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Vanquis Interest
Hey All, I'm a newbie, so thank you for taking time to read my post. I have a question, which may fall into the 'buyer beware category' but I hope the combined expertise here may answer the question. I took out a 0% balance transfer offer in the summer. I worked out my plan to pay off the balance in the allotted time frame…
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British Gas Homecare vs insurance home emergency cover
I'm currently with British Gas Homecare maintenance plan. This gives you an annual boiler "service" (which I'm not sure is that comprehensive), and emergency cover. We recently had a boiler problem, for which the engineer did arrive next day, but we had to pay the £60 excess fee. The thing is, my renewal premium has gone…
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Will / trust
My dad has recently passed away and I am confused about the will. Mum and dad had mirror wills. They were tenants in common. Mum died in 2018 and left her share of the home in trust for 3 daughters (all over 18 / left home) with dad having a life interest to remain living in the property. Her residuary estate passed to…
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Class 2 / Class 3 payment sanity check
I am based abroad and according to the forecast I need to contribute another 15 years before April 2040 to get the full state pension. I had submitted a CF83 form last year to apply for Class 2 contributions. I called up HMRC today and I was told that more than 2 weeks ago, they had sent me a letter with a list of tax…
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Need to pay tax for short contract of work?
Hi,I have just earned £2538 for an electronics engineering contract which lasted 11 days. (beginning of November 2025)They didn't pay NI or Tax for me, but just payed me the money, (after I invoiced them) which was on a pro-rata rate of 60k per annum.The work finished after 11 days as that's how long it took for me to…
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Seasidegal's Scrimpy Retirement Diary!
Hi there!😀 Having finally retired from work last Friday as my State Pension kicked in, I have decided to start a new diary as I begin the next stage in my life. I began my first diary on these boards in 2014 when I was 58 and in £31,000's worth of debt!😱 I realised time was fast approaching to retirement and that I needed…
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Intestacy, Joint Tenants & IHT Liabilities?
My father has just died without making a will. He is married to my mother and I have one brother. His assets are; Marital home owned with mother as joint tenants - £225,000 (value of his half of house)Rental property owned in his sole name - £425,000Savings and cash in bank - £125,000TOTAL - £775,000 My questions are; As…
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Gas Connection compensation
Hi all, im looking for advice for compensation from SGN for a gas connection issue. The story (short version): I am getting an extension to my property and on day 1, the foundations team found my neighbours gas connection pipe in my driveway. We didn’t know it was there, and the line search showed no utility supplies in my…
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Money off Pie‑Making Workshop Experience in Melton Mowbray 🍴 30% !
If you’re looking for something a bit different to do, there’s currently a fantastic deal on food‑based experiences and day/evening activities in Melton Mowbray 👉 Use code 30BLACK at checkout to get 30% off bookings. This is for pie making and other experiences — from hands‑on food workshops to evening outings — so it’s a…
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New UPVC windows & doors are draughty
We had new french doors and two windows fitted a few weeks ago. There is a draught and the room is very cold as a result. We’ve had the window company back to several times to check for any gaps and add extra sealant, also the manufacturer has checked the windows. Where do we stand if the windows continue to be draughty…
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CGT on sale of shares (proceeds being split)
My brother has just sold some shares which has belonged to my mother's estate. We are joint executors and we have a question about CGT. The shares have luckily gone up in value since she died and we are therefore unsure what happens with CGT. Will it be liable? Or if it is directly related to the estate it is allowed not…
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Loft insulation advice - PIR over boards?
Hi hoping for some advice on adding insulation in our loft. There's sporadic rockwool installed between joists I would say 3-4 inches deep and then the loft is fully boarded out. Two options I'm considering: We don't really use the loft for storage so I am thinking of installing 75mm PIR sheets directly on top of the…
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LCWRA and ALSO (Allowance for Lowered Standard of Occupation)
I was awarded ALSO as part of my War Pension in 1995. Am I no longer entitled to it if I claim LCWRA?
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New BUS extension - £2500 Grant for Air to Air Heat Pump / Air Con units
Posted this on the Air Source Heat Pumps Page - but people might only be loking their for wet systems - so reposted here - will delete if required. On the front page of todays The Times - from the BBC website Papers Pagehttps://www.bbc.co.uk/news/articles/czr157nzvygo "Households will be able to get £2500 grant for Air…
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Defending Claim - Smart Parking Ltd and DCB Legal Ltd
Hi All, In 2021 I used a Smart Parking car park and didn't get a ticket. My gym has an agreement with the car park and there is a free ticket machine inside the gym. On one particular day I forgot to get a ticket from inside the gym. I duly received a PCN between 2 and 3 weeks later. I (with hindsight - foolishly)…
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O/S Daily Thursday November 27 2025
Good morning all
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Parking Code evidence - your images of private parking signs are needed please!
This thread started life as a discussion about the DLUHC's Call for Evidence but EDITED 2025: Let's kick this off again in 2025 as evidence for the MHCLG for the Summer Public Consultation. We need evidence of private parking t&cs signs. If you take photos yourself, please show them as a screenshot to show the date a photo…
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Has anyone had a problem getting a Verification Code from Lebara?
We put my new Lebara SIM card in my phone and despite restarting the phone and inserting the SIM numerous times I am not receiving an activation code. We also tired to do it manually on the website with the new number and PUK code but it is saying my mobile number should be 10 digits which
is not correct as they are 11…
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Affairs in order (from a finance perspective)
Hi all While arguably could go elsewhere on this forum lots of knowledgeable organised people here and also definitely pensions is a major part of thing. Just been going through our legal affairs to address what should happen with everything in event of one or both of me and partner being incapacitated / dying. Checklist…
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Barclays Google pay Cash Reward
Hi Just had an email about this offer Cheers Source: Barclays https://share.google/H471bkqbPEljeShsL
