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Solar Panel and Battery options for very high energy use family.
Hi, Looking into Solar panels and battery options. We have very high usage over past 12 months we have used 1488kwh a whopping £3,448.95 !!!!! My usage breakdown for feb 2025 to feb 2026 was 7,742kwh day rate and 7059 for night rate. We live in an old property (1850 and extension in 1900 build) so have two roofs with a…
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Bright app, Glowmarkt download and export data
My smart meter measures both my electricity usage (import) and the export from my solar panels. When I look on the Bright app it will show me half-hourly data of both import and export. The same company responsible for the Bright app (Hildebrand) also lets me download my usage data from the Glowmarkt website. But the…
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Inheritance tax (IHT) when you live in a property half owned by wife's children
When my wife and I got wills made out, we arranged it so when either of us died, ownership of that person's half share of our house went to their own adult children, though whichever of us remained could live there (or subsequent property) for as long as required. After that second death, on sale of the house, half its…
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Change to private pension actuarial factors and commutation rates
Hi My private ‘final salary’ pension scheme has recently made changes to the Scheme’s actuarial factors and commutation rates. As a result of these changes my reduced pension on retiring early in 3 years time at 57 has reduced by around £3500 and my lump sum has reduced by £20,000. I have 30 years service The pension…
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Can you get bespoke plants?
Hi there. I'm no gardener but my dad loves gardening. He's got a big birthday coming up and I want to get him something special and I'm wondering if there's any way you can get some kind of hybrid plant - a rose or something - that can be named after him and is unique? I've had a Google but it's a bit of a minefield so any…
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Has anyone made their own pergola?
As the title, has anyone? If so, did you use pine or oak? Currently looking to make my own as even green oak is 30% less than the cost of a pine equivalent from dunsters etc. Thanks in advance!
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Lacquer peeling?!!
help, is this going to be expensive on this golf bonnet to repair?
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Section 75 claim advise
Hello, Have timeline as below. I feel like the bank is going around in circles and putting the onus on me to reach a resolution. In brief sofa's delivered May 25 purchased from high street furniture store. Reported a fault by email and personal visit same day. That began a long process with no help from trader so made…
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Travel Insurance
I have a policy for holidays in Europe for this year, which was the plan. Next year I’m going to need Worldwide cover- so a new policy. But one of next year’s holidays will be finishing in November. I can’t seem to book a policy that will cover that length of time now, but the people doing the holiday want me to pay one or…
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ParkingEye & DCB Legal
Hi there! I've been lurking around the forum for a while, following the guides in the newbies thread etc. So I'd been receiving letters for a couple of years regarding a parking charge from 2019. The company was ParkingEye and solicitors were DCBLegal. A court claim against me was finally issued on 04/03/2026. These are my…
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CNBC - Disabled Parking Bay
Hi, Advice/Help much appreciated. I recently had a CNBC Claim Form sent through for parking in a disabled bay without displaying a BB on private land, the incident happened in 2023 and I wasnt the driver at the time. The driver was parked in a disabled bay whilst collecting a disabled passenger so didn't have the blue…
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National car parks (Moorside Legal Services LTD) Court claim
Hi Seems i have recieved a letter of claim, is this valid, i dont think they would use HM courts. If so just wanted to confirm the next steps, loink to thread. date of service is 5 days after issue date so I must send back by 15.02. Also do I need to put my income and employee details am very uncomfortable with this. Thanks
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Subject: Looking for SIM-only recommendations (Switching from Sky)
Subject: Looking for SIM-only recommendations (Switching from Sky) Hi everyone,I’m currently with Sky Mobile but I’m looking to switch providers as I’m not happy with the service I’m receiving. I want to move to a SIM-only deal and need some advice on the best value options currently available.My requirements are: Budget:…
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VLS60 Income distribution
As this fund went went ex-div yesterday does anyone know what the distribution amount is please? I find it very hard to find this detail. Many thanks
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Beat My Quote! Travel Agents Thread
What’s this about? This is a special thread where you can ask all the Travel Agents and MoneySavers who frequent this board to beat a holiday quote you have and get personalised replies. The idea is to see if someone can beat a quote for a specific holiday; not just a general price. So you need an exact quote. E.g. "I've…
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Self assessment 2024 to 25 late
I recently received a letter stating I need to complete a self assessment tax return. Never done one before and always been PAYE I have registered and .logged in to see the return is flagged as late and a warning of penalties and file now message. Also file within 3 months of date of the letter. How can it be late if the…
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Our Journey to Mortgage Freedom by 2030 🏡💪
Hi everyone, I’ve been reading lots of inspiring posts here and thought it was time to start my own little diary to keep myself accountable (and hopefully help others who are on the same path!). A bit of background: * We bought our house in 2022, borrowing just over £400k on a 5-year fix at 2.4%. * We originally wanted…
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A company called Newday started a direct debit for £0, not sure why.
Hey everyone, Like the title says; a company called Newday has started a direct debit for £0.on my father's Barclays account. He received a text message and email from Barlcays which I then confirmed by looking at the direct debit on the banking app. The company seems to handle credit for businesses so I'm guessing it has…
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Blue Badge appeal
I applied for a blue badge for a family member that has limited mental capacity. They have severe anxiety, can kick off in shops at random times, and are further triggered by things like long queues, busy aisles, dogs, loud cars etc which means we have to abruptly end shopping trips and having the car close by helps. I…
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Scottish Widow's calculation
My Scottish Widows' Pension valuation. My fund value calculations differ from Scottish Widows'. Have I missed something? Could this be due to hidden charges or adjustment For example: SW BlackRock ACS World ex UK Equity Tracker CS8 £23,344.51 13683.77 units at £1.71 each 20122013's total : 13683.77 units x £1.71 each =…
