-
Giving every £ a job
I've decided to be brave and continue my journey from lurking on these boards, through posting on these boards and I now feel ready to start my own diary. I don't actually have any debt anymore but I am very bad at saving so I've decided to set myself savings goals and treat them as debts to my future self. I was…
-
£25 Amazon Gift Card for opening a Santander current account (starts 27/11/25)
New £25 Amazon gift card offer launched today. Can be withdrawn at any time. LINK (taken from MSE, there are other participants whose links you can use). Requirements: - Register with VoucherSent and in the same session successfully open a new Santander Edge, Edge Up, Edge Explorer or Everyday Current Account. - Emails for…
-
Best cash ISA with 50k ISA balances transferred in..
A bit advice on transferring my Cash ISA . I have around 50k in a Chartered ISA , the funds were deposited from previous years allowances , It is currently paying just under 4 % and but seen than I could get around .5% more but am confused by the wording on the Best ISA page on the mainpage . A lot of the top picks say…
-
Mettle any good? (Not in the MSE business bank accounts article)
Hi all, I'm just setting up a business bank account. I've seen on the forum and in other places that people use Mettle, and that the FreeAgent software is a good bonus. However, it is not featured in the MSE article on business bank accounts, and I can't find any info on transaction fees on the Mettle webpage. Is it…
-
Tesco Hove - Horizon Parking, Reminder letter
Hello! Apologies if this has already been covered, but I'd like to have your advice regarding a parking charge notice my
mum received. On the 24th October, she received a "Notice to Keep Reminder"
from Horizon Parking Ltd., dated 21st October. The notice claims that
she failed to validate her receipt during her stay at…
-
Cheap Jigsaws
Is www.pdk.co.uk a trustworthy supplier ? ie) Has anybody got any experience of using them ?
-
Tax on savings interest
Hello all. I haven't been on here for a while and I'm sure this subject has been mulled over multiple times but I seem to be missing some trick. So far, I understood that the tax free amount you get (500vs1,000) depends on your TAXABLE income and not gross. But lately I was surprised when HMRC messaged me that I owe some…
-
Can someone please explain what the 2K threshold and NI contributions change means
Salary sacrifice as much as you can (caveats aside) was pretty much a no brainer previously... with this change coming in i think 2029 does it change much of anything? Ive always been confused by NI, especially the way it uses weekly/monthly thresholds and also goes the opposite way to tax in that you pay a lesser rate…
-
Power of Attorney/Deputyship
I’m hoping someone can help My brother is in a care home with dementia. His wife was managing his affairs but sadly she had a stroke and died a few days later. I have been contacted by his social worker who is wanting someone to have power of attorney. I have agreed but it seems that to do that the patient has to request…
-
Claim Issued (DCB Legal/Vehicle Control Service LTD)
Hi all - I've not made a post until this point having followed the stickied guide. Unfortunately a recent letter chain has now resulted in a claim being issued with a May 2nd issue date. (not related to my previous posts through the years - they have all fallen silent with no further updates). I'm just in the process of…
-
Problems with solar installer post fitting - next steps?
I had solar panels fitted 2 years ago which included bird protection around the edges of the panels supposedly to stop birds getting under. It turns out the stuff they used is not fit for purpose and has collapsed along the top edges under the weight of pigeons sitting on it, who now shelter under the panels. I spoke to…
-
Smart Parking
I had mutli PCNs issued with total claims at £610, i paid for parking but they claim they recieved payment a day later, the money for the time ive parked is correct that was not even taken into consideration, they claim the PCN's were issued before payment was made. Which tbh is true i paid the day after because the app…
-
Energy supplier refusing to back bill
Hi, Recently sought help from the ombudsman regarding a direct debit issue with payment adequacy. The ombudsman couldn't help with that but suggested the remedy of back billing as octopus allowed my direct debit to be set too low. This remedy was agreed but octopus have not discounted my account. They have allowed me to…
-
Is this allowed ?
If you were to own investment properties in a limited company. Would you still be able to use your LISA to buy your first actual home if it was your first time buying in your personal name, as your limited company is a separate legal entity?
-
A Ditherer's Diary (again)
I'm baaaack. When I started my original diary "A Ditherer's Diary" My kids were littlie's aged 5 and 15 months. Nothing except their age and the amount of debt has changed, it's all got higher! They are now 11 & 7. Having had a quick read through, a lot of it was me coming and going with a few months/years in between. I…
-
Windows not installing latest update
Hi, the latest windows update for windows 11 keeps failing , i'm getting Install error - 0xc1900101 for Windows 11, version 25H2. Ive retried half a dozen times. It goes through the process of downloading / installing and then undoing all the changes and going back to the start each time. I do not know how to resolve this…
-
Anyone got EV Tariffs???
It seems to be a problem Energy companies only tell you the off peak cost of 1p for 26 weeks of electricity but omit to tell you the peak rate is £36726482 per second unless you spend 2 weeks filling out the forms. They all seem to do this which suggests it IS in fact working?? Ive been dumped onto British Gas variable…
-
DCB Legal - Letter Of Claim :( AND now Court Claim!! :((
Hi All I received this letter a week ago from DC B legal titled letter of claim I have tried to contact the retailer and they have refused to cancel the parking ticket even though that there were no shop shops open at the time of the alleged contravention I have appealed the ticket. I believe I responded to a different…
-
Debt questions around DMP
Hi All, I've had a good read on the forums and feel more clued up on what I need to be doing, so thanks for the knowledge shared. I do have a few questions though if some kind soul could help with. 1) I see most saying run your own DMP rather than someone else and understand why regarding defaults/building funds and…
-
Eon Next demanding more proof of solar ownership
We moved house 18 months ago and successfully transfered the feed in tariffs to us. E-on Next have been paying us the rather small amounts due but today I have received an e-mail saying that want a second document proving we own them or they won’t pay us anymore. The options they give is a letter from the previous owner…
