Recent Discussions

Lost job during probation period. Live with my partner who earns 105k. I have no savings but she does. UC seems to now mean we apply as a couple rather than just me as it was when I last needed UC. I don't want to apply and negatively affect partner in any way.

Hi All, My latest bill from Octopus separates out consumption for EV charging and for household usage. There is a line item for each category in KWh consumed, a rate and a total ££££ value for that category. As the only approved device for billing in my setup is the smart meter. I've been back-and-forth with Octopus and…

Hi guys, so I received a letter of claim for two Smart Parking tickets. I’m guessing as most of you do I ignored the demands. I then received a letter of claim from Dcbl. I understand there is a newbies thread for this type of thing but I’m a bit confused. I emailed dcbl using the reference as the subject header. The email…

NS&I has launched new fixed-rate savings accounts that let you lock in good rates for one to five years with total safety, as NS&I is backed by the Treasury. They're worth looking at if you're keen to save with a big name and won't need access to your savings – though you can earn a bit more from the top payers elsewhere……

I am on Octopus standard tariff for Gas and Electricty and reading the post below I am thinking of fixing - anyone else in the same boat? Expecting a rise of a fifth in January is adding insult to injury. https://www.moneysavingexpert.com/utilities/are-there-any-cheap-fixed-energy-deals-currently-worth-it/

Anyone know how strict Santander are for the opening rules around this account? https://www.santander.co.uk/landing/savings/first-home-saver It seems essentially a standard 2 year savings account designed to accumulate a deposit for a first home. A young family member (mid 20s) previously inherited a share of a property,…

Hi all! Just need a sounding board, really. Unfortunately, my grandmother died last year. She left me a considerable inheritance. And a part of that inheritance is just under £150k worth of HSBA shares (when she passed they were worth around £80k). I was pretty shocked when I had looked at the share price recently as I…

Oh good, another PCN! Well, I assume it is a PCN, it only actually says "Parking Charge", which is new to me. This charge was for staying a whole 10 minutes and 34 seconds in a car park that only shows signs for 24 hour parking charges. After seeing that, I left, but not before another vehicle prevented me from leaving. It…

hi, I have a court date in 2 weeks . I need to send evidence today. I would like a pdf of the POPLA decision for that car park if possible please. As posted by Estevenin.thanks

Hi all. Im an existing Octopus customer, has SMETS2 meters installed in May 2026, solar and battery early June and eventually, paid under Octopus Outgoing from end of June. To maximise saving, I also signed up to Charge Pack. Recently decided with falling sunlight that I needed to change Octopus tariffs to one with import…

The Bank of Scotland and Lloyds apps have been updated and it organises your accounts on the main page into categories. I quite like this. It feels more organised.

I'm talking when you cant shield it with an ISA due to allowances… what are the options? Some say premium bonds as its a tax shelter, however returns arent amazing. A standard savings account say 4% minus tax is only going to return just over 3%. So why not , if you are willing to have some risk, use a GIA and an index…

Hi everyone, Apologies but having read through the guidelines already in the forum I am still non the wiser exactly what I need to do about this… In short, I made a trip in my partners car (registered in her name) to London on 21/06/2026, pulled over at "Moto Reading East" services for a sleep, woke up drove off a while…

hello I do the book keeping for a relative sole trader business. For 25/26 year, we had an accounant submit the SA return but this year I will be doing it as due to an injury, the workload (and income) has dramatically reduced and we are trying to reduce financial commitments - its a quite a simple SA using an online…

I fell over this week, I was assuming that I tripped over my own feet, as I could not remember, but that may not be the case. Dizziness after standing up is usually a brief drop in blood pressure called orthostatic hypotension, which happens when gravity pulls blood into your legs and your body takes a moment to adjust. I…

Harry Potter fan here - how could you tell 😉 I've been here before under another username but needed a fresh start so here we are! I'm in debt at the moment but it's on a 0% credit card and I've got a good plan to pay that off within the 21 months. I've also got my mortgage for my wee flat which I'm planning to pay off in…

Hello all. In May 2024 I parked my car on a road within a private industrial park with no parking restrictions in place, leaving possession with a garage to do work on the car. I collected the car in June 2024. A couple of weeks later I had a PCN from Car Park Management UK for parking here. In the month between me leaving…

Hi folks, Did a search but couldn't spot previous discussion on this which is surprising as it must have been discussed and I probably just can't find it. Anyway Lloyds have just e-mailed to say that my 1% cashback is ending on my creditcard in a month. Obviously it was a 1 year offer to attract people, so looks like I may…

I claimed several car finance agreements years ago using Martin’s free tool template. Finance provider have acknowledged and updated obviously with the latest appeal in the courts holding the scheme up. Just in the past week, my finance provider contacted me and asked if The Claims Guys Legal were now handling my case.…

Hello! Right, as discussed elsewhere, battery storage for self generation (typically PV) is interesting (to some), and gathering momentum in the UK. So here's a thread to discuss it, and watch it develop. I've called it on-grid, as off-grid is so much more specialised. And domestic as commercial scale storage, or grid…