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'Why can't you just cut Standing Charges?' – Martin Lewis puts your questions to regulator boss
Standing Charges – which you pay just for the facility of having gas and electricity, even if you don't use any – currently make up £300 of the average bill, penalising lower-use households and disincentivising people from cutting their energy usage. In the latest must-listen instalment of The Martin Lewis Podcast, Martin…
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Cheapest bank to receive a foreign/euro payment
I’m due to receive a €1000 payment from a travel insurance company and I’m trying to work out the best of my many current accounts to get it paid into. (like all good money savers I have a lot of account to maximise rewards) I was going to default to my Lloyds account until I saw they apply a 3.5% margin to the exchange.…
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Car finance cooling off period
Hi all, I took car (PCP) finance through a broker, the garage on day of collection said car faulty electrics and unable to release car as couldn't solve issue and said best look for something else, so I informed my broker and finance provider which is now 12 days ago I wish to cancel during 14 day cooling of period, they…
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Ulster Bank BEWARE
Seduced by the promise of a good interest rate, and in the absence of any **warnings** on the comparison websites, I opened an Ulster Bank savings account although the process was far more labyrinthine than it usually is when opening an account. I paid quite a lot of money into it. The paying-in process was very easy. TOO…
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IHT Probate and excepted estates
I am hoping you can advise Mother passed away 2023 will left all to her husband. 300k house jointly owned and father also has 110k in normal bank account and 12k in shares. Gifts may be below allowances. We will have to go through 7 years statements and bank stubs to check. We had to use our Amazon for all needs and goods…
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Scottish Power bill high (not first post about this)
Ok so a few months back I wrote about how SP were billing me around £85 a month for just electricity, gas is with another company (and rarely used) At the time I had dual meters but SP refused to change them to single meter saying as I had gas heating I wasn't affected by the teleswitch removal. Then suddenly in July they…
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Inheritance Tax Split Help
Just after some advice, I have a solicitor handling everything so I presume it will all be done correctly but I wanted to get opinions on this as I have tried googling and struggling to find an answer Inheritance tax is due on my fathers estate, he had a partner (not wife or civil partnership). The split is 60% to me 40%…
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Please help £75k debt!
Hello everyone, I found this forum and have been reading different stories the last couple of weeks because find myself at breaking point, 35/M I have a history of gambling addiction which is the root cause and for the first time in my life ( it has been approx 2 months where i feel in control of it and honest with it to…
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Outstanding October's No-Spend Days Challenge!
Welcome to Outstanding October's No-Spend Days Challenge! This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help…
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Overpayment on Interest Only mortgage
Hi all, I'm hoping you can help me - I suspect I'm just being really stupid but if anybody can help I'd be ever so grateful. We have 7 mortgages on our home, with Nationwide, and we're overpaying them as much as possible to try and be mortgage free in the next few years. 6 of them are repayment mortgages so when we make an…
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WARNING and help?: Debenhams and daylight robbery /misselling protection
I was shopping at Debenhams online and upon checkout a delivery protection fee of £15.99 was added to my order. I did not realise this until I had checked out and paid, despite carefully reviewing my order before placing it. It must have been a ticked box somewhere, Debenhams describes this charge as optional, but I never…
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Late husbands COD payment from Pension Provider
I have a letter from HMRC advising of small weekly payments due to me from my late husbands private pensions. One was a company pension and I am receieving the 50% widow benefit which I believe includes the COD amount. The 2nd pension was only guaranteed for 5 years and they stopped paying it some time ago. - Needless to…
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Monument Bank
Does anyone have the legitimate email address for this bank
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Return not in same condition
Item sold mid Oct. An SSD enclosure that was brand new still sealed in retail package. Buyer received, left positive feedback saying everything was great. 2 weeks later I receive an item not received case! eBay took over as I used simple delivery and closed in my favour. Buyer then straight away opens an item not as…
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Holiday airport transfers
Any recommendations on the airport transfer websites you are using? Quiet a few options on Google but never used most of them. MSE doesn't appear to have any articles about this. We are going to Rhodes if this makes any difference.many thanks
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Advice needed with O2 fraud resolution/dispute
Hi, First time poster, in much need of some advice for how to proceed with a frustrating situation involving O2 and my mother. tldr: mother scammed; O2 customer services took a long time to resolve and misled us; we ported away; O2 now trying to charge us for fraudulent charges. I'll try to summarise a lengthy process…
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Moved: British Gas Bills
This discussion has been moved.
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Melton Building Society - Standing order not credited after nearly a week
Hi everyone Last Friday, my normal long-standing standing order left my bank account but has still not been credited to my Melton BS savings account. I notice that there is a banner on their website about issues crediting interest but just wondered if anyone is having the same issue as me? I sent a message but haven’t…
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Can you run an all electric house for free?
A little over a year ago I was paying £110 / month for electricity, which doesn't sound alot for a 3 bed semi family of 5, but i had already invested in quite a few ways to cut the annual cost. I had a large solar array already installed and a large battery bank taking charge from the solar to reduce annual costs as much…
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Refund onto card
I lent someone some cash and they paid my council tax bill with their credit card in lieu of paying back the loan. I'm due a refund from for the council tax. Does it have to be repaid onto the same card?
