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Bounce Back Loan Default
So, I have a bounce back loan, it was taken out as a sole trader. I'm currently defaulting on all my credit cards and loans since i just can no longer afford them atall, I've had my first default show on Experian for Vanquis. I received a letter today from Moorcroft to say they are acting as collection agent for the bank…
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EBay - Seller taking me to small claims
I bought a tv on eBay for £400 (RRP £1000) It arrived mostly fine but realised one of the screws was loose when I mounted it to the wall. Left it for a few days before realising I wanted to return it. Opened a not as described case and the seller disputed this as I had already told them it had been mounted to the wall and…
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Ditch or stay with BT?
My 24 month contract is up next week so I’m looking around. There are clearly better deals out there, but my broadband (FTTP) has been very reliable, hence my reluctance to switch. I am a Sky TV customer also. Basically, BT are offering an upgrade from 150mb to 500mb for the same price as I’m paying now, 24 month contract…
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Close Brothers 12 month bond coming to maturity
Anyone had a 12 month bond with Close Brother before? I have one that is maturing on 4 December this year, that is in 12 days' time but I haven't heard from them to notify me that the bond is maturing and giving me options on what to do with the proceeds. Should I have heard something by now?
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Octopus fixed tariff ending soon - deferred switch to new Octopus fixed tariff possible
Just wanted to make people aware that from my experience it is possible to arrange a switch from an Octopus fixed rate tariff coming to an end to a new Octopus fixed rate tariff but with the change deferred to the end date of the ending tariff. By 'coming to an end' I mean within the last 42 days, and the 'tariff coming to…
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Beko heat pump tumble dryer failed after 6 months
This discussion was created from comments split from: Beko Heatpump dryer woes DHR83431W.
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P800 for 2024/2025
Has anyone had their PAYE tax calculation for 2024/2025? My 2023/2024 tax calculation appeared in my personal tax account online on 20 January 2025. I am aware that they appear to have a permanent backlog but was wondering if there was any chance of mine being completed this year. Their message online says June to October…
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Warm Home Discount Broader Group, Scotland. Octopus Energy's own criteria.
I have applied under Octopus Energy's own criteria - no means tested benefit requirement: Disability benefit and, specified by Octopus, low income. Nothing to do with DWP means tested benefit or Core Group requirement. It is The Broader Group Scotland. On application I also submitted proof/documents of DLA (care and…
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Part time work + universal credit
My granddaughter (mother of a young child) works part time, minimum 16 hrs pr wk, her wages supplemented by universal credit.Her working hours vary slightly each week to suit her employer's needs, so the uc element of her income is based on a monthly assessment.The Problem:Her employer has a 4 weekly pay cycle; the uc…
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feed in tarrif being reduced
In case it's not been seen www.gov.uk/government/consultations/feed-in-tariffs-fit-scheme-indexation-changes Sorry forum not allowed to post link Government seem to want to change the contract we made with them re Feed In Tariff Can it be legal for one side of a contract to change it ? The "survey" is extremely biased to…
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Tax treatment of rental income (Rent-a-Room Scheme)
Hi all, I had a question regarding income from renting out a room in my flat. I am planning to rent out a second room in my flat and understand that under the Rent-a-Room scheme (subject to the criteria) I will not be required to pay tax on the first £7,500 of income received in this way. My question was - is this…
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Salary sacrifice cap announcement from the budget
I’ve been following the budget leaks and suggestions for the past few weeks and the announcements today and I’m looking for some clarity. is the cap on salary sacrifice levels before NI contributions kick in targeted only at pension contributions or at ALL salary sacrifice elements? I’m currently in the process of applying…
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Unable to submit Electricity Meter Readings Online with British Gas
I recently switched only to BG only to find I could not submit electricity meter readings online. I do not have a smart meter. Has anyone else had this problem? I raised a complaint after 7 days but as there was no work around so I have switched back to my previous supplier where I could submit online readings. They want…
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Tax on Pension
Hello! Part of my wife’s allowance was allocated to me and her allowance is now £11,313. (Full new pension)This means, after the pension rise for 2026, she will owe £247 in tax.As you haven’t mentioned how it will affect people who transferred part of their allowance and given that this is a significant amount, will she…
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Merged: extension project
This discussion has been merged.
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Extension project
Hi, We are about to finish the project and we stumbled across few issues. We are having extension and kitchen done. The builder changed the design of our roof mid way through the project from pitched roof with 2 skylights to flat with lantern. Tried to charge us more for it but we refused so as a "gesture of goodwill" he…
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Advice Needed Please! Civil Enforcement PCN
Hi all, Thanks for clicking and taking the time to read this, any advise would be really appreciated. On 15th September 2024 I parked in a local pub car park in Devon. I parked there because I was meeting some people for a drink at that pub. When I went inside, the Barman informed me that if I had parked my car on the…
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Child Benefit
What age was child benefit paid up to - 14, 15 or 16 years?.
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Maintenance final payment
Hi everyone, I'm new here, I'm looking for some advice please, I'm a nrp and my son's has turned 18, he's done 2 years extra at school, he starts university in September for a degree in teaching, his mum says I have to carry on paying maintenance till he's 20 as he is in full time education, is going to university full…
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Stairlifts - buy or rent?
I have arthritis in my knee and am having real difficulty with the stairs in my house. I hope to get a knee replacement within the next year or so, after which I’ll hopefully be able to manage the stairs again. In the meantime a stairlift would make my life a lot easier. What are your experiences of renting a (straight)…
