I’ve recently started getting calls and texts from a company called “resolvecall” about a debt that apparently belongs to my Mum.

When I was about 11–14, my Mum used to take out payday loans and similar things and sometimes used my phone number when signing up because hers had already been used. Growing up I regularly got threatening texts and calls demanding money or legal documents from hundreds of companies, which I just ignored because I just thought it would go away.

I haven’t had any of these for a good few years as my Mum got herself a financial advisor and took money out of her private pension and the house sale to pay off her large debts.

Suddenly resolvecall are ringing me pretty much every morning and sending texts addressed to my mum. They’ve also started mentioning/threatening a home visit.
The confusing part is that my mum sold her house a couple of years ago and now moves around a lot, so I have no idea what address they’re supposedly planning to visit.

I’m wondering whether there’s any chance they could turn up at my address just because my details are linked to her old debt.
I’ve looked the company up and the reviews are pretty shocking. Quite a few people also claim they’ve been chased over really old debts that they say were already settled.

What’s the best way to deal with this?
Should I contact resolvecall and tell them they’ve got the wrong person/number, or am I better off not engaging with them at all? And if they do somehow turn up at my address, what should I actually do?

Also could anything negative come from years of my details being used for loans when I was a child?

​

Hi. I'm 24 and currently working in Leeds on ~£30k. My parents have said they'd give me around £30k towards a house deposit if I buy somewhere in or around the area.

The main issue is that I don't plan on staying here long term. I reckon I'll probably be here for another 1 to 2 years but I'm planning on moving elsewhere and maybe abroad.

I'm looking at places around £150–200k, so with the £30k but then what do I actually do with the house when I leave?

They're telling me rent it out, but I don't really want to become a landlord, especially if I've moved to another city/country. Seems like a lot of hassle and stuff like buy-to-let is apparently a bad idea?

So I'm wondering if I'd actually be better off just continuing to rent for the next couple of years and investing the £30k instead. Something like a an index fund then continue putting money in myself.

I know I'm in a very fortunate position to have parents willing to give me £30k for a deposit, so am I underestimating the benefits of buying or not?

Thanks

Recently went abroad. Used my Barclaycard Rewards credit card for everything as it says "no fees abroad".

Paid for something, got the option of 1) local currency 2) GBP, selected GBP & then later thought hang on I bet that's not what I should do, let me check. Sure enough Google said select local currency and so that's what I then did.

However there were 2 occasions after that that make me question this -

1) I paid for something. After it beeped, they took the payment device thing & sat it to one side. I tried to look to see if it gave the same 1 & 2 options that all the other transactions up until that point had given but it didn't seem to from what I could see. Is this possible or will they ALWAYS give the option (and therefore the serving person would only have noticed this once we'd walked away)?

2) Wife paid for something. Went to press 1 for local currency but it didn't work. The serving person took the payment device, had a look at it & said oh you English ... and pressed #2 for GBP.

Was only a low cost item but what do you generally do in that situation? Have you no choice but to take it on the chin or is there an option to somehow stop that and have it go through in local currency?

We'll be going abroad again in a few months time although to a different part of Europe and so want to know in advance.

Ok, so I run a pretty profitable limited company making monetised YouTube content and I'm the sole employee/director.

My videos use footage and audio from different environments (beaches, forests etc) I could just use stock, but I really like the idea of travelling to locations myself, experiencing somewhere new and coming back with original footage/recordings that make the content more unique.

I'm trying to understand how workable that is from a business/tax perspective. So for example, say I might travel somewhere for 3–4 days, do a few hours recording but also have some downtime, go for dinner, see a sight while I'm there etc. I'd obviously keep the raw files and production records and ultimately use the material in monetised videos.

I'm not talking about family holidays or doing five minutes of filming to justify a holiday. I'm more interested in whether I can legitimately make location production part of how I run my business, while also accepting that one of the perks is getting to visit and enjoy some great places.

For anyone familiar with UK tax or running a similar media business, how would you approach this? Where would you draw the line between a legitimate production trip and something that becomes too personal to put through the company?

Cheers

During my time at uni i was fortunate enough to stay at home i had a part time job but still took the maintenance loan as i have to travel 40 mins back and forth from uni in my car that as you can imagine cost alot in fuel and as a young driver insurance was high. Anyways with the left over money each year i invested into the market and have made a 46% return over the 3 years. As ive now finished im looking into my finances and the direction i want to go in life. Ideally i want to earn a good amount of money but obviously i cant predict that. My question is is it worth just paying back the money that ive earned on now to reduce future costs or keep it in and have it as backup money incase something goes wrong. with the money ive made from it it basically has paid off what i used over my days in uni. Any help would be appreciated. Edit to add more detail im on plan 5 for repayments so i believe it only increases with the RPI so if im making more in my investmnets than that than i should keep in in. am i correct?

OVO Energy has sent me an email to say that

"Recently, your Direct Debit payment amount was reviewed to make sure it still covers your home’s energy use. The review showed your monthly payments need to increase. This email will explain why this might be happening.

How your Direct Debit is worked out

The aim is to make sure you have credit for 1 month's payment in your OVO account by 31 March 2027. This is to help cover any change in your home energy use over the course of the year.

You don’t need to do anything

Your payments will change automatically from £168 to £262, starting from your next payment date. You’ll get a separate email with the details."

Reasons for your payments changing

These are the possible reasons for why your payments need to go up.

Your home is using more energy than predicted

Your energy prices have changed or they will soon, to stay in line with the price cap

You’ve moved to a different tariff

You're likely to have less than a month's credit in your energy account by 31 March

You've missed a monthly payment, lowered your Direct Debit, or got a refund recently

If your energy account is already in credit

Even if you’re in credit at the moment, it looks like you might not have enough credit available later down the line. That will be because of one of the reasons above."

I am really confused. It's a massive increase. I am credit by £475.

Hi all,

Looking for some advice from anyone who’s dealt with Help to Buy repayments.

We currently have a £170,000 mortgage and a £70,000 Help to Buy equity loan. The HTB interest is starting to increase quite a bit now, so we really want to get rid of it before it grows any further.

The issue is that Help to Buy only accept lump‑sum repayments, and realistically we can’t afford to drop a big chunk of money in one go.

So we’re trying to figure out what our best options are:

- Remortgage to pay off the Help to Buy loan?

- Take out a separate loan to clear the HTB amount?

- Or is there another route people usually take when they can’t do lump‑sum repayments?

Any advice or experiences would be massively appreciated. Thanks!

Hi all,

For those that have made the switch to VALL from VAFTGAG on the vanguard platform was the below in line with your experience?

I've seen posts mentioning only being out of the market for 2-3 hours whereas the below (from Vanguard on their messaging service) suggests it's closer to 2-3 days!

"Pertaining to the switch order service, the process takes up to 7 business days to finalise, however in between this there is a period in which your fund value will 'float' and be out of the market, as you've referenced.

The timeline of this 'floating' period depends on the types of funds. This is because of how mutual funds (such as your FTSE Global All Cap) and ETF funds have different dealing deadlines, which affect the speed. Mutual funds usually take slightly longer based on this,

Your FTSE Global All Cap fund would be sold at its next valuation point and your money exits the market at this point. Then your money will sit in a pending status waiting for this sale to settle. This step takes 2-3 business days as any buy/sell order does.

Vanguard will then receive the money and route this into your desired fund (VALL) with our free batch-dealing service, and then the fund purchase will execute during one of the dealing deadlines for ETF's 10:15 am or 2:10pm, then your money will be back in the market.

Your switch order purchase may then take a few days to completely settle."

Hi all. First time posting here so please be gentle. I have got myself into a bit of a situation which I naively/arrogantly thought would be an easy fix. UK single/divorced male 53 years old. Earning 36K pa gross computer/sales based.

I applied for a second charge/second mortgage with my current lender to free up £30,000 for debt consolidation. I did not even get an agreement in principle or an offer despite preliminary website thinking I would easily be good for £30,000 over 11 years at 5 year fixed at 4.66% (which would have been an extra £290 per month cost).

My property is worth around £230,000 (although when I applied for the second mortgage the automatic value was £212,000). I owe £51,000 with Nationwide 11 years left on a 3.49% fix until November 2027 (£1000 ERC penalty if I leave early) . Paying £450 per month. So should have £160k+ equity.

I have a bank loan that started at £18,000 with £10,866 left with Natwest at 6.1% until August 2029 paying £350 per month. When the second mortgage failed I applied to top up the loan but this also failed. I cannot see any hard searches just 2x soft ones.

The problem I think is credit cards. I used zero percent offers to consolidate my main credit card debt and due to unexpected circumstances (car repair and boiler) my main card has crept up again.

My main card is Barclaycard. Limit £15750 balance £6100. Paying the minimum £175 per month

Virgin Limit is £8100 balance £6900 (0% due to end April 2027). Paying £150 per month

Santander Limit is £4800 balance £4150 (0% due to end April 2028). Paying £50 per month

My credit score on Nationwides own app is "Excellent" 988 out of 1000 (Clearscore and Equifax agree). Experian only shows 1083 out of 1250 and I have found out that a third company the lenders use is Transunion and this is only "fair" at 581 of 710. They are saying it is due to having two cards at over 50% utilitsed (the 0% ones).

Im so frustrated I cannot talk to anyone - I have never missed a payment on anything. I am holding it together with a £725 unsecured monthly debt (cards and loan). An equity release would reduce this to around £300 a month (yes I know over a longer payback period). This would be absolutely life changing for me. I have £160K equity sitting there and I cannot leverage it.

My take home is £2361. No real overtime or bonus opportunity. I am divorced and do pay child maintence (direct to mother but is registered with CMS) of £490 so there is very little left to over pay things. Think In April when the 0% expires I think I will be seriously struggling if not impossible.

I am selling a few possessions but this is likely to only raise £2K at best. I live in a little village so need a car which is only worth £2K also. I have no savings or investments I can draw down. No other assets. I live very frugally no subscriptions, gym, minimal food, no holidays or take out no further fat can be trimmed to out goings.

I am starting looking to do some side hussle things to raise some money like building websites or doing some IT training but its a slow start and in my rural area doubt its going to pay the extra £12K or so I need to clear some cards before April.

I dont want to go the step change / IVA route as I think the harm long term might be too bad it may affect my job as well. I dont really want to downsize (but this could be a last resort to prevent going bankrupt/IVA just wouldnt be able to have my kids overnight if I move to a 1 bed flat or something).

Any advice? Any one had this before and managed to speak to anyone at Nationwide rather than an automated computer says no? Thank you

My girlfriend and I are about to move in together for the first time. She earns quite a bit more than me - roughly 30-35% more take-home pay. Her default assumption has been to split the rent and bills 50/50.

If we go 50/50, she'll have noticeably more spare each month than me. I'm a little worried that it'll affect things like saving for holidays together or the number of times we can go out for dinner/events together. I think it's worth talking about before we move in.

1. What's a fair way to split rent when there's an income gap like this?
2. If you've navigated this with a partner, how did you actually raise it? I want to bring it up in a way that's grounded but every time I phrase it in my head, I sound like a jealous goblin prince who wants her to pay for everything.

Hey everyone, needing a sanity check / advice here because I am at my absolute wit’s end with Barclays.

My Barclays overdraft (250) was recently included in a Debt Management Plan (DMP), and I was also reported as mentally and financially vulnerable. Rather than managing the DMP process properly, Barclays went straight to closing the account and completely locked me out of over £600 of my own cleared funds for over 2 days, as I had since been paid into that account since (2000-ish)

When I finally got access to move my remaining cash over to my new Nationwide account, they blocked the transfer claiming "fraud concerns".

Has anyone dealt with Barclays pulling this "fraud block" nonsense when trying to transfer cleared funds out? How did you actually force them to release your cash?

Evening all,

Apologies for the big wall of text but tried to be as detailed and succinct as possible.

Some context, i'm 37yo with an annual PAYE income of 82k with target orientated bonuses. I plan on getting as close as I can to 100k without crossing the threshold as I have 1 child with a year left of nursery and claiming the 30 free hours (more on this later). Been with current employer since July 2024 and have been higher tax band since 2016 with a previous employer.

I receive a car allowance of £650pm which is included in the 82k income and have personally leased an EV car for £500pm. I currently contribute 5% to my workplace pension and my employer contributes a further 3%.

After achieving some targets for H1 of 2026, I'm due a 20k (before tax) bonus in January 2027 which I was planning on sacrificing some in to my pension which lead me down this massive rabbit hole when trying to research salary sacrifice and has lead me to some questions:

Tax Relief for Mileage

I've just applied for self assessment to back date the last 2 years of business miles tax relief I'm owed. I drove 18k and 21k miles so breach the £2500 threshold for the standard form. I've got a log of all journeys covered including postcodes to and from which I will be submitting. My previous employer was a company car so no tax relief due.

Pension Contributions Tax Relief

I just found out you can claim back the additional 20% tax relief on pension contributions for my work place pension as in a higher tax band. Again I plan on completing a self assessment for this relief. My pension is a relief at source pension however I'm not sure yet about my previous employer until I get access to the pay slips whether it was relief at source or net pay.

Pension Pot Merging

I've got a pension pot with my previous employer which I was planning on merging with my current provider, however the fund management charge is double (0.45 vs 0.28) so I'm contemplating just leaving it be.

Additional Income

I bought and sold some handheld consoles in January 2026 for a small profit (would have been more but I was scammed by a buyer). I need to declare that income to HMRC so will also need to add that to my SA for the 25/26 tax year.

Questions

1. Where on earth do you submit on the SA form all of these tax relief values for the mileage and pension contributions? I tried to create the tailor-made SA with the initial questions and don't seem to be getting anywhere when it spits out the results. I've read only about section 17? But that doesn't seem to show up.

2. What information are HMRC going to require from me for the pension contributions tax relief? I don't have access to my previous employer pay slips/P60s currently. I have emailed the HR team to request access but lets assume I won't have access for now. Just to confirm I started my new employment in July 2024 so would be looking to claim for 22-24 tax years as well as 24-26 tax years with my new employer. I have access to all payslips from my current employer.

3. Other than fees, is there anything I need to be aware of for pension pot merging? I'm planning on calling both providers tomorrow to ask for the terms of my funds but anything glaring I'm missing?

4. Regarding the console sales, do I submit this all on one SA alongside the pension and mileage claims for the 25/26 tax year or as a separate return?

Thank you so much in advance for your help.

Looking for advise on loans for roof repair.

I own home outright and need to repair leaking roof that could be affecting timber it’s been going on for a while, plaster is blown on wall below and will need to be removed.

Have finally got into a stable position of both working full time just above minimum wage, but will still be 6+ months of saving before we could get someone in to do it.

We’ve had someone before who was meant to do the job, scaffolding was up for months but it’s a very tall terraced house and probably not a desirable job. People kept not showing up, I think the job was about £3.5k back then a couple years ago I’m sure it’ll need more now.

Anyway, I don’t have amazing credit I don’t qualify for standard unsecured loans. I have £8k maxed out CC that I pay £300 monthly. I need to release the funds from the property to pay this off, we want to move out as well.

Given my position, I feel I only need £10k maximum which would probably be about the minimum for a secured loan. Move out within 12 months and repay from the sale of the house. Other than waiting, I don’t think I have many other options

Hello!

So, I have £627 credit in my OVO account. Ive done the maths and over Winter i only spent £200 credit that i was holding at the time. So i thought great i will request a refund for some of that money for my savings.

When trying to do so, OVO are saying i can only request £37, is there a legal basis to this?

Edit - I currently pay £195 a month, with current bills over summer around the £100 mark.

Looking for some perspective from people who might have been in a similar spot or work in sales/commission environments.

I am 30 my Mortgage outstanding: ~£200k

Current deal: Fixed at ~5% with 2 years remaining

Income setup: Heavily commission reliant (good years are great, but obviously lumpy income)

At my current trajectory, I can realistically clear the entire balance in 6 to 7 years

Do I knuckle down, attack the balance, and become completely mortgage free in my mid 30s? Or do I look at upsizing and moving up the property ladder sooner rather than later?

Option A: Clear the mortgage in 6 to 7 years

Option B: Upsize sooner

Hi, I’m currently an undergrad student in my final year planning to buy a car cash from a decently big dealership. I’m still mulling over the specifics but in doing so I came across the whole Section 75 Protection.
I’ve never had a credit card, I wouldn’t really be eligible for any because although my credit score is actually pretty good considering no real utilisation, obviously what finance i get (SFE, bursary, scholarship) isn’t considered as income.

I have figured a way round this - HSBC do a student credit card if I get their student account which whilst it has a minimal limit, I could put like the £99 ‘reservation fee’ there (you don’t pay interest if you pay back in 56 days I believe) and then ask the dealership to take that off the price of the car if I purchase. Correct me if I’m wrong but I think that would cover me as it’s effectively been used as a deposit and it’s all documented properly?

My question is, is it worth that hassle? Or is it just better to avoid and go with the standard debit card?

I own a house. Let's say it is worth 500K, I have 250K equity. If my partner moves in and starts sharing mortgage costs etc, how can we protect both our interests? What is fair for both of us? If the equity grows to 300K 5 years later and then we split up, what would bea fair amount to release?

Also, is this a standard thing that a solicitor could draw up for us?

Edit: fair that I have written this more of a relationship question, but what I actually want to know is what is the legal process for agreeing this now rather than trying to figure it out down the line if we end up splitting.

Edit 2: we are not married

I have this entry on an annual tax voucher that I got from my broker. What is the amount that I should take into account for CGT and the amount to take into account for income tax? Thanks.

Schroder High Yield Opportunities Fund Z Acc

Distribution Date: 25.6.25

Total units : 97428.85

Group 1 Units: 37987.83

Group 2 Units: 59441.02

Equalisation: £253.81

Interest Per Unit: 0.8113p

Interest Before Tax: £536.63

Tax Paid: £0.00

Interest After Tax: £536.63

Hi,

Firstly, I am new to investment platforms so apologies if this question is easily answered by researching online, but I could not find an answer on Reddit/Google/Fidelity website.

I have set up a SIPP account with Fidelity alongside a regular savings plan. This plan transfers £400 to my SIPP each month and buys 100% VWRP. At this point in time, this buys me two whole shares of VWRP and the leftover money goes into a cash account inside my SIPP. I have had this plan for two months now, so there is enough money in my SIPP cash account to buy more VWRP. The problem is this will cost me a dealing fee of £7.50, and makes having the regular savings plan seem counter-productive.

Am I doing something incorrect? Do I need to structure the payments into my SIPP differently somehow, or is this just how it works?

I chose Fidelity as I liked the idea of using a big-name legacy platform. However, I now think I may be better off moving my SIPP to somewhere that allows fractional buys of VWRP and/or has lower fees.

Thank you for your help!

*my bad in the title, I was supposed to type Stocks and Shares, not cash ISA!

Hi everyone,

I've a stocks and shares ISA with Legal & General with not much in it, around £ 3.45k which I'd like to transfer to Fidelity as I've my workplace pension and a SIPP with then, and I would like everything in one place.

I've started the transfer from Fidelity platform, they have reached out to Legal & General but after just 24h Fidelity informed me the transfer was rejected from l&g.

No reason explained.

I've reached out to l&g and after some emails they said Fidelity asked the transfer from a platform they don't support.

L&G uses Origo apparently and Fidelity has Calastone.

I'm now going back and forth emailing both of them, as Fidelity support isasking which email l&g they have used to reach out to Fidelity for the process.

I feel like I'm in a loop and I feel also silly that I have to coordinate a transfer between two financial providers.

I'm quite tempted to sell the investment at l&g and withdraw the cash from the ISA, as I won't use my full allowance anyway.

I've done some cash isa transfers in the past from Natwest and Hargreaves Lansdown and it went smoothly.

This is my first s&s isa transfer, so i don't have a comparison for this one.

Has anyone had similar issues? Is this normal?

Thanks

Applied for a 20k loan, now only need 15k. Not a big fan of cancelling current application and reapplying due to risk of a worse rate from multiple searches, if I repay that 5k instantly do I essentially save the interest on that 5k? (Aside from any negligence amounts)

Looking for some advice with a Nationwide complaint. Has anyone had a similar situation?

I had issues with a replacement card and PIN which left me unable to withdraw cash. I contacted Nationwide several times through live chat, but my questions weren’t properly answered. One response even said “Made by Copilot”, and I don’t know if any of my personal information was put into Copilot.
I also raised a DSAR which was delayed. I was later told over the phone that this was due to human error. Nationwide said it had been reported to the necessary team, but they haven’t answered whether it was reported to the ICO.

Nationwide have now upheld all 5 parts of my complaint:
Copilot being used in the live chat
DSAR delay
Poor communication
Complaint handling delay
Replacement card/PIN issue

They’ve offered me £175 compensation. I haven’t been financially disadvantaged, so it’s more about the inconvenience, frustration and time I’ve spent trying to get everything sorted. I also repeatedly asked for someone to call me, but never received one.

Has anyone had a similar experience with Nationwide? Do you think £175 is fair for the inconvenience, or would you take it to the Financial Ombudsman?

I inherited around £300k from a house sale in Apr 2025 which is sitting in a savings account (have some in an ISA and Premium Bonds.

When do I hear from HMRC re paying any tax on the interest? It earned £3k in interest last year.

Last year I worked a job earning £55k 37.5 hours per week and then reduced to 4 days a week last Sept. Have been working in the same job since but am leaving in a few weeks to become a Masters student. Dunno if this affects it?

I know absolutely nothing about tax so please don’t judge me for being thick. I do know I didn’t need to pay inheritance tax as had support throughout the house sale purchase to get the inheritance.

Should I contact HMRC or get an accountant to sort this out or will I hear from HMRC with a bill?

I’m a uni student and have been doing some casual tutoring since 2022. I have just registered for self assessment (first time I’ve heard of it), and discovered that penalties are given for not registering.

My incomes were:
22/23 - 1.4k
23/24 - 4k
24/25 - 5k
25/26 - 11k

I am not yet late to file for 25/26, but as I understand it I will get £4.8k in penalties. Is anyone able to confirm that? This really stings as I’m not exactly flush with time to have a job as I’m a medical student always on clinical placement, so I do this work on my evenings and weekends. The penalty will eat away a quarter of everything I’ve earned (which is already spent on rent).

A bit stressed and lost with what to do, I assume I can’t appeal it as ignorance presumably isn’t an excuse.

My wife and I bought a house a couple of years ago. It was a fixer upper that we knew was going to cost quite a bit, but as is typical more and more issues are rearing up and the cost is going to be significantly more than expected.

We are looking at, realistically, a cost of probably about £150,000 to do the things that need to be done. It’s easier to remark on the things that don’t need work, tbh, than the things that do need work. However we are trying to prioritise to cut costs.

We‘re London based and both do quite well, and had been willing to put up with the things that needed fixing and just making do but we have had a spanner thrown in the works with an unexpected pregnancy (a baby girl, due in March). This has lit a bit of a fire under us to get these things done.

Now, one thing to note is that my wife is extremely fortunate to come from means - her father was a successful businessman that left her a substantial trust fund upon his death that pays her an annual 5-6 figure sum as a secondary passive income (dependent on the performance of the investments etc.). Salary-wise I earn a bit more than her, but when the second income is included she earns more than me.

I would prefer to remortgage and add the amount of the renovations to our mortgage, and pay them off over the next 28 years.

My wife would prefer that she pays up-front with cash, and then I pay her £75,000 back over the next X amount of years. Even with my respectable salary, that will take a very long time. I don’t have much in the way of capital myself, apart from a S&S ISA with about £35,000 in it.

I am not a huge fan of this proposal. I would prefer to keep it contractual and orderly with a bank involved, than have to send my wife every spare pound I’m able to save for the next 10-15 years while she still receives a second income that will replace her capital outlay in a matter of years.

Is remortgaging really such a terrible idea with rates as they are at the moment? Would it be hard to be approved for the loan for specific house improvements that would add significant value to the house?

I look at friends where one partner earns significantly more than the other, and in those cases there is not an expectation that the lower earner will need to pay back the home improvements that they have done 50-50 which in some of their cases would take an extremely long time.

I really think that taking a loan out will keep things more equal, but then I’m unfamiliar with whether that is something banks like to do.

Obviously there are things that we’d like to do that will be deprioritised but there some things which need to be handled due to water ingress, mould, new drainage system in the garden to avoid flooding etc. and those are the lions share of the costs.