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Small Business, Big Debts
Hello all Debt free wannabes! :) I posted on these Forums over 10 years ago, and it made such a huge impact on my (successful!) attempt to get debt free, but a LOT has changed in the last 10 years, so I’m back again! The accountability and kindness I received back then was invaluable to me, so I hope to bring some of that…
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Mortgage Overpayment Query - life Insurance
I have recently lost my husband unexpectantly, we overpaid our mortgage substantially, when the life policy was paid it asked the question, does the money paid out cover the outstanding balance? If we hadn't had overpaid it wouldn't have done, I do not really understand how it works, do I speak with the building society…
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Vehicle/Van Rental
I'm asking on behalf of a friend. They would like to hire a van for 2-3 days, they don't have a credit card, which based on everything they have tried so far feels like it's mandatory to secure a rental. I was under the impression, if you paid a large deposit upfront, i.e. they rental company was paid this as security, and…
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Auto glass unable to claim full replacement cost from insurer
Daughter had windscreen crack after lorry threw up a stone. Booked into Autoglass (only option within 25 miles) but have told her insurer is only paying £150 towards £850+ cost. Insurance schedule says fully comp, with windscreen cover, and in t&c says they will repair/replace windscreen… then I found (elsewhere on…
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Swatch
I see that there are crowds outside Swatch shops, trying to get hold of a £300 watch. I see Swatch watches on eBay with asking prices of £2500. Are they the same watches? Are people really that daft as to pay nearly 10 times list prices?
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Full fibre for my new house - I'm losing my mind...
MSE comparison tool shows Sky Full Fibre Gigafast 900Mb and Vodafone Full Fibre 910 (among other 900ish options) available for my new address. So does Topcashback. Ofcom Checker says 1800/1000Mbps, "Networks in your area - CityFibre, Virgin Media, Openreach" My order through MSE failed - I finished it and received all…
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How to solve this toilet connection
Been living in my house 14yrs never had a problem before but in 5 months had 2 rats come up from sewer pipe into the downstairs toilet pipe and chew through the flexipipe. The reason the plumber did a flexipipe is height difference between the pan and pipe on the wall which is cast iron and sits lower. Note this is toilet…
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balloon payment
I have a balloon payment of £6,000.00 coming up in September. I would like to keep my car but cannot afford to pay for it outright. however, 2 years ago I went on an IVA but excluded my PCP. I have never defaulted on my payments (5 year agreement). Can I get a friend to take up the balloon payment on finance since I cannot…
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Index linked gilts and index linked annuities: are you moving money into them, yea or nay?
There has been a dramatic switch around in the real redemption yields on index-linked gilts recently (see my chart at end of post). The return above inflation available for an index-linked gilt bought today if held to maturity is for example around 1.5%pa for the 2048 maturity, compared with around minus 2.5%pa back in…
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Portmeirion
Staying nearby in June and planning a visit. Anyone been who can advise whether we'd want a whole day there or a few hours? Trying to decide whether to book a meal with one of the hotels that offer free entry or if we'd be better paying the admission to have longer. Also, has anyone eaten at the Portmerion hotel or Castell…
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BT Billing Me for months After Switching to EE — £300+ Lost and No Resolution
Hi all, I’m hoping someone here can help or share any similar experiences. Back in March, BT offered me a great deal to switch to EE (which they also own). I accepted and received my EE equipment on 26th March, with services activated the same day. Initially, everything worked smoothly, but it didn’t take long for issues…
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Electronic Greeting Cards or E-Cards recommendations
I send many greeting cards every year and because of Royal Mail unreliability and the cost of postage I am looking for an alternative electronic version. I wonder if anyone uses electronic cards and if you would mind sharing the details and the cost per card or for a subscription.
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Luggage delivery services
I'm old enough that dealing with luggage is an effort, though I can manage if necessary. I live in London, and Airportr seems a decent service, reliable and not too expensive, for taking my luggage from home to Heathrow and putting it on the plane so I only have to bother at the arrival end. But as far as I can tell they…
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Probate / Will Query
First time executor here, feeling a little daunted. I am executor along with my spouse ( Executor B) for a good friend who passed away recently. The deceased's estate is well under the IHT limit. The deceased was married and their residence was held as tenants in common 50/50 with their spouse They ( the deceased ) left…
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TSB £200 bank switch starting 13th Jan 2026
Hi, TSB has launched a new switch incentive campaign today rewarding those eligible with £200 Terms and Conditions https://www.tsb.co.uk/current-accounts/switching-bank-account.html "If you’ve received an incentive or benefit for switching to TSB Bank plc using the Current Account Switch Service since
1 October 2022,…
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Taking private seller to small claims
Hi, I purchased a car from a private seller a week ago and had to take it to the garage in 3 days. My partner test drove the car and said everything was fine and we purchased it. The car had very sticky gears to which the seller advised she was used to it but the garage said it was fine and not a problem. I later wanted to…
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Mortgage clause help damp/timber survey
Offer accepted, mortgage has put clauses on and confused re exactly what they mean, solicitor directed us to estate agent, estate agent confirmed seller not willing to pay anything but is happy for us to... Mortgage clause attached. We are OK with getting builder for work on ceilings between exchange and completion, going…
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Visited car park twice in 1 day - letter only showing first and last
Hi, just received a fine from APCOA at Bristol Parkway stating that I entered at 8am and left at 9pm, with pics of car. That's fine I did, but I also left at 810am and then entered again at 845pm. I have done this loads of time before. I dropped my partner off to catch train in morning and picked her up in evening. What…
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Names added to deeds of inherited house but don’t remember signing anything.
10 years ago mum (widow) had my and my sister’s names added to her (owned outright, freehold) property deeds. We have the Land Registry document (but no other relevant documents) which has all three of us listed under section: ‘B. Proprietorship Register’; ‘Title Absolute’ However, we have no (and apologies if any of these…
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Preparing for Winter V
Official MoneySavingExpert.com Insert: If you've come through to this discussion from this week's email, welcome to the MSE Forum. You've joined our Old Style MoneySaving forumites chatting about how to prepare for winter. Read below, read the last few pages of the discussion to see their most recent posts and click…
