Recent Discussions

Hi everyone My LGPS fund are saying that the pension age to access your pension will rise to 57 in 2028 however they are awaiting guidance around who is protected. The government consultation read that anyone in the scheme in November 2021 would retain the 55 protected age. My calculator still lets me put 55 into it…

Did have a search - didn't see any mention of this in the last two weeks……..went to print off latest statement from the PC Online servicing portal - and basically now shut……use the app…..

I'm sure that podcasts and video are the way forward but for those of us that are hard of hearing and or deaf they are an absolute nightmare. Background music overpowers the speaker, the speaker talks far too fast. More and more i want more info about this and that to be directed to a podcast and i connot hear the speaker…

In anticipation of the closure of the Barclaycard Online Servicing web facility on 19th August, I decided to investigate the current Barclaycard facilities in Barclays Online Banking. As a long-time user of the CSV export facility of transactions, I tried the facility on the Barclays site. Not only are the columns in a…

I want to take a tax free lump sum from my pension now. I believed it would trigger MPAA but I am confused after reading everything my pension provider sent me! I have not retired yet and will continue to work and make pension contributions for at least 2 more years. I want to withdraw approx. 20% of my pension now, tax…

Hello, new home, new thread. If this is your first time here, welcome, I'm Ruby and together with my husband Mr Eskimo, we're on a journey to be mortgage free. We bought our first house in 2017 and made quite a big dent in the mortgage over that time, mostly due to some inheritance money and taking advantage of a very low…

morning all, So I took the recent wine wharehouse deal and received it already ! great . Did anyone else have a payment taken from their account to "wines of the world" on the same day ? Its only for £11.93 but seems strange its on the same day as the Virgin wine payment and I have never heard of them before (totally…

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…

So Energy has on the 15th August added some 3365kwh on top of my normal metered usage ! Changing my meter reading overnight from 8900 to 12,265! I called them and the came back after 10 minutes on hold to say that it’s Industry data added on as well as your meter readings. I asked them what that was as I should only be…

Changed my daughter on my car insurance last year to main driver. Was told at renewal she would inherit my NCD I intend taking myself of as a driver. Contacted them today and they are now saying that is not the case. If I make her the policy holder instead of myself will that let her have my ncd.

Hi all, I'm in a property that has SMETS1 Smart Meters for both Gas and Electric - they were like that when we moved in. The people before us were with OVO, and I'm with Octopus. Both suppliers have been able to connect just fine to the SMETS1 meters and do the readings. I want to switch to Outfox because they are much,…

The market is going to be very volatile, it already is. I need to get my money out of a very highly managed expensive SIPP and into a self managed one, the trouble is when I’m going to be able to do this without suffering a major loss as I know nothing will happen with my funds for weeks in limbo.. is there going to be a…

Currently my ISA is with Leeds Building Society earning 4.16%. Is there any reason not to move it to Progressive at 4.5% apart from the 2 withdrawal restriction? I appreciate that both rates are variable so either of them might pay more in 6 months time. I would want to be able to add further funds within my ISA limit…

Hi all, I have read the NEWBIES thread and understand that after losing at IAS there is nothing I need to do unless I receive a proper Letter Before Claim or court claim. I wanted some advice on a few specific points in my case and also what I should realistically expect if it does end up in court. This is an OPS…

Don't realise how messing up your credit rating can effect you life. My credit rating was very poor due to stupid things I did. I matured and came to Martins money and followed his advice. Went from very poor to good. I have three catalogues I use to get small things but pay them off. I have two credit cards Zable with a…

Hello all, I am new here and have tried to find to correct answer to my question, which has two parts to it. Firstly, I received a PCN from Minster Baywatch. I am looking to appeal but on the back it states "we dont accept appeals or complaints by email"? Is thst normal or a invalid statement? Secondly, the parking…

Hi all I have received 11 letters and now a claim form regarding this parking infringement for over staying. I must admit I ignored them but they don't seem to be giving up so I need to do something now we are at this stage! I am the registered keeper of the car. The car overstayed in the car park on the 22nd March 2026.…

I am asking on behalf of a friend.. They were on DLA some time back, maybe pre 2016, and they got transferred over to PIP around 2016. Now in 2026 they have to do a new PIP form. I'm looking for what they wrote on the form last time. They have a file on their computer of a scanned in DLA form.. but not of a scanned in PIP…

Our 2 years fixed deal with Leeds BS is ending in January and my mortgage advisor is starting to look at rates for me. She emailed the other day to say could I speak to Leeds to allow her access as she couldn't check the account as there was a block that needed taking off the account. They called me from Leeds this morning…

My brother and I have inherited my dad’s estate after his death last year. Probate has been granted and IHT has been paid. The net estate (after IHT and some cash legacies) consists of a house valued at £600,000 and £300,000 in cash and equivalents. The will divides the estate equally between us. There is no mortgage. My…