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Fuse Energy & OFTM Reviews please ⚡️
Do you use Fuse Energy? What do think? How is the customer service? The App? Billing? Please let me hear your reviews. I've read the previous threads, Trust pilot etc. I'd like to hear from current or previous users. I'd also like to hear the same about Outfox the Market? It's time for me to divorce 🐙 It's been a long time…
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Sanding contoured solid wood flooring - advice please!
We replaced the floor in our bungalow well over 10 years ago with oiled floor boards from B & Q. We used to home board dogs. I'm not bothered by the scratches but there are patches on a few boards where spills of their drinking water has affected them. It's not serious damage, just the oil has worn away and there are…
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Mortgage Free now aiming for FIRE
Time to start a new Diary. I have had my old one since Autumn 19 which is when I moved into my forever home after 4 years of renting in London. I am 52 and I live with my DG on the South Coast. I have a well paid job for my sector and was finally made permanent and full time in December 21. DG is self employed which she…
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Debts & Defaults
Hi All, First time poster but long time lurker. I've been trying to sort out my debts for a long time but keep making excuses and burying my head in the sand, so posting on here now have some accountability. 'Luckily' all my debts are unsecured, except my mortgage which I am managing to keep up repayments on. Unsecured…
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Protecting child savings
Are there any other ways to protect savings for your children, other than a child ISA. I’m at the limit for that for this year but have other money I wish to protect for them. Thanks
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Moved: What's the best way to value a 1 bedroom flat without hiring an evaluator?
This discussion has been moved.
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Unable to access 'my bookmarks'
As per title. Since this morning, I've been getting this message:
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Moved: No Default on credit but a threat of CCJ
This discussion has been moved.
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No Default on credit but a threat of CCJ
Hi. Hope someone can help me. I have been reading up on the forum regarding debt and paying off some monies that I can afford after being defaulted. 2 of 3 debts have become a default on my credit file. However, my NatWest debt hasn't defaulted. I have rather received a letter threatening me that they will do a CCJ if i…
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Samsung TV given up the Ghost
We purchased a Samsung TV just under 4 years ago @ a cost of £1100 from Currys, unfortunately the TV has gone wrong and is out of warranty with both Curry's and Samsung. Is there anything we can do as I would expect a TV to last more than 4 years? Can I do anything under the CRA?
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Mortgage free mayhem
Hi everyone! Really excited to track my mortgage-free journey at 52. Before becoming a uni lecturer this year, I've worked in charities my whole life. I've got a pension of £60K, an easy-access savings pot of £3000, and a mortgage of £84206. I want to see how quickly I can pay off the mortgage with my new higher income.…
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How to transfer out of Trading212 cash isa?
Edit: I FINALLY managed to transfer it, transferred the ISA Vida bank even though the interest rate wasn't as good as elsewhere as it was the only one i found accepting it. It's taken 2 months! Huge hassle throughout from trying to figure out the trading212 account number (there isnt one!), having to wait days to get…
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TERM TIME WAGES
Hi I've just been offered a job and been told that after 3 months I will go onto an annualised wage. I'll work 39 weeks and get 4 weeks' holiday. Everyone will have to take 2 weeks off over Christmas and New Year (which is fine). I was then told that I'd have two weeks left to take. However, it is not allowed during term…
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Apoca debt recovery Recived but not PCN
Hi, I recently received a letter from Debt Recovery Plus regarding a drop-off at Luton Airport that I forgot to pay. The letter states that I owe £165 for ignoring the PCN, which I never received. I have already filed a complaint with Apcoa and just received an email requesting the PCN reference number for their…
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20 Defaults - Is it possible?
Hi everyone, I am hoping to get some suggestions/opinions advice if allowed? I’ve been reading through lots of threads here and have found the advice and personal experiences really helpful, so I thought I’d ask about my own situation. Im going through a really tough time that will result in about 20 defaults across…
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Home Responsibilities Protection not heard / no response
Hi, Does anyone know if there is a delay on the Home responsibilities protection process? We have applied it has been 4 months. I am not sure we can open an online login as may not have the identity documents but will try. Is there a way to open without the documents they state? Is the only other way to find out by…
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executor having sibling trouble
Hi my brother died last December witbout a will, im sorting everything out and have been granted probate and letter of administration, my sister (whom I'm keeping up to date with this) keeps texting me that her ex son in law ( an American lawyer) seems to be taking an interest, ive told my sister I'll provide all paperwork…
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iphone 17 issues
Please help someone. I have new iphone and my messages are going as sms messages and not over wifi. I have googled and when I get to imessages-send&receive - my phone number appears with the spinningwheel next to it. I have googled the problem, followed on/off instruction/ signing in and out and everything else, but…
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Stanstead Drop Off PCN after the late payment
I have received PCN for not paying drop off charge. I did explain them that there was an accident on the way back from Stanstead and I was late for another appointment therefore I forgot to pay. I did give them the driver's name and have paid for the previous day instead (even though I have not used their service on that…
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lawyers for constructive dismissal
Just spoken to ACAS and it seems I have a strong case for constructive dismissal against my employer. Can anyone advise on law firms and what sort of costs might be involved?
