-
0% Balance Transfer or Loan?
Hi All, I've been in debt for a while and honestly I've not managed it particularly well largely due to various external factors. I've been offered voluntary redundancy at work which would pay me out roughly £50k and I intend on taking it at the end of the year with the view of finding another job. My question for you all…
-
Do I need a SIPP?
I am about to turn 48 and having paid a small amount into a pension every month for the last 27 years, I'm now actually starting to properly think about retirement. As it stands I have c£10k in a workplace pension and c45k in my own one. I have around £140k in saving, over half of that is spread in various cash ISAs. My…
-
Is anyone buying from Rit Concept before?
Is anyone buying from Rit Concept before? I want to buy a dressing table from them. Also, anyone have a discount code from them that I can use?
-
Covenant
We live in a residential property, originally back in 1968 when the land was sold to build the properties (6 in a row) the land owners put a covenant in to say no pigs or poultry to be kept on on the plots or any election of a building to house such animals. Not huge gardens at all but our neighbour next but 1 has decided…
-
Is weilai concept Legit? I am looking to buy a table from them
Is weilai concept Legit? I am looking to buy a table from them. Is anyone buying from them before?
-
What to do?
I have recently become mortgage free so I have a bit more money to play with. I currently put away £400 a month in 2 accounts and have £4k sat in a Santander high interest account. I reckon I can afford to save another £200 to £300 a month. I've also been tracing all the pension funds I've acquired from various employers…
-
HMRC letter says I tried to pay Class 3 (voluntary) contributions - I DIDN'T!
Received a letter from HMRC dated 04/07/25 saying "Our records show you recently tried to pay Class 3 (voluntary) NI contributions for the tax years 2006-2021. You couldn't make these payments because of a service problem we had on 5 April 2025." Whilst I may well have been looking at my NI/Tax accounts online at some…
-
Help please
Hi. My mum died some 9 years ago. Probate didnt take too long but still it has not been finalised. To make matters even worse, it is my late fathers firm of solicitors who are dealing with it. There are 3 executors and 2 of my 3 siblings inheritance is in trust, complicating things. I have already complained to the `Legal…
-
Scottish Power Takeover scam
My wife was approached as a Scottish Power shareholder by an American caller asking if she wanted to sell her shares to a secretive buyer who is trying to take over Iberdrola, who own Scottish power. The story is that the buyer wishes to remain anonymous until s/he/they have acquired enough share backing to launch a…
-
Home Energy Feedback
I'm sharing my experience with Home Energy, just for information purposes. After a short 4 month relationship, I don't feel comfortable with them and have already changed supplier. Whilst invoices are being produced with correct information, signing in to check my account online to view invoices etc, many of the entries in…
-
Government finds 'systemic failure' with solid wall insulation fitted under GBIS and ECO4 schemes
Read the full story: Government finds 'systemic failure' with solid wall insulation fitted under official schemes – here's updated info if your home's affected If you haven't already, join the forum to reply.
-
Barclaycard freedom reward points.
As anyone else fallen foul of the closing of barclaycard feedom reward scheme. I was contacted by e-mail in February to say scheme was closing and we would be issued with new cards. From that day I have not received any further communication , either by e-mail , letter or notification on my log in page. In late May I…
-
National Insurance Contributions - Has anyone actually got through to speak with Future Pensions?
Hello. I realise this may have been raised already (by many!) but has anyone managed to speak with someone about purchasing missing gaps in their National Insurance? I registered for a call back in March - received two "robotic sounding" phone calls during April and May asking for my DOB and National Insurance number - was…
-
Fly tipped waste including asbestos on unadopted passageway
Hello I recently discovered some fly tipped waste which includes a sheet of asbestos in the passageway running behind a row of houses. I reported it to the borough council, who have said that as it has been there for a while, and is on unadopted land, they bear no responsibility for removing it; it is the responsibility of…
-
ABTA Arbitration - do we have a chance?
Hi all, I'd appreciate your opinions on my ABTA case against Jet2 before I pay the £150 arbitration fee. We took our baby on our first family holiday, a 'family-friendly' package that cost £2k but the hotel wasn't as advertised. The main issues are that Jet2's website advertised "2 restaurants" and a "pool with a…
-
External cladding- what type? Insulation?
This is the front of my home- we had a garage conversation about 20 years ago, wanting to add some cladding , on to it to make it look better also to add sound and heat insulation. Some of our neighbours have had Fortex- Naturclad-Hardie Plank fitted to their properties , unfortunately non of them have a garage conversion,…
-
Nationwide CC. DD payments, please check your DD with your bank.
hi, we both have a NW CC on a 0% offer and each pay by DD. noticed a couple of weeks ago 2 new NW DD (one for each) appeared in our list. so today is the 1st time a payment was due on either since i saw the new DD. todays DD has come out of the "new" DD set up a couple of weeks ago. it has a reference set up which appears…
-
Pension credit suspension
My husband had his pension credit suspended without us being informed. We found out when it was not paid into the bank. We found out that it was because I had not claimed my pension at the end of may because as I don't think I will have anything. We have told the council because of our housing benefit and council tax. I…
-
State Pension Entitlement
Hi, I have just received my state pension letter , and it's below the forecast , which was the full state pension . I have 43 years of full NI contributions. I did retire 4 years ago after taking earlier retirement. My understanding is you need 35 full years of full qualifying contributions , however i am being told its…
-
Secure Parking Solutions - failed appeal. Do I have hope?
Hi everyone, (using ChatGPT to make this easier to read) I’m looking for advice on a private parking fine I received shortly after moving into a new flat. It was issued by Secure Parking Solutions (SPS), and while I’ve already appealed and been rejected, I’m now deciding whether to escalate it to POPLA. Here's the full…
