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Spending It
Quite an interesting podcast from The Mad Fientist about the challenges of going from decades of saving and investing to spending the pot. https://www.madfientist.com/how-to-spend-money/ While there aren't any startling new ideas, this is an area that does warrant discussion. I wondered if anyone has any practical tips…
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Parking Eye PCN - Gale St
The driver entered the car park, found a space and parked. The driver was taking their minor daughter to an urgent optician's appointment. The car park is 30 mins stay or if visiting the hairdresser or dentist then you can input your details to have a two hour stay. The PCN was received in the post on 14 November I have…
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HM Land Registry says "NOTE: No copy of the Lease is held by HM Land Registry"
Hi all, I am looking to buy an auction property, the one issue is no one (including my solicitor, seller and the landlord) can locate the original lease. I need to extend the lease (have 60 years left), however I can't do this if no one can locate the lease. Has anyone come across this before? What's my strategy here…
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Another out of the blue CCJ from DCBL.
Just received an out of the blue CCJ letter from DCBL without any prior contact or letters. Checked credit file and indeed there is now a CCJ... Read through the newbies thread, and hopefully have started this the right way... Contacted CNBC yesterday at 8:30am on the dot and managed to get straight through. I was told it…
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Trading 212 - Cash ISA - Financial Ombudsman Service complaint on hold
Just had this email from the Financial Ombudsman Service (FOS) today: "Thank you for your emails and for your continued patience. I’m aware that your complaint has been with us for some time now and that you may be concerned that you’ve not heard much from us yet. On the surface the complaint you’ve brought to us appears…
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MOTs used to constantly fail
I just wanted to make a post about MOTs. For literally decades, my car used to fail every time (with all of the well franchises). This was despite having my car serviced regularly. The average cost of a so called MOT failure was around £250!! I think I've saved literally thousands of pounds. I then found out about…
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Selling first home where to start?!
I have read all the MSE articles (this site helped me save and move out of childhood home on my own) but it seems to be about first time buyers or once you have found a house. The guides state sell you house first which is fine I live in a really east to sell first time buyers home is a gem really. What on earth happens…
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Will it affect my credit file if I don't pay a concert ticket payment plan?
Can anybody help with this? I bought a concert ticket on a payment plan through AXS ticketing online yesterday and I've realised I can't go. I haven't received any information on the payment schedule or t&cs about the plan. It did show the plan at the time of order, and there was a 3% credit charge added, but I didn't read…
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APCOA Penalty Notice- Sandy railway station
Wow, this board is huge, with an overload of information. I spent all of yesterday afternoon/ evening reading different threads and information, I am a little bit the wiser, but a lot of info seems to be out of date, so confusing. My wife took our car to the station (I am registered keeper) and paid by phone for a days…
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Funeral Invoice
I recently lost my Son, I asked for the bill at least 3 times, Funeral was in July, I finally got the bill in October, I paid it the same day, I received receipt showing all paid, balance zero, about 5 weeks later, I received another bill asking for more money, as they had not billed me correctly, I have paid £2450.00 ,…
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Universal credit question
Hi there I was on ESA WRAG before being migrated to Universal Credit. I get £143.73 transitional element and get £387.91 per month universal credit payment, and receive 360.97 carers allowance every 4 weeks. I randomly checked two benefits calculators. On Turn2Us benefits it says i should be getting £1016.16 per month…
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GMP Equalisation - Lifetime Allowance Charge
I’d be grateful for help from anyone
with expertise in HMRC’s Lifetime Allowance (LTA) Charge in
relation to GMP equalisation. Sorry it's a long post, please bear with me. I am a male current pensioner in
a DB scheme. I've had a letter from my Scheme Trustees stating that I’ll receive a back pay lump sum of £30, plus…
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Mortgage provider email to confirm funds will be sent on X date...questions?
Hi all, I'm completing on my purchase soon, all being well... I've just had the email from my lender stating that the money will be transferred on X date (day before completion). Does this mean their final checks are all done? I.e. is it safe for me to apply for credit without impacting the mortgage? Essentially I have…
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Iceland: £15 Christmas Bonus
Iceland are repeating their Christmas bonus card offer. If you top up your bonus card with a total of £100 by 28th October, you will get the usual £5 bonus (£1 for every £20 saved) and an extra £15 credit added in November, so a total of £120 to spend for paying £100. The bonus does need to be spent for Christmas, but it…
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UKCPS ticket gone to Trace Debt Recovery
Hi, In late September I got 2 tickets from UKCPS in my Uni Accommodation car park which I tried to appeal but failed and paid the £60 charge on both. I did contact the university themselves before paying and they said I broke the parking agreement and I had to pay. Anyway, I got a letter from Trace debt recovery this…
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New kitchen required
I've got a small galley kitchen in my 1 bed flat Alart from painting the doors of the cupboards & putting some new ceramic tiles in, I've not done any other work on it in 21yrs of living there. I therefore want to completely refresh the kitchen. The cupboard carcasses are in ok condition but doors definitely need changing.…
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Cash Ladder
I have read as much as I can about savings accounts and I would like to know whether my plan for my 5 year
cash ladder will work: I have worked out the figures and the
rest of my money will go into investment and that will be my next plan. I am expecting some income during the 5 year period so I can
be flexible with 1 – 2…
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Octopus Flux Tariff
How am I supposed to work out if a tariff like octopus flux would work for me? I have a 2 up 2 up semi detached house: single fuel (no gas): an array of 10 solar panels: 6kw battery: ASHP. Currently on the Octupus flex tariff with a monthly dd of just £8, reduced by Octopus due to a high credit balance. Looking at the flux…
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The Case of the Overwhelming Mortgage
I’ve lurked for a long time. I have no-one in real life I can discuss these issues with and thought it might be helpful to get it out of my head and on to paper. I am mid 40s, married, with two pre-teen children. We moved in 2017, with a 20 year mortgage of £140,000 and interest of £10 per day. We now have a mortgage of…
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Civil Enforcement - Court Claim 2025
Hi I am sorry if this has been covered elsewhere but I am very new to forums. My husband has been issued with a letter before action from Civil Enforcement Ltd due to parking in an unlit car park, in the evening, in winter, raining so signs were not immedicately noticeable, had buidling work going on in the car park and…
