-
How to get my tax rebate?
This might not be the right title for this but could not find another more suited to what I am asking.I have been told I have a tax rebate in a letter from the HMRC which I know is genuine but have been unable to get the site to 'recognised' me on their site despite whatever I did many times over. I also rang on a few…
-
Joint Instant Access Savings
I require a joint instant access savings account that is managed via an app, preferably without an annual bonus. It is important that a withdrawal appears in the linked bank account almost immediately. Any suggestions?
-
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…
-
Locking In Annuity Rates?
I have a friend who would be a perfect candidate for an
annuity. No dependents, very risk
averse, no existing DB pensions apart from the state pension. He’s reached the point where he almost certainly
has enough in his pension to fund his retirement, and now he’s looking to
downshift and just tick over until pension access…
-
Debt collectors letter but PCN never received
As title, I have received a letter from Debt Recovery Plus, offering me an exciting opportunity to pay them £170 as I failed to pay a PCN from Gemini Parking, which I never received to start with. I have checked my V5C and it has correct address. I know the letter is not worth the paper it’s written on so will not be…
-
EDF has added a random account & property to my app profile
I discovered by chance last week when logging into the app that EDF has added another account to my profile on the app, connected to a property that I have nothing to do with at all. I can see the full address and the name of the person who lives there, plus copies of invoices. To stress, this property has absolutely…
-
Outfo Energy switch problems
Has anyone had problems switching to Outfox( from Eon)? I was supposed to switch back in September, we're now in January. My Eon account is settled, but each time we get to switch day I receive an email to sat that my DD has been cancelled. When I call customer services, no one can explain why, and then have to start the…
-
Ebay hanging onto my money
I haven't sold on ebay for probably a year so when I sold and posted something this week I wasn't surprised that my funds were on hold until delivery. On reading on here about simple delivery I see my responsibility ends as soon as the item is scanned. So shouldn't my funds be available as soon as that happens ? It's not a…
-
Completing IHT403 Gifts
Hi I have just started to complete IHT forms. FIL gifted £5k to 2 relatives this tax year and has now died. His estate is liable to IHT. When completing the form can anyone advise where I claim on the form the £3k allowable for 25/26 and 24/25 ( he didn’t use his allowance in the previous year) . He was also giving small…
-
Paying into a SIPP when reliant on UC - any advice?
Randomly started thinking about pensions today. I am 50 and reliant on UC for health issues. I sincerely doubt I will return to work so am pondering if I should try and pay into a private pension/SIPP of some sort now to help bolster any state pension I qualify for. Would £25 paid in a month + some fees be worth it? Or…
-
Smart parking dcb legal ccj issued
I've been fight a parking charge for a couple of years various letters from various legal teams ( I have photograph proof the machine wasn't working) I just moved house last month ( been very busy and just haven't updated my new address yet with them) and how found out through a phone call my royal mail redirection hasn't…
-
CGT - Bed & Breakfast Rules
Hi - In tax year 25/26 I undertook a manual Bed and ISA transaction in order to crystalise a gain on an OEIC position below the 3k CGT threshold. Stupidly, a few days later I bought some further units of the same position in the same non-ISA account which I realise triggers the bed and breakfast 30 day rule, resetting the…
-
High Income Child Benefit and Self Assessment
Currently going round in circles with HMRC. Long story short but for the 24-25 tax year my wife earned 64k total of bonus, mileage etc. We received payment for 2 children. So about 2.1k for the year. Of the 64k she has paid about 2.5k into workplace pension. We spoke to HMRC multiple times and because she didn't want to…
-
My experience of buying my first mobility scooter
Just for what it's worth ... Got to the point of needing a mobility scooter, and everybody said "Oh you must go to your local showroom, get expert advice and try some out. What works person for one doesn't work for another" yada yada yada. Which is fine except we don't have a car and the local stockist is nowhere near a…
-
Crafty way to withdraw cash with much lower fee !!!??
If I was to buy my own credit/ debit card reader (£12 ??) and link it to myself, and then used my 0% credit card to pay myself however much (at around 1% ?? free from card reader) and then banked that money and stoozed it for the length of the 0% credit card offer (... or in other words made a purchase - to myself) is this…
-
Instant Gold Coffee
I'm a philistine when comes to coffee, happy with instant milky coffee. For years been buying the Aldi own Gold freeze-dried and never used a full spoon, the last jar I started using more ( i don't think my taste has changed) I had a search and noticed others complaining. Decided as was having an Asda shop would get theirs…
-
Communicating Change of Circumstances with Creditor
Good morning My partner and I are going to be splitting up this year and selling a jointly owned house. I'm going to struggle paying my credit card bills next month. I had my heart set on cancelling direct debits and starting saving for a DMP as they default but reading further threads some people have had success talking…
-
Cheap Energy Club tariff update
"How do I update
my usage or tariff details on my Cheap Energy Club account? To change your
usage or tariff details, log in to Cheap Energy Club. On your dashboard, click the Edit
button next to your address (or click 'Edit' at the top of the results page
next to the details of what you're currently paying). Either will…
-
POP Telecom - Watch out for router charges (With advise)
Be aware, long read. If you are coming to the end of your contract with POP Telecom and looking to cancel or move services elsewhere you need to be aware of a practise they seem to have brought in from around August 2025 which is still occuring. For backstory I cancelled my renewal with them giving 30 days notice as…
-
Extending backpackers travel insurance
hi, my son has been travelling in Asia for 8 months and has decided he wants to stay another 6 months as he has now qualified as a scuba diving instructor. He took out an initial 8 month single trip policy with LV insurance who have been excellent- he has already claimed for a stolen phone and they paid up quickly. They…
