-
Opodo flight claim
Hi everyone, hoping for some advice. I booked a flight with Opodo travelling with Air India. I paid extra for a flexible fare in case my plans changed. I paid the full price in one payment on the Opodo website, however the payment was taken in two transactions, the bulk of the money by Air India and a smaller amount by…
-
Aqua credit card/ Moorcroft
Hi, looking for some advise on an email I have received. Aqua not showing as defaulted yet on my credit report although it does sy contract terminated on my app and I have not received anything in terms of a letter in the post. All letters in my app.(ishis the same) I have now had an email from Moorcroft asking me to…
-
Mortgaging existing buy-to-let house to purchase a second property
Hello all. Long-term lurker, first-time poster here :-) TL;DR: Is it possible to take out a mortgage on a property which I own outright through a limited company, and it already let on an assured shorthold tenancy, then use the mortgage funds to purchase a second property to rent out as a holiday let (Airbnb or similar)?…
-
£3 million pension pot
For a comfortable 25 year retirement in 2065 (real terms). https://www.cityam.com/gen-z-will-need-at-least-3m-to-retire-comfortably/
-
Economy 10 & Smart Meters
I have an all electric house with 2 meters. The underfloor heating [acting as a storage heater] & hot water are heated from an Off Peak meter with 7 hours at night & 3 hours pm boost.EDF have just informed me they are replacing my 2 meters with a smart meter.I have no idea what this means for meI presume it means I have…
-
Mortgage free wannabe part 2
Hi, it’s been ages since I posted and I was very lucky to pay off my mortgage before covid. my house was 25 years old and needed a lot spending on it to make it energy efficient and modernise it so we decided to move instead as we just couldn’t change certain things we didn’t like) Unfortunately this meant getting a…
-
Braclays Balance transfer credit card
Hi, I was wondering if it is possible to get a balance transfer credit card from the same bank that has provided the mortgage. The credit card will be used for some house related purchases. I currently have a bank account with Lloyds and a mortgage with Barclays. Ideally, I would like to get the Barclays card which has the…
-
Please delete
Please delete...
-
Subsidence -positive experiences please
Hi Forumites. Our house has just been diagnosed as having subsidence. We’ve made an insurance claim and a surveyor came today & agreed it definitely needs intervention, although the house isn’t in danger of collapsing! He’s ordering soil, tree, foundation and drain reports, then we’ll have to see where we go from there. i…
-
Eye test at 62 ??
UK Driving Law Changes for Seniors Above 62 – Full 2025 Update i AM 73 Should I have done an eyetest (compulsory). Should I now?
-
How can I keep my no claims bonus active while driving a lease car?
I have maximum no claims bonus but for the past few years have been driving lease cars, meaning my no claims bonus is about to expire. Any suggestions on how to keep it live that don't involve insuring an old banger?
-
Every Brilliant Thing
I was lucky enough to see the wonderful Lenny Henry in Every Brilliant Thing this month (other actors are available) and it made me think about things in life that are genuinely to be appreciated. I don't wish to replicate the 5 OS pleasures in your day today - part 3 thread which will of course have some elements of…
-
Powers’s mortgage free thread
Hi everyone, I’ve been reading lots of MFW diaries and wanted to start my own, sorry it’s going to be long! background: met a nice man with a not so nice house that he still owned with his ex wife and was in negative equity. Eventually remortgaged it together in May 2017 with a mortgage of £68k. We’ve made some…
-
Oh Martin...
Anyone notice that when trying to explain student loans now he has a graphic suggesting income tax at 45% only starts at £150k+?
-
Speed awareness course - cheapest
I 'had reason' (ahem) to book a speed awareness recently. Not surprisingly, they are all now being delivered online. However, there's a big difference in price between the cheapest and the most expensive - £20 difference. Since they are all online - it doesn't matter the 'location' of the one that you book, so really…
-
julicorn's journey 3 - The House on the Hill
Hi all! Long time, no see, at least when it comes to the diaries (I still run the mortgage free challenges, of course). Where do I start? This is my third diary on here, the first talking about our initial mortgage pay off journey for Mr julicorn and my first flat (bought in 2017). If you have too much time on your hands,…
-
Octopus Tracker
I just wondered about people's experiences with this tariff and whether they feel they are winners or losers. I got a quote from them yesterday, and I have to say I find the numbers highly misleading. The figures are very attractive, beating even the good fixed rate tariff I got from Avro, but presumably based on an…
-
10 years later yikes
Hello all Here again for round 2… my first diary https://forums.moneysavingexpert.com/discussion/4529627/can-i-do-it/p1 I’ve just looked back at this and as much as I really thought I knew what I was doing, it’s crazy to now see 10years later here I am. I was in my 20’s and ambitious and honestly looking back on it now how…
-
Outfox Energy and Econ 7 - any pitfalls?
Weighing up my options for switching. After UW (no!) Outfox is next up and much cheaper than my current offering from EDF. Next comes BG. I know BG had problems with switching E7 in the past. I have read all thr threads about Outfox but does anyone have any feedback specifically switching on Economy 7? I have a smart…
-
Horizon Parking
Good evening to you all. Just like some clarification in relation to a parking charge, in Tesco's. Letter came this morning, its £70, reduced to £40 if paid in 14 days. My questions are: it doesn't mention POFA 2012. states this below. "We now request this amount is paid using one of the payment methods described overleaf.…