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Am I worried about nothing? Central heating
I have a 6 year old Viessmann boiler with a hot water tank. In the summer we had an issue in that the central heating was coming on with the hot water. Plumber came out and sorted that by replacing the 3 port aculater. When it came to turning the heating on a couple of weeks back, i noticed that it doesn't turn off even…
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Transfer cash out of workplace pension to SJP?
I have been discussing with an adviser from Clearwater Wealth Management about setting up a private pension with St James Place. The adviser has proposed that I move half of my segments out of my Aviva workplace pension into a private pension with SJP. The main selling point seems to be the ongoing advice, because it seems…
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Aci/myjar
Hi, ive just found out that ACI send an agent to my door, I was out but they chapped my neighbours door to see if i lived there and asked what my surname was, she didn't say anything but can they do that?
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Unsecured debt help - I feel helpless
Hi everyone, I have been reading a few thread on here for a while for some support and advice and feel like I need to post my own issues to get some more personalised advice. Long story short I have around £43,500 of unsecured debt. A mixture of unsecured loans and credit cards that I physically cannot pay. Zopa Loan -…
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Are OFGEM now agents of HMRC
Despite huge profits being realised by power generation companies the consumer is bailing out their apparent creditors and supplementing the debtors with a benefit payout. Why?
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We will get this debt down & the savings up
Several years ago I joined MSE with a different user name, but then it all went a bit wrong with losing job and other things, so I sort of fell by the wayside. Now I have created a new profile and am starting again with more determination. I have read so many people's diaries and can see that it helps you focus and it is…
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No will and no blood relatives makes things difficult for in laws and friends.
Just a heads up to people that you really should have a simple will in place whatever your circumstances, but this is particularly important if you are an only child and have no surviving blood relatives. In that case without a will it becomes difficult for in-laws or friends to organize the funeral and the estate passes…
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New mortgage, are we mad!!
My husband and I are just about to embark on a new mortgage journey as we move to a detached home nearer to family and my employer. Its been a hard road to get here and we're both thrilled that we have this opportunity. We paid off our first mortgage on our first owned property in 2023. This time it's a smaller mortgage of…
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DCB Legal / Secure Parking Solutions Money Claim - help with Defence
Hi guys. I know i have left this very last minute but i have had a lot going on, to the point where i was thinking to give in with this! I was parked at a location where I didn't notice any of the poor signage. There were also plenty of other places to park on the main road within a few metres away (it was during the…
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I paid a GroupNexus PCN, then realised I DID pay for parking
I parked at George Elliot Hospital Nuneaton and just received a PCN for non payment. Many months ago I accidentally parked in the staff area of a car park I was told to use for my visit (it's the same designation but there is a staff section and a public section, but the signs were hidden). I tried to pay, but couldn't. I…
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Numpty ebay questions
It is a long time since I last sold on ebay and things appear to have changed somewhat. As a private seller I used to offer free postage and send with stamps I already have with proof of posting from the post office- no point in sending tracked as these are low value items. Gone to list something pet related today and…
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Pension transfer issue: Barclays & Vanguard
We have a bit of an issue regarding an ongoing pension transfer into a Vanguard SIPP. My wife is attempting to transfer a Barclays Afterwork pension which is defined as a 'Hybrid – Cash balance (Credit Account) and Defined Contribution (Investment Account)'. Vanguard contacted Barclays to confirm the scheme details.…
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Banned from Qmee for "poor survey practices" - without ever having done a survey with them...
So I've just signed up with Qmee to do surveys, and I got a message on my account page saying "Oh Dear! There seems to be something wrong with your account.Don't panic - just drop our friendly support team a quick email, and they'll take a look for you." So I e-mailed them, and this is the response I got: The thing is,…
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Problem Accessing My Outlook Email account
I have just changed my laptop and am having a problem getting into my outlook email account I keep getting my old gmail account which is still active but rarrely used how do i get into my outlook account
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Pay off all your debts by Christmas 2025!
Welcome to Pay ALL Your Debt Off By Xmas 2025 Firstly I would like to welcome all new and existing members from last years thread (New numbers will be allocated for 2025). Thank you for last year! Anyone is welcome to join this challenge and it is NEVER too late. There is also no amount of money too small or too large that…
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PARKING CONTROL MANAGEMENT RESTRICTED ZONE
I went to visit a friend and he advised me was ok to park on restricted zone on private land. When return got a notice on pcn. I waited and have now got notice to keeper. Although he gave me a vistors pass i did question why should park there and he said everyone does it. Wondering if any point to fight this ie use the one…
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Need help with how to proceed with appealing Napier Parking Parking Charge letter
Hi all, sorry in advance for the complete newb-ness of my post. Just not sure how to proceed with appealing and maybe if there's any point. So essentially I have been sent a Parking Charge letter issue under the reason No valid parking session detected for the total duration of around 5 and half minutes, in one of my local…
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Old Style Daily Saturday 01 November 2025
Pinch Punch, first of the month. Morning all.
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Here we go
Hi all. So, first time poster on here. Long time follower! I got my first mortgage on my first one bed home back in 2009 aged 27, it was 86k and the initial fixed rate was 4.84. I didn't even think about the idea that one day it might be paid off! It was a 25 year term. Two years later, 2011, and now with my then fiancee,…
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ISA FCSC
Hi My current Isa recently matured and as gone over the FCSC limit I am assuming the scheme works with Isa accounts as with any other savings account. I am unsure what to do ? Should I be splitting and transferring this up into smaller Isa accounts? Can you do that ? I thought you are only allowed to open one Isa account…
