-
Help with 2 x PCNs from Southwick Beach (GXS Parking) – moved house, letters at old address
Hi all, I’ve read through the NEWBIES thread before posting, but my situation feels a bit muddled so I’d appreciate some advice. * On 17th August, I parked at Southwick Beach. I was sitting in front of my car on the beach for about 30 minutes and when I turned around I found a PCN stuck on my windscreen. To my disbelief,…
-
Progress is...
Starting a Mortgage Free Diary!
-
No heating or hot water since 11 September 25
My disabled (enhanced rate PIP recipient) pensioner (70 years old) partner has had no heating or hot water in his Housing Asosiation flat since 11 September 2025, due to a problem with the communal boiler. The association are seeking quotes for repair replacement. The costly rent at the property includes the central…
-
The Archived History Of Regular Savers Thread *** NO CHAT***
Welcome to this thread The main purposes of this thread are three-fold: * To provide a list of current and historic regular saver Ts&Cs. * To serve as an archive of when key changes to The Top Regular Savers Discussion Thread and the accounts listed on it were made. * To serve as a defacto no-chat regular savers thread to…
-
Monthly money from pension lump sum
Hiya all....I'm thinking of starting a partial encashment of my pension pot.... 15k withdrawal gets me roughly 12.7 k after tax free portion and the 20% tax on remainder...I get this as a lump sum. My question is what's the best way to transfer 1k per month into my bank account on a regular basis until money runs…
-
In post help please
I have just sold an item through Vinted and have attempted to post it. The In post locker won't scan the barcode, I don't have a QR code (or I don't know where to find it). The screen says I can enter the barcode, but there are two and both contain characters (brackets or symbols) that are not shown on the touch screen. I…
-
Reduce payment on account to £0?
I'm self employed and in self assessment. According to HMRC I owe £1300 in January as a payment on account. Based on the last 6 months, I'm expecting to have income this tax year of between £5,000 and £9,000 (hopefully around the higher end!) from work plus about £1,000 in non-ISA savings interest, which I think means I…
-
£30 voucher for opening Santander Everyday or Edge account
Credit to @goatfaced for bringing this up in the 123 Lite thread. https://www.moneysavingexpert.com/banking/compare-best-bank-accounts/#santanderedge Filling the form in results in a 'Something went wrong' message for me on Safari, but in Firefox it worked just fine. Closes tomorrow. New & existing customers. No switch or…
-
The Case of the Overwhelming Mortgage
I’ve lurked for a long time. I have no-one in real life I can discuss these issues with and thought it might be helpful to get it out of my head and on to paper. I am mid 40s, married, with two pre-teen children. We moved in 2017, with a 20 year mortgage of £140,000 and interest of £10 per day. We now have a mortgage of…
-
Nest or Now?
Hello! I would like to continue with my pension as a self employed but got two different pensions already created from my previous jobs: Nest & Now. Would like to unify them and just keep one. Any advice of which one is better or the best way to do this? Thanks in adavance.
-
DCB Legal court claim 2025 For old parking charge
good morning. I was wondering if I can get advice for a court claim from November 2011 where I parked in a retail park in Manchester, and allegedly overstayed the 90 minutes of free parking. Since it’s so long ago I have no recollection of who was driving at the time, and I no longer have possession of the car (sold in…
-
Cancelled Car insurance took money for 2 months and refuse to give it back.
Hi. EDIT: Sorry, A HUGE mistake in my wording lol When I say cancelled I don't mean I cannceled midterm I mean i stopped it from renewing. They sent me a new quote and it was 40% more than last years so i ended it BEFORE it renewed. I ended it/cancelled two weeks before it was to be renewed. It ended when It was supposed…
-
Nationwide mortgage redemption… then extra DD?
Hi all newbie here, just joined as I am kinda stuck with an issue with nationwide. on 21st of August I got a redemption figure for that day (from nationwide app) and paid off my mortgage a few hours later on that day. I actually went into my local nationwide branch as I was nervous about sending that amount of money, then…
-
Armtrac PCN Appeal Final Letter
Hello, I have looked through the Forums trying to find an answer before I post this, but there are too many and the helpful hints don't seem to cover our issue. We had a PCN for parking on Private Land. We bought a ticket and it has the right registration on it and the correct charge paid, but it was a windy day and the…
-
Onmo APR increase
Just a quick heads up, Onmo just sent an email telling me that the APR is going from 34.2% to 47.99%. Wow. I am going to get shot of that, its just such a huge increase. I have had other credit cards previously and the APR has never gone up by that much. Theres a button to repay the minimum at my current APR and close the…
-
Swagbucks Codes Thread 2025 - CODES ONLY PLEASE
This thread is only for Swag Codes, any chat etc should be on the Swagbucks discussion/chat thread If you had the old codes thread bookmarked you will need to bookmark this one The chat/discussion thread for 2025 https://forums.moneysavingexpert.com/discussion/6577620/swagbucks-2025#latest
-
Renault Battery Lease Hostage
Hi All, Ideally I'm after advice or suggestions. We own a second hand, 10yr old Renault Zoe with a leased battery. We're fed up of paying for repairs to the car, the suspension in particular breaks at least every 6 months and now the electrics are going. It needs scrapping, but before you do that you have to get out of the…
-
Wedding Anniversary Present?
I've been invited to a wedding anniversary celebration. I was wondering what type of present I should get the couple, if any. To make it more complicated I don't know the exact spelling of one of the couples first names or the number of the anniversary (I would guess it's somewhere between 25 to 40). Looking through sites,…
-
Lantern
Hi, I'm Looking for advice please. I've been getting bombarded with emails and letters from lantern, who say the acting for perch and are going to give me a home visit to discuss payment of a loan I had with Sunny for £439 years ago, will I need to speak to them, any advice would be great...thanks
-
Parking vs DCB Legal
Hi All, I received a claim from DCB Legal in relation to a parking incident that occurred in 2023. The claim form is dated 28 May 2025, and I submitted my Acknowledgement of Service on 9 June 2025. I am currently in the process of preparing and emailing my defence document. On the day in question, the vehicle was parked in…
