-
LOVEHOL-DOM
I saw a post on your website and faced similar issues with the same merchant, LOVEHOL-DOM. As the post mentioned, I am in a similar situation. On 22nd July, LOVEHOL-DOM made three transactions on my HSBC credit card: one for £0.30 and two for £750 each. (None of these transactions required OTP verification or triggered a…
-
Moved: Student loan income calculation
This discussion has been moved.
-
Car purchased in last five months from dealer - gearbox faulty
I bought a Nissan Juke from a car dealer at beginning of March. They gave me a three month warranty. They didn't take credit card so I did a money transfer from my credit card to my bank. In July it started making weird noises. I took it to Nissan who diagnosed a gearbox fault. I had travelled less than 1000 miles in it…
-
Our forever home
I'm a new mfw 😊, moving over from the dfw board. We moved into our forever home on 16th November 2020. 90% LTV, 25 year mortgage. We've just paid our first standard monthly payment so only 299 more to go!!! We'd like to actually pay it off a little sooner, but due to home improvements and our saving pot for IVF it's likely…
-
Question about application and CC debt
Hello, I have a question regarding getting my finances ready for a potential mortgage application in the near future, 6-12 months from now. I’ve also posted This in the CC forum I am in full-time employment and over the last few years have also operated a small weekend business online as a sole trader. Over those years I…
-
TalkTalk - changes afoot
https://news.sky.com/story/talktalk-group-picks-bankers-to-spearhead-break-up-13434522 gives details of the breakup of TalkTalk.I have been a TT customer for over 20 years and was totally unaware of this - and am wondering what changes any sale will have on over 3 million customers ?Unfortunately - we are stuck with TT and…
-
Moved: The inevitable pre-budget speculation on pensions
This discussion has been moved.
-
Sainsbury's groceries free home delivery?
I noticed an online advert saying you could get free home delivery with Sainsbury's if the order was over £100, but I couldnt find anything saying that on Sainsbury's website. I currently pay for a Delivery Pass but as my orders are typically over £100 I would be annoyed if I was needlessly paying for that Pass if I should…
-
Self assessment confusion - PAYE for 15+ years yet registered for SA
Hi there, long time reader of the site and forums but a new poster. I hope this is in the right section. I created an online tax account over the weekend to check my national insurance contributions. While doing so I see I have a UTR number and am registered for self assessment. Please note i've been PAYE for over 15 years…
-
How to undo this ceiling light cover?
It has a serrated edge, so it looks as tho' its meant to be grabbed and unscrewed, but it's also thin so hard to grasp. And I suspect it's been painted shut too. Just looking for confirmation that I do need to unscrew that chrome trim? Ta.
-
Inheritance tax - Gifts
Can anyone tell me if gifts (given in the previous 7 years) are treated as part of the estate or seperately which could make them liable for tax even though the estate is worth less than £325000?
-
Tips for not obsessively checking investments
2 weeks ago I took the plunge and converted the vast majority (80%) of my Cash ISA savings into a S&S ISA. The total sum is close to 6 figures. I'm invested mainly in a 80/20 fund and have done my research on volatility, so I know what to expect if there's a crash. I'm in this for the long haul and don't foresee any need…
-
Harpenden BS ISA
I'm looking into opening single access cash ISA 4.31% with Harpenden and looking for information/advice on the following: 1. Transfers in (method and speed) 2. Transfers out (any obstacles?) 3. When was the last rate change? (just wandering whether to expect it to decrease very soon or it is likely to stay until next BoE…
-
How to prepare for mortgage application?
Morning all So we want to put our one bed flat on the market early next year and port the remainder of the mortgage across to a new property. We will be needing all funds we can scrape together for this move (I am allowing enough for stamp duty, EA fees, Solicitors ect) I have two questions Is the fact we have never missed…
-
Yopa charging for not using there solicitors when selling, is this right?
We just a valuation yesterday and everything went well. Shortly after the Yopa agent visit they sent us an e-mail with the packages they offer to sellers. However below the packages was this line "If you wanted to pay upfront and use your own solicitors, you would need to add £250 on to each package." Firstly I've known…
-
Default/Debt advice
Hi All, I’ve made a real mess of my life these last few years and got myself in a financial disaster. I don’t want to go in to specifics but I have made the right steps to getting this sorted for the sake of my family, before I had all the right intentions but none of the will but that has changed now. I have about £36k…
-
Vat on downloaded software from outside UK.
I downloaded some pc software from a USA website, and 20% vat was added to the price. Is this correct, and does the vat automatically go to the UK government? I'm not quibbling about paying it, I'm just curious to know how it works.
-
Giving away stuff for free - timewasters !!!!!
Had 5 very large (3ft x 2ft) patio slabs to give away last weekend. Thought if someone else wanted them and it'd save me paying someone to take them. I'm sure some people see FREE and want whatever it is....... I put in the advert in big letters - THESE ARE VERY HEAVY. YOU WILL NEED TO PICK THEM AND LOAD THEM YOURSELF…
-
ESE Solar no longer providing Flexi-Orb or MCS certificates required for Octopus Feed In Tariff
Post sales, ESE are the most obstructive and unhelpful company I have ever had to deal with.Despite all the promises that getting on an Octopus Feed In Tariff would be straight forward, and their system was tailored for it. After seven months ESE will still not provide the required certification, and say they are not even…
-
How to get Alexa to...
I would like to listen to past Radio4 programs but can only get Alexa to give Radio4 live. I get past programs easily on my phone but not on Echo show and speakers.
