Recent Discussions

Hi On a visit to the Airport Pub near Manchester Airport. I paid for what I believed was 2 hours parking. However, it seems it was only 1 hour and have now received a parking charge. The machine had a delay when changing the time so it took a couple of attempts to get to 2 hours but I can only assume it changed again when…

Hello, wonder if someone can help me with my understanding. There is a Halifax corporate bond with a coupon of 13.6% https://www.hl.co.uk/shares/shares-search-results/h/halifax-13.625-perp-subord-bds-regd-gbp I have a mortgage with Halifax of £170k at 4.1 Two ISAs (HL and II) with a combined value of £150k. Would it be a…

Microwave switches on then turned off immediately. Double socket radio works but makes a crackle sound. No tripping . Is it due to loose connections or faulty socket. How much to expect for call out? Thanks

Have others experienced what appear to be deliberate delays in processing ISA transfers? I have twice now noticed the NatWest taking the full 15 days allowed in the guidance to process straightforward transfers for which they have been given advance notice. It seems that this may be a conscious policy and if so I wonder if…

so, my wifi speed with sky fell below the 300mbps promised for threes days so now I can now leave without penalty or choose another package. Thing is we’ve been having connectivity issues (ps4 not connecting/glitching, one or more devices not connecting while others do, although speed test showing good speeds etc). I’ve…

I am going to put both floor and wall kitchen units on a stud wall. Does the plasterboards need skimming before the units go in? Or can the units be put directly on the stud wall?

Hi there, we moved in last November and have been unable to read our water meter. The hole it is in on the pavement is always full of water. We were advised by someone at UU to empty and mop it out then monitor it in case there is a leak. It seems to be filling with rainwater from off the pavement but we can't be sure. It…

I'm chuckling as I write this as it's nearly 10 years since I last logged in here. My last diary was titled 'One Final Push' but needless to say it wasn't. I have been in debt continuously since I was at University. Since the fateful day I turned up at Barclays and asked them for an overdraft which was never fully repaid…

Hi all, I was using MSE Gilt Calculator yesterday and I am struggling to follow the comparison to the savings accounts. Let's use the attached example: This Gilt would earn £22.31 return on an investment of £4980 over 45 days (7 Sep till 22 Oct). 1. Take the first 'if you pay no tax on savings': 5.51% of £4980 over 45 days…

In 2024 Mr S was attending an investigation at a hospital which was the cause of anxiety and distress. He parked at the open car park at arrival and walked through the hospital building to attend the apt. There are pay stations on exiting the building so he bought his ticket and proceeded to the car. He had to walk around…

So I got a PCN for Gatwick North drop-off. I stopped outside the Sofitel for about 5 minutes to get some information, then went into the Sofitel car park where the parking was validated. I have the parking entrance ticket. Times24’s ANPR shows entry at 18:42:59 and exit at 20:14:53, but the Sofitel car park ticket shows…

Hi all Helping a friend with a parking ticket He has a LBC from Moorside Legal and I will follow the process as per the FAQ However, we cannot locate an email address to send the response to - has anyone had any experience with Moorside Legal, in this respect? Any guidance or link to a similar situation would be helpful

I turn 55 a week before the pension age increase on 5th April 2028. I’m looking to move my DC pension of £600,000 to a provider with a slick, well defined process to claim the TFLS and crystallise the whole pot before the deadline. Note that it doesnt matter if there are delays in receiving the TFLS as long as I can claim…

What is the cause of this pop up ? I can't stop them from repeatedly appearing - its infuriatingly annoying….

I received a letter in the post at the end of March to say I'd been caught speeding in my car in England (38mph in a 30mph zone). I returned the letter the same day notifying them I was the driver. I've got a clean licence so was hoping to be offered a speed awareness course. I didn't send it recorded delivery stupidly.…

They sent me an email yesterday informing me of a maturing fixed term ISA bond. They gave my maturity options of another 1 year fix at 4%, however on their current available accounts a 1 year fixed rate bond ISA is 4.1%So current customers with maturing ISA bonds are being offered less to carry the bond on than people…

Hi, just after some advice please as I've never claimed anything back tax relief wise. As a support worker I use my own car to transport clients to appointments and receive 45p a mile from my employer. Also, would I be able to claim anything back for needing to have business car insurance? I was just wondering if anyone…

Hello, I need to check three quick points regarding my Will structure for my son who is on LCWRA and Universal Credit. Firstly, the DWP Risk: Under the strict post-2024 DWP guidelines, is it safer to leave my Will as a generic discretionary trust where my son is not named directly ("direct descendants and charities"), or…

This may sound strange .. but anyway, here goes. I usually list as follows (1) Using a template, I write out most of the text on the computer and save it as a draft. (2) I take photographs using a mobile phone ebay app, then save as a draft again (3) Final check on the computer then list it. Today I have listed two similar…

We were with NOW broadband and calls. NOW had told me that their router was not being updated and could stop working. We got a cold call from Sky to change to them. The price was OK and the Sky salesman promised that the landline number would remain the same. I took the deal. Of course, openreach turned up, did some…