Recent Discussions

Are all Credit Card companies happy if you have your Credit Card in credit? I spend a couple of months overseas in the winter, and for a long time I have added around £1000 onto my Halifax Clarity Card, and use that when purchasing goods, supermarket shopping etc. without any problems. I have became very dissatisfied with…

I've got a quote but I've found that I am unable to alter the number of days unoccupied, it automatically comes up as under 30 days. I realise that this will cover most requirements, but I can't believe there aren't many others like me who require a longer period to cover holidays. Can this be changed?.

Hi - I bought an Ex-Demo, high-Spec VW Passat Estate (GTE Hybrid) in Jan 2023 for around £38,400 from a VW dealer. I was shocked that, after owning the vehicle for a year, the road tax shot up to £640 per annum. This is something I did not see coming. Has anyone else been caught out by this ? Essentially, I am being taxed…

We bought a cabinet from Victorian Plumbing which we later returned as it was not required for our bathroom refurb. sent back via ParcelForce, Victorian Plumbing claimed the item was damaged on return and sent images saying we needed to speak to courier to get money back, We did not believe we had claim against the courier…

Say that I have SIPP above the old LTA (Life Time Allowance). Also say that I crystallise enough to receive the maximum tax free cash - I believe that it’s called the LSA (Lump Sum Allowance = 25% of old LTA). The crystallised amount less the LSA is put into a drawdown pot by my SIPP provider (AJ Bell), for later…

Hi fellow MSE’s, I’m sure someone will be able to help with the following, and thank you in advance to anyone that can help. Currently purchasing the remaining shares of our shared ownership property, and trying to work out how much SDLT that should be paid, and so far our solicitor has not a clue, with a chocolate teapot…

I need urgent help, if anyone can give advice! I got a letter in the post two days ago from DRP stating that I have an unpaid parking charge from 07/01/26 even though I never received the first letter and I am sure I paid the charge? I checked my bank account and I can see two payments of £5 (£10) made to APCOA Manchester…

This might be in the wrong category, please move if it is. My mum died recently, lets say 28/8/26. She used to complete a self assessment return and pay tax. How do I (as executor) deal with 06/04/25 - 05/04/26. I obviously can't do the usual Return. I assume there is a special form/return in these circumstances. Does…

Hi all. Has anyone come across this website? My fixed term deal is coming to an end in about 3 months and I've previously used an idependent mortage advisor but saw this and wondered if it had any credibility.

I'm getting very confused helping someone with their Self Assessment tax return and the state pension. Firstly, although everything seems to say the pension increased 6.4.26, it actually seems to increase the next full week, not mid week. In other words, if a pension is paid Thursday - Wednesday, the uplift is effective…

Hi, my father-in-law passed away in the middle of February and I took over paying the electricity direct debit at £50 per month. On March 2nd the meter was changed. Looking back through his bills I would say he hasn't had a "proper" bill since October 2024. he/we have been paying the direct debit each month and his balance…

I’m trying to return an item I bought from a UK-based company under distance selling rules. The company has accepted this but has told me the item needs to be sent back to the manufacturer in China using tracked delivery. The item was £60 and to return it will cost £22. Does anyone know if they’re allowed to do this? Seems…

Is it worth getting a mortgage broker? I dont forsee any difficulty getting a mortgage base on my finances and the amount im looking to borrow. Not sure if it would be quicker for me going directly to the lender or getting a broker involved. In the past ive always gone direct to lender but wondering now whether a broker…

If you're flying with Ryanair from Wednesday 12 November, you'll no longer be able to use home-printed paper boarding passes. We explain what's changing and how this compares to other major airlines... Read the full story: 'Ryanair flyer? Home-printed boarding passes won't be accepted from 12 November – here's what's…

Hi everyone, My solicitor submitted an application to HM Land Registry in March 2026 following the completion of my property purchase, and it is still pending. I have contacted HM Land Registry several times, and they keep giving me the following update: "The caseworker dealing with your application has needed to refer to…

A friend asked me to post this, and if any of you lovely people could offer any thoughts; Does a full withdrawal from a New Zealand KiwiSaver scheme by a UK-resident individual, who became UK resident in September 2019 and has never received UK tax relief on KiwiSaver contributions, constitute taxable foreign pension…

My wife works part time and is a carer for me. Last year for 5 months she picked up a couple of extra shifts to cover someone's maternity leave which unknowingly put her over the limit to receive carers allowance. I was looking over our UC statements to see when it would be payed off and noticed that for the months we are…

I know I know, this probably been on here a millions times! My gf parked at a play centre with her newborn she went in and parking was meant to be free at the centre, but she didnt key her reg in. So should she pay? Or go to court. We emailed the manager at the venue and he tried to contact the parking fine scum but they…

I saw an advert recently for a SumUp Personal Account: https://www.sumup.com/en-gb/personal/cashback/ From what I can see it's 2% on supermarket spend (could be of interest to those jumping through Chase's hoops to get the same) and 0.5% elsewhere. If the retailer uses SumUp then 5% is awarded (tends to be smaller…

Hello everyone, I’m new to the forums and looking for some advice on tackling my overgrown patio. I hope it’s okay to ask here. I’m 30 and this is the first time in my life I’ve ever lived in a home with a garden so I have absolutely no idea what I’m doing. Please be gentle and excuse my ignorance - I am totally winging…