-
Decluttering my flat
Too much stuff in flat. Boxes of toys, paint things train tracks, previous tv lying around. Kid hasn't used painting craft stuff for years. Move ti garage or throw or charity shop? Too many clothes too.
-
A Ditherer's Diary (again)
I'm baaaack. When I started my original diary "A Ditherer's Diary" My kids were littlie's aged 5 and 15 months. Nothing except their age and the amount of debt has changed, it's all got higher! They are now 11 & 7. Having had a quick read through, a lot of it was me coming and going with a few months/years in between. I…
-
Estate agent asking for details
I'm selling my house. I have completed CREDAS checks and uploaded my driving licence and passport. The estate agent is now phoning and emailing me, asking what my occupation is. I don't see how that is relevant to me selling my house? Can anyone shed any light on this? I've never sold a house before. Thanks!
-
Steadily climbing the mountain, enjoying the view along the way
I have been pondering for a while stating a new thread, as at 700+ pages my old one is getting very long and doesn’t feel so aligned with where I am now. 2026 is going to be about getting myself to as healthy and happy a place as I can. Life is short and my inherent perfectionism means that I tend to want to achieve,…
-
SIPP contribution and gift aid
To keep out of the higher rate tax band (and hence keep PSA at £1,000) I need to inform HMRC of SIPP contribution (£2,880/£3,600) and gift aid donations. Will they just accept my word for these, or do I need to provide evidence? SIPP contribution would be easy as I can get a statement from the SIPP provider, but what would…
-
And now we go again...
...new diary title taken from the line I had already added in to my signature! Regulars will already recognise me - I've been here a while, although aside from one fairly short stint always on the DFW boards. A quick summary of our MSE history for those who have not stumbled across me before though - started out with a…
-
credit card (aqua) selling to Link Finance
hi, I'm looking for advice. i have a credit card with Aqua, I've recently been sent an email that they are now selling my account to Link Financial Outsourcing. i know i have to wait for them to contact me within 60 days, however i have financial anxiety and questions. firstly, what does this mean? what can i expect from…
-
Cash ISAs: The Best Currently Available List
Cash ISAs: The Best Currently Available List **Please note: The list of ISAs I have compiled below is continually updated. New ISAs are added as they launch and withdrawn ISAs will be removed from the list. ** The current Cash ISA limit is £20,000 for the 2025/26 tax year. **As with any financial product, before opening an…
-
Work pension acceptance for under 22 year olds
After reading the related articles on workplace pensions for the under 22s, I am wondering if there is any legal legislation or document I could refer my employer to? We have some apprentices who are under the age of 22, been employed for over a year and earning well above the minimum earnings for acceptance. The company…
-
The Cashback for Bank or Investment Accounts Discussion Thread
What's included in this list? This is a list of cashback offers that might be of interest to MSE forum users, focusing on: * Savings accounts including ISAs; other bank accounts may be included too * Investments including pensions, but note there’s already a related thread on the Pensions board * Offers you can get in…
-
Lost (Scotland)
I'm just lost just now. To give some background, I had a disagreement with my ex wife regarding child maintenance payments as I had both my daughters staying with me 4 and sometimes 5 overnights per week but paying £400/month. Long story short, she lied to CMS saying I only had them 2 nights per week, I refused to pay it…
-
Five Year Fix, Five Year Plan
I've not even got a mortgage yet, but here I go. I'm finally getting on the housing ladder and settling, after living around the country for the last decade. I've been in a position where "I'm just about to buy" for about 8 years for various reasons, so while I've not spent well, I could have saved better instead of…
-
Debt recovery letter for driving through Drop off/pick up at Luton Airport
Hi all, I'm hoping you can help me. Today I received a letter from Debt Recovery Plus about a Parking charge from Luton Airport. I never received any previous letters, just this one I received today. The charge originates from APCOA. My partner and I briefly drove in and straight out of the "pick up/drop off" area thinking…
-
Mettle business account fraudulent transactions
Today I received a series of notifications from my Mettle app, business account, for a series of transactions which I did not do. I clicked 'I do not authorise this transaction' and then I immediately cancelled the card, then I called the fraud number (which is the customer service number), reported the transaction and was…
-
How do changes to personal allowance affect my higher rate threshold?
I just read (on a reddit thread) that changes to an individual's personal allowance will change their higher rate threshold by the same amount. I can't see this on gov.uk or money helper - they only say that the personal allowance is "up to £12570" and the higher rate threshold is £50270 (rather than saying personal…
-
Fuse Energy & OFTM Reviews please ⚡️
Do you use Fuse Energy? What do think? How is the customer service? The App? Billing? Please let me hear your reviews. I've read the previous threads, Trust pilot etc. I'd like to hear from current or previous users. I'd also like to hear the same about Outfox the Market? It's time for me to divorce 🐙 It's been a long time…
-
UK CPM Ltd.-dismissed appeal and payment
Hi. I have recently made an appeal to UK CPM Ltd. for dismissing my payment I had made on the 7th of January 2026 for the parking offence that had occurred on the 19th of November 2025. I have parked on the side of the building where I live over night for less than 10 hours, it's priv land. They sent out two different…
-
Swagbucks 2025
Might as well have a new thread for a new year!
-
Please remind me which lever turns the water off.
I know this is the way to turn the water off, I just want to check which levers to turn. A water softener is in the cupboard next to this under sink cupboard. All the taps in the house, except the garden tap have softened water so go through these pipes. (I’ve turned the water off before so know this works, it’s just a…
-
Claim form from DCBL for 2 parking invoices
Hi Everyone. I have received a N1SDT with the claimant as DCB
Legal (DCBL) issued 16th July. See below photo for 2 separate parking incidents
at David Lloyd Gym. I am the registered keeper of the vehicle and I have
not accepted that I was the driver. I sent the appeal as normal to NPC on receiving
the two invoices with a…
