-
Moving on up! 🏡
As of this week, I am mortgage free! Unfortunately, that won't be for long. I currently live with DH and our 3 dogs in a one bedroom semi-detached bungalow with no garden or parking. It's what I could afford on my own when I first moved in back in 2019, but now it's time for us to save and move up the ladder. Ideally, we…
-
DCBL/Smart Parking Limited County Court Claim - Defence help please
Hello, I have read through the newbies thread as regards how to respond to PPC's, however, this incident occurred in 2021 and is now being chased by DCBL for their client and has gotten to County Court Claim stage. I have completed the AoS on MCOL as per advice given on this forum. I am currently using the template defence…
-
Road To Financial Recovery
Ah, time to get back into the race so to speak, can’t believe I am doing this again.It is time to start taking finances seriously again. It is a rubbish feeling to be back in a position where I feel my finances are back in a mess. There isn’t any major debt so that is a positive of course but feel like a plan is needed…
-
Can I reclaim the second home SDLT surcharge?
Hi all, Here's my scenario (including some rounded numbers, in case that's helpful) 1. I own my own home (house A) with no mortgage. Value £600k 2. I'm considering buying a second home (house B ), at auction. Estimated value: £600k 3. If I win the auction, I'll be liable for £20k of 'normal' SDLT plus £30k of additional…
-
Easter 2025 I’m coming to get you!
OK so that maybe slightly optimistic but you have to dream big! I’ve been reading these for a while and decided it was time to go public instead of lurking; hopefully I can keep up with it and keep motivated. I have a mortgage which is not huge but I still have one. Originally £80,000 in November 2015 and as of tonight…
-
Anti-money laundering system
We are currently trying to buy a house despite the fact out solicitor uses the Infotrack eCos system which requires an app on a smartphone. My first comment is use a different solicitor because the Infotrack eCos is so badly designed, buggy and unreliable. It also discriminates against elderly and less techno aware and…
-
Rejected POPLA appeal Stanstead McDonald’s
Hi everyone, I’ve been researching online and found many people who have been fined from parking in the McDonald’s car park near Stanstead airport. We stopped off at McDonald’s after our flight late at night to grab a bit to eat the car park was dark and I didn’t know there were two different car parks, the drive thru was…
-
Hideout
Thread for Hideout.tv, which pays for watching videos/ads. Promo code: STABLEREWARDS for 50 points. Valid until Sat 27th Apr, 11:59pm CST.
-
State Pension Tax
Hello, I saw the interview with the Chancellor and wanted to ask about an existing tax bill my mum have received. A bit of background, mum was a nurse in the NHS for over 45 years. She never paid into any pensions as she was made a single mum when my dad left and had 2 small children to raise so simply couldn't afford it.…
-
Retired and now alone. Comments welcome please
Hi. I was supposed to be the one who'd keel over first - but life happens while you're making other plans. I find myself at 68 (male) thus: House worth about 650k Isas 400k Other savings/shares etc 750k Pensions gross, private (from wife's) + state 30k pa. I have accounts at HL, ii, AJB,T212 (I day-trade, sometimes) which…
-
EDF FIT Readings Web Page Changed Again
I usually give my FIT reading to EDF on the 1st of the month every 3 months. Had the usual email from edf asking me to send FIT reading, takes you to a new web page now asking you to input account number and FIT Identity number. Never had to input account number before and the Identity number isn't as before, you can't add…
-
Floating Shelf Sloping down
Looking for a bit of advice. I've installed a floating shelf in my living room. It's a hefty bit of solid wood, 1.8m x 0.22mm. The shelf came with 4 supporting rod type brackets and the shelf is predrilled to accept the rods. I've drilled into a solid brick wall that has been boarded and skimmed. The rods have a screw end…
-
Claim Form for PCN received
Hello all, hope this thread helps anyone who is as lost as I am trying to find a way through this. In December 2024 I parked my car in a carpark that is supervised by Euro Car Parks Ltd. Having done so quite frequently and knowing that it allowed me to do so for 3h I didn't think much of it. Turns out that ECP changed the…
-
Advice on supplier refusing to refund or exchange shower tray
Hi everyone, we recently purchased a large stone resin tray from a well known online bathroom retailer, along with a number of other products. As advised we checked everything prior to install, all looked fine. Our plumber fitted the tray and has run water prior to tiling being done and it clearly has a pooling issue well…
-
Mis-sold my broadband?
(Sorry if you think this is the wrong forum but you will understand why I posted here shortly) Due to cash flow issues between jobs, Ive been making do with my mobile data, ensuring I have an affordable tariff that gives enough data so long as I'm not streaming excessively. Admittedly its annoying having to switch hotshot…
-
MET Parking via DCB Legal claim 2025
Hi everyone, I’ve received a Letter of Claim from DCB Legal. I’ve checked the forum threads but I’m still a bit confused about what steps I need to take next. Could anyone kindly guide me through the process? Thank you in advance for your help.
-
Urgent advice. DMP now or default first. Please help on a plan
Hi everyone, I’m new here. I’ve been reading
through posts over the past week and can relate to so many of your stories. I
thought it was time to share my own situation. Thank you in advance to anyone
who takes the time to offer advice — I really appreciate it. I’ve read that it’s often best to
let your creditors default…
-
Need to stop spending and chasing dopamine!
Hello! I’m creating this diary to hold me accountable, as I’ve been trying to pay this debt off for 3 years now and I just keep kicking the can down the road so to speak. The good news is it’s all on 0% interest. The bad news is I need to have the most boring year next year (aside from a holiday) to be able to pay it all…
-
UW changing my contract
Took out a rolling 30 day contract mid September Awoke this morning to an email at 5.03 am thanking me for changing my contract, 2GB less data and a whopping 160% price inclease. I did not change my contract, did not discuss any changes at any stage, I had a bargain, was happy with it. CS agent clueless, just coming out…
-
Equity resale to pay for care,( the the person is already in a care home )
Hello all, does anyone know of a possibility about an equity release or loan an against a property when the person is already in a care home. The property will be up but while waiting for the sale we need to raise fund to pay for the care home.
