-
IVA Complete 15 years but being chased for an old debt
i had an IVA back around 2005 and completed it around 2010/11. i received my certificate at the time but over the years this has been mislaid but also i have never needed it as all by Debt where cleared. ( or so i thought). my IVA was dealt with by Debt free direct who i know now was later taken over in 2017 by…
-
Plan 2 AND Plan 5 loans (Current PGCE students) - repayment rules costing £10,000s?
Hi all. Bit of a niche one this, but bear with me! Will affect most PGCE students who have done an undergrad degree followed by a PGCE that commenced: last year (Sep 23) this year (Sep 24) next year (Sep 25) These students will have had a 'Plan 2' student loan for the Undergrad course, and 'Plan 5' student loan for the…
-
Kindle for a teen
Hi all We've bought our book loving 13 year old a Kindle for Christmas. What's the best way of setting her up so she can build her library? Is there a way of setting her up on my Amazon account and capping what she can spend on books. Any other ways of doing it? I don't want her getting carried away but also I don't want…
-
Sun winner week 15th November
Sorry to ask but I won the Sun sports quiz competition from !5th November drawn on the 20th November I saw my name in the paper on Saturday! I havent heard from them yet! Do you think its early or wondering if the email has been lost! Should I contact them and has anyone any ideas of how!? Sorted now had an email yesterday…
-
WARNING and help?: Debenhams and daylight robbery /misselling protection
I was shopping at Debenhams online and upon checkout a delivery protection fee of £15.99 was added to my order. I did not realise this until I had checked out and paid, despite carefully reviewing my order before placing it. It must have been a ticked box somewhere, Debenhams describes this charge as optional, but I never…
-
Paying lump sum into pension
sorry I can t get my hand round it, I want to pay 30k lump sum into my pension, im 58 and earn around 60k and pay 15% into my pension 3% the company puts in, its stuck in an isa earning nothing so what tax relief will I get ? I don't understand the 40% bit how do I get it, and is it worth doing ? Thanks
-
"Average Earnings Growth" and triple lock
The triple lock is based on the "Average Earnings Growth" figure for July 2025 (released in August 2025) and the CPI for September 2025. Does anyone know what the "Average Earnings Growth" figure is for this July? I'm finding it very difficult to track down and find out if it's the figure including bonses or not.
-
Financial Ombudsman not upheld complaint
I have heard back from the Financial Ombudsman & they have not up held my complaint against Zopa loans. In his reasoning the FO claims my debts totalled £28k at the time of the loan being taken. In actual fact my debts totalled £42k. I learned during an argument with a different loan company that my three Updraft loans…
-
Online broker whilst living abroad
Hello, Has anyone kept their investments with a uk based online broker whilst living abroad? I know vanguard.uk do not allow their customers to keep their account if the move overseas, but I was wondering if the likes of HL allow this.
-
Voluntary Class 2 NI while living abroad
Hi, doesn't seem to be covered in most headline bulletins of changes but can somebody explain in more detail please? Page 50 Page 108 Am I reading this right that the general class 2 eligibility will be removed (subject to final approval) from 6th April 2026. What I don't understand is the second bit about the 10 year…
-
Help with changes to current set up
Hi, We bought a house last year with solar and battery set up and I am keen to get some help to work out some changes please. Existing system:4.86kw Solar PV comprising of 12x Black JA Solar 405w panelsGrowatt 3600TL Inverter (in attic)MyEnergi Eddi hot water diverterFox ESS 3.7kw (non-hybrid) AC coupled battery charger…
-
Teachers Pension - Take at 55 or 57/58
This reads that if you are currently say 45 and a member of Career Average only, you can still claim everything at age 55 even though your NPA is 68. Is this correct? Change to the Normal Minimum Pension Age On 6 April 2028, the Normal Minimum Pension Age (NMPA) will increase from 55 to 57. This will impact the age at…
-
TSB Dream Fund Prize Draw (September 2025)
Launched today. From what I can see after a quick glance through the T&Cs, there are two routes of entry into this. Entry routes: 1: Deposit £5,000 from another bank account (not TSB) into one of your TSB accounts anytime during the promotion period (all of September) and keep it there until at least 1st October. So you…
-
Paying 3 Years National Insurance Contributions
Hi, I have not worked for many years as I lost my job due to Covid, and did two years of Accountancy Qualifications. Last year I was diagnosed with Bowel Cancer, and had two large operations the end of last year and have been suffering health wise since and I am not getting any help from the NHS. I phoned up the DWP about…
-
Notice of Proposed Allocation to the Small Claims Track
Hello, I'd really appreciate your advice. I received a PCN fine back in November 2023 for parking at Tesco's. The fine was issue by "HORIZON PARKING LIMITED". HORIZON later escalated to Gladstone Solicitors limited. I received a claim form for 253£. I follow the guide to MCOL and acknowledged service ('AOS'). I submitted…
-
Cinch - anyone had recent experience with them
I live in a rural area and was wondering about using Cinch for a new car (not new new!) just wondering about peoples experiences - I have had a look at one or two complaints but can't see anything recent or anything positive?
-
Winter crops - kale etc.
I have a small area in my garden I use for planting vegetables in summer but recently visited a friend who purchased their house in March and they got it with garden full of kale. Decided to try it myself and planted it all with kale in early September and now have a lovely green, knee high plants which should provide me…
-
Section 75 help NFL
Hello all, I recently booked tickets and went to the NFL game at Tottenham stadium, the tickets were meant to be hospitality with early access from 11:30 prior to the 2:30 KO for food/drinks etc. All week the NFL and Ticketmaster advised to save our QR code tickets to the NFL app for access which we did. However on arrival…
-
Carer's Allowance: 10,000s set to have outrageous overpayment debts wiped
Tens of thousands of unpaid carers could have debts built up in Carer's Allowance overpayments wiped or reduced following a new review. Separate action has also been promised to address the benefit's earnings cliff-edge. MoneySavingExpert.com (MSE) gave evidence to the review, with its founder Martin Lewis previously…
-
PSA: Check your HMRC Tax Calculations if you have a Zopa Cash ISA
My Experience: HMRC said I owed £308 due to untaxed savings interest. I knew this was wrong as my savings are in a Cash ISA. After investigating, HMRC acknowledged a major flaw: Zopa did not correctly report the account as an ISA, so HMRC treated it as a taxable account. The Real Issue: HMRC's notices are vague. They don't…
