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Car insurance for cosmetic damage - notify? Claim?
My car has been damaged by another driver manoeuvring in a car park, they kindly fetched me and I have details. The damage is cosmetic to one corner of the car but would still cost £400-500 to rectify. The driver has asked me not to claim via insurance, that they'll pay but I'm not sure they realise how much. Before I call…
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Estate agents have taken more money than i've agreed
Hi all Hoping you can help. My house is rented via Reeds Rains, and i have been there since 2017. My rent has recently gone up from £475 to £525 per month. They where trying to get me to pay £550 however, i have haggled, and got it to £525 per month. I didn't sign anything for £550. On the 1st October they took £550 from…
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Black horse commission claim
Hi everyone, im after a bit of info to see if anyone else’s is having the same thing happen. Last feb/march time I emailed black horse using the template with as much info as I had. I got an automated email almost straight away. Since then I’ve had a monthly email saying the same thing. Along the lines of “we have your…
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DCBL notice of debt recovery
I parked in a car park where you needed to give a restaurant your number plate details. I did not realise this at the time and then received a parking fine. I rang the restaurant and they told me to email and they would sort it out. I emailed the restaurant 3 times and kept on getting the parking fines. Today I received a…
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Notice of Trial Date
Hi, Im helping my partner deal with DCB legal for stopping in Bristol airport where stopping is not allowed. Defense and witness statement submitted, this Friday we have the trial in county court and pretty scary. I am reading now their witness statement and it is scary. Any words of advice?
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Complaint-worthy? Overdraft vs. Credit Card
Am I right to feel miffed by Barclays that I am considered ineligible for a £500 interest free overdraft with my Barclays Premier account, and yet in the same month receive from them a proactive offer to increase the credit limit on my Barclaycard from 3.5k to 5.5k? Seems nonsensical to me that I am denied a fee free…
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ST1 or adverse possession?
Hi everyone We are intending to purchase a property in England where sellers have part of their garden which is not on the title plan. They have sent us a filled ST1. I am now wondering whether they should submit the ST1 to Land registry and/or apply for adverse possession or would it be upto us to apply for adverse…
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Water bill assessed charge v unmetered
Hi , Seeking your views on this , I recently received my bill and queried with the company why my bill was higher the average for the area and my neighbours , when usage is likely to be lower as often work away ? I thought I was on an unmetered rate but was told that I was on an assessed charge as a meter had been…
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Sell inherited property to sibling for less than probate value
Hi, first post so apologies if I have made any error in where to post. My father has passed away and I am set to inherit both of his properties. My half sibling lives in dad's second property and has done for several years. This has been an agreement between them and their stepfather (my dad) as it was beneficial to both…
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Offer with Halifax
Is it possible someone could help me out with some maths please I’m shocking lol I currently have this offer available It’s also the same offer for money transfer I have £1000 left to pay on my closed Zable card that doesn’t except balance transfers currently paying £65 a month so my thinking is do the money transfer pay…
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Garden Patio: Re-lay existing vs replace for new
I've got a fairly small patio at home which over the years has gone very lumpy (sunken slabs, pointing fallen out etc). I am looking at having it re-laid and re-pointed, and a local guy says he can do this, around 60% of the slabs need re-lifting, cleaning up and re-laying, the rest can stay as they are. The old slabs are…
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DcbLegal missed Witness Statement deadline
Hello All, Thank you to the administrators/organisers of this forum. Its been very helpful. I recently submitted my WS in person to the county court and by email to dcblegal on the deadline day but I have not received dcblegal's WS. I'm now waiting to see if they will make the trial fee which should be about 10 days time.…
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CGT home valuation
I purchased a second U K home in March 2022 . My main home had been purchased many years prior and I nominated it as my main residence with HMRC shortly after purchasing the second property. HMRC wrote back acknowledging this. In March 2025 I sold the main residence and as such it was not subject to CGT. I informed HMRC…
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MSE Forum Poll: Do you check the menu online before eating at a restaurant/pub?
You've finally manage to find a date that works for everyone and even picked a venue for dinner. But, you've never been there before? Are you going to have a sneaky peek at their online menu, or do you just turn up on the night and take it from there?
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Money Moral Dilemma: Should I approach my friend's family about the money she owes me?
This week's MoneySaver who wants advice asks... I loaned a friend a significant sum to help her out. We agreed on a date for her to pay me back, but when it arrived she said she didn't have the money and got upset when I asked why. She then paid half back, but I've heard little from her since. She has family she could…
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Warning: Company registration scam
I registered a Limited Company, which turned out to be the wrong vehicle for me at the moment, but that's another story. It can always be repurposed later, so no harm done. But I was startled, a few days after paying my £50 to Companies House, to receive this in the post: I'm not normally gullible, but it took me aback…
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Car Park Management UK / BW Legal. Defence (car parked before rules were enforced)
Hello all. In May 2024 I parked my car on a road within a private industrial park with no parking restrictions in place, leaving possession with a garage to do work on the car. I collected the car in June 2024. A couple of weeks later I had a PCN from Car Park Management UK for parking here. In the month between me leaving…
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insurance refuse to pay out on stolen vehicle
looking for info regarding insurance refusing to pay out on my sons stolen vehicle, vehicle stolen from secure parking area in Manchester while he was working abroad, case was sent by Insurance Company to Loss Adjuster who refuse to reply to lawyers letters therefore we cant go to Ombudsman, how can we take this further
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Moved: Consolidation
This discussion has been moved.
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Record Outflows from Global Equities
Anyone else getting jittery? https://uk.finance.yahoo.com/news/uk-investors-record-outflows-equity-funds-stock-markets-114418613.html
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Faulty Shower under 6 months old, screwfix refusing to replace.
I bought a Mira advance shower from Screwfix after getting advice from Mira on what to replace our old shower with. It worked great for a few months then it bleeped and stop working a few times and we had to reset, but then it stopped heating the water. I contacted Screwfix for a replacement as it's less than 6 months old,…
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Melton Building Society - Migrating Computer Systems
Hi everyone I am aware that Melton BS are changing systems, that online access has been temporarily revoked and that we will need to re-register for their new system. Last week, they mentioned it would be out of action for a few days and their website said Monday 6th October. This has now been and gone and I now notice…
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Teachers' Pensions
I seem to have hit a brick wall and wondered if anybody has any advice to give. I realise that many retired teachers are in a similar position. I retired from teaching in September 2023. My pension is affected by the transitional/ remedial arrangements that all public service pensions are. The lump sum that had been…
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CEL witness statements
CEL witness statements seem to be far worse then other firms they are literally a copy and paste with no facts as to the case, i dont think ive ever seen a witness statement as bad as this its if they dont intend to use them at a hearing Ive compared several and apart from the claim number they are word for word the same…
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UC 16/Education
Hi A person who turned 16 in April gets PIP care and mobility higher rate also has a ESA credits only claim and has been put in the support group.currently home educated due to complex needs. Parents receive child benefit for her what I want to ask is that can she claim UC at her age? Does the education have to stop to…
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Experiences of JBSP mortgage non-proprietor
Hello, Looking to get a JBSP mortgage and would be interested to hear if anyone has done this as the non-proprietor and had any difficulties in obtaining future credit, for example, a new car finance agreement? Appreciate that it will all be dependent on circumstances but just interested to hear others experiences. Many…
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Cannot add credit card to Apple Pay
I have been told by Halifax Clarity that they will not allow my credit card to be added to Apple Pay because my IMEI of a phone I bought brand new has apparently been associated with fraud Having first wrongly claimed it was Mastercard who kept the data base they now refuse to tell me who has misinformed them and sent a…
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PAYE Tax Calculation 2024-2025 Very Late This Year
I'm owed a rebate of tax paid for the year 2024-2025 I work short term contracts for the same company and are paid via their payroll provider. My PAYE deductions are based on a full 12 months salary, but I only usually work 8/9 months a year, so by the end of the tax year I have usually overpaid by a few hundred pounds.…
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Cardinham Woods PL30
The Registered Keeper has received a Parking Charge from Group Nexus for an overstay at Cardinham Woods PL30. The Registered Keeper paid for 2 hours of parking, but overstayed by 50 minutes. The Registered Keeper wasn't the Driver. The Registered Keeper appealed to Group Nexus, without identifying the Driver, and the…
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Bailiff due to previous occupants.
Three years on since moving house, we are still getting letters for the previous occupants. We mark the envelopes not at this address and return to sender. It was only when bailiffs knocked us up at 8:00 AM that we discovered a lot of the letters were related to parking fines. We showed the large uniformed man…
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Are uPVC windows and doors bespoke? When does my order become "uncancellable"?
I've recently had a few quotes for windows and doors from various uPVC companies. I've been told an external door on the order has an 'unusually narrow opening' (which means all the front doors on my street and surrounding streets are similar, if not the same). I decided which contractor to proceed with, and he came round…
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Pension contributions
My understanding is that you can contribute £2880 into a pension yearly if you have no salary. My salary is approx £2000 per year. Does this mean I am restricted to paying in £2000 a year, or could I pay in £2880
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Zopa auto save.
I'm having issues setting up auto save. I made one manual payment into my new Zopa RS on the 4th Oct I then tried to set up auto save a few days later to make payments on the 4th of each month but Zopa only lets you set up the day of the month you pay and not the actual month you wish to start payments. So, when I try to…
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Daymer Bay Car Park, PL27 6SA
The Registered Keeper has received a Parking Charge from Alliance Parking for an overstay at Daymer Bay Car Park, PL27 6SA. The Registered Keeper paid for 3 hours of parking, but overstayed by 50 minutes. The Registered Keeper wasn't the Driver. The Registered Keeper appealed to Alliance Parking, without identifying the…
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Lump Sum Contribution and Immediate Draw Down
Hi Experts! I recently turned 55 and whilst I'm not looking to take any tax free cash from my pension just yet, I have a scenario which I'd like some advice on. Over the last few years, rather than overpaying on my mortgage, I've been saving at a more favourable rate and have about £30K in an ISA. My mortgage deal ends…
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Mortgage Search Fees
If a mortgage falls through before searches are completed are the search fees refundable if they have done no work ie done any searches. If they refuse to refund as a service hasn’t been supplied would section 75 refund apply?
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Finally Come Clean
Hi all, So I have finally come clean to my other half regarding my debt. Not the full extent, as I am not ready, but I will be with time. This is due to a gambling addiction, for which I am seeking help. I have signed up to gamstop & intend on making an appointment with GP. Naturally he is upset, disappointed & things are…
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Where to begin/realistic expectations
Hi forumites! I’ve been in debt for as long as I can remember and have wanted to pluck up the courage to do something about it for quite some time. I believe I am in what constitutes as a ‘debt crisis’ (debt slowly increasing without being able to reduce it). I’m hoping for some advice on where to start and to manage my…
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Tax Free Lump Sum and 2025 Budget
Hi, Imagine the government does remove or reduce the TFLS at the budget, how would this be implemented does anyone know? Could they announce it as effective immediately? Or would that breach any rules or norms about allowing people approaching or of pension age having time to get their finances in order? Thanks, R
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24-25 annual tax summery paye
Hi has anybody’s 24-25 tax summery turned up yet for paye.