-
Help! £54K debt, DMP process and defaults.
So I have the following debts: Virgin credit card: £9646 (interest free period expires next month) Lloyds credit card: £6464 (paying standard interest rate) Santander: £5098 (paying standard interest rate) HSBC: £6198 (interest free period expires next month) M&S credit card: £ 3143 (period expires 6 months) Halifax credit…
-
Nationwide finger print biometrics
Have Nationwide stopped using finger prints to log on ? Mine stopped working a few days ago and I am unable to set up a new fingerprint
-
How or do I pay tax return?
Do I enter 278.80 in bit below? I've submitted return
-
Debt Management Plan
Good afternoon all, I hope this finds you well - sorry if i have not posted this in the correct place. I have broken up with my partner for the right reasons, however we had credit card debt which was solely in my name so now i am lumbered with it all. It's around £40,000. These are made up from several credit cards. After…
-
Where to buy physical Gold/Silver Bullion at Market price?
Hi, Looking to buy from a reputable place/website, preferably at market price or cheapest prices not asking price and do I have to pay VAT? Discount available for bulk purchases? Also which website abroad is reputable if abroad is cheaper and what taxes am I liable for importing? Basically looking to buy at the cheapest…
-
A training company took a deposit and says it is non-refundable
A business training company has talked me into paying a £1000 deposit for a training. The date was supposed to be the end of March, beginning of April this year and I was available on those dates - the sales person knew about it. I also told the sales person then why I am not available on other dates (I am a wedding…
-
Holding Deposit not returned, dealer blew a gasket!
Just before Christmas I saw a car at a dealers. There was little time to look at it in detail at the time but enough to peek my interest. I did an online car check that evening and contacted the dealer the next day to arrange a further inspection and test drive. We couldn't arrange a date prior to Christmas but said he…
-
Single trip vs annual cover
Hi, Apologies if this answer is hidden anywhere (i'm unable to locate this). Basically, I'll be taking an overseas trip from 17th July to 16th August (however, the return flight is overnight and so lands on the morning of the 17th August). The trip is 31 days, however if I count the day I land home, it's 32 days. I'm…
-
Cont based ESA help needed
My husband has ben on cont based ESA in the support group for years. We get no income related top up as I work and no rent help. On sat he recieved a P45 through the post saying his benifit ended 16/1/26. His last payment was 14/1/26. There was no reason for this, and no letter to inform him of why, just a P45. His next…
-
Detailed builder quotes vs much cheaper estimate for extension
We have planning permission for a single story front extension of 40 sq m, partly replacing a side garage, to include bathroom, dining room and utility room. We have sent detailed plans from our building regs app to three builders. All have great online reviews and have provided contact details of previous clients. The…
-
Aegon & flexi access drawdown - anyone done it?
Hi all, I plan to drawdown some pension in the reasonably near future. I would like to use flexi access, adhoc drawdown i.e. every now and then I sell some of my funds into cash, crystallise them (maybe by moving them into some sort of "drawdown" account), then transfer into my bank account with 25% of that being tax free,…
-
Annual Travel Insurance Policy
I received my annual renewal policy today for £1561.95 inc Tax. This included disclosed existing medical conditions such as BP etc for myself and my wife After using the comparison sites I found I can take new policy out with the same disclosures, cancellation costs etc for £686.00 That is a saving of £875.00 year on year.…
-
PCN
Hi guys, I need some advice. Last November I received 2 PCN's through work. They are dated 13 days apart but were issued to myself via work on the same day. The site I was on has a private parking company that monitors the parking. You can park on site by using a QR code. The residents have these QR codes and they are in…
-
Government State Pension Contact Phone Number?
Tried calling 0800 731 0181 then states I have phoned an incorrect number. Anybody have a correct number please.
-
Removal from assessment
Completed the necessary form and received the email from HMRC to say request has been submitted and they will confirm if successful in writing. SA deadline approaches and I've not heard anything. Should I be worried?
-
Royal Mail Complaint Email Address
As an alternative to their complaint webform this can be used: customer.service@royalmail.com The advantage of email is you can include/attach screenshots and/or documents such as receipts. After sending it you should receive an automated reply confirming receipt of your email with a unique reference number.
-
Kimplus8 needs her mortgage free date!
New thread to begin my mortgage free journey. I started my mse journey almost a decade ago on the debt free board feeling like I had a mountain to climb. Here I am debt free except for a mortgage, determined more than ever to have a mortgage free home for me and the kiddos. I can wait to buckle up for the ride x
-
Trying to understand whats going on here?
This concerns a private members society here in the UK. To avoid any copy-rite issues or any forum rules regarding posting content I'm anonymising some of the details. I'm just trying to understand why/how this is happening on a technical level. This refers to a private members society concerned with a niche area 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…
-
Tennant's in common
Someone I know who's wife has had MS for over twenty year recently had a 5 Day stay in a care home organised by the NHS at no charge. After this event the couple decided to apply for Tenants in Common and had a new will drawn up . I suspect that if care costs are required in the next few years the 100% of the property…
