around the home. I already have two TP link home plugs in use One is…
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Smart Parking Ltd, Parking Fine
I have just received a letter from DCBL asking me to pay a parking fine for overstaying at a Smart Parking Ltd car park in July 2024 between 6am and 730am. I haven't received any previous letters to appeal etc due to moving house and not updating the V5 log book (I did update driving licence before this took place and…
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ECP DCB Legal court claim 2025
On 21st March, I received a PCN from Euro Car Parks for parking in Chelmsford Meadows car park. The entry time was recorded as 24th February 2024 at 23:16:41, and the exit time was 25th February 2024 at 03:40:23. However, I live 27 miles from Chelmsford and was at home asleep during this time. It appears that my car has…
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Elite Insurance / PwC letter re: Administration
Hello I've received a letter today from PwC who are administrators for a company called Elite Insurance that went into administration in 2019. That seems legit and I have verified on FSCS website. The letter suggests I had a policy with them (quoting a policy number) and asks if I have a claim. I have no recollection of…
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Add savings interest please
Please could "savings interest" be added to the calculator? I feel this is a very significant option, given the whole raison d'être for this site is based on maximizing savings. This is such a huge factor, I've no idea why tax calculators don't consider it. It's also very obscure. I found out recently that HMRC will add…
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45k Capita Cash Pension - What to do, need help
Hi there, I am a bit in the unknown about all things pensions and looking for some pointers and help. From a previous employer I have a pension pot with ca 45k in it just now. It's not invested, just a cash pot. Every year the pot is increasing by inflation, up to a maximum of 5% so unless inflation sits above 5% spending…
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Car Parking Refund from Ryanair after they have cancelled a flight
I made a car parking booking via Ryanair at the same time that I booked my flights with them from Manchester Airport. A couple of weeks later Ryanair cancelled the return flight, so we had to rebook our return flights for a day earlier, as they had no seat availability on the original return date. Because the initial car…
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Deposit claiming from the tenant
Hi, I am making a claim against the tenant’s deposit in relation to repainting costs. The property was provided to the tenant freshly painted throughout, including all woodwork. This condition was clearly recorded in the inventory, which the tenant reviewed and signed. The tenancy lasted 15 months. At the end of the…
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Consumer Rights for engine failure on car
Car bought January 2025 2H 2021 reg plate Last week the engine failed. Taken to the garage and they confirmed the tip has dropped off the spark plug (Car has a wet belt) and it will need a new engine at a cost of £6,000. The garage tell me the spark plugs should have been changed every 4 years OR every 33,000 miles. When…
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Bonds with life insurance
please advise invested £50000 in 2004 cashed in about £9000 bonds now only worth approximately £42000 so no a good deal .We (as joint account) need to cut our losses and move on .We calculate that by cashing in we won’t be subject to tax .As we’re on 20% tax Many thanks
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Quote to get kitchen redone - does this seem reasonable?
Hi all, My partner and I recently bought a house and we are looking to get the kitchen redone (the kitchen is quite small, 2x3 meters). We've received this quote for the work (excluding the kitchen units, flooring, and tiles). We’re in North Yorkshire and just want to check if this seems reasonable to people who have done…
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brother offering to buy the remaining shares of our shared ownership house for us
My brother and sister in law have come into a substantial amount of money. They have no debts or mortgage and have said that they'd like myself and my husband to have the security of owning our house outright. We are 58 and 74 so cannot have a mortgage even though our income is pretty healthy. (4000 a month) We currently…
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Approaching retirement - best beginner tips?
I’m a novice when it comes to pensions. Ive only ever had DB pensions but am now 55 and wondering if there is anything obvious I should or could be doing. I’m not expecting a full IFA assessment but is there anything you would do in my position? I have 2 x DB pensions, one retirement age is 60, other (my current employer)…
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Is this an extension, or a conservatory?
Is this an extension or a conservatory? It looks unusual to be a conservatory, but the glass ceiling makes me think it's not an extension either! Any ideas? Also checked the councils planning portal, no submitted applications. However, could also be due to it being within the required limit so no planning permission needed…
