-
Any suggestions for cool pillow?
Hi I've started to develop rashes, probably hives caused by stress or high blood sugar. The worst areas are around the neck and top of shoulder, parts pressed against the pillow as I sleep on my side. To be really difficult I need good neck support so the pillow needs to be tucked under my neck, which of course makes the…
-
Faulty Ovens and warranty
Hi all, hoping to get some advice on 2 Samsung ovens we bought in London back in March this year, which we then took to our sumemr house in Italy. Our kitchen renovations were delayed so we did not get to actually install the ovens until July. When installed, we used them for about 1 week and one of the ovens started to…
-
Pension Lump Sum Charges
I have a private pension and want to draw down my tax free lump sum but my provider says I have to pay 3% of its worth to them for mandatory/statutory advice that I really don't want. Do I have to pay this?
-
Online greeting cards, which one to choose?
I've been using paper cards for birthdays greetings and some
celebrations, but lately they have raised the prices a lot everywhere. Put on
top of the search of a proper one that fits the occasion, and I'm a little fed
up. Thinking about start using online cards for some upcoming events but not
sure which one I could use,…
-
Advice to take out IVA or set up agreements with creditors ourselves
My husband and I have a total of 65000 unsecured debt ( credit loans with accrued interest and personal loans) we have a mortgage and second mortgage total of £92000. we are keeping up with all priority bills and insurance for house. But we are no longer able to keep paying all our credit cards . We have ben paying minimum…
-
Beauty Advent Calendars 2025
Hi all, MSE Olivia here. Are you considering buying a beauty Advent calendar this year? If so, would you buy it for yourself as a December treat, or would you split it up for presents? If you've bought a beauty calendar in the past, I'd love to hear your thoughts on it! I've shared my analysis on the real value of 10…
-
Incorrect Redemption Statement (Selling Property)
Hi there, Seeking advice for what looks to be an inaccurate redemption statement: The mortgage was issued 01 Jul 24 for approx £540,000.09. The redemption statement received (approx 15 months later) shows the redemption to be higher than the original mortgage. Balance as at 01 Jan 25 £538422.17 Early Repayment Charge…
-
Hotel Gotham afternoon tea - booked months ago at advertised price, now they want us to pay more
Hi, as the title says. we booked afternoon tea at Hotel Gotham months ago using a BuyaGift voucher. The voucher code was accepted when we booked and the person we spoke to booked us in. We've now just had a call from them to say that they will be charging anyone using vouchers, an extra £10 per person due to the fact that…
-
C.U.P Enforcement - 'Parking' in a 'No parking area' - CNBC Claim form stage
Good evening you legends, I hope you're all well. I've come with a query regarding a NTK which was received recently. I'll be sending the online appeal tonight, or first thing in the morning, so it falls within the 28 day period (beginning day after the notice was issued - lots of life admin has kept me from doing this…
-
Has anyone recently applied for a mortgage with Aldamore?
Just wondering if anyone has recently applied for a mortgage with Aldamore and how long it took to receive your offer? We applied with with our broker on 17th September after being turned down by another lender. The wait is simply excruciating! Although things have moved fairly quickly. Process time frame so far: 17th -…
-
Statute barred debt (Credit card) from 16 years ago...
I have a statute barred debt (Credit card) from 16 years
ago. After ignoring text messages, phone calls and the occasional letter from Capquest
for many years, I recently started receiving calls and letters from ACI, who are
working on behalf of Capquest. I then received a letter from Verity, who are
working on behalf of…
-
CCJ from parking fine
Hello, I've been reading the NEWBIE CCJ strike out threads. Just found out I had a CCJ to my name which was filed on 03 Nov 2022..... Don't ask me how I only realised a week ago - I'm a cash buyer type of buy, never deal in credit so my poor credit score never came to light. I only just managed to notice it and do a credit…
-
I never learn- waiting on a facebook collection -again
Having vowed never to try and give anything away again on facebook - i relented and offered up a small item of furniture that's far too good to throw away, it's also on freegle and similar places. Listing showed lots of photos , full measurements (inches and cms) , a part post code - plus the usual no delivery available.…
-
So close I can taste it …
After 2 years of hard saving, a lump sum from one of my pensions and a little help from mum & dad, I’m now within spitting distance of paying off the mortgage. 🥳 Just need another 5k, which I should be able to save within about 6 months. This feels like the last lap and I’m ridiculously excited 🤣
-
Scam alert - Chase/Metro fixed savers and ISAs
Hi All Received this through the post yesterday. Rates looked too good to be true, so I checked with Chase and it’s definitely a scam. Pretty convincing though. Hope this helps someone.
-
Confusing response from Aegon re right to retire at 55
Hi, Im 49, so believe I will miss the right to draw from my pension at 55 should I wish to do so. Back in April I contacted Aegon to ask if my old group personal pension had a protected retirement age. I forgot to look for a response. Ive just found it and I am confused. There response Thank you for contacting us. In…
-
DWP Debt Recovery from estate
Hi everyone, I have received grant of probate for a recent bereavement. However have now received a letter from DWP (RELB26) asking for "information about the estate with details held at the time benefit was paid" and a form asking for a lot of the information I already provided when doing the probate application. After…
-
Under paid income tax 2024 - 2025
Had a letter from HMRC, who have advised me that I have underpaid income tax by £637.60 Income - £49582.91 Deductions £312.00 - (unknown - edit now known as Job Expenses ?WFH allowance) Tax allowance - £12570 Taxable income - £36700.91 Tax Paid £7340 (correct at 20%) Adjustments - £1168.20 (unknown - edit under payment…
-
Spreadsheet Championships
https://www.bbc.co.uk/news/articles/c1jz083lz6xo I bet a few on here would love to take part. :D :D
-
Green Homes Scheme - invitation letter
Just received a letter, addressed to the 'homeowner' from a private company called "Green Homes Scheme", the name of which sounds exactly like the Government's scheme. The letter offers up to a £4000 grant to upgrade our current PVs from 250w to 450 w, which will apparently "not affect your FIT payments", with the upgrade…
