Recent Discussions

Hi everyone, I’m posting because we’ve reached the point where our £60,000-ish debt is becoming completely unbearable, and I think we need to be brutally honest with ourselves and get some outside perspective on what we should do next. Our money problems really started towards the end of 2024, when my wife was made…

I have an ebay purchase that the tracking says was delivered to the collection point at Argos , I went to collect it but they dont have it , i contacted ebay and they said "claim closed" as it has been delivered. Tracking says delivered but not collected. Do I really have to pay for an item that Argos has lost ? This was…

Hi My vehicle was parked in a hotel car park while the driver used their bar. I received a 'reminder before further action' letter but no initial PCN; the breach was 'permit holders only'. After the 'reminder before further action' letter was received, I went to the car park to check the signage, but the cameras and all…

Looked at a one bedroom flat to purchase that ticks all the boxes except, there is a shower installed in the corner of the bedroom! The area under the staircase (to the top flat), has been converted into a small cloakroom that houses a toilet & sink/cupboard unit. I'm wondering how feasible it would be to take out the sink…

Hi, trying to do a partial transfer from my Moneybox ISA into my new fixed rate TSB one.seems to be no way of completing this, when I get to inputting the roll up number it will not accept the NI number that moneybox uses for your account number.Was told on the phone by TSB all I had to do was this but it seems impossible!…

As my bonus rate is coming to an end i tried to open a new Tesco ISA following the procedure laid out in my account. Got the usual "Something's gone wrong" screen at the end of the application. From previous experience I waited overnight but nothing was showing in my account. Phoned up this morning and was told that as I…

Hi all Thank you in advance for any guidance or advice you can offer me as I begin my journey to becoming debt free. I am intending to enter into a DMP as I find myself drowning in debt after a change in circumstances and honestly years of bad choices. I was planning on doing this via step change but have been reading the…

Hi after listening to all advice I followed instructions for a smart parking ticket I had my mediation and declined to pay now I have been sent a letter from county court with a hearing in December… now I am worried can anyone help please? @Umkomaas

Currently on a debt management plan and have sold our house to release equity to pay off our debts. We have a couple of issues with this we owe 56k and have 50k available but I am currently 8 months pregnant and our car is broken - cracked windscreen, doesn’t lock, front door doesn’t close properly and we cannot fit all 3…

Hello all, I've embarked on my becoming debt free journey a few months ago after struggling with it for years. In short - a bit over of 30k debt over multiple CC'd, a couple of cash loans, and then Klarna and to top it of a few payday loans, 11 lines of credit. I've then started to fail behind on payments as the 0%…

My flight was delayed 20 hours overnight and easyjet state I am not entitled to any compensation due to unforeseen circumstances of bad weather. While we were in the airport other flights were landing and taking off. The pilot stated he couldnt fly due to staff working their quota hours not due to the weather. Should this…

I have money visibly in my Ryanair Wallet and I am being prevented/stopped from withdrawing it by Ryanair. Every time I try to withdraw it a POP UP blocks the screen saying I booked through a 3rd party! This is NOT TRUE - the Ryanair flight was booked solely by ME. I have spoken to several disempowered beings and I have…

Hello, I joined Fuse through the MSE cheap energy club because there was a £20 cashback. Without this incentive I would not have switched This was in August last year. I have not yet received the cashback fron MSE. They just 'shrug their shoulders' and claim it's Fuse's responsibility. I also contacted Fuse, they'll…

I have little confidence in the accuracy and reliability of the information displayed on the workplace pension website. Please offer any advice what to do. In my workplace pension 5k was added to my pension account - this was clearly a mistake. I notified my pension provider. No answer from them. For 2 weeks the higher…

Inherited SIPP, £78k inheritance and losing Universal Credit – how should I manage it? Hi everyone, I'm hoping for some advice on how best to manage my inheritance and my late father's SIPP. There are quite a few different aspects to this, so I'll try to explain everything clearly. My circumstances I'm 63 this year and…

Hello all, I am a bit concerned. I clicked through on a link that came through one of one of my newsletters to register to see if I was eligible for the financial mis-selling complaints. Initially it went through make a pcp claim, I just wanted to check eligibility and put in vehicle details. Then I am being contacted a…

Hi All Looking for some advice as I am 2 years into this battle and becoming exhausted and running out of ideas I have lived in my home for 37 years and I put in the right to buy to my housing association 2 years ago. They sent an estate agent out to value my home and he went back to the housing association and told them…

I’m just wondering I put in four different claims since 2007-2021 I have one reply within two weeks saying I wasn’t misled or miss sold How do I know if this is correct finance on this one was 2016 just would like others opinions or experience’s with there’s thank you just curious

I was speaking to a client recently who claims Universal Credit, and is a courier. UC are still using the 45p per mile for business mileage from 6 April 2026. Has this been agreed by HMRC to use the old rate, which seems unfair on those claiming business mileage just because they're on UC.

Hi all. In all the years I've been paying it, I've never had a reminder, whether through email or text. Is this normal? I tend to panic in case I miss the date it's supposed to be paid on, knowing how 'nasty' Councils can be in chasing it up. Thanks