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Azure Appeals Page
I have read the FAQ's and am going to lodge an appeal, however I have a question about how to do that. On the web page for Azure Parking, they now explicitly ask you if you were the driver. I do not plan to admit who the driver was, so should I put no? If somebody did put no but was the driver, would that cause problems…
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Results of Government consultation re IHT on pension pots today
https://www.gov.uk/government/publications/reforming-inheritance-tax-unused-pension-funds-and-death-benefits/inheritance-tax-on-unused-pension-funds-and-death-benefits#general-description-of-the-measure Key point of departure from original announcement, the liabilty has shifted from the pension scheme administrators across…
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UK based domestic VoIP provider
Any suggestions for a UK based VoIP provider, simple requirements are: * Single User (single SIP trunk) * Multiple endpoints (say two) * Two incomming numbers
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The best mince pie pastry ever?
My elderly neighbour has at last given me her recipe for her mince pies. Do try it, I promise you will be surprised by how excellent it is. I will reproduce it exactly as she taught me yesterday. Yield - 3 dozen pies. 1 lb Self raising Flour 8 oz Trex 4 oz caster sugar 1 egg little water 2 jars mincemeat. Rub fat into…
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Pension tax
Cashed in pension where the hmrc took £17000 in tax filled out p53z to claim back states online applications 5-10 days just looked they are still dealing with October 25 ones , they are quick enough to demand payments owed to them in 7 days why not the same for them
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Spin to win - how do they work?
I've often wondered how these work? Are they completely random or are prizes set off to be won after eg 20 spins, 100spins 2500 spins etc. or at particular times of the day? does anyone know?
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FAS (PPF) May Start Offering Inflation Increases on Pensions Prior to 1997
Just got an email today from the FAS to say that there was an announcement about pension inflation increases (capped at 2.5%) for service prior to 1997. I have no idea if I will benefit (all mine was prior to 97) or if it will just be future members when they reach pension age. Dear Mr ...., I’m writing to let you know…
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Obtaining car ins when over 80 years old!
I've had 2 car insurers refuse to give a quote on my 2013 Mazda 3 for the coming renewal year(one was Go Skippy, my current insurer? I've obtained a new insurer at a very good amount, it will start on the 20/12, hopefully as I am 80 years old next March they won't cancel before the start date(I've paid for my new ins…
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Bank Account for Discretionary Trust
Hi, Our father passed away 7 years ago and the will arranged for his half of the family home to be protected by a Discretionary Trust. Our mother, after an extended hospital stay is now in a nursing home. We need to sell the house to fund the home fees. On sale, half of the home will go into a Discretionary Trust. We'd…
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Progress is...
Starting a Mortgage Free Diary!
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MSE News: Martin Lewis: Is a Lifetime ISA win coming in the Budget?
A penalty paid by first-time buyers accessing savings in Lifetime ISAs (LISAs) when buying homes above the scheme's £450,000 property price limit could be scrapped, it's been revealed... Read the full story: 'Martin Lewis: Is a Lifetime ISA win coming in the Budget?' If you haven’t already, join the forum to reply.
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buying 2nd hand car - Focus vs Cee'd
I've narrowed down my next car to either Kia Cee'd or Ford Focus. I currently have a 2013 Kia Cee'd 1.6ltr CRDi diesel which is going to be a write off. I'm looking for a slightly newer version, say 2015 reg. Ideally: low road tax, great economy from 1.6ltr diesel. Cee'd has a chain belt which does not require changing,…
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Reply from Lowell
Sent a ProveIt letter to Lowell, for a debt that defaulted in 2019 (has come off my credit report) but had been paying - last payment was in Jan 2025. Received this in response - is this sufficient to prove the debt? (2. Is their claim that I was paying the debt enough to reset the clock for Statute Barring, or can I ask…
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Help Needed: UKPC/DCB Legal Court Claim – Moving Into New Home (5 PCNs)
Hi all, I really need help drafting my defence for a parking case filed by DCB Legal on behalf of UKPC. Here’s the full situation: * I moved into a new apartment and got my keys on 22nd April 2025. * Between 24th and 27th April 2025, I was moving in furniture and belongings. * The building has underground parking, but it…
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O2's hiking its prices – but you can use this to haggle down your costs
O2 is notifying customers that they can leave their contracts penalty-free because it's hiking its existing price rise. Up to 15.6 million O2 customers will see their bills rise by 40% more than they were told – something MoneySavingExpert.com (MSE) founder Martin Lewis is up in arms about. Read the full story: O2's hiking…
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Can I count brokerage monthly fee as cost in tax return?
As titled, I am using interactive investor and they charge a monthly subscription. May I count that as the cost, since it offsets part of the transaction fee? If yes, what's the best way to split them between different taxes (e.g. capital gain/interest/dividend) if there is more than one?
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Parking Ticket -DCBLegal\G24 - Mediation Stage Complete
Hello My wife is one of many that have just received the first notification letter, ‘Notice of debt Recovery’ from DCBL.. This is from a parking offence alleged in 2019. Looking forward to going on the journey with everyone on this to win another one. Seen some amazing stories. Since 2019, we have moved, therefore to…
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AJ Bell ISA dealing fees
Given that they charge £1.50 per deal and I’m investing cash monthly, is it more beneficial to swallow the fee and buy monthly, £200 to a single fund (will be £350 from April) or buy every 3/6 months to save fees? I’m guessing that time in the market is more important than saving £1.50 a month?
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lodgers and cooking on the landing
I've searched the net in vain for an answer to this, so thought I would ask on here. I have two lodgers on the top floor of my 3 storey house. On the top landing is a small kitchenette with cabinets, sink, fridge, kettle, toaster. I supplied these to save lodgers having to come all the way down to the ground floor just to…
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Problem setting my Trading 212 ISA as a payee
I've just opened the Trading 212 Cash ISA and I'm trying to deposit funds from my Halifax current account. When I use the sort code and account number provided by Trading 212 (for JP Morgan Chase) to set up a new payee in Halifax, Halifax notifies me that the details are incorrect. It does recognise the sort code as for JP…
