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Trust Fund Help
Hi, My Son just turned 18 and My Mum had a trust fund set up. My Son went to the bank to transfer the money to His account, The bank wouldn't do it unless my Mum is their, Problem is she is 80 years old and can hardly walk, So how do I get round this? I also have two younger kids 10yo and 12yo and they also have trust…
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RTS meter - can we carry on using this meter?
My mum has Economy 7 electric heating. She hasn't had a letter telling her that her RTS meter was going to be turned off, and since she has a digital meter I thought it wasn't affected and the RTS box was disconnected. The display on the meter cycles between day, night, total. A couple of months ago the night time reading…
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Merry Christmas and happy new year ….
To you all this group is fantastic, you have all helped me so much this year from my Edf complex metering issues to my new smart meter and switch to octopus I appreciate each and everyone of you who took time out of their day to help and advice me when I was literally going insane trying to navigate a complaint with a…
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Sanity check SIPP contributions and 40% tax threshold
Sanity check please I’ve been mulling over my SIPP contributions as a tax efficient way to reduce tax burden. Long story short estimated combined pension/salary/savings interest/dividends for 2025/2026 of £57500. Will be making a SIPP contribution of £6000 net £7500 gross in January This is where I need the sanity check…
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What do you consider a reasonable annual site fee?
I’m weighing up whether owning a holiday home on a park actually makes sense long term, and the one thing I’m struggling to judge is site fees. I’ve seen parks charging anywhere from around £2,000 a year up to £6,000+, sometimes with very similar facilities on paper. I understand there are real costs involved —…
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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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Retrospective Licence to Alter process
Following up on my previous thread, I’d very much appreciate help understanding how to go about getting Retrospective Licence to Alter from a freeholder. I had gas engineers replace an old boiler with a new condensing boiler in a leasehold flat in a block with a freeholder landlord. The job was to take out the old boiler…
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Does eBay live chat work on a weekend or do they take weekends off?
I have an issue with an item I bought. It's a 2 part thing & the first part was fine but I came to use the second part yesterday & discovered it was broken. I only have a few days left before the returns window closes. I contacted the seller immediately but they're out of office until after the returns window closes. So I…
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The Final Bite of the Cherry- Journey to Clear £66k
I have been here so many times, but I am determined to make this the last. This is not my first diary but the other attempts haven't worked so I've gone for a shiny new one. A bit of background. I have been in and out of debt most of my adult life. I was doing well staying out of debt until this summer when we completed on…
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Sumup Air payment settings
Using the sumup air device and the phone app. After inputting the amount on the checkout page and pressing 'charge' it takes you to the payment methods page where you select the card reader or payment link. Is there a way to remove the payment methods page and make all payment by the card reader only? If you are doing…
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Two business’s under one name
Hi, im a self employed electrician I work for same person all year round they pay my 20% cis. I earn around £65k a year. I also have a car selling business which earns around 40k per year pre tax profit. Obviously these are two completely separate business industries there is no questioning that but as neither are limited…
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Revolut card question
Hi, I lost my Revolut card today. I've re-ordered another one which won't arrive until around 10th December. I am going on a trip on Tuesday to Germany. The card had £14 on it. I've put a virtual card in my google wallet - will I be able to use the virtual card before I get the physical card? I don't want to top up my…
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Lump sum pension advice
Hi guys im just in process of helping my mum sort her pension out. She's currently 65 and will start receiving state pension from april 2026, she hasn't worked for the last few years and hasn't used up any of her £12570 personal tax free income allowance in this tax year. If she was to draw her 25% tax free lump some from…
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Spusu and EU roaming
I've recently activated my Spusu SIM and most things work as expected. One thing that's not clear is what they mean when they talk about EU roaming. I've now talked twice to their CS and they don't seem to know more about that I do. They gave conflicting information and they gave me prices that I can't find in their price…
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Advice on CRA car rejection and insurance write-off
Hi all, I’d
appreciate some advice. I’m in England and dealing with a used-car dispute
under the Consumer Rights Act, now complicated by vandalism and a potential
insurance write-off. I bought
a used car recently. Within hours of collection, it produced heavy white smoke
from the exhaust. I raised this promptly in writing…
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Ambiguity in repayment rules for borrowers with both Plan 2 and Plan 5 student loans
I’m want to highlight what appears to be ambiguity in official guidance regarding student loan repayments for borrowers who hold both Plan 2 and Plan 5 loans. Government guidance states that borrowers with multiple plan types repay 9% of income above the lowest threshold, but it is unclear how repayments are allocated…
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Course attendee wants refund due to absence
I run a course that that runs for a few months, and one person attended for the first few weeks but then messaged to say they were unable to attend due to illness, and would update me on when and if they would be back but didn't. The course was fully booked and I was unable to offer the spot to anyone else. And now after…
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Overpayment of Mortgage Debacle with Halifax
Did you know that Halifax Building Society is now not automatically reducing the term of your mortgage if you make overpayments to your mortgage? Yes, that is correct. They now reduce the monthly amount you pay for your mortgage and not automatically reduce the term of your mortgage as most lenders do. In fact you are…
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International postage options via ebay label changes
I'm not sure if this will make any difference to the majority of us- but this now shows on my ebay label page: From 5th January, Royal Mail International Signed and Royal Mail Tracked & Signed services will no longer be available for sold items. Labels for these services will be accepted by Royal Mail until 12th January.…
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How do I use my credit card?
Hello all - apologies for the rambling. Having a hard time trying to improve my credit score. I’ve been at 0% utilisation on 2 credit cards for 2 years and my credit score seemingly doesn’t thank me for it. I decided to start trying to use them. 10th November - Spent £1,199 23rd November Statement Date - Paid it in full…
