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Pantry challenge
I have about a month’s worth of food in my cupboards and freezer. I should probably keep it in case I loose my job but in the interest of food hygiene I’m going to eat it all up so my cupboard is bare. For people who don’t know how to do a pantry challenge the challenge is to save money on your food bill by only buying…
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London for three nights end of November
We are looking to staying in London for three nights 23/11 - 26/11 not sure if to stop in central London or on the outskirts. Looking to use a lovely hotel as it is mine and hubbys 50th birthdays . We are looking at options for travelling from Nottingham. Options are so far train, coach or hubby driving down leaving the…
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Cheap FM transmitting car play / android auto devices for the car?
First off, I already have something that resembles this, so I'm not just asking for any old FM transmitter. With the car I've got, story short I really don't want to be putting too much money in to it as it's just a temporary thing. No idea what I'll get next, obviously. The next car could be a single DIN unit, double DIN,…
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Water Bill Query
Hi, I know I’m probably on a hiding to nothing but thought I would explain my situation anyway. I live in a flat built in the 30’s the water supply feeds myself & the flat above so I have been told I can’t have a meter so have been paying for my water based on the RV. I am paying £100 a month & just accepted it but talking…
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Chip ISA
Last year i moved my cash to CHIP to get the great rate they are offering. With that rate about to end I am trying to transfer it to another CASH ISA but I can’t find someone who is able to accept a transfer from CHIP or Clear Bank. Has anyone found a High Street Bank that will accept a complete transfer from CHIP!
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LGPS Scotland and Ill Health Retirement
Hoping someone may be able to advise on the following scenario. Been of work for 12 months when work arranged an "Ill Health Capability" meeting at which my employer terminated my contract on grounds of ill health and me being unable to do my job amd was given 3 months notice period. Ill Health Retirement was enquired…
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Westcot after default
Hi, I have read a lot of advice and I think I am getting confused as there is advice not to deal with Westcot as they are debt managers rather than purchasers. But I dont know if that applies to me as Tesco have already defaulted me. I have received a letter from them (and they are calling very frequently) to say they have…
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HSBC/Wescot
My HSBC CC debt defaulted a couple of months ago and was passed to Wescot…I set up a standing order for £5 a month, which they have accepted and said it will be reviewed in 6 months. i have only made 2 payments (debt is £4,500). Surprised to have received a letter from Wescot asking me to get in touch about a reduction…
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early retirement reduction factors CS pension scheme - different for active/deferred members?
I have a mix of Alpha and Nuvos pension - thinking of leaving the CS next year after 17 years. Checking my account and MyCSP doesn't have the retirement modeller on it any more? From memory it would be more advantageous for me to take Nuvos/Option A but I am still working things through. Are there any differences in the…
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Is the Uber One subscription worth it?
Uber’s subscription service offers savings (and cashback) on taxis, trains, flights, groceries and takeaways. It usually costs £4.99/mth, but many people are being offered long free trials, from two weeks up to a whole year. It's a rare subscription that can actually SAVE you money instead of wasting it. Read the full…
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How to use Solar Panels and Battery efficiently
March 2025 I was sold Solar Panels and Battery based on Octopus Flux product information. Octopus information shows a graph where the Night Import rate is less than Day Export rate and explanation recommends users to fully charge batteries at Night Rate and use Solar to keep batteries 100% charged until Peak Rates to…
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Oven light bulb unit issue
My oven light bulb blew a few weeks ago. I bought what I thought was a replacement and it turns out I made a big mistake. It worked for the first two days and then stopped working. Today I opened it with the hope to replace it, and found it had melted in the unit. I'm trying to pull out what's left and it isn't even coming…
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Faulty car purchase and now got a CCJ against the seller. Exploring my next move.
Hi everyone, hope someone can help with this!! I bought a car for my daughter in Feb 2025 for £2900 from 2W car limited in Bedford. Car was full of issues (timing belt, head gasket, solenoids, etc). Got repaired paying another £3400. On 2nd September, I got a CCJ issued against the seller as no response from him. I have…
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Tax question
Hello Forumites, Just looking at spouse's pay slip and too impatient to wait till Monday. Her employment situation: - Basic rate tax payer - Started new job a week before pay roll cut off First payslip shows this which is quite confusing - Gross pay 200 - Deductions 362 - Net pay 562 - Tax code 1257L Payments showing as…
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Moved: Claim form received from Kearns Solicitors
This discussion has been moved.
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Shared ownership HA introducing new service charges 26 years into the lease
My shared ownership HA (Southern) are introducing a new service charges 26 years into the lease in spite of the fact that it's a repairing lease and I have full responsibility for all repairs and they haven't ever done any work on it. The only charges I have ever paid apart from the rent have been for the Buildings…
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MSE Forum poll: Do you prefer orange juice with bits or without?
Here's a pulp thriller for you. Second only to the divisive nature of Marmite, there's another love it/hate it food debate that has raged on for eons...which do you find most a-peel-ing: orange juice with the bits in or without?
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British Gas Collective Nov26
When I go through the link from the MSE email I have to complete a form as though I am a new BG customer and set up a new direct debit. If this deal is available to current BG customers why do I need to set up a new direct debit? And if I do complete a new direct debit form will my current credit with BG show on this new…
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Land Registry Query & Rent Charge
Hi, I'm hoping someone might be able to help me, or someone from Land Registry might read this and be able to help out. I'm purchasing a property and as part of the solicitor's checks it has been identified that the property has a histroic rent charge of £4.50 on it. The lender (Barclays) have refused to lend unless this…
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Money Market Funds ?
I am considering switching about £50K held within an ISA account with iweb in VL60 to a money market fund , possibly Vanguard Short-Term Money Market Fund -Accumulation. 1. Would the procedure to keep the ISA status be to simply sell the VL60 and buy once Iweb has credited the cash to my ISA account or would I need to do…
