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Switch or stay with EDF Simply Fixed Direct Aug26v2
Hi All, I got excited to switch and save some money, but it looks like the majority of my saving will come from the GAS switch and the ELECTRICITY is minimal, and particularly worrying as the standing charge with the BG deal is a lot higher than EDF. I also don't like the exit fees.... Any thoughts on whether I should stay…
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DCB Legal (Euro Car Parks) court claim
Hello, my son received a court claim form with an issue date of 16/09/2025. An acknowledgement of service was filed on 26/09/2025. He received two PCN's for overstaying when he parked overnight while he was away for work. I gave him some bad advice by telling him to ignore all the letters that followed so I now feel…
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My debt free diet
I am writing this while i am work so i have things clear and i know why i need to do this i work in a toxic atmosphere and toxic workplace with a director who is always on my back about the most mundane things. It is getting me down and the only way i can see out of this is to become debt free and then i will have more…
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Manifesting Money Magnet
Well, hello there, 👋 Be diary, new me! ✨✨✨✨✨✨✨ I'm starting a thread on the mortgage fee wannabe section because that's one of the things I really really really want to be! I have been a member of the forum for over 10 years, rather on and off mind, but had to change everything when I was found out. So I'm back new times…
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Octopus Power-Ups, Free Electricity in East England
Just had the email through. Looks like a great scheme. If you're in East England certainly worth looking to see if you can sign up. (UK Power Networks) Another win for Smart Meters! ;) https://octopus.energy/power-ups/
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Credit card for points against flights?
Hi, We’re planning a big holiday for in 2 years time but not package so we can book our own flights. As there are 5 of us, we’ll be looking at around £5000 for just the flights so looking to find ways we can save money. Are there any credit cards which give points against flights? I’m thinking we could move all our monthly…
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State Pension forecast - quick question
I'm 58 and I've paid National Insurance for the last 40 years. I was just looking at my State Pension forecast at https://www.tax.service.gov.uk/check-your-state-pension/account One thing I'm not clear on. Is the forecast based on the assumption that I will continue to work and pay National Insurance from now until my 67th…
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Energy Club deals - is a smart meter required?
I am thinking of changing my mum over to one of the fixed rate deals available through the Energy Club - probably to the offering from British Gas or EDF. She is already an EDF customer and does not have a smart meter and does not want one. Are these deals based on you getting a smart meter installed if you don't already…
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Children Services SGO Assessment
Children services want to put a section 20 on my 4 Gran Kids and asked me am I willing to take the 2 older kids 7 & 5 with 2 year old twins going in to temporary foster care. The 2 older kids stay with me most weekends and 3-4 days at times during school holidays. Yesterday I had an SGO assessment for emergency foster care…
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Is Hastings / St Leonard's really up and coming?
I know there's lot's of posts about this, but they all seem to be dated in latest 2020 and as I can see from a recent visit to Hastings / St Leonard's , a lot seems to have changed then! However, i'm looking for the inside scoop from a local as I think you only really see tell tale signs if you live there. So, in 2024, how…
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Advise needed to sell or buy to let
Hi all, I’m in a bit of a difficult situation and would really appreciate some perspective. The housing market is down, and we’re trying to sell our place but not getting anywhere near the value we expected. On top of that, our child’s school catchment is a big factor, and we need to sort things out before end of October…
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Lolu's Mortgage Free odyssey
Hello guys and welcome to my mortgage-free wannabe diary! I wanted to start one of these ever since my offer was accepted on a lovely two-bed property in Kent but I thought maybe it was slightly too early. I've always been fiercely independent and want to finally move out of my parents' house where I was paying…
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Armed forces pension and divorce of German spouse.
I have a close friend who is a German citizen and is currently divorcing her ex forces British husband. (She lives in Germany). Her solicitor says they are unable to include his UK army pension in the divorce. Would anyone know if this is the case ?(is it because of brexit etc now?) Most of the advice given is for UK…
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CEL / DCBL – GP practice car park – NtK never received
Location: Wales Operator: Civil Enforcement Ltd (CEL) – BPA AOS Debt collector: DCBL (letter/phone calls only; no court claim) Keeper: me (V5C address was only recently updated) LBC received: No – I have not received any Letter of Claim. 1) Summary / TL;DR I was a genuine patient at a GP practice on May. I never received…
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Moving in under a year
Any guidance please. My wife and I moved into our new house in December 2024 and naively didn’t do much digging on the neighbour, we purchased from a friend who neglected to tell us how bad they actually are, but the past is the past and I won’t share the details. I’m keen to try and now sale the property and move out, as…
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Cooperative Everyday Extra Linked bank account Rock and AXA
In March this year we signed up to the Co-ops Everyday Extra account, the worldwide travel insurance was appealing and with a number of pre-existing conditions, all declared we were happy to pay a supplement of £260 to secure cover. We’ve paid the monthly fee and had no use for the policy but have recently booked a holiday…
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New SOA - first one in about 10 years
Used these boards a long time ago when I was trying to tackle debt....fast forward many years and the debt has mounted up...mainly due to a failed business where we were personal guarentors on loans. Anyway, decided I need to not bury my head in the sand and work out a way forward....so any suggestions on my new SOA? DOn't…
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Flat has been on the market for 3 weeks now, and I've not had many viewing requests - is there anyth
I've had my 2 bedroom, 2 bath flat located in South East London on the market for 3 weeks now but I've only had 7 enquiries, of which 4 turned into viewings (1 of the viewers liked it but wanted a more modern kitchen, 1 of them the state agent was convinced was going to make an offer the following day, but then…
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One step at a time
2024 has been a big (and expensive) year. I got married! We also moved into our ‘forever home’. Weddings and moving house are so expensive, and I am now looking towards getting a hold on our finances in 2025. I have been on the MSE forum for years, and contributed to some threads particularly on the old style moneysaving…
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How to find car reg with partial reg
just had a car hit mine only got make nissan Model Quashci Partial reg VH60 then looked like ydy but isnt ! Any help gratefully received
