-
Nationwide/Virgin merger and Isa's
Was wondering what people are thinking about the probable merger and how it may affect Isa's held with them. This is a quote from an email sent recently: If you have a notice account or a Fixed Rate Bond which hasn’t matured yet, you can take your money out between 24 February 2026 and 1 June 2026 without giving notice,…
-
Sole trader into Partnership
Hi! 👋 Just wondering, if my wife and I are both sole traders and would like to join into a partnership, what would need to be done apart from creating a new business? 🧐 I was trying to find some advice online on the gov.uk site, but only found that we need to create a new business as a partnership and carry on normally,…
-
Justpark unexpected refund
I parked in central London, Chinatown Q park using the app, no problems. Three days later it has changed to cancelled and they have refunded the full amount. A tad confused. The season of goodwill?
-
FIT meter gives strange readings; installer gone bust!
In January 2024, I had a battery installed to work with the solar panels I already had (January 2012). This required a new meter and I have submitted manually the three meter readings required since, to E.On. They recently asked for a photo of the meter readings to verify my entries and have said that the readings are…
-
DCB Legal January 2025 money grabbers
Hey, so back in August 2022, my friend and I parked our car in what seemed like a council-owned car park near a shop. It had an ANPR camera, and we were there between 5-6 am. When we tried to leave, we realized the parking machine only accepted coins, and since it was shortly after Covid, neither of us had cash. We…
-
DCB Legal, help after response to letter of claim
Hi, just wondering if someone can help me I’m not very tech savvy. I received the £170 from DCB legal for parking fine from 2021. I responded to the letter of claim with the template I found on threads on here. They have replied with a lengthy email saying if I don’t make payment within 30 days there will be a claim and…
-
over paid tax deductions
I receive NHS pension pay every month and had a second job which was terminated 15 Dec. Checking gov gateway for my tax pay...i noted that £719.16 was deducted in tax (for January) from my NHS pension despite my tax code being 1257l. That being 50% deduction in tax. (normal tax deduction is £78.40 monthly) After several…
-
MSE Poll: What are your plans for New Year's Eve?
New Year’s Eve is around the corner, and for many of us, it’s the big question: how will you be ringing in 2026? Whether you’re planning a night out on the town, hosting a cosy gathering, or keeping things low-key, everyone has their own way of celebrating. Some people love the buzz of fireworks and parties, while others…
-
Smart Parking website won't allow me to pay?!
I received a NTK by post on 18/9/25 for an alleged parking violation on 31/8/25. The letter claims that the issue date was 9/9/25 (leaving a very short window for the discounted rate). We initially went to pay on the website but the payment page will not load. Nor will the appeals page. We are actually not minded to pay as…
-
do I pay off one debt first or do I try pay them off altogether
I have two out standing debts - EE which is £837 - ACI - £2600 I am currently paying £150 towards each of them. I have worked out my finances for next year and could possibly pay £200 towards each of them till paid off. my partner suggested i focus on getting one paid of first instead of attempting both, but I would really…
-
DMP, maxing credit and full and final offer
I have been reading through all the DMP posts and I see someone asked should they max all their credit before starting their DMP so they have a large emergency fund and can make full and final offers? Is this a route anyone takes? How early in could you make full and final offers? If you have a little lump sum available…
-
No Buying Unnecessary Toiletries December 2025
If your beauty and toiletries are taking over your life, then this is the thread to help you work through the stash and motivate you to not buy anymore (hopefully!) Welcome all newbies and regulars to this very friendly and chatty thread where we give lots of lovely tips on how to use up your stash and lots of support and…
-
Are you planning for a stock market correction
It is often said that failure to plan is planning to fail. Right now lots of people with stocks , particularly certain trackers and tech are anxious about a big correction, it almost seems inevitable and a big one could be followed by years to recovery, another lost decade maybe ? But many seem to be very relaxed , citing…
-
Medisafe app no longer free from January 1st 2026
I've been using the Medisafe app for several years to keep track of my medication and supplements. I've found it very useful to prevent me forgetting, overdosing or totally forgetting a med name during a medical appointment. From January 1st 2026 users will have to pay a subscription fee or lose access. It's a fairly small…
-
British Gas login problems
I have been unable to log into my online energy account for about 3 weeks. On my laptop, I get the error "Sorry, we're having technical
problems at the moment. Either stay
on this page and try again in a few moments, or please try again later." On the iPhone app it's "That didn't work. Your email and password are not…
-
IVA - my story
Around three years ago, after experiencing some financial difficulties, I applied for an IVA. At the time, my debts totalled around £6,500. My monthly payments are £385. After three years, I had already repaid almost £7,000 to my IVA. I asked my IVA company - around 7 days ago - how much is left to pay. They replied: It…
-
Received Horizon Parking Charge for Tesco Parent & Child Bay
Hi all. I got the parking letter today for the car being parked in that bay last week. I have read the Newbie FAQ posts but its very confusing as there is so much posts in there I am not sure where to look. Are Horizon letters still non compliant with POFA? If so, shall I use the standard template? The letter I received…
-
First time self assessment for property income
Hi, sorry if this question has already been asked. It's my first time doing a self assessment for property income so just getting my head round all the questions etc. I have a jointly owned property so obviously we have divided the income and expenses. My income would be below £5,000 before expenses due to only getting…
-
Mortgage free in Forever Home :-)
Hi All, This is partly for the benefit of @Cheery_Daff who has nudged me into posting. 😊 I’m in a bit of a pickle and I need to get on top of it
before it becomes any more serious. I am inherently a spendthrift, it’s always has been my way. In
my 20’s I ended up in a lot of debt relative to my income which I…
-
energy club recommendations dont include EV tariffs
Ive noticed that the MSE energy club tarrif comparisons dont include any EV tariffs and Im looking for some advice on how to move forward with best option Recently moved to scotland from NI, house has a built in charging point so Im making the switch to an EV. So i need to sign up to an energy tariff and want one with…
