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PCN from Civil Enforcement Ltd
Hi everyone 👋 I'm a Newbie as of today and desperately need help with a PCN from Civil Enforcement Ltd which has now reached the small claims track stage. I have returned the N180 form and emailed a copy to the Claimants legal team and in return and on the same day ( without a court allocation date ) they sent me their…
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Prosperous and Creative Soul Year 5
Close to 4 years ago I finalised my divorce and completed on my biggest ever mortgage - £202K and switched from interest only between 2 of us to repayment on my own. I took the term for as long as I could - so 22 years - which means I would be 73.5 by the time I was actually free. Then I owed c£1.5K on a 0% but had a £2K…
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Flying solo
I previously had a diary (well actually I've a few) but in June I had a big life shift which meant I disappeared for a while! I've had a few attempts at trying to pay off debt, made great progress and then progress stopped and the debt increased again. But this time I seriously mean business and I am determined to get this…
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Beavis case law
I am representing a relative re a private parking ticket that she got for not entering her VRN in the machine when entering a pub. The parking company are relying on Beavis, and I would dearly love to have access to as many judgments as I can get hold of that rebut the findings of the Supreme court when there is no free…
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DCB Legal: no LBC and Claim Form but different address listed
Hey, I’m fighting a PCN on behalf of my father. He received multiple letters, but he did not receive a LBC. Now he has a claim form from Northampton. The letter on the claim form has a different address compared to the previous letters issued by DCB legal. I also can’t find the LBC (even at the other address) what to do…
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Thomas Cook. Changing passengers details results in total booking 'refresh'
I booked a holiday with Thomas Cook back in October 2025 for the entire family - including partners / grandchildren. 18 in all at an 'all inclusive' hotel in Turkey we had used before. Five rooms in all. Two large rooms and the 'standard'. The booking was divided into two reference numbers, as the system could not…
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SIPP or Stocks & Shares ISA
I have been left 74K approx. There may be a little more. I'm 63 and not got much of a private pension. I've found the advice confusing but should I get a SIPP rather than a stocks and shares ISA at my age? I understand I have to pay in over 2 years so need to put some money into something else until I can get that far. I…
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No previous broadband?
Hi my dad wants broadband to his flat. However we don't know if there was broadband or not previously to his flat. Is there anyway to check whether it had it or not. There appears to a connection on wall which may have been for broadband but have no way to tell if it was 'live' or not. Looked at few broadband suppliers but…
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Buying property for father - multiple issues to consider
Hi, Apologies in advance if I've not explained this clearly or missed anything out. Situation is as follows: Father (75) is being evicted from his bungalow as landlord is selling (this move was trigerred by changes to section 21 and she got her notice in just in time to be ahead of the deadline). He has c£100k in a private…
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Make Me A Winner - General Chat
Instead of bumping the Make Me A Winner thread with needless chat about getting calls from someone other than the station and answering the phone with the phrase "Make Me A Wiinner" only to find out that it was a relative or your cats vet, please use this chat thread instead, that way the competition thread can only be…
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UKPA - Moorside legal - Money claim online
Hi everyone. Worked on a building site in metoer retail park, derby, last year. single road going through with an entrance/exit each end and main car park to the left, building site fenced off to the public and no parking signage put up within the confines of the building site. ANPR on entry and exit of the road, not the…
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Tayna Battery warranty
Right - like buses - another one from me after years of nothing 😂 5 years ago I bought a Varta car battery from Tayna - I went for the upsale as it had the 5 year warranty. Fast forward before Xmas the battery was struggling to start the car after 24 hours. No drains etc. put it on trickle charge over night was ok in the…
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Check Santander Edge Saver 12 month bonus has come to an end
Many will have opened a Santander Edge Saver (SES) just over 12 months ago @7%, 2.5% of which was a 12 month bonus. The 12 months is up which means your bonus will end and your interest will drop to 4.5%.The available SES has an interest rate of 6% including a 12 month bonus of 1.5%.To achieve another 12 months of 1.5%…
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Settled at mediation but letter has no details how to pay
Hi, Settled at mediation last week for £40 with Euro Car Parks. Letter provided by mediation service has no details on how to pay ECP!? Please help.
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Should PIN be sent by default?
I've had about 10 cards delivered in the last couple of months, every time the card & PIN has arrived in the same delivery. As many use apps and most of them you can get the PIN that way, wouldn't it be better in you need a PIN you can request it after card arrives.
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Not our debt
We recently received a debt letter from bwlegal who acquired the debt from JC International Acquisition on behalf of EE. We have never used EE and when we called bwlegal, they told us the original debt was for somebody at a different address but with my husbands name. We were advised to contact the police for a crn. They…
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Can I Embark on Equity Release with this Problem?
Hope someone can help! Bit of backstory…. My ex-wife and I have been divorced for fourteen years but never really settled financially. At the time of divorce, we owned two properties. A property 200 miles away in Dorset that my mother lived in, and was in my ex-wife’s name (for tax purposes), and is now worth £200k…
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Live in carers
Does anyone have experience of this type of service? MIL has Alzheimer's and we're looking at what options are available. Social services have assessed her needs and she can go into a care home but that leaves FIL at home, with his own needs. I'm wondering if it's possible for her to stay at home but with a live in carer?…
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My Citroen C5 2023 keeps pairing with my Honor phone Grrrrrrrr
My Citroen C5 2023 keeps pairing with my Honor phone Grrrrrrrr I've master reset all my phone connections and switched off my phone Master reset the Citroen radio which wipes all Bluetooth connections Deleted the Citroen app from my phone Left the car off overnight When I switch on my phone, start the car the Citroen keeps…
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Drawdown Planner Spreadsheet
Hi All, Does anyone know where i can get (or share) a drawdown planner, I've looked at many online but they seem fairly basic and cannot be customised for individual circumstances, plus quite a few don't not allow for inflationary effects, other income or income variation. I'm happy to pay for something that works. The…
