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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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22 Foxhole East
I just made my first mortgage overpayment. We bought a 5 bed Victorian terraced house in the East Midlands in April 16 that has been badly neglected. It needs everything doing, it has been let out on a room by room basis and used as a rental machine. Now it is our family house (4 kids = one bedroom each!!). So far I have…
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Halifax login
Hi. Just wondering if anyone else has noticed when logging into Halifax it now states you don't need a password? Seems a bit strange to lower the security and also not inform me about the change. Anyone else has this?
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Body work repairs
Hi I recently cleaned my car and I was shocked at so many scratches and rust. The two main ones were caused by other drivers on two occasions. Car is 14 years old. Does anyone know roughly what a body shop/garage would charge to repair these? I’ve done home/DIY body repairs previously but I no longer have the open space…
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MCOL Claim form received
We have received a claim for a 2year old parking charge. We did not receive any initial ticket or reminder, only multiple debt collector invoices. There has been no admission of who was driving or any correspondance from our side. The court documents are in my wifes name (registered keeper) We have done the acnowledgement…
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Universal Credit Managed Migration - I'm on the sick but they want me to work
I received the letter about legacy benefits ending and that I have to sign on to Universal Credit via managed migration a few weeks ago. I have been on Income Support and then ESA for the better part of 20 years (since 2005) because I've been on mental health medication, but in that time I have been volunteering at charity…
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Help with Defence for Parking Fine - Bay Sentry Solutions / dcb legal please
Hi Last November I made an emergency stop because of a medical condition on what I thought was disused land. In my haste to park and run across the road to a cafe facilities I did not see that I had parked in a No Stopping Zone. I had literally driven into the entrance and spun round facing back out towards the main road.…
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Weekly Flylady Thread 13th April 2026
Thank you, Valli, for last week's thread. What is FLYLADY? Well, it's our version of the US flylady idea - but we work on the principle that housework is not fun, it's boring, can be time-consuming, is often thankless but, unfortunately, necessary. It's here on Old Style to provide the support we all need and to make the…
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PCN from 4 years ago???
Hello, I wanted some info regarding statutes of limitation and if there are grounds for me to appeal this PCN that I was emailed about. Allegedly a parking notice was sent to my address at the time the parking incident happened however I cannot recall if it did or not since it has been 4 years the parking company has now…
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Old Parking Charge that I didn't know about
I received a letter yesterday, and it seems it's a County Court Claim, for an unpaid Parking Fine. Now this is the first I have heard about this, and received no letters from the company in question. The company is Parkingeye Ltd. If I had received the initial fine, I would have paid it straight away. I'm guessing the…
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UKCPM, B W LEGAL moneyclaim 2025
Hello everyone, I hope you are well. Thank you very much for all the helpful contributions here. Unfortunately for me I did not find this previous to my appeal so went through that malarkey! This is my first time posting here and I have a couple of problems, please may I have your wise advice! First: The parking permit…
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Haggling with EE with multiple networks in the area
Has anyone had any luck when haggling with EE? Where I live, there are three fibre network providers: OpenReach, CityFibre, and County Broadband. After a lot of faff, Openreach finally managed to thread the fibre to my house. Now I'm more than happy with EE, but has anyone managed to haggle with EE when in the CityFibre…
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Scottish Power RTS replaced with Smart Metre
I have had my RTS metre replaced with a smart metre by Scottish Power, they didn't tell me that I would need to install a timer for my heating and hot water as the water is heating 24/7 and my storage heater is on for the full night rate - 11pm to 7-30am in winter or 12pm to 8.30am in summer, because I didn't find out…
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There and back again...reducing the mortgage to manifest our forever home
Have been a long time lurker on MSE, and DP and I bought our first house together in March 2025 with a mortgage of £190,000. Had many plans for overpaying, what we wanted to get done however life has had other ideas so starting a diary for the first time to try and help me keep on track. We did manage to OP £3500 in 2025,…
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Not parked within markings - pregnant with children.
My heavily pregnant wife received the attached from UKPC with reasoning ‘not parked correctly within the markings’. This seems very unfair considering this car park does not have any parent & child spaces, and the adjacent car is very far over (almost touching the boundary line) limiting access to safely remove our 2 young…
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We will get this debt down & the savings up
Several years ago I joined MSE with a different user name, but then it all went a bit wrong with losing job and other things, so I sort of fell by the wayside. Now I have created a new profile and am starting again with more determination. I have read so many people's diaries and can see that it helps you focus and it is…
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Tax on a prepaid card for charity
I work as a volunteer for a small registered charity. If our charity was to put money onto my personal prepaid card (Revolut) for purchasing goods for charity purposes, would HMRC regard that as taxable income? I would have receipts to prove all purchases. In a typical year this could be as much as £20 - 30K in purchases.
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Is this a successful business
When assessing a limited company's accounts how whst info do you look at to assess that? How about this company?
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Progress is...
Starting a Mortgage Free Diary!
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Parking fine, now with DCB Legal
a bit of a long one, but here goes. Moved area and parked in a well known supermarket carpark. Owned by eurocar parks Although I’d never heard of it before, this one required a pay and display, which I didn’t do. I bought my items, and left. Due to moving house, and updating different bits and pieces periodically, the…
