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NEW FEATURE: Get sent trending Forum threads by email
Hello fantastic Forumites! We're excited to announce a new feature that has recently gone live on the Forum for all our users - a regular round-up of trending Forum threads delivered straight to your email inbox! Simply head to your Notification Preferences, scroll down to Email Digest, et voilà! You can choose to receive…
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Salesforce Authenticator App
Opening a Progressive Account this morning had no choice but to download this App as I don't use WhatsApp. Having downloaded it and used it I can see no way to log out of it. Am I missing something? If I was to uninstall it would my account still be linked to it. Many thanks
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How are individuals officially nominated as candidates for corporate board seats?
Does this occur prior to the next annual general meeting (AGM)? I believe some companies have a nominations committee, typically comprising the board chair, vice-chair, board members etc. Do institutional investors with enough voting influence proffer names, does the nominations committee hire an outside company to present…
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Connect my iPod to new Honda?
The iPod, old model no bluetooth, works fine in our old car and I have tried changing the lead but when I plug it into our new Honda hr-v it charges but will not connect to play. So frustrating as our "travelling" music is on it.
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Another post IVA issue
After successfully completing the IVA I honestly thought that was it. VWFS have finally caved and cleaned up my credit report. I managed to rent a flat, and open a current account… I received yesterday a letter from Reston’s Solictors, who it seems work for HSBC, saying that they placed a charge on my house, before the IVA…
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BT Digital Voice and Carrier Codes
Last year BT sold me on switching from analogue to digital voice. Now I look to use the international call services such as 18866 and I discover - unlike with traditional analogue - BT Digital Voice is able to not support connection via these carrier codes :smirk: money grabbing 'make it difficult for our customers'…
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DEFENCE CLAIM
Hi lovely people, please I need help with this letter which i have uploaded here. I just received as I do not clue of how to go about this defence claim because I am new here. Kindly please help with the expertise of the forum to deal with this . Any help and support will be highly appreciated. Many thanks all.
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I'm not getting alerts sometimes when another poster has quoted me
As the title states. Thanks.
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Moved: Finding A Reasonably Priced Adverse Credit Mortgage Broker
This discussion has been moved.
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Finding A Reasonably Priced Adverse Credit Mortgage Broker
I'm happy to annouce come September 2025 I will be 2 years discharged from my settled IVA. I was fortunate enough to have my parents settle my IVA early. I think it will be around 2028 when it will leave my credit file. I currently own my home and looking to move after September, I am lucky enough that I have enough equity…
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Cheap Energy Club - postcode entry not showing my property
I'm trying to log into my Cheap Energy Club account and need to re-enter the property address. When I enter my postcode, the drop-down list shows the various properties either side of mine in the terrace but not mine. What can I do to resolve this? BTW I've successfully used this comparison account before over the years…
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Cctv ethernet cable flashing orange and green?
Hello all We have cctv and we have a three modem and also a sky modem. When we connect the ccrv ethernet cable to the back of the sky modem there are no lights at all and it works fine. But I wanted to connect it to the back off the three modem as its more reliable but it flashes green and orange and the lights are very…
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Range Cooker Suggestions - Rangemaster out of stock everywhere
I am looking to purchase a new range cooker and have been looking at 2 in particular Range master and Stoves. I thought I has made a decision with Range master but looking at the web site these are ALL virtually out of stock so may have to switch to Stoves. Does anyone have any comments about them. I really wanted sturdy…
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I am a landlord by inheritance - wow
By accident of interlocking wills, I find myself receiving a small three figure annual rent on my share in a few acres of agricultural land. Believe it or not this situation has been created by the Married Woman’s property act, the general abandonment of primogeniture, with an intestacy in the mix. I am told that my 1/8 th…
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Investing spare cash within LTD company – risks of losing trading status?
Seeking collective wisdom of the forum. Going forward, it looks like I will have a relatively large surplus of cash sitting in my LTD company account (myself & wife owners/directors). The company provides private medical services (VAT exempt). I am keen to invest this excess cash in equities longer-term. I have an…
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Over £100,000 salary, reducing tax
Hi, My wife earns around £70k basic salary a year but her bonuses through the year 24/25 took her to £110k so I assume we can expect a tax bill? She has a pension that is salary sacrifice does that reduce what we pay? Is there a way I can work out our liability? Other question is, we don’t know how much bonus she will get…
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Extortionate admin Fee (Cleaner)
This morning I enquired about having a cleaner from this company 2 hours every week @£15 an hour for light dusting and hoover Then quite sneakily I had to tick a box that hadn’t been mentioned in the web site or small print i understand there will be 26% admin fee added to your bill each month :o This is day light robbery…
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Small combi that does low temp so doesn’t cycle
Hi im looking for a 24kw ish combi thats approx £800 that will be used to heat two rooms. Im after one that won’t cycle loads so grateful for recommendations!
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ECP / DCB Legal LOC 3
PCN: 29-11-23 ZZPS LETTER 8-08-24 GCTT LETTER 19-08-24 QDR LETTER 28-08-24 X4 DCBL LETTERS LOC 3-06-25 This is the final LOC in a string of PCNS issued over the past few years.
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Lyca mobile - unlimited call package. Can’t make calls
We have a Lyca Mobile PAYG contract for daughter who lives away from home. She has exceeded her data usage for the month, which is fine. However it seems to have blocked her making calls and sending texts too. The plan is for unlimited calls and texts. She doesn’t have access to make internet calls through WhatsApp and…
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O/S Daily Sunday 15th June 2025
Good morning.
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NICs shortfall rates - paying years 2019-2020 to 2024-2025 later on
Hi everyone, I got the letter from HMRC (after sending in CF83). This gives me 31 days to pay the years 2006-2007 to 2018-2019 (inclusive). For the years 2019-2020 to 2024-2025 I can pay later but the sum to pay (rate) would be subject to a penalty (e.g. the rate for 2020-2021 would be 795.60 if I pay in the next 31 days…
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Wine in big bottles
Hello my mother buys big wine bottles and occasionally opens one and one glass becomes a whole bottle and waking up the house at 2 am having finished the whole bottle. Then regretting it next day. If I drunk beer I wouldn't buy a 5 pint bottle, I'd buy 250/330ml bottles and have one at a time. Why can't wine be the same so…
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Huge rennovation.
Partner's dad has sadly passed away, leaving his home to his son. It's in a good and wealthy area but the house is very old and fairly broken. Tbh, it needs gutting. Rewiring, new central heating as the water tank is half hanging out of the loft into a room due to water pressure probs!), new ceiling in 2 rooms, 6 new…
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Leasehold 103 yrs
Would like some opinions regarding a flat 103 yrs lease brother is buying. Will it be better if he asked the solicitor to ask Islington to grant a 999 yrs or is it better if he waits for the lease reform to see what will happen? There is no urgency. Thanks
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Having Difficulty withdrawing money from Virgin “easy access” f flex isa
Can anybody tell me why Virgin’s systems keep telling me I’m over my payment limit and refusing to make a transaction? My total taxable earning for this year is only going to be about 15k so I figured I could move the £25k emergency fund out of the easy access isa into a newly opened Chase account with the bonus saver rate…
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Which WiFi gadget please
Help please. We have a garden room that has a wired ethernet cable running to it. But phones and devices can't pickup the WiFi from the house. Can anyone link to a device that you plug the ethernet in and it creates a WiFi signal? I tried a TP links one which has ethernet (IN) and antennas, but it doesn't work, and…
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Changing an old style L1 L2 L3 light switch
Hi , l am changing and old style L1 L2 L3 double light socket to a new BG Nexus L21 L22 light switch and trying to confirm where all brown wires go into new one
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Just changed supplier and fixed rates after International developments
I know it might take some time to feed through, but I thought it might be a good time to fix energy rates now the cost of Energy has increased. I think the advice was to fix before this. I've changed to Ovo's 1 year fix which includes gas boiler service/repair.
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Need to sell rental property
I am now a full time carer for my very poorly husband. We have decided it would be wise to sell a small property we rent out as it is just one more thing to worry about. It is mortgage free. We have a tenant in there on a rolling tenancy. Help, where do I start? I am aware that very soon new laws may come in but I just…
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Solar Panel and Battery Quote Advice
Hi, I'm hoping to get some advice on quotes I'm starting to receive for solar panels and battery storage. For context, I'm replacing both my petrol cars with electric vehicles and the household electricity consumption is 3400kwh. This will obviously increase significantly when both cars appear. The quote I have received so…
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Maximum tax free lump sum
I’m currently 55. I’m fortunate to be due a lump sum of about £190,000 from my NHS pension age 60. I no longer pay into the NHS pension (I now work in the private sector) but am saving into a DC pension and hope to have around £500,000 in that when I retire at 65-67. I’m aware that the maximum tax free lump sum that can be…
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Landlord tax
I am currently set up on HMRC as doing a yearly self assessment because I have a second home which I currently rent out. In Jan 2025 I paid HMRC advance payment I think it’s called but my tenants are now going to be leaving on July 8th 2025 and I’m going to be selling my second home. I’m wondering how do I go about telling…
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Insurance details
There are various questions asked when you take out motor insurance. I have a Vivaro van, last year the insurance cost £290 and this year the cheapest quote is £350They ask if its sign written, no, they ask if you carry tools.Surely everyone carries tools, to change the tyre etc. Do they mean power tools, which is why some…
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Natwest - Bereavement money transfer
Hi all! My family has a bit of a sticky wicket at the moment and while I can see the obvious resolution, this is not something that has been proposed by the bank so it's left us a bit concerned. Sadly a few weeks ago my father in law passed away, it took a bit of time to obtain the Death Certificate due to the Bank Holiday…
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Seeking Advice - Investment - Balancing Risk and Reward
Investing My Pension Lump Sum - Seeking Advice! Hi everyone, I’ve recently received a lump sum from a final salary pension that I literally started in 1987-1995! It was sitting there all those years, and seriously couldn't have come at a better time in terms of triggering, as I have been up against a wall finanically for…
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Flexible ISA and Investment Question
First of all I will say that I am well aware investing should be for the long term. I have a S&S ISA already but the question I have here is more specifically with regards to what is allowed regarding the ISA allowance. If, in one Flexible Cash ISA there was £80k, built up from multiple years, and another Flexible Cash ISA…
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Governments 5 year 'full rent' options for landlords to house asylum seekers. Question.
Can a landlord evict a long term tenant to join this new scheme?. I was speaking to someone today who said she had received 8 weeks notice to leave the property she has been in for 18 years. The agent has said that the house is not going up for sale but that the landlord is going to house asylum seekers under the…
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Beneficiary
Due to older generation moving on, I am now thinking about my situation and would be interested to know what will happen if a will only have the name of the Beneficiary and not their address and they do not live in the UK? They had previously declined to share their address (as I wanted send them a parcel and they were…
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Energy Club and E7 TOU Tariff
I seem to remember (?) that energy club previously asked what your % E7 usage was rather than just take a total for the year with no regard for TOU tariff use, which seems to be the case now. Is there a part of the calculator I am missing, as the rate it gives seems to have no bearing on my current costs (and unit rates).…
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Deed of Variation - Executor signing
I am the Executor to my late mother's Estate. Mum left her house to her 4 children, I am one. I used a solicitor to obtained Probate on behalf of the Estate. There is no IHT due as mum had both the full Nil rate band and the Residence band. The house is in the process of being sold but it is not a done deal.2 of my…