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Opening Multiple Accounts (+Switching Bonus) and First Direct Application
Hi. I'm relatively financially savy and have had a switching bonus before. However, I'm looking at opening new current accounts for linked savings accounts and the exchange rates on the debit cards as I will be travelling to Europe for a holiday for the very first time. With upcoming expenses switching bonuses are going to…
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Unidentified Direct Debit issuer
My bank First Direct has asked me to authenticate a new
direct debit instruction they have received on my current account – “STRIPE Re
Immediat” (corrrect spelling). I don’t immediately recognise it. I’ve spoken to First Direct, and they
can offer me no more information apart from its associated reference number…
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Claiming tax relief
Hi all I am 57 and currently in receipt of my LGPS pension. I work for the NHS and have been paying in to my NHS pension for about 5.5 years. I have worked out that from April 2026 my combined income from wages plus pension will take me in to the Higher rate tax band which is 42% in Scotland. To avoid this I am considering…
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Administration Charge when booking Cinema and other tickets online
I've just booked some cinema tickets online and been charged an extra £4,(£1 per ticket) for the privilege of doing so!! Has this ever been challenged before? We are pushed to book online as it saves on staff at the venue taking money and are then charged an admin fee for doing so. Cinemas are not the only trade that do…
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Letter of Claim DCBLegal
Hello everyone, I am aware of the advised steps in the newbie thread and will do them. I have a slightly separated question. My case involves a car park that has been in the local press for giving people unfair fines, so I emailed my MP about it. His caseworker has now responded asking for information so that they can take…
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Apple muncher's number crunching
Time for me to start a diary :j. I work 2 days a week, dd is at school and dh was made redundant in the summer. We are living carefully, although the redundancy money is being nibbled away at of course. We are fortunate to have no debts other than the mortgage, so I would like to get rid of it! We'd also like to have a…
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Where are OFCOM in the £4 per month Broadband Price Hikes?
A good few months ago OFCOM trumpeted their success in making Broadband and Mobile phone providers explain much more clearly (in simple £ numbers) their planned price rises each April. Sounds like a good idea instead of the old 3.9% plus whatever RPI increase is at the time. What seems to have happened is that many (I…
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Annual travel insurance - do I need to declare an injury sustained mid year
Basically I have an annual travel insurance policy which I bought in April, but broke my ankle recently and have a trip coming up (which I am still able and planning to take despite the crutches - it's just going to be a lot slower paced). Am I still covered? Do I need to tell my insurance company about the ankle break?…
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Closing LTD company
I've not contracted for a couple of years now and next year's books will have no activity apart from paying off HMRC. I've informed them that I'm dormant I have around £15k to withdraw. What do I need to do and how much roughly will go to them? Thanks
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DCB Legal - Court Letter
Hi Team, Thanks for all the information on this forum, its been so helpful sitting down and reading through. I have received a claim form data 05/06/2025 I acknowledged the claim on the money claim gov.uk site after the 1st 5 days. I am know preparing to submit my defence (need to send in the next few days) and would like…
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Teacher's Pension tax free lump sums
Good evening, I have spent days reading through pension websites, government and
other websites and talking to my pension agencies to try and fully understand
the implications of when to take my pensions. I have sent several secure messages to TPS but
no response over the last 4 weeks. I would be very grateful if someone…
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Overpayment to end mortgage - N'Wide
I have been overpaying my Nationwide Mortgage for some years and the end is now in sight. I am allowed to overpay 10% of the original loan. Once I get into my new overpayment year (from 1 Feb 2026), my overpayment allowance will be greater than the outstanding balance. Any Early Repayment Charge would be 4%. But the terms…
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Mobility Car/DLA
Hello, I am really hoping I could have a little advice. I don’t want to go on too much but basically my father was admitted to hospital early hours of the 3rd of October for a very badly broken leg. He was told by several doctors it needed amputating. By the time they’d decided upon this, the final doctor refused to do it…
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TAX ON FULL STATE PENSION APRIL 2027
I notice that ML has not mentioned that IF those only getting state pension with no other taxable income then there will a tax bill at the end of the financial year because it cannot be under the PAYE system for some reason
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Replace driveway gate
Looking for opinions and advice please... I need to replace or maybe adjust(remove panels) as it's too big and heavy when the wind blows. It knocked me over the other day, so scared to go out when windy now. Gate is 3300mm wide and 1350 high. I've attached a couple of pictures. Was thinking to replace with 2 smaller swing…
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Batter down your annual mobile costs article Discussion Area
This thread is specifically to discuss the content of the Batter down your annual mobile costs article To discuss or ask a question about this article or to report your haggling successes: click reply
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Meter Timeswitch Codes (MTC) for electricity meters
Does anyone know where to find a (current) list of Meter Timeswitch Codes (MTC) that specify the peak and offpeak times for a specific multi-rate MPAN? My limited search skills have so far failed me when battling my way through the Elexon/BSC jungle. [It's the same story with SSCs and TPRs, but this really helpful table…
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Sole trader query
Hi all, I am currently full time employed, but have been selling on the side as a bit of a side hustle. I have since reached the £1000 threshold, so now looking to register as a sole trader to ensure I'm doing things correctly. When looking on the GOV.UK website, I cannot see the option to register as a sole trader, only…
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Changing provider
Hi, I have 2 separate questions, Ive just had the warm home discount added to my account, I’m with EDF. I want to change companies asap, will they refund the £150 to me or just move it to the new company? I want to go back to British Gas, will they give me a IHD and I need to pay my monthly dd on the 25th of every month…
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Trading 212 not accepting money in?
On the sound advice to use my ISA allowance before the budget I opened an account this morning with Trading 212. Great but it will not allow me to pay money in to get the account up and running. I got stuck in a never ending loop after adding my bank account details and went round and around 7 time before I dumped it. Is…
