-
Chosing between 2 laptops -ACER or HP- (models in the post, read on..)
Chosing between these 2 laptops below. Here are points: Would like it to have a RAM of 32 RAM Uses for it? It wont really be used for heavy gaming. browing online, youtube, report creating, video/photo creation/ and editing Might wait until black Friday, to get reduction. _________________________________ Acer - £1,499.99…
-
Private parking charge: appeal apparently ignored, linked PCN cancelled, now sent to debt collection
I’d appreciate some expert views on where I stand with this. Background - In July 2026, my vehicle was parked in a disabled bay at a railway station, with a valid Blue Badge displayed. - Two private Parking Charge Notices were issued on consecutive days for “not parked correctly”. - The vehicle did not move at all between…
-
Maturing fixed rate accounts with virgin Money
I was researching interest rates for maturing fixed rate virgin money ISA's and non isa's to see what rates they were offering. It seems the process as now changed and if you have a maturing fixed rate isa or non isa you now need to switch it to the nationwide platform as they have now stopped issuing stand alone fixed…
-
First Time Buyer; PAYE. Direct application to lender or mortgage broker?
Dear all MSErs I am a first time buyer, Full NHS PAYE employment. I am looking to buy a relative new build <10 years. Do not need a specialist mortgage. I wonder if people in my own situations would recommend going directly to the lender for applications after doing a price comparision or going via a broker still…
-
Wrong readings
So a relative is in hospital and we are house/pet sitting. They asked me to do a meter reading and submit it to BG. I can see that the readings for many years are the wrong way round! Day is recorded as night and night as day! What are the consequences and should I do something about this?
-
Forecourt Eye charge, stolen number plates
Hi there, I'm posting on behalf of my mum, who's elderly and wouldn't be keen to use a forum. The number plates were stolen off her car a few weeks ago, and she reported it to the police and sent a letter to the DVLA as advised on their website. She has now received a letter from Forecourt Eye claiming she didn't pay for…
-
Getting New TV licence in mother's name
My parents' TV licence was always in my father's name. When my father passed, my mother left the TV licence in my father's name. This licence expires today so is the simplest way of getting the TV licence in my mother's name to buy a new licence in her name today and to let the old one in my father's name expire? Am I…
-
Changing email address
I signed up for the Credit Club some time ago with an ntlworld.com email address (Virginmedia). It seems they will soon do away with these addresses so I will not get emails from the Credit Club. I tried to change it but apparently you can't. It was suggested I set up a new account using my new gmail address. I did this…
-
Problem with Eufy doorbell (or possibly Android Phone)
Hello, We have had a Eufy video doorbell since the beginning of the year which we have used without problem. About a week ago I noticed that when we tried to view video recordings off the doorbell on my Android phone I would get the message 'Decrypting from Local Storage' this message would appear for about 20 seconds…
-
CCJ sent to old address after moving to Scotland – advice on setting aside?
Hi everyone, I'm hoping for some advice about whether I have reasonable grounds to apply to set aside a County Court Judgment. Background In April 2024, I moved permanently from the south coast of England to Scotland with my young son, following a traumatic family bereavement and very difficult personal circumstances. I…
-
Car Insurance premium rises £500 after no fault accident
Hi the claim has closed other party admitted liability but my insurance premium has more than doubled. no claims protected 9 yrs plus. can I claim this as a loss from 3rd party?
-
Building insurance refused as their structural engineers visit, how common is this?
Hey As above—I'm a bit worried our buildings insurer might refuse to renew or massively rocket up our premium (and by massive, I mean anything over 15%). Has anyone experienced this predicament? If you did, who did you manage to get buildings insurance with, and how much extra did you end up paying? Was the excess the…
-
14 day NTK rule clarification
Hi, I have received an NTK from Civil Enforcement which, although dated within the timelines, was not posted through my letterbox 2 days after the 14 day window. I appealed using the text in the newbies and also adding I did not recive the NTK in time, all as the keeper and did not mention the driver. CE rejected and…
-
New Europe fees
Are you putting your postage up or is this incorporated in the eBay price.I'm beginning to wonder if overseas is worth the effort….. The €3 EU Customs Duty: Since 1 July 2026, the EU applies a flat €3 customs duty per line item on low-value commercial goods and non-exempt gifts imported from outside the EU (for values up…
-
I'm looking for help regarding offering settlement to old debts.
Hi all, I hope you're all well. I have three old defaulted debts of roughly £500 from three to five years ago. I've been paying token fees to two of them (£1 a month) and £7.66 (1% of the original debt) without missing a payment. My circumstances have slightly improved and I'm looking to offer these three settlement offers…
-
Onestream Broadband
I have had multiple problems with the speed and disconnection of my Onestream Broadband since 07/01/2025. I was guaranteed a download speed of 60Mbs but, unbeknown to me, this only applied to a local area connection (LAN). None of my devices have a LAN connection, so instead I have to settle for a download speeds of 30Mbs…
-
Switching to Vanguard Global All Cap ETF VALL
I previously posted the results of calculating the gain/loss of Net Asset Value in dollars resulting from selling £100K of VEVE and buying £100K of VALL at the closing price each day. This gain/loss occurs as a result of the differing discount or premium to Net Asset Value of the two ETFs. It does not include brokerage…
-
Surprised trading 212 and nationwide do not communicate,
HI. I have been looking around to move my isa from Trading 212, currently paying me 3.6%. the first thing to do was to get it out of trading 212 which is easier said than done. The one thing that really surprised me here, was that two major players- trading 212 and nationwide do not communicate. I could not transfer my isa…
-
15 hour ryanair delay with 3 kids - Man to Copenhagen
We were delayed last week for 15 hours in Manchester airport. Our flight was due to leave at 9.15am but departed at midnight, arriving circa 3am. It was a windy day so Ryanair are rejecting compensation due to adverse weather however we have screenshots of a message on the ryanair app saying there was also a minor…
-
Overpayments on an interest only mortgage
Hi, I won’t bore you with the back story but I’m now single and a bit stuck on an interest only mortgage. I have a chance to remortgage to a repayment mortgage which is the aim, but I’ve stayed on the interest only mortgage because I’m a little worried about overstretching myself, especially with rising cost. Anyway, to…
-
Kept bank account
I already banked with Barclays and nationwide using a basic account. After being declared bankrupt on Monday the OR has sent the letters advising release of any funds to me but both banks having contacted the insolvency teams at Barclays and Nationwide have advised that I can continue using my accounts. The only change is…
-
After years of no BSODs....
Getting them a little frequent now. I Googled how to see what's causing it which mentioned event viewer but I can't make sense of it. Windows 10 No real changes to the machine other than a different graphics card back in June which the PC ran fine with for 2-3 months with I think only 1 BSOD. Now I've had a few in a week.…
-
Old Style Daily Saturday 31 October 2026
Morning all.
-
Tesla EV chargers applying incorrect price
When charging my non-Tesla car at a Tesla chargers, it states that the cost drops from 46p to 27p at 11pm. However if I plug in at 10.59pm, the whole session is charged at 47p. The Tesla app has nothing in it to suggest that this should be the case. Do you consider this fraudulent? And what should I do about it?
-
HR insisting on an occupational health assessment following a complaint
Essentially, my story is this; I have been at my workplace for almost 7 years now, and for most of that time two women have relentlessly bullied me and my colleagues. I have sent an official complaint about them on three separate occasions and each time it drags on and on and eventually either management or HR comes up…
-
Chetwood Bank
Under their T&C if an investment matures on a weekend, which will occur c 28% of the time, Chetwood will reimburse the funds on the next working day. If this happens to be a bank holiday then you could lose up to 4 days interest which could equate to £70-£80 of interest. This seems unfair when you compare to other banks…
-
inheritance
I have inherited some money and I am not money savey I dont know what to do to be honest I would sooner have my mum back, But until I am in a position to think about things finacially where can I put it? Please help Thank you Sal
-
Any tips for new compers?
Hi everyone! I've been comping for about a year now and have been lucky enough to win some really amazing prizes along the way! One of my favourite things about comping is how lovely and generous the community is, especially when it comes to sharing competitions and helping each other out. I'm always looking for ways to…
-
Facebook privacy
I have opened a facebook account, hiding my birthday and other info from view of others, no picture and choosing the options which prevent other people sending me friend requests etc. I have joined in businesses live videos and reels and commented on them, which show on the screen, but not on my profile. My profile has a…
-
Social security scotland CDP
My son turns 16 in December i got a call from SSS to book a home visit to discuss whether my son gets his money or I continue to be his appointee we have dissvused with eachother that we want me to continue to deal with his claim. Has anyone else had a home visit in Scotland glasgow ? And can tell me how they go ? Im very…
-
Social security scotland CDP
My son turns 16 in December i got a call from SSS to book a home visit to discuss whether my son gets his money or I continue to be his appointee we have dissvused with eachother that we want me to continue to deal with his claim. Has anyone else had a home visit in Scotland glasgow ? And can tell me how they go ? Im very…
-
How to stop BING wallpaper changing on my laptop everyday
I am fed up with Bing changing my wallpaper on my laptop every day. I have tried going into settings then Apps . I found Bing but it would not let me uninstall it. Is there any other way I can stop it
-
Deferred Private Pension Lump Sum
Hi all, My wife is 62 and planned on retiring at 65 (state pension 67). She just realised that her private pension was payable at 60. We now understand that the monies she should have been receiving for the past 2 years are essentially being saved up to give her at the point she decides to start receiving this pension. We…
-
You busted your credit limit on at least one account recently
What does this mean. It's on my mse/TransUnion report I logged into my full report and there are no errors no missed payments no debt. I can't find out what this means
-
Additional working hours due to staff shortages and no pay
Asking for some advice here for my daughter, I can not name the company due to her contract of employment t&c's. She is employed as a deputy manager in a large retail organisation I personally think her only option is to look for another job, this is the situation. Since May 2026, other staff members have left (not…
-
Shallots
Bit odd but a light bulb moment for me. Peeling shallots for second time this week (moules marininere & today prawn linguine) don't do regularly but done many times over the years. Bought the bulb ones rather than banana because reduced on clubcard, what a shocker to peel, I know this from experience! About 40p saved. We…
-
Euro car park Ltd and Direct Collection Bailiffs Ltd
Hi all I'm new on the forum and in need of advice please. This afternoon (30/10/26) I have received notice of debt recovery - unpaid parking charge £170.00 from Direct Collection Bailiffs Ltd. The date on the notice is 22/10/2026 . A week after the date. The notice states I have 14 days to pay. Iam the registered keeper…
-
How many energy supplier referrals could you earn in a year?
With the high prices incoming how many jumps to new suppliers either referral bonuses could you do in a year to help reduce bills. For this let's assume someone on the price cap I wonder if you could earn £200-400 and with the £100 from the Chancellor come out unaffected by the price rises? Edit So upon checking most…
-
Car parking charges. SABA
I have received two PCNs for allegedly failing to pay for parking at Telford Central Station. On both occasions I arrived in the station car park the I used my I phone to pay, using the SABA app and Apple Pay. On each occasion the the result was such that I assumed that it had gone through ok, however, unbeknown to me, it…
-
Ebay to collect VAT from high turnover sellers
Some good news from the budget is that Ebay and other large sales platforms will be required to collect VAT from accounts with a turnover above the annual VAT threshold (£90k). Above this figure, sellers should register and collect VAT. Hopefully this will level the playing field to stop people who avoiding paying taxes as…
-
Private Pension
Totally don't understand why I have to pay so much tax on a tiny annual pension? Can someone explain how it all works when we get our pension rise in April 2027?? For 2027/28: The figures are confirmed: New full State Pension from April 2027: £13,036.40 per year. Personal private pension: £265.39 per year. Combined annual…
-
Setting up Cash ISA interest rate alerts for a single company.
I've noticed that many companies bring out new Cash ISA products every few weeks with better interest rates than their existing products. Is there anywhere I can set up an "Alert" that emails me when new "better" products appear for a specific company? Case in point, Charter bank easy access cash isa "Issue 82!". (I…
-
Speeding fine wrong details
Hi, i was caught speeding34 in a 30 zone,all good , should have watched what i was doing rather than chatting.problem is that the company car owners have sent me a notice saying that the police have asked for details and they have sent thm my address. I checked as I didnt get anything through and thay have sent it to the…
-
County Court Claim - DCB Legal / Horizon Parking (Iceland Newark 2023) - Defence Review
Hi everyone, I've received a County Court claim from DCB Legal regarding an alleged parking event at the Iceland car park in Newark back in spring 2023. The case is over three years old, with a massive gap of radio silence where the file appears to have been passed between different debt recovery agencies before finally…
-
Tax code change due to untaxed savings interest but no way has the threshold been exceeded!
My son has just graduated university in August and started a new job in September. He has not worked during this financial year prior to this. His first payslip was for a partial month and his tax code was as expected the standard 1257L; he has just been paid for October and his tax code is showing 1249L M1. We’ve just…
-
Zopa Biscuit Account/Free Caffe Nero
Used the Free Coffee perk' included with the Zopa Biscuit account for the first time this afternoon! I know its one coffee per month, then renews again, but I noticed after activated the offer in the Zopa app, that the QR code in the Caffe Nero app showed a expiry date of 28 February 2027? But, when you select the further…
-
Anyone got this from Tomato Energy?
Anyone got this from Tomato Energy? "Important Update regarding Tomato Energy Dear ME, As you may be aware, Tomato Energy Limited went into administration on 10 November 2025. If you were a Tomato Energy customer at that time, your energy supply was automatically transferred to British Gas on 9 November 2025, under Ofgem's…
-
Chip Smartcash ISA - Issues transferring in funds
I opened a Chip Smartcash ISA yesterday (via the Chip app), and, limited by the single £5000 transaction limit, made several transfers to try and fulfil my ISA allowance. The first two transfers went ok. However, the bank I was transferring from (Chase) naturally queried the further two transfers and asked for further…
-
Changing reporting of interest
Are there any rules (or even red flags) if i chose to change how I report interest from savings on my SA. Using the proceeds from a house sale, i took out 1,2,3 4,&5 years fixed rate savings accounts 3 year's ago, each with £20k, with the intention to open cash isas when each matured. I have been reporting all interest in…
-
Forum Highlights 30th Oct: Secondhand fridges, shoe repairs & streaming sticks
Is it worth spending more up front to buy an appliance that's substantially cheaper to run? That's one of the talking points on the MSE Forum this week. Read on to explore that thread and more of the latest conversations in our MoneySaving community.…
-
Information on tenants in common please.
Hello all. As the title says I'm looking for information on tenants in common. We bought our house, jointly with our daughter and her husband 13 years ago. Now we are both retired, and ageing fast, we would like to move back to civilisation. Son in law does not wish to sell! Does anyone know where we stand legally, please?…
-
Best EV tariff - tell me if I am wrong
Most energy providers: EV tariff = 1/3 more for standard tariff + cheap rate over night. Best to choose a provider that gives: standard normal tariff all day + cheap rate over night. Am I missing something? This is why I switched to Octopus 12 months ago. Now they have just short of 40p standard rate + 7.5p overnight. So,…
-
Spreadsheet formula for averages across irregular periods?
Hi Spreadsheet question: I have some input data for a series of events that occur at irregular intervals e.g. during hour=2, the real-world measured datum value is 323 then nothing happens until hour=9 when the real-world datum is 452 I want to 'spread' the value 323 over hours 0, 1 and 2 (i.e. calculate the average across…
-
Equity release non standard construction
Does anyone know of any brokers who deal in this please? Our bungalow was built in 1950's steel frame. No issues with it confirmed by survey but all usual lenders are refusing based on their "criteria". Although we haven't been told what that is, not has anyone asked to see a survey. So worried as this was our retirement…
-
New Loan when on debt repayment plan
Hello, I am in a pretty dire predicament - my 20 year old battered car ( the only one in the household) is on its very last legs and has cost me a lot in repairs, more than it's worth, in fact. I am already on a debt repayment scheme for some old credit cards, and I have been rejected on some soft searches for loans for…
-
FlashPark - Appeal Sent and Ignored - Final Notice without POPLA received
Hi there, Apologies if I've missed this scenario in one of the sticky notes, but I can't see what I'm supposed to do with this one. FlashPark only allow communication by letter and I appealed with the help of this forum within just a few days. Despite that, they've seemed to totally ignore my appeal and have sent a…
-
Investment or Savings
I wonder if someone could explain the basics here. The general outlook is that investments out perform savings, however, when I take a very quick view it does not seem clear. Taking the FTSE 100 as an example, over 10-years its growth is around 4.5% PA (6775 to 10600). Given that saving rates of 5% are possible (with no…
-
Small job no.1
I have some jobs that are a daily annoyance that I haven't been able to solve so would be grateful for some ideas. I have a glass porch with a heavy sliding door. To fill the gap between the paving and door sill and piece of wood has been put in by previous owners.. When it rains it swells making the door hard to slide.…
-
Is it worth recording TV, anymore?
Hi there. I currently have a Freesat recorder but I have found that I have genuinely not used it for over six months, now. I just find that everything is online, anyway, so you can just look for it on there. I occasionally used Freesat for watching Live TV (for example World Cup matches) but have found that these are all…
-
What to do now?
I have five accounts (3 credit cards and 2 personal loans). One of my loans is now showing as a default on my credit file, and has passed to Link. Should I now take action by contacting Stepchange to set up a payment plan for everything. I am concerned that if I wait for all my debts to default, Link might take further…
-
Internal ParkingEye Claim issued 02/10/26
Hi, I have successfully used this forum twice in the past. I’m now back again with another parking issue, however this one is from ParkingEye internally (previous two were DCB Legal). Circumstances are: I parked in a 20 min max stay car park (at 12:05:15) and left 10 mins 41secs late (12:35:56). I didn’t realise it was 20…
-
Change in circumstances (medical) (ESA/UC)
Hey all A couple of changes for me personally (recently) In late June I ended up needing to attend the urgent care service (as directed by 101). This was due to quite severe edema that wasn't going away and other symptoms. Anyhow I was given antibiotics by the duty nurse, and told on the night to get an urgent appt with my…
-
Not Full Report - MSECreditClub
Hi All, I have an Notice of Correction on my Credit Reports, lodged with all three Credit Reference Agencies. I'm unable to view this on the CreditClub Credit Report page, it seems to be missing? Can anyone confirm if this is a deliberate omission, something that's been overlooked, or have I missed something. Thanks in…
-
Energy comparisons put trackers first - is this misleading?
My 15 month Fuse energy fix is ending on 29th Nov and I'm trying to work out what to do. Fuse suggest their 15 month tracker is going to be cheapest for my usage on both gas and electric. The MSE cheap energy comparison also lists trackers as being the cheapest. But I feel like I'm missing something here? I appreciate…
-
How's work in the Gig economy?
I'm in part time employment and would like to get more work, facing a shortfall of about £600 a month to cover basic means and burning through savings. Anyone here working flexibly around their main job for a second income?
-
NST NOVEMBER
NST NOVEMBER The Ninja Saving Turtles were inspired by Ninja Saving Kat (NSK - look up her original awe inspiring challenges) so that we could continue as a group when Kat went off on her travels. Kat's essentials were - knowing your debt free date, setting all your budgets before the start of the month (and sticking to…
-
Yet Another Crypto Theft....
Binance reporting $6.3Bn hack this morning:- https://www.theguardian.com/business/2026/oct/29/binance-crypto-exchange-hack Not sure I'd want my savings in this arena.
-
Starter svings rate and transfer of marriage allowance
Hi please can anyone help.. I have spent hours on the phone to HMRC regarding starter savings allowance and all of them were not awars of the starter savings allowance. I transferred 10% of my allowance over to my husband so my allowance is £11310. If my earnings are £11410 does my starter savings allowance reduce to…
-
Old Style Daily Friday 30 October 2026
Morning everyone.
-
PIP claim - but I am also a representative for a PIP claimant
My wife was recently awarded PIP at a tribunal hearing. She suffers from fibromyalgia and anxiety, as well as a few other things. Due to her struggles I nominated myself as her representative and I did all her forms for her, and was present on the call with the tribunal. The whole process was so (unnecessarily) stressful…
-
Should I leave Octopus tracker?
Been on it a few years now. Regular energy use for a family of four in a 3 bed semi with a combo boiler. Find the energy market very confusing. They put the DD up to £175 a month about 5 months back. I see other companies do trackers as well now. Are they any better? Do the budget announcements yesterday mean I should wait…
-
Victorian Plumbing Refund
I apologise if this is a recurring problem, but VP plays this card alot!! I returned a vanity unit because it was the wrong size. Opened it and realised straight away. Closed it, taped up very well (photos to prove). They received it 2 days later. 'NO refund' email right away stating it was damaged in transit on the way…
-
Extra 'donation' added to cover costs
Does anyone else find it really annoying and impertinent of charities to automatically add a sum to a donation to 'cover coats of donation?' I think it's a damn cheek. I like to make numerous small donations to several current charities and the 'expenses' added often add a third onto the donation I initially made. I resent…
-
Universal Credit – Check and Confirm Your Details – Advice Needed
Hi everyone, I'm completing the UC Check and confirm your details task and have noticed three discrepancies: Housing: Says "Change occurred on 30 September 2024", but we moved in on 15 May 2024 (UC claim started 29 August 2024). Bank account: Details are correct, but says "Effective from 25 June 2025", although the account…
-
Charge for returning faulty item?
Yours Clothing want to deduct £1.99 from my refund for returning a pinafore with a fault in the material. Can they do that? I would have kept it if not faulty. Weird stripe right through one part of it.
-
Problem switching via MSE to Sainsburys Energy
I started a dual fuel energy switch via the MSE website from Octopus to a fixed Sainsburys Energy tariff back in March. The switch went through to EON (which administers Sainsburys Energy), and I can log in to my account on both EON and Sainsburys Energy website. The MSE app shows the switch as still 'in progress' after 7…
-
Problems with return of rental deposit
Step mother in law has just moved out of her rented 2 bed bungalow (into end of life nursing care). She was a tenant for 4 years and rent was paid in 6 monthly chunks in advance. A deposit of £1100 was also paid prior to her moving in. Since she moved out we have completely cleared the bungalow and given it a good clean…
-
Probate purchase - Lack of paperwork
Hello, just wondering if anyone has had a similar experience. I'm currently in the process of purchasing a house, and my Solicitor has advised me that the seller's Solicitor won't be providing a property information form, fixtures or fittings form, nor do they have any installation certificates/guarantees relating to the…
-
What do you buy as a one off instead of wifi booster extenders from provider
Looking to save any costs on bills. Have realised that our broadband is nearly £15 a month because we have 3 wifi extender boosters. If we don't have these then we get no internet in 3/4 of the house and the shed man cave next to the house and garage. This is due to the solid brick walls (old listed house not huge). I've…
-
Random wet patch halfway up internal wall after storm
I am not very DIY savvy and sadly my lovely diy dad has passed away so I would be grateful for any advice. Since the recent storm a wet patch appeared on my spare bedroom wall I have looked outside and x marks the spot in the centre of the circular mark above The mortar under the window sill above the cable clip is…
-
Help for claim form Dcb legal after ignoring for 4 years now this.
Hope someone can help me and advise me on this, I’ve read a lot of posts on here with people fighting against these thieves. I’ve ignored everything from the start of the first notice I ever received from horizon parking and now dcb legal for 4 years to date, yes 4 years wow, I’ve never acknowledged anything from anyone as…
-
Chartered Savings Bank changing to an all-new online platform
My mother has an ISA with Chartered Savings Bank and is concerned about the forthcoming change over to a new online platform where all accounts will be moved and issued with new account numbers. I've never come across this sort of change before and naturally am concerned regarding the ISA remaining in a tax free wrapper…
-
Moving to fix, but not sure it's worth it...
Hi all, First time posting on here so sorry if its not written so well, and thanks for any help in advance. We're currently with edf and up until yesterday were on the price cap (26.49 p/kwh 45.68p sc electricity and 7.86 p/kwh 29.81p sc gas). Our usage is 4200kwh electricity and 11800kwh gas. When I did a comparison about…
-
When to switch?
Hi all I'm on a fixed 12 month tariff which is due to end mid April next year with Octopus. Given the upcoming changes to rates expected in January and then April, my question is: would it be prudent to lock in a new tariff before the end of the year to avoid said increases, or wait it out and re-fix when I'm close to the…
-
Tax on Nationwide Fairer Share Payments
Myself and my partner both received the Nationwide Fairer Share Payments. Mine went into an account in my name and my partners into our joint account because she does not have any other nationwide account. Nationwide has reported both of the payments to HMRC as interest in my name. So HMRC has taxed me on interest…
-
Apple Trial Concern...
Hi, I signed up to a month’s Free Apple One Trial (primarily to watch Apple TV), but the Trial included other stuff, some of which I already had, namely Apple Music and iCloud+, both of which I’ve been paying for as individual monthly subscriptions for some considerable time. I just tried to cancel the Subscription today…
-
Should I close my Barclaycard?
I've just been approved for a Santander Rewards credit card, I partly applied for the rewards and to now ensure I have a Mastercard (again). I currently have the following: Santander - credit limit £6400 Barclays reward - credit limit £5000 Halifax Clarity - credit limit £5000 I was going to close my Barclays one as it…
-
Subsidence Insurance claim
Hi My 91 year old mum's house has has subsidence issues in the past. She has made 2 insurance claims because of this in 2019 and 2022. She was previously insured through Zurich Insurance, who undertook work to remedy issues caused by subsidence. After the second claim, on renewal Zurich informed mum that they were no…
-
Car finance & CCJ
Hi all, I currently have a car on a 4 year PCP with VWFS, my 3 cars prior to this one have also been with them and I've never missed a payment. It's due to end in March so I went to order a new car but they have declined my finance application. I've checked my credit file and there's a CCJ from 2023 on it. This is a result…
-
Boiler (oil)
Not combi. Currently heating on 8am off at 10pm. Water heated into tank an hour a day 9am to 10am. Does it matter how it's set up with heating on first, water on first or both start at same time?
-
Unable to get fibre broadband due to neighbours electric cable
I was due to have Virgin broadband & TV installed today, changing from Sky as their service is limited to 67Mbs The guy was extremely helpful but unable to connect the cable as it would be within 900mm of an electrical cable going to a neighbours house, apparently a new rule due to a recent serious incident, and the cable…
-
Pension for a young person
I intend to open a private pension for my granddaughter for her 18th. Is there an advantage to waiting until she is 18 or if I open it is it easily transferrable? She will be going to university so this initial lump sum is just to start her off and make it simple to add to when she has an income. Can you recommend any…
-
Charter Savings Bank - New Platform
Both myself and wife have been notified of the new platform that CSB are to introduce early 2027. Does anybody know of why they're changing to the new "Online Services" platform and how it will affect day to day use. Are there examples of other institutions making this change and what advantages or disadvantages could…
-
Capital One Direct Debit
So I checked my DDs this morning (NatWest) and my Capital One DD is showing as cancelled (I did not cancel it and no payments have ever failed from it.) DD still showing as in place on the Capital One app. I have a vague recollection a few months ago of them saying you might see two DDs from us but only one would claim…
-
Stonehenge - forgot to pay
Visited Stonehenge yesterday. Couldn't get the app to work for visitor car park and then forgot to ask them when we got to the ticket office. Got the app working today and tried to retrospectively pay - but it won't let me. I paid anyway today (a day late). Is there anything else I can do before the inevitable PCN arrives?
-
Nifty November's No-Spend Days Challenge!
Welcome to Nifty November's No-Spend Days Challenge! This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change…
-
No fault insurance claim with Accident management company
Fairly straightforward. A third party damaged my vehicle, we went through insurance and I was contacted by an AMC who said they will be handling it. The drive immediately admitted liability, and their insurer immediately admitted liability. The car went in for relatively minor repairs, the hire car was arranged as…
-
Klarone scam
I ordered a pair of night-driving glasses from this firm on 21st of October. No sign of them arriving. I always take a screenshot of any order so tried their website - suspended! Looked up the transaction on my Nationwide site and got a phone number. No surprise - call failed. I rarely buy from Facebook ads, but this time…
-
Holiday pay/sick leave
Hi, I have been off sick since January 22nd, I expect to be dismissed due to ill health at a meeting with HR/manager tomorrow. My holiday runs from April 1st until March 31st. Work says I will be owed 16.5 days unused holiday since April 1st. I had 5 days unused holiday from January 22nd-March 31st whilst I was off sick.…
-
Qatar Airways - Saudi Arabia flight cancellation
hello all not entirely sure what my rights are here: have a flight booked through an online agent to Jeddah, KSA from the UK next week. The airline have today cancelled my second leg and booked me to Medinah, KSA. My question is: Is there any responsibility to get me to Jeddah or do I need to accept a refund / this…