-
Trust Pilot - can they be trusted?
There is a famous Latin quote: "Quis custodiet ipsos custodes?" - which translates as "Who is guarding the guards themselves?"Or to put in this particular context - who is reviewing the reviewers?Most of the posts in this forum about TrustPilot seem to raise questions about whether TrustPilot is pressured or influenced by…
-
Deposit protection
Asking on behalf of a third person. They rent out a flat, the initial rental agreement and deposit protection was organised by a letting agent. This letting agent has since been taken over and the purchasing company are saying they have no details of anything the company they purchased agreed, or where deposits (deposit…
-
Manifesting Money Magnet
Well, hello there, 👋 Be diary, new me! ✨✨✨✨✨✨✨ I'm starting a thread on the mortgage fee wannabe section because that's one of the things I really really really want to be! I have been a member of the forum for over 10 years, rather on and off mind, but had to change everything when I was found out. So I'm back new times…
-
DWP UK Pension payment in France arbitrarily stopped - anyone else?
The DWP international pensions office manager in Wolverhampton wrote a letter to me dated 30 December 2025 which arrived here in France on 17 January 2026. The manager said my pension payments were being stopped from December 2025. The 4-weekly payment due on 6 January did not arrive at my bank. He or she claimed not to…
-
Estate Disclaimers
Hi have a question re Disclaimers on inheritance in following situation: Sister passed away suddenly last year, never married, no children no will - survived by myself & our elderly Mum. So under intestacy rule all her estate would pass to Mum. Mum was in hospital(Broken Leg) at this time & I had PoA for her, so sorted…
-
Short Fill Root Canal
I had this done 4 years ago. About once a year since then, I get a throbbing toothache in that tooth. 3 times it has cleared up after 3 days or so, once I went back to the dentist and he could find nothing wrong. I am currently on holiday in Spain, had the ache for 4 days. Had to go to the dentist who xrayed it and said he…
-
Planning on buying a house with my girlfriend (50/50)
Hi all, My girlfriend and I are planning to buy our first house together this year; my half will be cash (from the sale of my own house); my girlfriend's half will be a mortgage. My Girlfriend has a good job with a good salary, so there shouldn't be any "affordability" issues; the main thing she's concerned about is…
-
How to deal with undeclared rental income from previous years
I’m trying to support my son’s girlfriend. She and her sister inherited a house 10 years ago, which was held in trust before transferring to their ownership when she was 18 (4 years ago). Since then they have each earned approx £7k/pa rental income (before it went to the trustees and they were given money when needed), but…
-
Filling in N9B form for Defence - DCBL
I am about to submit my defence for a parking charge, Smart Parking / DCBL LTD for overstay on leisure facility car park. The venue has screen to enter your VRM, I did this. I have completed the AOS on moneyclaim and I have used the template in the forum to complete my defence statement which includes that I have proof I…
-
Over 700 people die each year from falling down stairs in the U.K.
A friend of mine's husband died a few weeks ago, he had fallen down the stairs, and was in his early 80s. He was perfectly fit when I last saw him, a few months ago, and I don't know the exact reason he fell (i.e. did he slip, lose his grip, lose his balance, etc.) and my friend wasn't there when it happened.An ex work…
-
Santander Easy Access Saver (Issue 1) Limited Edition up to 4.05%
At long last ...
-
Passive investing advice needed - but not with HL!
I'm looking to invest roughly £100 pm in index funds for the long term. I have an ISA with some shares (AIM) with HL, but I don't want to invest in funds with them, as I'm sure I can find better elsewhere (especially after today's email). Just interested in who others use to invest? I haven't decided which funds I'm going…
-
Universal Credit help!
Hi there, I work and I have my 2 year old twins in nursery. I have been paying £226 a month for consumables and Universal credit have been helping me with some of these costs. I have now been told that I cannot claim anything for these costs as they don't help with consumables, this means I am no longer entitled to any…
-
Moving from defined benefit Teacher's pension to defined benefit Railway Pension scheme
Hi all, I am looking for some advice on my work pension. I moved from working as a teacher to the railways around 9 months ago. I am trying to decide whether I should transfer my pension benefits from teaching into my railway pension, or whether to leave it as a separate entity. Pensions confuse me, so if anyone had any…
-
Credit balance refund and billing mistakes
I'm with one of the big energy suppliers, on a dual fuel dd standard rate, have been for about 5 years. At some point a few years back there was a misreading with my gas meter reading (must've been me, since I've not seen a meter reader in about 10 years). It was an over read, so I got billed for too much gas. Never…
-
Sharia index tracker versus global (ethical) equity in workplace pension (USS)
Hi Everyone,Just looking to get some thoughts on the merits of different funds when there is a limited choice within a workplace pension, particularly Sharia versus ethical funds. I am referring to the DC part of the USS hybrid pension scheme, but aiming to understand all of these funds, and their pros and cons. For…
-
Renters Rights Act 2025 - an overview
I thought this article might be helpful in outlining some of the changes being introduced by the RRA 2025. Note that some elements are not being brought into force immediately.
-
Not a full state pension plus a private pension
My wife is turning 70 this year, she has a civil service pension but only a partial state pension because she refused to fund more into it when she finished in the civil service at age 40. So her total pension comes just above the current income tax threshold for paying tax. With the current government plans to ensure…
-
I'm back, still struggling along, still frugal
H everyone, It's been ages I know and the forum has changed, but my posts were getting really boring as nothing really changed very much and to be honest I was getting bored writing the same old things. Anyway I thought I'd start another thread as its coming up to winter and like most basic OAP's I'm expecting this winter…
-
UKPC late delivery?
Hi guys, quick one. PCN from UKPC. Contravention date was 10 January, letter delivered today on 26 January 2026. That is 16 days, would that be classed as late and therefore not applicable?
