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Stansted Airport NSL PCN - Is the PoFA 2012 "not relevant land" defence still vaild?
Apologies if this has already been answered elsewhere, but I'm concerned that there may have been some sort of precedent case recently that I'm not aware of.Reason being that the wording of the Notice to Keeper I have received is different to one I've seen images of on a previous posting on this forum (Nov '23), for what…
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Principality online banking
Principality's 2FA text messages didn't seem to be arriving, or perhaps not being sent (this seems to happen from time to time, but trying a few minutes later usually resolves it), but no luck with it this time, and now their online banking site seems to be "offline for maintenance". Has we all in effect knocked their…
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A SIPP to reduce tax on redundancy payment?
I may be made redundant from my NHS ICB job, probably in the next tax year. My statement from HR quotes a payment of £89000. I have a second income from 2 rental properties, around £18000 pa. I am 59 yo and could take a slightly actuarially reduced pension ( NHS 1995 pension)- or wait till I hit 60 in Dec 2026. Would be…
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Super Duolingo codes
I noticed today the Lidl Plus app have a code for free month of Super Duolingo. I planned to activate it for my eldest daughter as she’s actively learning 2 languages, but accidentally applied it to my other daughter’s account which she’s less interested in. My eldest is a bit gutted, but I can’t find any other codes for…
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PIP is going to a tribunal over residency, can I travel in the mean time?
So its taking such a long time that I can now go on holiday again (im allowed 3 weeks per year) I was allowed 3 weeks in 2025 but I didnt take it because of fear, and mental health, in 2026 if Im ready for it Ill go somewhere safe, unless that will affect residency again? Will it affect PIP and residency or not? I was out…
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New Plug-in Battery, no electrician required
Just stumbled across this. Pre-order £699 for a 2kWh battery. sounds interesting, capacity a bit small, but might suit someone - certainly I'd think a shed with solar on top might benefit for outdoor supply to the garden. https://www.nodienergy.com/
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The Banking & Savings Spreadsheet Discussion Thread
Welcome to this thread. The aim of this thread is provide a place for people to discuss how to set up and manage their banking and savings spreadsheets . Feel free to use this thread to ask any queries you may have about spreadsheets, share any tips and tricks you may have and discuss how you structure and manage your own…
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Cynergy Bank
I have a couple of 12 months bond maturing in February so looking to save them with someone else as they are offering very poor rates to re-invest. Cynergy bank appears to give a good 12 months bond rate but I have never used them before. Anyone got experience of this bank and can share your experience? Thanks
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Do I have to declare an accident in my Van on my new Cars Policy
Hi, I had an accident in my van, and I lost 1 year of NCD. It was a minor bump to the other car, but it still cost £6K!!! I am about to re-insure my Van and my car. I will be switching to a new insurer for my car, and I was wondering if I need to tell them I was in an accident in the Van. Even though it has nothing to do…
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Wooden Flooring
Hi, I’m looking for some recommendations, we moved into our house nearly 2 years ago and my dogs have wrecked the lounge carpet. Light grey and cheap, now with a brown tint from the mud the dogs have brought in. I am looking at replacing it with some form of wooden flooring, it needs to be decent quality and deal with dogs…
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What happens if Anglian Water cant install water meter?
I'm thinking of asking for a water meter with Anglian Water as it's just myself in the home but I've got a feeling they won't be able to install one as I think we're all on shared a supply on our street with each pair of semis sharing the same mains. Also there's not sufficient access where the stopcock is to place an…
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MSE News: Which Santander branches are closing in 2026/27? Here's the full list
Santander has confirmed it will shut 58 of its branches across the UK in 2026 and 2027 – after adding 44 branches to the list today (Thursday 29 January). Below we list which branches are disappearing and what the alternatives are if you'd still like face-to-face banking… Read the full story:…
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Change Mortgage to Interest Only to Invest the Capital Repayment Element
I would appreciate some advice about the benefits/risks of changing my mortgage to Interest Only (which my bank offer subject to conditions) for the remaining 13 years, instead of paying the bank I will invest the £1500 (per month) capital repayment element Current Situation - balance is £240000 (50% LTV), ive got about 13…
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Pension Buy Out timeline
I’ve just been told that one of my deferred DB pensions is being wound up with a full buy out. This doesn’t seem to be particularly bad news. However, the timeline has the handover to the insurance company happening around the same time as my 60th birthday when the pension comes into payment. Should I be worried about…
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I'm paying how much interest a year??!!
Starting this to keep myself honest and on track. This is the year, well the first one of a few. I've always had the annual mortgage statement come in and put it away, little to no attention paid to it but not this time. If this was a credit card with this much interest per month I would be putting every spare penny…
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NST January 2026: Shake and Vac
NST January 2026: Shake and Vac https://www.youtube.com/watch?v=4q8inM0gKVo Anyone else remember this advert? An ad where women live alone,
have a dog, smoke and always have a handy container of Shake and Vac product to
sprinkle all over their carpet whilst dancing in heels inside the house and
hoovering. AND THIS MAKES…
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Laminate flooring
We have just moved into a retirement apartment which has laminate flooring but also underfloor heating. I'm looking for a suitable product to clean this flooring which is throughout the flat. Don't need anything to make it shiny just want to keep it clean, but obviously can't use anything that makes the floor wet.…
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Nationwide mortgage
Hi I have seen recently on a number of posts that Nationwide haven't asked for supporting documents with applications. Does anyone know the reason for this and is there criteria for this? Preparing for reapplication due to current offer expiring and wondering if need to prepare supporting evidence such as payslips, bank…
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Worried Parent
My daughter who's in her mid twenties has been looking for some time to buy her first home in the north of England. We've viewed many properties together and missed out on a few due to higher offers (some going above asking). She's just had an offer accepted of £220000 on a smart little semi in a decent area which she…
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Declined by nationwide?
My partner and I have used a mortgage broker to apply for a mortgage, we had a decision in principle given to us by nationwide which covered the value of the property. We are first time buyers and have made an offer of 343,500 on a house with a 95% LTV ratio which means we are giving a £17,175 deposit. Our Experian credit…
