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How to reclaim insurance excess following an accident to our car.
Hi All On 12th May 25 we pulled into a large open air shopping centre carpark and parked correctly. As my wife was feeling unwell, I got out and went to get a small amount of shopping. On return, about 15 minutes later, my wife told me that someone had attempted to park their car in the space adjacent to ours. In doing so…
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Umbrella vs invoicing for short consulting trial
Hi all, new here. Hope I've posted in the right place. Looking for a quick sense check. I am about 10 years into my career and about to try consulting for a short trial period of around 3 months with a couple of startup clients. The work is hands on delivery, day rate based, around 3 to 4 days a week, and I am assuming it…
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Debt being recovered by two separate companies?
Hello, would be grateful for any advice. Self managing a DMP, all been pretty smooth. Have set up payments towards most debts. I had a 13000 loan with RBS, and there are two different companies, AIC and Zinc contacting me about the same debt. I don’t really know which to deal with. Thanks
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Smart Parking Limited County Court Claim - Angouleme Retail Park, Bury
Hi All, In March 2022, I asked for an advise on this forum about a Smart Parking Limited fine. At the time I made a mistake of appealing with POPLA and got rejected. I was advised to ignore their letters until I receive a a court letter. This incident happened on 27/10/2021, and came about because I paid using the council…
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NS&I website login problems with telephone code
Anyone else had this problem? Entering an on-screen six digit code via telephone is the second part of the two-factor authentication process to log into NS&I accounts. It's the part that usually goes wrong and prevents me from logging in. This issue has plagued me for months and has never worked consistently. There's no…
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Recent experiences/recommendations with online only agents?
So we last sold our house through Strike back in 2023, but unfortunately our vendor caused the chain to collapse and we're now back at square one as our buyer has moved on. We've now found the "house of dreams" and want to move quickly. Last time, we had 3 over-asking offers within a week, all with proofs, so I'm confident…
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False alarm, please remove.
Sorry, false alarm. I was looking at the wrong sheet and my generation meter reading is now at a similar value to my actual import meter reading, hence my mistake.
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La Dolce Vita - 2025
Happy New Year to One and All. Wishing you all health, wealth and happiness. 🥂🍾 Welcome to the new thread. Where I catalogue my attempts to live "The Sweet Life" on the tiniest of budgets. My aim is to live a life of ease, plenty and abundance whilst deliberately living below my means to avoid debt. So far so good. I am…
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CSPS: Using Scheme Pays to pay a tax charge; what to think about?
Hi all, This is my first pos. I've got a tax charge on my civil service pension CSPS for this year of £3000, which I can either pay from my own funds or use the Scheme Pays to pay it. I'm keen to check that I'm thinking properly about it all before making a decision and finding it very hard to get anything resembling…
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Will trust and equity release or alternatives ?
Hi, dad deceased and left half family home to me and sister in trust. Elderly mum is in care at home and we need to raise some funds to contribute to financing care. Her savings are steadily reducing to local authority threshold but it’s unlikely their help will cover care costs we feel are needed. equity release broker…
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Let Thrift shopping thrive in 25!
A shiny new thread for the thrift shoppers amongst us - those who haunt car boots, FB marketplace, Vinted, Ebay, jumble sales & charity shops to score bargains galore!
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Rear wheel smacked
Hi After some basic advice given all garages are closed now until next week. Yesterday night going around a roundabout at around 30 mph, rear wheel slipped and I managed to get it back but not before it took a large impact with the kerb. Instantly traction light came on, ABS and tyre pressure fault (not low pressure). Tyre…
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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…
