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Building Insurance for Leaseholders - misleading advice ?
The Home Insurance article in last weeks tips email stated “…..buildings
insurance is usually only for freehold homeowners (otherwise it's generally the
management company's or landlord's responsibility…..” Surely this is dangerously misleading ? I’m not sure what is meant by “Management company” – we pay £15 per annum…
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Lentils
I’ve used the search function but am not sure any of the threads answered my question. i usually buy dried puy lentils for stews/curries. I need to replenish but notice that the supermarkets only have one brand. They all have brown, green and speckled green which are way cheaper. So what’s the difference? Are speckled…
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Another Claim or Self-Repair Question
I stupidly hit a low bollard, damaging the bumper and wing. I've been quoted an estimate of £1,000 to repair the damage, using used parts. What threshold would you use to judge if claiming through insurance is worth it. Excess is £300
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Hyundai or Enterprise accident management for insurance claim?
My current insurer does not have any approved hyundai garages so I need to find my own - but they will not cover recovery if I choose my own, so just wondering if anyone has used Hyundai accident management or Enterprise? Any advice on this would be appreciated.
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Council tax help!
Hello, I woke up to an email this morning from a company called Jacobs saying I had council tax debt of approx £1500 and to contact them to make arrangements asap basically. Now I have two previous council tax debts which I am slowly paying off, agreed payment plan with the council. However when I checked my payments I…
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Radio Times Big Picture Quiz
So far the list we have for the Radio Times Big Picture Quiz, https://forums.moneysavingexpert.com/discussion/6645324/e-09-01-radio-times-picture-quiz/p1, is as follows… 1. Destination X - Black coach / bus 2. Strictly Come Dancing - The dancing couple 3. The Bombing of Pan Am 103 - Pan Am Plane 4. The Hack - News of the…
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My experience of DIY Probate
Hi I thought I'd share my experience of applying for probate online for anybody in any doubt about doing it themselves. If you've a simple probate then I can see no reason why you would pay an expert to do it for you, so give it a go. This is the first probate I've ever been involved in. I had already created the probate…
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Home insurance and lock boxes
Hi I’ve just had a break in at home as thieves have opened a lockbox with a crowbar or similar. Now I know some home insurance is sketchy on these things, but I’ve just been through my whole policy with a fine tooth comb and there isn’t even a mention of a lockbox or anything of that nature when it comes to a claim. Of…
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Question on inheritance tax when family home is in sole name.
Question on inheritance tax. I am married and own our house but that house is in my sole name, as I
bought it before we married. If the wife dies first her assets are passed on to me tax
tree but when I die and I pass on our joint assets to our children does my
estate benefit from the £175,000 residence allowance she would…
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Payoneer email about Annual Account Fee?
Hi, Is this a scam? Anyone else had this email from Payoneer: "Starting February 23, 2026, we’ll be updating when the annual account fee will be charged.You'll be charged this fee only if you receive less than 6,000 USD (or equivalent) in any 12 consecutive months. The 12-month period considered will include the time…
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Section 75 claim for defective laptop repairers won't return?
Hi all, I'd like to understand my options and chances of success for an S75 claim for a faulty laptop. I bought this in August 2024 but it was never right, partly because it was not fit for purpose, probably not because of a defect but because of an inherent design issue, and partly because of a number of manufacturing…
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Idiots Guide to Switching Banks
Hi all, Looking to start switching banks to earn the freebies as I go back to work from maternity soon, and have accumulated some debts while I've not been earning. I've read the MSE guide and searched in the forum. It could be my baby brain, but I'm still not fully understanding how I go about it. I think I'd prefer the…
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Gifts and other transfers of value Schedule IHT403
i need help do i put in money taken from bank accounts on form or money owed confused as my tax is payed from my pensions then i pay any thing left to pay in the following January ie a year later my state pension on my tax form is also different on what was put in to bank account as calculated differently by hrmc
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Merged: Another question about directors' pensions and the "wholly and exclusively" …
This discussion has been merged.
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Keeping our options open
Hi Everyone, I've debated setting up my own MFW diary for a while and I've finally decided to go for it (hopefully the children will stay asleep long enough for me to write my first post!). We took our £200k mortgage out nearly 5 years ago on a 25 year term so that it would be paid off by the time my husband turns 60 and…
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Problem with calculating annual income to open bank account
Hello everyone, I’m waiting to open an interest paying bank account. I live of a lump sum, savings and a monthly allowance from my private pension and savings in other savings accounts. I have no debts and live within my budget. The problem I have is that every bank asks for your gross annual Income and I don’t know how to…
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Question about being banned from refunds from Amazon?
Hello, Got an email recently from Amazon which stated that 'Hello, we have noticed an unusually high number of refund requests on your account We understand that occasional problems with orders are expected in the normal course of business. However the unusually high number of problems that you have reported with your…
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Merged: 57 or 60? – sanity check
This discussion has been merged.
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Two USS paths, cannot decide
I am in USS and 56, essentially I have a choice. 1. Stay until 60, 3 days per week, and get USS pension of 31k + x3 TFLS at 60. Will have IB/DC's of 500k. 2. Go now and take 24k USS + x3 TFLS. Will have 500k IB/DC at 60, if I leave invested. All todays money. The extra USS under path 1 is essentially due to staying and not…
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Bathroom Ceiling about to fall down
I've got a serious problem with my bathroom ceiling. Its now sagging quite a bit, with a massive crack. There are some brown water marks which I think indicate water damage. Above me is another flat and their bathroom. I've been informed my pipes run underneath the floor, so it has to be the bathroom above. I'm not sure…
