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Praise for credit cards.
i was out with a friend and when he went to pay his MBNA credit card had been blocked, turns out someone had got into it and was trying to use it fraudulently. I also recently had a text about unusual activity on my M&S credit card, this also was unauthorised by me. So it seems CC companies are at last taking an active…
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House of Fraser refusing refund for online sunglasses purchase
Hi all, My wife's had an interaction with House of Fraser that's shocked us and we're hoping for some advice. They are refusing an online return of sunglasses that were returned within 2 days. 14 Jan - Wife bought pair of sunglasses online from House of Fraser for £150, using PayPal 'Pay in three'. 17 Jan - They arrived,…
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Need Help
Hello, Firstly thank you for taking time to read my post. I bought a coat from Flannels online on 2/1 and when it arrived it looked like a bin bag so I returned it on 5/1 and DPD delivered back to them on 7/1. I then received an email on the 8/1 from flannels stating they had got the coat and would be in touch. Having not…
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Insurance policy cancelled auto renew still showing as renew automatic
I have a caravan insurance policy that is due for renewal end February. The company sent me a renewal quote for 0.00. Obviously this is a mistake on their side and not the first one. I do not want to renew with them but the auto renewal was showing as switched on - this company has made it very difficult to work with them…
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BIK on a company car that's a company "asset".
Hi. I am trying to get my head round potential tax implications for the company car I have which is deemed as a "company asset" as it had adaptations for emergency response. I know I have to pay BIK which I believe is 20% of the cars value, less my contribution and then 40% of that = 1 year tax. My questions is, is this…
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First time poster: Received a DCBL Debt collection fine despite proof of parking
Hello, first time poster here in need of help. On 9/9/2025 at 10:30pm, I used London Colney Fields Shopping centre Car park to go to the PureGym in the shopping centre late at night for 1hr 15mins. The parking restrictions there is 10am-10pm and after 10pm, it's 10 mins free parking. There is a machine in the PureGym to…
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Aviva Life Insurance Policy
Hi, I have been dealing with the estate (less than £100k in total with no property to sell) of an elderly family friend. I have successfully applied for probate, successfully claimed & closed 2 life insurance policies from Sun Life, and closed & received his money from his bank accounts. But having trouble claiming a small…
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Full Fibre: How to connect to router upstairs?
I'm no expert when it comes to wifi and routers etc. but I'm thinking of changing to full fibre. I currently have a cable running up the stairs from the master socket which connects to the router that's in a bedroom. If I have full fibre coming into the house, I'm guessing that the current master socket will be removed and…
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hmrc self assesment (tax returns) processing times
Hi All I did the dreaded tax return yesterday (31st) and finished it by 12:30pm (lunchtimeish) so was about 12 hours before the deadline. When I logged in it informed me I owe 11p from a previous year. I filled it all in and submitted it. This time I owed about £250. I tried to pay, but it still said I owed 11p, which, of…
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Radiator Fixings
I bought an Ultraheat Compact radiator but the manufacturer doesn't supply the wall fixings (screws and plugs) for this range, they do supply the brackets though. Can anyone advise the screw and plug size that should be used for a solid brick, plastered wall fixing? The overall weight of the rad is approx 34kg. A quick…
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Making your craft stash into cash 2026
You can sell your art/craft to clear debts or book a holiday or just to help with the declutter. Just before xmas my art supplies were moved to a storage unit to allow us to floor the studio so i can move in Absolutely horrified i could open a shop mainly gifts or cheap buys but either way need to get it cleared so plan to…
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HMRC owes me money from 2018-9 and 2019-20. Should I demand interest from them?
HMRC sent me a letter saying they owe me some historic tax credits (total approx £650) for the years ending 2019 and 2020. They've asked me to phone to confirm my bank details so they can repay this. Am I right in expecting they should pay interest on this?I would like to speak to them but go armed to discuss if (and what)…
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Park Direct UK Ltd PCN, ANPR, NTK sent 135+ days after event at Retail Park, IPC/IAS firm!
Hi All Here are the particulars of this PCN that I just received (16th Jan 26) in the post! PCN Number: XXXXXX Vehicle Registration: XXXXXX Location: Farnham Rd Retail Park SL1 4XB Notice service Date: 09.01.26Event Date: 27.08.25Issued by: Park Direct UK Ltd, PO Box 4777, Iver, SL1 0BX [ 0203 866 5774] I received no…
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How do you pay cash in at a bank?
"Cash is king" But with seemingly (to me) online banking being pushed more & more and then seeing more bank branches closed around the country, what do you do in the event you have cash to pay in at a bank but no bank to pay in at? This was a question asked to me this week & I didn't know the answer. Doesn't really bother…
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Fee free overseas spending: Barclaycard vs Clarity vs Monzo vs Revolut ?
Hello guys, Various debates on what card gives better FX rates. Over the last 14 years I have been using Post office (not the travelmoney but their credit card which isnt offered anymore i think) followed by Halifax clarity during 2019s followed by Barclaycard for overseas spending from 2023. I found that Barclaycard gave…
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EES registration Tenerife
Relatives landed TFS earlier today - facial scan only at biometric registration procedure. Anybody else experience this recently ? Technical issues at Tenerife airport ?
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Money Moral Dilemma: Should I ask my unwell friend to contribute to our restaurant cancellation fee?
This week's MoneySaver who wants advice asks... My friends and I had a restaurant reservation, but on the day one of them, who is a type 1 diabetic, was unwell. We had to cancel the table, which came with a £25 cancellation fee. I was happy to absorb this as it was out of her control, and didn’t say anything to my friends.…
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The Case of the Overwhelming Mortgage
I’ve lurked for a long time. I have no-one in real life I can discuss these issues with and thought it might be helpful to get it out of my head and on to paper. I am mid 40s, married, with two pre-teen children. We moved in 2017, with a 20 year mortgage of £140,000 and interest of £10 per day. We now have a mortgage of…
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Pension carry forward
We’ve inherited my father estate when sadly losing our father last year. Although employed, I haven’t been in a company pension so haven’t contributed. Would it be best advice to use some inheritance to top-up pension contributions since 22/23, given the tax benefits? Edit: thanks for all of your replies. I’m 60, will be…
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CSPS: Some (probably very stupid) questions about Civil Service benefits statement
Hello! I've been a member of the CSPS since 2010. I've paid very little attention to pension statements hitherto, happy that it's whirring away in the background. Now I'm 40, I'm trying to ensure I'm better informed as my husband and I make decisions about his SIPP/our mortgage liabilities/how much money we save for our…
