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CCJ and home insurance
Hello I realised that i had forgotten to put a CCJ on when updating insurance in 2024. The CCJ was back in 1995 and settled 2001. this resulted in increase in cost of insurance of around 75%. I accept that was my "error" but what annoys me more is that in the statement of insurance, shows CCJ, IVA & Bankuptcy together,…
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Can I balance transfer credit cards and my overdraft onto a new 0% credit card?
Looking to consolidate my existing credit cards and also my overdraft onto one balance transfer card. Is this possible and if so, what is it called? I'm unsure what exactly I'm searching for
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Barclays £200 Switch offer - Direct Debits
I opened up a Barclays account to get the £200 Bonus but Chase rejected my switch as I forgot I still had the linked savings account open, and the barclays app now won't let me switch that account. So, I have quickly setup a new account with my other bank and added my Plum and Moneybox Direct debits to this, which are now…
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NEST Pensions
My partner works for charity and they use NEST as their pension provider. She is 57 and has possibly 10 more years to retirement. They currently don't allow pension sacrifice but they will be in the near future. He hourly wage isn't great but is it above the living wage so i have advised her to max out her pension by…
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Lack of response from GivEnergy
I am looking for anyone who has had dealings with GivEnergy in the hope that they could advise me what action I can take. So far I have contacted Citizen's Advise and Ofgem and created a complaint with Resolver. In April we were approached by the company who fitted our solar system, Solar Armour. They suggested that we…
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Interactive Investor £200 incentive to move pension. Can be stacked with Quidco?
Hi, I have a small old work pension worth about £15,000 and was considering transferring it to Interactive Investor. I noticed they’re currently offering a £200 incentive for moving a pension into a new SIPP with them. I was wondering if this would stack with Quidco’s offer? Many thanks,
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Rule of thumb insurance for 17yr old learner
Hi going to price it all up on line tomorrow but just wondering if experienced forum users know of a ‘best’ way to insure a 17yr old leaner on mum and dads car we have a 7 year old Yaris on which im main driver and mrs is named, we have 10+ years no claims no points etc so our fully comp premium is 200 a year. It’s coming…
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TNT Sports...
A big cricket fan - unfortunately for the last few years Sky has let us down with coverage of England's overseas tours and I've muddled through with radio commentary. As a canny shopper I don't have a Sky subscription. I access their cricket coverage in the summer via Now TV, which is around £20 per month if you sign up…
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Cahoot/Rapport
I have just joined Cahoot, and they advise installing Rapport software. Firstly, should I? I use either Chrome or Firefox on Android tablets for internet banking. No apps. On home wifi only. Secondly, in the event of any issue, would I potentially not get reimbursed if I haven't used the software they've suggested?
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31.25% April 2026 Price Increase from O2
Hi all, got an email last week from O2 about their annual price rise, which am sure many of you also had. Great wording (not) "From April 2026, your airtime plan will now be increasing by £2.50 instead of £1.80." Main point of this isn't about the £2.50 increase, it's the % it represents of 31.25%! Unsure of the fixed…
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Refund for online US purchase
I made an online purchase from a US company and regretted it within an hour. I contacted the company immediately and asked to cancel the goods. In less than a day from the time I placed the order they are offering me a refund of 35% of the purchase price. Surely this isn’t correct. I don’t believe the goods can have been…
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End Terrace gutter issues
We live at the end house and when we get heavy rainfall water leaks into the living room. We receive all the streets rain in our gutters, they cannot cope and water streams down our walls. I have written to neighbours asking them to reinstate down pipes but this appears to have been ignored. My only solution appears to be…
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Deducing how title is held
All. Neighbour has lost their partner of 40 years, unmarred, not civil partnership, but they bought the house together. Is there a way of finding out whether it was registered as joint tenants or tenants in common? It is mortgage free, no documents can be found, no idea where the deeds are (I suggested a check with the…
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Pensions Attitudes Survey (Non-retirees)
Hello all, We are a group of undergraduate students from the London School of Economics working on a Capstone project about attitudes towards pensions and retirement saving amongst non-retirees in the UK. The project is conducted in collaboration with an industry partner, but we are unpaid and the research is for academic…
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Locked credit report
I cannot log in to my Experian account to unlock my credit report. They have no customer phone number and so you can only contact them via email. They take up to 6 days to reply. I’ve had this issue for 3 weeks and it’s still not resolved. I’m trying to buy a house and need my credit report unlocked for my mortgage…
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Horizon Parking Charge Tesco Broadstairs
Good afternoon.I received a parking charge notice for a 'parking breach' 9th August 25.The letter was issued 15th August 25 and I was out of the country until 1st November 25, so I returned home to 3x letters chasing a response. Arrived 20:34 and left 00:07 with photos of the car. The thing is, the car never stopped. There…
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Home Energy Rates
Am new to Forum. I am with Home Energy for my Energy Supplier and am currently happy on their Fair Variable Dual Tariff since September 2025. The rate has not changed since I moved to them. For my estimated usage it is £2101 per year - I should note that this includes charging my electric Car. There are no exit fees so am…
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Solicitor put wrong details in to buildings & contents insurance
Hello, We were recently due to renew our buildings and contents insurance, the price was going up to £850 a year!. When we questioned why it was so much we found out so many mistakes our solicitor made uploading our details, one being 4 adults at home but it’s 2 plus 2 children, part of our roof is flat, no smoke detectors…
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Advice please regarding investment bond 5% rule - after a capital reduction.
I invested £300,000 in a bond many years ago. I have taken the full 5% per annum cumulatively, but in the early years I withdrew half the capital to help build a house. Is the 5% now calculated on the original £300k or the residual £150k? My IFA says the latter but everything I read on line suggests the former but I cannot…
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NU Portfolio Step Down Option
I took out a NU Portfolio Step Down Option 20 years ago and have received 5% income each year. I would now like to pass the Gift ie. cash in the bond, for my two sons is this possible and are there any tax implications.
