Recent Discussions

We complete on Monday, with the deposit, stamp duty and all other funds already with the solicitors from our current property sale. One of the Barclays mortgage conditions is to clear our existing credit commitments within 30 days of completion. How does this work, and how do we provide Barclays with confirmation once…

Hi, I have only 75mm of insulation and in one area none at all. I use gas for hot water & heating. I was looking to improve my loft insulation, but I was shocked by the quotation I have received. Has anyone else calculated how long it would take to break even? I estimate 10+ years :-(

I have a fixed term savings account with OakNorth due to mature shortly. OakNorth touted exclusive loyalty rates available for extending for a further period. Exciting! I rushed to check them out… How disappointed was I to discover that they offered a whole 0.01% extra in comparison to their advertised rates (and…

Anyone know where i can order a free payg sim from 3 without having to buy any data pack?

I appealed a PCN in a Saba station car park citing POFA schedule 4 didn’t apply on railway land and stating that I wouldn’t be naming the driver and to cancel or issue a POPLA code. What I didn’t know about was an amendment to the Act that allows keeper liability on land previously under statutory control came into force…

Hi, I have a LoC from BW legal for parking in a residential area, there are areas you can and cant park on the street/side roads even before and after signage - very confusing. Anyway the place I parked there was a sign at shin-level (not visible from my line of sight driving in). I have until today to respod to BW legal -…

Hi, I am currently claiming for UC as I'm looking for work after returning to the UK after time abroad. I was made redundant over a year ago and I did make a claim after that, but I cancelled it afterward as I realised I exceeded the capital limit of £16k. That said, because I used a different email address to make that…

I've always used online banking for my ISA with Kent Reliance , I had quite a lot of money in it but now everthing is on their new online service my ISA has zero money in it, evething I had in it has dissppered !!! Has this happened to anyone else,

I telephoned The Job Centre General Enquiry Line. I am so very upset and all I can think of saying is: "Shame on Philip who took my call, shame on him for the way he treated me."

Hi all, I was all set on completing the last major piece of our home decarbonisation puzzle with a quote from Octopus for a heat pump. It was about £3.5k after grant for HP, hot water cylinder, a new radiator and replacing an existing radiator with a larger one. We already have 4.8 kWp of PV, 2x 15 kWh batteries and an EV,…

My low fixed mortgage rate is coming to an end early next year. I plan to make two lumpsum overpayments (allowed without penalty under my contract) before my rate jumps up by 4-5%, but I am a bit confused by Martin's advice not to shorten your mortgage term if you can overpay in this…

I want to have a small balance to use for public toilets and free trials and stuff, making Monese my DODGY card, haha-too true! Weirdly, I had the chance to order a card for free today (maybe my old one expired) I see they now charge 99p for bank transfers. Making what was a nigh on impossible banking product even more…

Hello, On 11th September 2025 I was charged £2760 on my credit card by my fertility company. I believed this charge was correct at the time. On 13th March 2026 they wrote to me and told me that I had already paid this fee during a previous package payment and I had been incorrectly charged. They refunded me on this date.…

I have just over 500k in my sipp. I'm 63 next April. No debts, kids, mortgage, don't go on holidays and don't really spend on anything apart from household bills.No plans for spending in the future. I have a ltd company with no other directors or employees. I stopped taking a wage last year. I already have 35 yrs NI…

I saw a posting on here two weeks ago about freepostcodelottery.com and decided to try it. I couldn't believe my luck as I won £100 on Tuesday of this week. It's a really great site. Thanks to all who had recommended this site. A big thanks should also go to Chris who runs the site. Very honest person who deserves to do…

Apologies in advance for my ignorance in the matter of ISAs. I currently have 20K in one FRCA ISA which will mature on 28/10 this year. I want to reinvest the full amount into a new ISA with a different provider. I will have additional funds amounting to approximately £12500 which I would like also to put in an ISA so the…

hi I’ve sold 2 items to one buyer on eBay, I use evri for postage In my sold section there’s a link for each item sold to get a QR code, so looks like I can’t combine? But I have a email from eBay saying ( Ready to dispatch be sure to group all 2 items). I sold 2 items last week to another buyer (2 separate buys to the…

My dad died on Boxing Day 2019. My Mum received a small lump sum from his civil service pension dated 3/4/19. Instead of putting into last year’s tax year they have put it into this year’s, causing my 88 year old mum to pay tax on it, which she wouldn’t of if it was in last year. I have contacted both the tax office and…

My friend is thinking of renting his flat to a neighbour's brother. His brother is in the UK on a refugee visa. He is an Iraq national and his home office travel document states that he has the right to stay in the UK until 12.08.2026 My friend is happy to rent to him and if he has to leave in August, he will put his flat…

Scenario Husband works full time Wife stays at home to look after disabled son. In receipt of CA and DLA What is the maximum husband could earn to get UC?