-
Travelled with a friend who hasn't settled expenses
Hi everyone, I travelled with a friend in December to Asia and she has not settled her side of the expenses. She told me when she gets back to London she will be moving house but I don't know her new address - she's been ghosting me ever since. Total amount £350. I have the splitwise app which shows how nuch she needs to…
-
When to take LGPS pension
I am due to retire 21 March, my NRA, I would like to know if it is beneficial to put off taking my LGPS pension by ten days so that I get a full year of service as my final contributing year. I have an in house AVC that runs with my pension and want to take this tax free when I take my LGPS and want to make sure I don’t…
-
Tv sound not working properly
I have a smart tv which I bought from AO.com in November 2023. A couple of times it’s had no sound, this has fixed itself within a couple of days with no intervention from me. I’ve woken up this morning and the sound is super loud and distorted, as though its underwater. I’m hoping it will fix itself like before, or…
-
E-ON Failed Smart Meter Installations and Tariffs
I am currently on the E-On Next Pledge Tracker which runs out Jan '26.. but... I have had 3 failed attempts to install Smart Meters with either non working, the Electic only or the Gas only.. no communication from E-On since March 25 about this. How do I know whether to Fix (on some old readings), continue with the Tracker…
-
OS Daily Sunday 31st August
Very early good morning to you all. I am a bit bleary eyed I went to bed around 7 and I did not sleep at all just tossed and turned till the alarm went off, it’s going to be a long day of travelling but it will be worth it once we get there. We are away for 16 days so see you when we get back, try and keep the place tidy 😬…
-
PLEASE HELP!!! I have a PCN (Private, not Council) situation
Hello everyone, hope you're having a great weekend. I’d really appreciate your advice on a PCN issue (private, not council). I only found the Newbies’ thread after I’d already reached the Letter Before Claim stage, so I’m now trying to catch up and understand my options. Summary of my situation: * I moved into a flat last…
-
Removing name off title deeds
Hi I am named on my parents property title deeds as I was named on their mortgage as a name only I never paid towards it, the mortgage is now fully paid. does anybody know how I take my name off the deeds? And how long this usually takes? I don't know where to start!
-
IHT 403 gifts
Has anyone noticed today's article by Mike Warburton (tax expert) in the DT paper ?He says that gift relief for 'Normal Exp out of Income' applies first, even before the Annual Exemption is claimed.He says this, simply because this is what HMRC say in their own manual IHTM14132 (and that is indeed the case).Now this is the…
-
Transitional protection report changes help
hi I have a relative who has just been awarded UC and it’s got a transitional protection of £260 per month Because he was migrated from ESA to UC .He lives in a council property and has a rodent infestation as well as had sewage leaking from his toilet and the smell is very bad. The council want to move him into a better…
-
New Style ESA application
Hi all As per my other thread, I applied for New Style ESA online. This is a different topic really, so started a new thread, and it's a basic question. As per below, I was meant to be contacted by 16 August, which passed two weeks ago. I followed all the instructions, had to send in my fit note via snail mail as the…
-
Argos faulty item policy
So purchased a item on 24/7/25 delivered, I'm bedbound and disabled and only just tested item as a present, doesn't work Just spent 51 minutes on phone telling me to call manufacturers as past 30 days, I can't get it picked up by Argos because they need a refrence from manufacturer. So I told them I'm not calling…
-
Partial Retirement Tax
Can someone please help me understand my tax codes and if these are correct. I took partial retirement and reduced my working hours by 20% in July. Reduced annual salary is: £63,598.40 and pension is £19,741.56 per annum. Pre-PR tax code was 1263L and first month’s pension (tax code 1257L) was £1276.69. Second month…
-
Unusual mortgage situation, please help!
Hi, just wondered if anyone can help or advise. Me and my OH are wanting to buy a house together and have 81k in joint income, my OH has a shared ownership property that he's selling and we will pay any remaining debts off with the equity, might have 1k in credit card and then a 5% deposit for a new home. Our credit…
-
Unusual mortgage situation please help
Hi, just wondered if anyone can help or advise. Me and my OH are wanting to buy a house together and have 81k in joint income, my OH has a shared ownership property that he's selling and we will pay any remaining debts off with the equity, might have 1k in credit card and then a 5% deposit for a new home. Our credit…
-
Can I apply for probate without filling in IHT400
If my husband passed everything to me when he dies, as stated in a will, do I still need to complete IHT400 as there will be no inheritance tax to pay? Can I apply for probate directly? I have read the IHT400 notes but still feeling unsure.
-
What Can I Do With Leftover Leylandii Logs? Thanks
What can I do with these Leylandii wood pieces? Any brilliant ideas to reuse them as decoration in the garden? Or are there ways to dispose of them? I recently removed a row of Leylandii from my land to clear space for fencing, since the fence and the Leylandii couldn’t really coexist. The tree surgeons took most of the…
-
100-baggers going cheap
Intended as a bit of fun There's been more than a few 100-baggers (& then some) this century. I guess we all know the companies but we could talk about Pharma, Bitcoin, AI, other things. I'm not opposed to a fun portfolio and actually even the soberest of citizens generally concede that up to say 5% in such a thing is an…
-
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…
-
M&S Sparks rewards
Im loyally scanning my sparks cards when I spend my hard earned cash in M&S but not sure I've ever had any good rewards as a result? Random discounts to things I cant buy in my FoodHall... anyone else in same boat? Im just gonna stop scanning soon. First world problems I know, but I'm interested if anyone is finding this a…
-
Old second hand furniture
Hey guys, All the furniture we own is either new, or upcycled from owning from new. We're looking to get a bedside table for my daughter which I can upcycle, but I have no idea where to start looking for one! Ideally something old that's not flat pack and has decent construction. Just looked at bhf on ebay, they had sort…
-
British Gas - Fixed Energy Tariffs
My fixed tarfiff ends in Sept - currently paying £221.63 a month, British Gas want me to move to a new tariff paying £250.85 per month, if i do not select the new tariff they will automatically move me to £263.74 per month. My account is currently £271.72 in credit, so it is a clear to me that I am currently overpaying at…
-
Smart Parking notice
I have recently received a letter from Smart Parking about a parking charge for staying between 17:19 to 21:06. The contravention happened on 09/08 the date issued is 19/08 and I have received the letter in the past couple of days I had paid for Parking and even extended my parking ticket by purchasing additional time when…
-
Stepchange DMP, payments
I have applied for DMP with stepchange, I have given 3 different payslips as my pay can be different each month as sometimes I do get offered overtime, but this isnt to often, how will they average my pay? Will they look at my highest payslip and go by that or go by my lowest wage earned?
-
Cheap Energy Club - price cap periods for 'current deal'
MSE's Cheap Energy Club, under the heading 'Your current deal', is showing the projected total annual cost based on the price cap period April - June and NOT July - September. This makes comparisons between the current deal and the alternatives (which are July - September) less accurate. Is this due to be updated?
-
Quick PayPal tip I discovered today
I'm new to the forum so apologies if this needs to be moved to a different topic. I looked up and down the list and couldn't figure out where to put this tip/bit of helpful info. I use PayPal a lot and recently signed up for a 95p one week trial of some software. Looking through the t&c about cancellation, because I used…
-
never seen this before
A residential property in our area is been offered by an established estate agent with an asking price of £245000 . It also advertises the fact that it has already received an offer of £200000 and anyone wishing to offer more should do so in writing. Anyone ever seen this type of sale before and also if the displayed…
-
GIA transfer to GIA and how "In-Specie" works?
I've been reviewing my messy GIAs reference filling out self assessment tax form and it's confusing, but think I'm getting there. However to reduce hassle ongoing, I'm looking to transfer one GIA provider in to my GIA platform. I can easily find any great information on how my CGT calculations are handled. My plan is to…
-
BW legal , Threating to taking me to court
So, BW has sent me a notice to pay British gas bill of 1700 that I didn't use. I never was British gas customer before February this year. I lived in a room for a two three months that was above a shop. I used to pay 200 pound a month that included the rent and energy bills as well and I shared the room with another…
-
Leaseholder Section 20
HI, hope someone can advise please. I have a leasehold flat (block of 43, lived here for 5 years) and have just been served a section 20 for "Urgent" works from the management company. OK I understand that I get 30 days consultation but three days later I receive an invoice (based on estimate) for payment within 15 days.…
-
Bought second hand car from garage
Hi where do i stand on this. Sold as seen and my fault or can the car be returned? It is missing a parking and media feature that was advertised The advert was on auto trader prepopulated When i collected and mentioned the parking feature, having noticed when driving feature, I asked them and they said sometimes the advert…
-
Interactive Investor account - promos
Does anyone happen to know if their referral links can be used in conjunction with SIPP cashback deal which expires tomorrow? They are closed at weekends otherwise I would call them and ask! Thanks
-
Faulty goods from the supermarket, supermarket say go see the manufacturer.
Curious whether this is legit actually. I guess it must be because you'd expect them to get it right but I also suspect people here will know more about it than the supermarket so here I am. Basically I bought a multipack of 7up cans from the supermarket. I've had a few out & when I went to get another I noticed how light…
-
FIX - better BEFORE or AFTER October 1st, 2025?
Our dual fuel fix always expires just before the new October price cap.I've seen a suggestion that for the October 1st 2025 new price cap, it might be better to fix after the new cap comes in.Could that be right? And why? Any advice very welcome.
-
MIF LTD company director earnings
Hi everyone, I’m trying to get clarity on how the Minimum Income Floor (MIF) is applied for directors of a limited company (who are considered gainfully self employed) under Universal Credit. Here’s an example: * Company income: £3,000 * Business expenses: £1,000 * Director’s PAYE salary: £1,500 * Profit left in company:…
-
GroupNexus PCN - Buzz Bingo Brighton
Hi! This forum has been of great help with information to dispute PCNs. I (the hirer) was informed of a parking charge by the car rental company and have since then received a notice from the parking company as well. Here are some pictures of the notice: From what I understand, this is a Notice to Hirer, even though their…
-
Bank credit FCL TRUST CLIENT SETTLEMENT
I had a few payments under <£100 into my bank account under this title: "Bank credit FCL TRUST CLIENT SETTLEMENT" I have no clue what it is and where is coming from... !? Without giving much personal info I have no loan or mortgage, only shares and investments, and no dividend scheduled to go into this account... I called…
-
GIFTING MONEY TO HELP WITH DEPOSIT
My daughter and SIL are buying their first house and I am
gifting them £6000 to help with the deposit. Can someone tell me why I have to jump through so many hoops
to gift them this money. I have to provide to their solicitor the following: My last six months payslips The last six months bank statements from the account…
-
16 year old DLA to PIP
Another query, I have alot going on at present with benefits. Does anyone know or had any experience of the above? If so, can they do a paper assessment or does everyone have an appointment? I have sent everything in as I do not know if they use the information from DLA award. Plus I have new evidence for the PIP form. An…
-
CGT calculation on GOV.UK
I have an investment portfolio that made a capital gain of £6142 in 24/25, I had losses totalling £10350 in the two previous years, all reported on my SA return. I have completed (3 weeks ago) my SA for 24/25 and carried forward losses from the previous years to set against the £3142 that would have otherwise been liable…
-
RWG. Everything fine.
Allthough iv been fine on my NOW sim, according to RWG everything good