-
Travel insurance claim
My parents booked a holiday and 5 days later my dad's brother died unexpectedly. I have been supporting them to cancel the holiday and deal with the insurance. his brother lives abroad and they intend to go to the funeral. I have managed to get a copy of the death certificate which I have sent to the insurance. They said…
-
Sky 10%/CPI increases
In the last 12 months I had the price increase in March plus a £5 discount expired in September. Im fairly certain this hasnt breached Skys own 10% maximum increase (or the CPI if its the higher of the two). I'm I right in thinking that? My minimum term contract started in late February. I checked with Sky who stated that…
-
House Clearance firms
Hopefully in the final throes of selling my late parents’ house. Proposed entry date of end of October. I have cleared most of the contents but what is left now are the bigger furniture items so need a house clearance done. I’ve got three quotes with a huge difference in price. First one was just over £1400 and would take…
-
Water supply pipe insurance
Hi I am looking for some insurance to cover any possible future leaks and repair for my external water supply pipe- from water meter (near the road) to my house. I would want some insurance to cover for a company say, like Water-link, to come and detect a leak underground and repair it-if it occured. Can that be covered by…
-
MSE Guide - Electric vehicle energy tariffs
Hi all, We have new Electric vehicle energy tariffs guide, and we'd love to hear your feedback. If you haven’t already, join the forum to reply. Thanks for your help, MSE Andrew
-
S&S ISA or 5 Year Fixed Cash ISA
I'm looking to give my daughter £20K to put into a ISA as funding towards school fees when my 5 year old granddaughter reaches her 11th birthday. I was looking at Castle Trust Bank, 5 year Fixed Cash ISA at 4.22%. I have thought but not seriously considered the Vanguard LifeStrategy 20 fund as an alternative. Has anyone…
-
Purchased a 3piece suite on December 18th. By the 3rd January the sofa broke.
Bought a 3 piece suite of two chairs and sofa 18th December 2024. By January 4th 2025 the sofa broke. Complained and asked for refund but they sent a Technician out to repair it who went on to order a new piece of material to cover the broken seat. This arrived the wrong colour and then the technician admitted the seat was…
-
Next Door's Cheek
My Dad recently passed away. He let his neighbours keep their hot dog van on his drive for 'a few weeks', (t was never moved or used, they just stored it there), it must have been there for about 5 years now, but he said he didn't mind. We are now in the process of sorting his house and want to get the estate agent around…
-
Underpaid tax
Hi, I'm probably due to pay some more tax for 2024/25. PAYE income + pension reckon I have underpaid by about £7 Interest on savings exceeds £1000 personal allowance and I reckon I need to pay another £60ish. I have been into my tax account on HMRC/ gov.uk and message there saying I have paid all tax due for 2024/25, the…
-
Bespoke but not to me
Hi there, apologies my first post on here is asking for help but I am at a bit of a loss I ordered bespoke blackout blinds and curtains via a local tradesperson. We asked for them to be fitted outside the window recess to the blind maker and the designer, who commissioned her. Unfortunately when she delivered the blinds…
-
Pension fund tax free lump sum then drawdown.
I have two finals salary pensions and on death my wife will get 60% of them. My wife will also inherit my pension fund of £270,000 (current valuation) that is untouched. This will be tax free as I will die before age of 75 unless there is a medical miracle cure to my blood cancer. We have own house worth about £500,000…
-
Capital losses (CVA) on Debenture held in Abundance Investments
I'd just like to run this past the helpful people here. I had a £10k investment (Debenture) in a uk plc, which had trouble during covid and spent a long while in administration and has now (July 2025) completed its Final distribution and Administration conclusion. I received a very small final consideration as part of the…
-
What's the equivalent of foreclosure in the UK?
Was watching a lot of stuff about the 2008 housing crash recently and I find it all quite interesting. It kinda passed me by at the time I was in my 20s and also didn't own a home or anything and basically I wasn't interested :-). Is the jist of a foreclosure simply that the lender gets the house back, sells it, then takes…
-
Notice from Lease Company re. PCN
Hello all, We have received a letter from the company we lease a car from, stating that they have received a PCN in relation to the car we hire and giving us notice that they have 'made a representation' to the parking operator (Parkmaven) and that Parkmaven should now reissue the PCN to us. The lease company have included…
-
Parents selling the house to us
Hi myself and my partner are FTB. Her parents are planning to gift us £5000 towards the deposit. They have now suggested us buying their house. It is probably worth around £300k (I would probably have the house valued for accuracy) but they have offered it to us for around £270k. I am aware that we could use this 10%…
-
O/S Daily Friday October 25 2025
Good morning folks.
-
will cooperative check I'm still employed for new fixed deal with them
I have a mortgage with Cooperative which is coming to an end soon. I have recently gone self employed. I am booked in for a mortgage advice appointment with them to look at the rates available to me. They have sent me a Pre-appointment Mortgage Questionnaire and it asks about my employment. Will they check if I say i am…
-
Payments on account not deducted from Tax Return
When I submitted my 23/24 Tax Return, as well as paying my tax owed for the year 23/24, I also had to pay two payments on account for the year 24/25. This is the first year I have had to do this. One payment was due 31/1/25 and the other 31/7/25. I paid them both in good time (one before January 2025 and the other by…
-
Octopus Warm Home discount
What exactly is the criteria for group 2 warm home discount? We have an old terraced house (1890)our 19 year old receives UC+PIP but isn't named on the bill. Husband and I don't claim UC but we received the £150 last year
-
ReduceMyExcess Policy Wording
I'm about to use ReduceMyExcess, but before I go ahead, I'd like to understand exactly what they mean by this clause in their policy wording. It seems at odds with the idea that I'd be able to claim back for any damage to the hire car: any claim where the Rental Excess or cost of Damage has been paid in cash or the amount…
