-
Recommend a finances planning website/app/chart
I'm trying to plan out a 10 year period of time, that shows current finances, plus additional finances that are coming in 18 months time, and again in 8 years time. And also show interest expected in that time. But also shows a monthly outgoing. Ideally I'd like to show it/plot it in months. Obviously all figures will be…
-
Microsoft 365 Family Subscription
Hi, What is the cheapest way to renew my subscription to Microsoft 365 Family? £79.99 via Microsft. £61.99 via Amazon. or is there a better option?
-
I cannot understand this website
Having placed a notification this morning in regards to a credit card scam, the whole post now seems to have gone missing for some unknown reason. How do you place notifications and then find them again?
-
Halifax/Lloyds down?
Anyone else having problems with online banking?
-
New Sky Contract including super fibre broadband
Hi, ive been on to sky this morning to supposedly negotiate, lower the price, on a new sky tv contract which was set to increase from £53.50 to £61.50. This is just for signature and the sky sports package. However the rep asked about my broadband with landline which is with Now and is £32 p.m and said he could reduce this…
-
Halifax zero balance transfer is a joke
I regard myself as quite savvy when it comes to zero% balance transfers I've had a Halifax credit card for some years which I used occasionally for purchases and always cleared balance. One of my other cards zero % offer was coming to a close and rather than clear the balance I decided to move it to a 12 month 0% transfer…
-
Big purchase. Any credit cards out there with bonuses/cashback/vouchers/air miles etc?
As the title suggests really. About to undertake a Reno project on a house we're in the midst of purchasing... Some big and spenny things underway. Does anyone know of any credit cards that may give back for using them? Thanks in advance!
-
Faulty boots, shop asking me to jump through hoops
Hello and thanks in advance. I purchased a pair of boots in early April 2025 to use for stable/yard use and trail type walking. They were £124 and advertised as waterproof. The label in the tongue says waterproof. I've worn them about 12 times, and each time my feet have been soaked. I initially though it was my feet…
-
Civil Enforcement Ltd. PCN
Dear Forumites, First, I would like to thank you for the brilliant and important work you do to educate motorists and stop parking ticket scams. I have received a PCN from Civil Enforcement Ltd. and usual letters from DCBL.The last one from DCBL is "Final notice of debt recovery" and is dated 17/06/2025.Below I enclose the…
-
Ways to reduce standing charges on half-hourly meters?
I’ve just moved my business into a new premises and discovered it has a half-hourly meter installed. Our electricity usage will be very low, probably under 2000 kWh a year, but I’m being quoted standing charges of at least £13 per day, despite going to several suppliers. I've also talked to the energy broker we've…
-
Conned by a Car Check
Whilst looking to purchase a used car, I downloaded a report on it. The site charged £5.95 which seemed reasonable for peace of mind. 3 days later they took £39.90 as a ‘subscription’. I complained that I hadn’t signed up to anything and wanted a refund. They have refused on the grounds it’s clearly stated on their website…
-
Secondhand Vehicle - Seller Denying Responsibility for Problem
I purchased a 3-year-old Tesla with under 14,000 miles from a main dealer (not Tesla) and at the time of purchase, I noticed a minor creaking noise. However, after driving approximately 5,000 miles over the past three months, the creaking has worsened considerably. Following an inspection by Tesla, it was revealed that the…
-
Civil Enforcement Ltd - Letter Before Action Address.
I have recieved a Letter Before Action from CE Ltd and it states to return the form (in my case, the letter modified with the aid of Post 2 of the stickied thread) to the address of the business on the letter. However, there is no address on the letter except that of where to send the cheque. Should I use this same…
-
Car breakdown issues directly after garage service - garage not taking responsibility
Summary: I recently got my car serviced and very soon afterwards my car started to break down. The garage have examined the car and are not taking responsibility for the issue, and I am being faced with a hefty repair bill. I would like some advice on how likely it is that the garage that performed the service is at fault,…
-
Dilemma, Dilemma, Dilemma
Hello, I've been on MSE for many moons, gone through debt repayment and many challenges but this one feels the absolute worst. I'm kind pre 'mortgage free wannabe' but also needing the comfort blanket of a good ole MSE diary. So current situation, co-parenting with Ex H. We both have partners and everything is friendly. We…
-
Use TFLS to pay off Mortgage now or in 5 years - how does the maths work?
My thinking is that withdrawals from my DC pension are effectively taxed at 15% (assuming I don't go over 256k of TFLS) so I would need the funds in the pension to grow 15% faster than the interest rate on the mortgage (lets call it 4% fixed) for it to be better to keep the mortgage. So if I can get a nominal return of…
-
Defining a second home.
Question re: Second Home definition. I live abroad where I pay money to rent a place. Back in UK I was letting out my flat but tenant now left and I am in charge of council tax. But the council have sent me a bill outlining the costs - it regards the place as a second home!!!!! And so the council tax is a whopping double.…
-
Car Insurance : Zero no claims years for second car ???
I just bought a second car for the first time so now we have two cars and I want to insure the latest one. Am I correct that I should submit zero years no claims bonus when I go to Go Compare for quotes? i.e. is it correct that my NCB years on my first car don't count for a second car.
-
25% tax free?
I am 55, have 1 pension pot with Standard Life which currently has £200k in it. I have no intensions of retiring early at the moment, if I take out 25% (£50k) and pay off my outstanding mortgage which is around £50k, I will continue to put in £2k a month to it & say my pension pot grows to £400k or £500k will I pay tax on…
-
Giving up Life Interest to Pay Other Beneficaries
Hi all I was a life interest beneficary in a property which I shared ownership with my wife as tenants in common. She died in 2022. This has now been sold, and I have bought a new home using my own funds and I did not require the trustees to help me with buying my new property. A solicitor has provided the following advice…
