-
Travel Disruption - Advice/Tips on Claims etc.
We have been impacted by the situation in the Middle East. Our travel disruption soon pales into insignificance when compared to a very real plight people caught up in the conflict are facing. We're looking for advice/tips for dealing with all the elements for quite a big trip. We've never claimed on travel insurance, I…
-
MSE News: Got Sky TV? Why you still can't cancel penalty-free if it hikes your price mid-contract
If you've got Sky TV, Sky can put your price up during your two-year contract without telling you what rises to expect before you sign up AND without letting you leave penalty-free. Thought this kind of thing was supposed to be banned? So did we. But our investigation can now reveal that Sky is exploiting a surprising gap…
-
Urgent advice. DMP now or default first. Please help on a plan
Hi everyone, I’m new here. I’ve been reading
through posts over the past week and can relate to so many of your stories. I
thought it was time to share my own situation. Thank you in advance to anyone
who takes the time to offer advice — I really appreciate it. I’ve read that it’s often best to
let your creditors default…
-
Disability & Unsecured Borrowing
To lay out the facts. Aged in 50s, forced to leave work last year due to declining health and stubborn employer. Live alone, I have recently been placed in the support group for ESA. Only 3% of people ever return to working from this group. it's highly unlikely I will be one of them, given my health issues (physical). I…
-
Wood floor to carpet diy advice please!
I am having a new carpet fitted in the lounge which has 2 doors (to kitchen and hall) where a laminate wood floor is fitted. Though this wood floor is laminate it is quite thick and has a lip on one edge. My problem is it does not go right into the door openings (been badly fitted) where it will meet the carpet so I am…
-
transfer of inherited property
Hallo, My dad died in December and left his flat to me and my 2 siblings. It's worth about £140k. We intend to sell it. We just got probate so I have looked into notifying the Land Registry of the need to change ownership to us as beneficiaries which I assume is a pre-requisite to being able to sell it. I have already done…
-
Mira Excel Exposed Mixer Shower
I have a Mira Excel Exposed Mixer Shower installed in 2016 and it has gradually needed the temperature control increased over the previous months. At first I thought it was just because it was winter and the cold water was colder but I noticed that if I turned the flow down it would get hotter and also the hot pipe into…
-
Never a good time but here goes..
Having lurked on and off for a while, it was about time to commit. I’m 38 and about 7 months pregnant so instead of traditional nesting in the form of cleaning, I seem to have resorted to financial nesting instead. My mortgage was originally for 25 years - fixed for 4 then reduced by 3 years when I switched to a new deal.…
-
Flying solo
I previously had a diary (well actually I've a few) but in June I had a big life shift which meant I disappeared for a while! I've had a few attempts at trying to pay off debt, made great progress and then progress stopped and the debt increased again. But this time I seriously mean business and I am determined to get this…
-
Another simple delivery price change?
Anyone else noticed this? List a large letter/<1kg item at (seller receives) £100.00 and postage is £2.70. List it at £100.01 or more and the postage jumps up to £3.42 That presumably corresponds to the royal mail compensation limit of £100 for tracked 48 so I guess ebay are taking some extra for 'insurance' themselves.…
-
Single occupancy rate.
Solved but can't find a way to delete thread. PSA though, you have to ask for it.
-
Verbal Offer agreed but changed at the last minute, what are my rights.
Good Morning, We were in the process of negotiating for the purchase of a new house. We were going to use the House builders part-exchange scheme. They offered us £290K for our house initially. We turned this down and they came back with a £295k offer. Again, we turned this down. Then they called and said that they could…
-
Lease extensions - marriage value abolishment
When will Marriage value be abolished when renewing a lease and what is likely to be put in place instead ? Will it be cheaper then to renew a lease? open
-
CCJ Advice
Hello all, looking for some advice on a CCJ we recently found out about (hopefully this is in the right part of the forums for this, please let me know if it would be better elsewhere!). In a nutshell, we discovered in Feb that a CCJ had been taken out against my other half for debt accrued on the ground rent on a flat he…
-
Premium Bond Winner ?
im interested in winning premium bond holders , or not as the case may be , please post your winnings and holding as well as length of time held , i have a theory that newer bonds win more prizes , id prefer not to make this a discussion area of that arguement but i would be interested in your winnings just a bit of…
-
Need fresh eyes on my budget!
Hi all! I'm starting a brand new diary to break down my current situation and take a fresh look at things - what I was doing isn't working 😳 About me... I'm in my forties (late forties but we'll not dwell on that!) and live alone in a rented housing association house. I've had a very unstable period in the last six years…
-
DCBL Fightback
Hi All, I'm drafting my response against DCBL against a PCN issued in a hospital parking for going beyond 1hour allowed time. To cut the story short, the delay at the hospital was due to the actual appointment taking longer than usual due to additional tests. I appealed to PALS as per the forum instructions and also…
-
DBCL Claim Form- Does my defence sound ok ?
Hi, Further to my earlier post, this is my defence. Does it sound ok and do I need to add anything else? DEFENCE * The Defendant is the registered keeper of the vehicle in question. The Defendant denies liability for the entirety of the claim and puts the Claimant to strict proof of all aspects of their claim. * On the…
-
Leaving current mortgage early consequences
Hi all, I’m after some guidance on my mortgage situation and the potential consequences of switching early. My current fix with Nationwide is 0.94%, ending 1st November 2026.By the time the fix ends, I’ll have roughly £69k remaining. I’ve been looking at First Direct, mainly because they allow you to lock in a rate up to 6…
-
saye shares & CGT
Hi, I'm retired but have a sizeable amount of money in shares, saye shares through my employer long time ago. I have know wish to do anything other than cash them. My question is; do I still have to let HMRC know through self assessment if I sell shares with CGT below the £3000 limit? Is it only if CGT exceeds £3000 you…
