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Consolidation
I'll make this as short as possible. Was in debt for £4000 which was paid by family. Now in the same boat again, 3 credit cards and a loan totalling around £7000. Any advice as to consolidating all debts into one monthly payment would be great help? I can only afford around £100/£125 per month. ANy advice or help would be…
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O/S Daily Friday May 29 2026
Morning all.
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State Pension forecast £1.5k above the 35yr New State Pension max?
My wife is in the process of applying for her state pension, after well over the max 35 years contributions. She'll be taking it at normal retirement age, which for her is 66.25 years old. The forecast confirmed by the Gov't Gateway, paid monthly (I thought it was paid 4 weekly?) works out at just over £14k per year. But…
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Protective award as only employee
Hi, I was recently made redundant from a company that I worked for, for almost 4 years. At the time of being made redundant, I was the only employee with 2 directors. I was informed on a Friday afternoon that the company was insolvent and that I was being made redundant with immediate effect. No consultation was made…
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Very disappointed with PayPal Credit
Very disappointed with PayPal Credit customer service and the confusing way the whole system operates. A transaction of £1,177.93 (MILLIONVIEW) was refunded, and the refund clearly appears on my statement. However, the same amount still continues to appear as outstanding under a promotional balance section, making it…
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Nothing phones
Does anyone have any experience of this phone company? I've used Motorola devices for years, but their security updates aren't great. I'm trying to decide between buying Moto g77 and nothing phone 3a lite on Argos - both on offer. 3a looks interesting and security updates until Oct 2031 compared to Jun 2030 for the g77.…
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altering accounting period
Why would a Ltd Coy consistantly over the years, put back this date by ONE DAY. What benefit is there?
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Buying a refurbished phone
I am looking at buying a refurbished phone listed as 'very good condition' (This product is in very good cosmetic condition with only light signs of use. It has been fully tested and works perfectly.) I have read the guide about buying refurbished phones and would like to know, what to look for regarding warranty, etc ? as…
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Money Moral Dilemma: Should I cover the fees when I send gift money to my US-based grandchild?
This week's MoneySaver who wants advice asks… I have four grandchildren - three live in the UK and the other has just moved to the US. I regularly give them gifts of money, and want to treat them equitably. But if I send them the same amount, the grandchild in the US gets less due to transfer fees and exchange rates.…
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DCB LEGAL, SMART PARKING court claim, defended
Hi everyone I recently beat a dcbl case and have now received more court documents for a bogus case that was charged to me 4 YEARS ago. It was basically due to me only paying the default amount and not adding extra time though it did not say this anywhere. I have since been back to the car park numerous times, and the…
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Prepping: the new world...
Thought it was about time for a new Prepping thread... Please keep it on topic, friendly and realistic for life in the UK (i.e. no hurricane basements, no guns, no politics). For those that don't know, the Guides & Scouts among us will be prepared, but are the rest of us ready? IMPORTANT NOTE: this thread is a resource for…
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Child turning 16 shortly - any time-sensitive to-dos before?
My child is turning 16 shortly. Is there anything that we need to think about and get done before they turn 16? e.g. anything that's only available to under-16s, or is cheaper for under-16s? Or other things that would be smart (money-wise or otherwise) to get done before their birthday? more generally - what changes…
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How to talk to partner about finances and saving and tightening the belt?
Hello, newbie here. I'm a bit concerned about my partner's saving habits and want to talk to him about finances and want to keep it respectful between the two of us. My partner is the main earner in the househould, and earns good money. I am on disability benefits but looking for work after being laid off a few months ago.…
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Judgement for Claimant in default, even though I replied on time
This discussion was created from comments split from: Judgement for Claimant in default, even though I replied to the Claim form on time.
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Harry Styles tour
I’ve followed Harry for years and seen him with my daughter and Nieces on several occasions with 1D and as a solo artist . His new tour was expensive no denying that but we have tickets to his Wembley show having paid £350 for vip disco package front standing. It is with horror I’ve watched clips from his opening night in…
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inheritance tax threshold advice
need guidance on what my mothers inheritance tax threshold is is it £325k or £500k my mother is 84 she married in 1964 / my father left in 1969 but they never divorced my father died in 2011 - he had no money or property i looked after him financially my mother had a partner she lived with from 1972 he died in 2015 he had…
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Remortage frustration
Currently remortgaging for the first time. My broker lead me to believe it would all be straightforward but this week has been a pain. Not exactly their fault, I guess, but I will be making a suggestion afterwards so they can make sure future client experiences better. They initiated the application and then the legal and…
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Impax Environmental Markets Investment Trust
I would welcome any thoughts on what action I should take on the proposed tendering of shares in Impax Environmental Markets IT in order to thwart a takeover by activist investor Saba. There appears to be a chance to profit from a NAV discount of around 7% by accepting the tender offer. Does it matter which way I vote?
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Dreaming of being Debt Free
Hi. Like many people, I've been lurking in and out of these rooms and the main website, dreaming of being debt free. I've been living in debt since I went to uni. To put that into perspective, almost half my life. Ive tried many times, and come close, sometimes a run of bad lucks set me back, children being born, or…
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Traditional accounting or cash basis.
I have filled in my self employment self assessment and there is a question which is optional so I left it blank but I am still curious. It is asking if I used "traditional accounting or cash basis". I did Google it and it appears traditional accounting is mostly used by large companies, I am not. I am part time and net…
