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Does entering your Motability car Reg in Car reg/MOT sites, show it Tax except? or disabled ?
If entering your Motability car Reg into Car reg/mot sites, does it show "Tax except"? or disabled ? on these sites where you can enter your car reg and find out details about the car such as colour, petrol, Mot passed, Taxed etc. When you enter a car registration that is on a motability lease, when you enter that reg in…
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Cash money not being invested into my interactive invested sipp fund?
In my interactive investor sipp I have a monthly regular amount set to be invested into my fund which should have been invested on the 20th may which didn't happen and now says 17th June. The only change I made about was 2 weeks ago where I added a single extra one-off amount to be invested alongside my recurring monthly…
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Being cheap with being 'Making Tax Digital"
Hello all, I wonder if anyone had any thoughts on this. I recently started using FreeAgent, but because I'm cheap I'm using the Landlords version. I only provide a service and don't sell products. Does anyone know if this will be ok with the taxman? The landlord version gives me everything I need, Landlord is £10 and…
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How is ill health efficiency worked out in CSPS (Nuvos/Alpha) ?
I have a link to the various CSPS guidance Notes but I am struggling to see how to work out my reckonable service from the guidance notes. Edit - removed identifying detail
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MSE News: Car finance redress scheme likely delayed to November due to legal challenges
The financial regulator's major car finance mis-selling redress scheme, originally planned to start in July this year, will now likely be delayed to November due to four legal challenges. But in the meantime, it's still best to get your complaint in now, which you can do for FREE using our DIY car finance reclaim tool.…
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Class 2 NICS - complex case - may have been misadvised - leading to miss 2025 deadline
Title: Voluntary NI contributions (overseas) – payments made but no allocation + missed earlier years? Hi all – I’d really appreciate some help understanding where I stand with my National Insurance record. Background: I’ve been working overseas for several years (same employment throughout). I applied using CF83 in 2023…
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'Rich' Editor feedback.
Hi everyone We have just switched over the forum editor to the latest version, known as the 'Rich Editor'. UPDATE: New Rich Editor Feedback board The new Rich Editor Feedback board is now live. I've added just a couple of bugs as an example. Please post any issues you have over there. On Monday I’ll go through this thread…
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Who is liable?
Keeper is deceased NTK's received after keeper deceased I guess technically the estate is/can be held liable?
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Ending self assessment ( high income child benefit )
Hi, all To give some background, I've been PAYE all my working life. Over the past 2-3 years I've had to do self-assessment due to the high income child benefit thing. However, we have now ended our child benefit as of around three weeks ago, hopefully this means I can stop doing any form of self assessment? Do I just…
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The valley of death - seek advice on 0% spending cards stoozing, offers drying up, what to do next?
Hi all, I started stoozing just over a year ago after we moved house and got an offset mortgage. I've got to the point where my available credit on all cards is ~85% of my income, and my utilisation ratio is ~50%, all of which is on 0% spending cards for which the 0% periods start to expire this year. The remainder of my…
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RESOLVED: Utility Warehouse take over my TalkTalk broadband contract and raise the price
I was on a TalkTalk Broadband 24-month fixed-price contract (well, the price goes up by £3 every April, but otherwise fixed.) TalkTalk recently transferred this to Utility Warehouse, who are charging me £5 more per month. Can they do this? I signed up for a certain price. I can see nothing in the TalkTalk smallprint about…
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How to request SA tax return
Can someone advise how I can request to go on SA. For y/e 2026 HMRC have overtaxed my pension (via emergency tax), I also need to inform them of a small capital gain (They don't know about this), and confirm interest received. (They overestimated/got this wrong). Logging onto gateway doesn't help (directs me to form SA55…
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Child Trust Fund Account Access
My son was born in 2009. Back then the government had a thing about each child should have a Child Trust Fund Account. My son has a account with Nationwide building Society his name and my name on are on it. My son has special needs and is not able to make his own financial decisions he is currently 17 years old. can…
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Court claim for 2023 PCN
Hi, Hopefully someone can assist. Received a letter of claim from DCB Legal saying they wanted £170 for a pcn from 3 years ago. This was the first letter I had received regarding this so I probably foolishly phoned them asking what this was about. Lady on the phone said it was for non payment of parking somewhere I…
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Frustrations with OVO and refunds
Hi all. Having a massive frustration with OVO. Long story short, was going to switch to a new fix with them, cancelled after one day due to a better offer from current provider. Called OVO to cancel, was assured everything was cancelled. Lo and behold, direct debit wasn't, but the account was. They now want to issue refund…
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IG Stocks and Shares ISA - what account type do I choose?
I'm looking to open a stocks and shares ISA for 2026-27 and take advantage of the cashback off on this page: https://www.moneysavingexpert.com/savings/stocks-shares-isas/ The MSE page states: To open the S&S ISA you first have to open IG's general investment account (GIA). Your cashback amount is based on your initial…
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Investment Platforms Capital Gins/ERI Reports for General Investment Account
I currently have GIA with both HL & Interactive Investor neither supply or track CGT or ERI so I am looking to switch these trading account portfolios to either AJ BELL,FIDELITY OR CHARLES STANLEY , obviously price is relevant but also quality of their reports making easy for tax returns etc ? Also has anyone used an…
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Motoreasy alloy and cosmetic insurance
Hi I recently bought an almost new car (pre-reg) and was looking to buy a motor easy gap insurance but interested in the Alloy and cosmetic cover. The alloy and cosmetic cover are considerably cheaper than dealer offerings. However, are they worth it and are their claims and customer service any good? I have had their…
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Section 20
Some works mentioned on the section 20 I've received are actually the responsibility of the leaseholder, do I mention this on the consultation? Can we be forced to pay for work required for flats owned by other leaseholders?
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Composite Decking Fail
Hi First post on here and ive sat on this topic for too long! In 2021 we built a deck at our property and covered this with composite decking. Around 18 months after install i noticed the composite was contracting, moving and had started to crack on the surface (see photos). So i contacted the company we purchased from,…
