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Hi guys, how much will a Van cost me per year all Van related bills included?
So How much does a second hand van cost approximately? (about the size of a big single parking space sized van) How much does the insurance cost? How much does the road tax cost? Fuel? Its my 2nd vehicle , im 41, havnt driven in over a decade, I appreciate its hard to approximate here but I only need a rough guess (im…
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Euro Car Parks - DCB Legal LTD - Court Claim 2025
Hi Apologies for starting a new thread . Just looking for some advice . I have received a letter from the above which is a pre legal advice note ( Terminal Notice - Pre legal action ) , What would be the best way for me to handle this - They are wanting £170 from me for parking in Morissons car park ? Any advice given much…
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Renters Rights Act 2025 - an overview
I thought this article might be helpful in outlining some of the changes being introduced by the RRA 2025. Note that some elements are not being brought into force immediately.
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Offsetting Tax Against Buying Costs
I've started buying from liquidation auctions and then re-selling on eBay. Can I claim the buyer's commission cost and postage from the liquidation auctions against income tax? I'm struggling to find a correct answer online. Thanks for any replies.
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TV LICENCE SITE PERMANENTLY DOWN
Our website is temporarily unavailable. We apologise for any inconvenience this may cause. We are working hard to resolve this issue. Been trying to renew licence after threatening letter for over a week, anyone else having above message
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Virgin Media increased monthly price after moving home
Hi all, Earlier this year we renewed our Virgin Media contract at our old address. Virgin Media made several errors in not correctly applying the new contract price, which took several months to resolve satisfactorily (with them even refusing to acknowledge the contract they had sent to us clearly stating what was agreed).…
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Next steps; grip-relaxing bimbling, and avoiding the temptations
Time, I think, to start a new diary. My first was about removing our debts, paying off our mortgage and working towards, and through, the first few years of not working. I don't call it retirement at that point, because a wealth of volunteer activities were taken on or continued, and a number of hobbies aspired to or taken…
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E.On Next compensation
I've had a saga with E.On Next where they suddenly tried to back-bill me for £9,000 that they claimed was due to a prior adjustment going back to 2021. Now they've conceded they were wrong and we're haggling over compensation. After telling me I owed them £9k, they said they were putting my monthly direct debit up to over…
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Using carry forward
Hi, I’m planning to deposit my unused allowance (carry forward) from last year into my SIPP before the upcoming budget. I have a couple of questions: * Will I still receive 40% tax relief on the carried-forward contribution? * There are rumours that tax relief could be changed to a flat 30% rate in the next budget. If I…
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Debt, Endo and Reno
Hi! I’ve been reading different diaries for a while and think I need to hold myself accountable! I have a slightly odd set up as I live with the boyf, but have a house that’s now a holiday let/buy-to-let that I need to finish and get let out. I know evil landlord and all, but don’t want to put all my eggs in one basket…
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Is this RWG PAYG as ideal as it sounds?
https://www.rwgmobile.wales/webshop/offers/order-a-sim/The idea is to keep my daughter's mobile number 'live' while she is away travelling. I moved it to Lebara as that was well priced, and I use them myself, but she now ain't coming back for the best part of another year, so I'm paying out a few squid pm for now't.Is this…
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Starting the journey...the road is currently bumpy.
My debt has always been there, nothing major - the odd holiday on 0% which is dutifully paid off then rinse and repeat. Then things changed, 5 years ago I lost my mum to Cancer - she loved life and was taken too young. From this my attitude changed, holidays booked, things bought, paying for friends - I wanted to live in…
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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…
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Financial advisors wrong doing
Hi everyone, I’d really appreciate some advice or opinions on what might be reasonable compensation in my situation. I had a financial adviser who failed to act on my instructions for around three months. I’ve since discovered he has been convicted and sent to prison for serious child sex offences. During that time, I…
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Lloyds bank premier account and debit card cash back
Anyway to get cash back by paying money into a savings account with another bank / building society like Yorkshire for example via the debit card or would these be excluded from the cash backs? What would the MCC be?
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Am I entitled to a full refund on faulty goods?
On 2/9/25 my parents purchased an electric wheelchair with remote control. They reported the remote as faulty on 26/9/25. The company sent an engineer to inspect it on 29/9/25 and they confirmed the fault. My parents heard nothing more so contacted them again on 7/10/25 requesting a refund. The company said they would call…
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Damaged Passport Disaster
We arrived at the Singapore Airlines desk for our trip of a lifetime to SE Asia and were refused boarding because my husband‘s passport had a slight tear on one of the pages. Our Saga insurance (not open at weekends!) says that we are only entitled to a maximum of £750 in compensation for the denied boarding, and nothing…
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Tax on non-ISA savings interest
Hi, In January 2025 I got a tax bill for interest accrued on non-ISA savings for the 2023-2024 year. I agreed with the amount (£3668, of which £2668 was taxed at the 20% rate). My tax code was adjusted accordingly. A few weeks later in February 2025 I got another tax bill for a similar amount (approx £3100 interest) and my…
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Divorce debt be gone!
Newly divorced but with big debts to clear here - moving and divorce legal fees, furnishing and essential repairs on the new place for me and my 2 teenmonsters who live with me 50/50. I managed to secure a 0% 15 month purchases card a few months ago when I moved to pay for furniture and have just secured a 0% balance…
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Received court claim for a statute barred debt (Cabot / Mortimer & Clarke)
So I received court claim documentation for a defaulted debt from around 9-10 years ago. Mortimer and Clarke "solicitors" have recently started hounding me about it and sent the claim through the other week on behalf of Cabot Financial. I have never paid a penny to Cabot Financial towards this nor ever admitted liability…
