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NCP "Parking Charge to Keeper" letter
Hi folks, I've just received a Parking Charge to Keeper letter from the NCP. I parked my car in a car park in Derby and then went to pay. But there was no way to pay with cash or card - only using their app. I tried to download the app (as did my mum on her phone), but we couldn't as there was no signal at all. So we left…
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House Insurance and Flood Risk.
Hello, Does anyone have any knowledge of how house insurance with a flood risk is assessed. The Environment Agency map is showing differing levels of risk for properties actually built on to each other in my street. They have been unhelpful in answering my queries, as have the insurance company. I'm slightly suspecting…
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Think twice about buying Eufy S120 Solar Wall Light Camera Black - my experience / warning
I bought this last year and it was fine until autumn /winter came and then it started to have problems charging, Eufy were of no help and it was out of warranty. The issue is that around this time of year i.e. November the strength of the sunlight is not enough to charge it therefore it automatically shuts off leaving you…
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EDF FreePhase Dynamic Tariff
Anyone on this tariff? It has 3 rates green 11:00 pm - 6:00am red. 4:00pm - 7:00pm amber the rest of the day Rates alter daily with wholesale prices. Today green is 13.35pkw red is. 27.51pkw amber. 16.17pkwh
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wholesale gas price
as the topic says the wholesale gas prices are falling by the day are we expecting to see some cheaper fixes out soon
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Aptia woes
Hi all, I am a deferred member of an occupational scheme ( left job in 1996) Payable at age 65 ( which was early Nov ) received the quotes for monthly payment and lump sum back in June this year. All looked ok, so sent all the forms back as requested, and they confirmed receipt etc. Thats another job ticked off I thought.…
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VQ Monty Radio - Is it a wise buy?
We need a radio that is portable around the house, hence battery operated. The VQ Monty comes highly recommended, including being a Which? best buy, and seems to fulfil all our needs. However I see that its battery capability comes in the form of a custom battery pack, which is apt to prejudice me against it. I'm concerned…
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Santander free forever bank account changes
Just got a letter in the post that Santander are changing my business account to £9.99 a month. I've had it a very long time and remember Santander trying this move before only to be told they can't because the original sign up material pushed it as being free forever. Does anyone have any thoughts?
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Vanquis balance transfer card - not being able to balance transfer at application stage
I have a balance i need to transfer from another credit card. I applied for a balance transfer with HSBC but without going into details, its taking FOREVER and I dont even know if I'll be accepted, so I went back onto an eligibility calculator and saw i was pre approved with vanquis. I applied and the next day I got a…
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UKPC using address that hasn't been on the V5C for months
I moved home from Address A to Address B in January 2025 and set up Royal Mail forwarding for a year. I updated my V5C at the time and it has had the correct up to date address since then. A month or so ago, I received an invoice from UKPC for an alleged infraction dated June 2025. This invoice had my correct current…
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Stocard - new app needed
I've used Stocard for the last couple of years but now it has been bought out by Klarna I want another, simple, clear place to store my loyalty cards. Android What are you all using?
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Awful weather - typical Brits talk
Well it's been downright awful here in Somerset for the last couple of days with non-stop rain! Just wondering how committed you lovely peeps are... have you been put off by gardening when it's raining? Are you a shrinking violet or a hardy perennial? Just a light hearted thread ☔🌧️
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Buying a flat as a FTB - didn't know it only had electric underfloor heating
Hi everyone, I'm a FTB a bit stuck with whether to follow through with the flat that I am purchasing or to walk away. Still living with parents so there is no rush to move out, - could have work done before I were to move in if needed (although ideally would love to be living in it of course). Just had the survey done…
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Here’s where the story ends…
And another way of life begins? Another old tune that’s been stuck in my head this week. No more ninety months for me, aiming for four years from now so forty eight months. I have rejigged my budget as food prices and prices in general have gone up. Hopefully giving myself a reasonable amount to spend will stop me…
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Affordability complaint rejected, good will gesture offered
Hi, One of my affordability complaints to Abound has been rejected. I've had a mixed bag of replies so far in general, some accepted and some rejected that I've escalated to the financial ombudsman as I feel I have a good case, this one I'm unsure of though given there response and the fact they've offered something in way…
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I have chronic fatigue and am baffled by this advice! Please help!
Hi, Sorry to be a nuisance. I have read all the information several times but I have a chronic illness which causes fatigue and brain fog, so I need to check that I've understood. I'm also autistic, and have tried searching for a case exactly like 'mine' but to no avail. Maybe it's too common and other people can follow…
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Piece of wood found in burrito!
Hello! Could someone please give me some advice. I bought a burrito from a well known supermarket last week and, whilst I was eating it, I was disgusted to find a 3cm long shard of wood from said burrito had pierced my gum. Obviously this caused a bit of shock and discomfort. The aggravating fact is that I have autism and,…
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Fischer electric heating local engineer
Hi Unfortunately my parents have Fischer electric heaters. Just wondering if anyone has used local engineers to sort out problems? Many thanks
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Leaving 10% to charity in a Will
I know that if you do this, the IHT taxation rate is then reduced to 36% from 40%. But does this only apply to ‘cash’ assets, i.e. property is a separate thing, or is your whole estate (including the property) used as the figure from which you bequeath 10% to charity? When he died last year, my Mum inherited my Dads…
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DWP pension advice to HMRC leads to wrong tax code
I retired in 2023 and began to draw a private and state pensions late in 2024-25. The aggregate gross income from both these pensions came to under £11K and I had no other income for the year. When I began to draw the state pension in Dec 24, DWP advised HMRC my annual income entitlement, although I would only draw 4…
