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Money Moral Dilemma: What should I do with the inherited money that I feel guilty about spending?
This week's MoneySaver who wants advice asks.. I've recently inherited some money. It's enough to buy a new car, something I do need. But I feel too guilty to spend it - I would much rather have the person I inherited it from still here, and it breaks my heart even thinking about spending it, as doing so would almost feel…
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Money Moral Dilemma: Do I keep paying extra for trains and hotels to see my friend who won't commit?
This week's MoneySaver who wants advice asks… I live in the south and have a friend who lives in the north. I suggest dates and mid-point meet-ups early so we can bag cheap trains and hotels. But she takes ages to commit or suggests alternatives, so by the time we book, it costs more. I’ve paid up till now as I’m happy to…
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DCB Legal Representing Excel Parking - Defense Assistance & General Support Needed
Good evening, I have been following the advice of this forum to date. Last week I received a claim form after ignoring all prior correspondence. I have acknowledge the service of claim on MCOL and have drafted my defense based on the template provided. 1). I have seen that this should be sent…
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Informing of address change (or not)
A new thread as this is a general question. Question: Will informing the PCN/solicitors of an address change trigger them to wake up and pick up the case? The background - my PCN was issued in mid 2022, so it's been around 4 years so far, with 2 more years to go before the 6 year time-out. In November 2023 I had a Letter…
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Lifetime ISA and house in trust
I have inherited 50% of parents house when my mum died which is held in a discretionary trust. My dad is entitled to live in the house until he dies. Can I still use my Lifetime ISA to purchase my first home, even though I have 50% share of parents home in a discretionary trust.
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Failed appeal to Premier Parking Solutions Parking Charge
Hi, I am new to these forums, but after reading a link, I decided to appeal a private parking charge notice I received from PPS (Premier Parking Solutions). I have appealed directly to PPS and IAS and both have confirmed the original ruling stands. So I am assuming I still have to pay. To give an overview of the situation:…
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VARS Technology claim – Starbucks car park – signage unclear – defence help please
Hi everyone, I have read the NEWBIES thread and would appreciate some guidance before submitting my defence. Claimant: VARS Technology Ltd Claim type: Parking charge – alleged overstay Claim amount: £270 Issue date on claim form: 27 February 2026 AOS: Submitted via MCOL Location: Starbucks customer car park. The…
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Back again to win again. Need some advice. Thanks.
I'm back again for a second time. First time they pulled out last minute before court date. A win! Thanks again for all the help from this forum. Re this new one, I've acknowledged on MCOL so I have a little time to get my defence in order. Just want to check a couple of things. It's Gladstones (representing for Horizon…
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Civil Enforcement Witness Statement
Hi all, I received a PCN from CE for what we think was a major keying error. The initial notice was received after the 14 day statutory period, we appealed, and were unsuccessful but then could not do an additional keying error appeal. I found this forum after submitting my defence which was regrettable, but I have been…
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DMP, maxing credit and full and final offer
I have been reading through all the DMP posts and I see someone asked should they max all their credit before starting their DMP so they have a large emergency fund and can make full and final offers? Is this a route anyone takes? How early in could you make full and final offers? If you have a little lump sum available…
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Probate questions
My mother passed recently and having held the funeral, trying to get my head around next steps regarding the estate and probate. Do bear with me as I have various questions but any pointers/guidance that can be shared would be appreciated. I have issued the 'Tell us Once' notification to stop her pensions. I am the sole…
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Tip toe towards my goal
Well I read mortgage free diaries all the time and find them motivating. So going to do a diary myself and log how I get on. Property purchased five years ago for £155000 now has I think £119570.24. This was a five year fix and and at the end of December will have 19 years and 4 months left. It has interest at 2.99%. I…
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E.ON Next Fixed 15M v7 MSE exclusive tariff
Hi all, I've taken the plunge and late last night started the switch to this E.ON Next exclusive tariff, mainly because MSE suggested I could save £531 a year. It shows monthly DD of roughly £250 (£100 less than current provider's recommended amount) but I cannot find the actual unit prices and standing charges anywhere!…
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Mortgage Redemption
I’m planning to pay off my Nationwide mortgage in full this month (yippee!). Currently the money is split between different accounts (cash ISA and non-ISA savings) with different institutions, none of it in the Nationwide. Am I better consolidating it all in one account and making a single payment to Nationwide, or would 2…
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Mortagage at ages 65 and 71
What purchase mortages (if any) are available to us at ages 65 and 71? We would like buy a house in the £300,000+ range with a 50% LTV. We live in Wales, are legal UK residents (US citizens) and are both retired with a mix of US and UK pension income. (I tried contacting the mortgate broker who helped us with our current…
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remortgaging - interest only
i am hunting more info. Not for my own circumstance. More " did i hear that correctly". apologies if it's in the wrong box. once i have paid off my mortgage, am i allowed in retirement, say to borrow £20,000 on "interest only" basis. with that refunded (plus costs) when i die. I would then have extra money in my pocket,…
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Over annual allowance
I contribute to my employers pension scheme via salary sacrifice. For the last few years I’ve been fully utilising the £60k annual allowance so have very little carry over available. I’ve just realised that my final paycheque for this tax year will take me over my permitted annual allowance by about £2k. Although my…
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British gas DD - refunding and dropping my Direct Debit
First time on Direct Debit - always had a prepayment meter, but smart meter installed April 2025 I changed to Direct Debit. Just had an email from British Gas saying they are going to refund me £431.00 and reduce my DD to £35.92, but I am not sure if I want it too happen or not. Curious what others would do? Current…
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Saved £400+ by doing my own new build snagging
Hi all, Moved into a new build last year and like a lot of people on here, I looked into professional snagging companies. Quotes were coming in between £300-£600 depending on the company, and honestly for a 3-bed it felt steep on top of everything else we'd already spent. I decided to do it myself but quickly realised the…
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Civil Service McCloud lump sum confusion
Myself and my wife have been planning for retirement (I'm USS and she's Civil Service). She has been subject to the McCloud remedy but we have been going round in circles as to what this means, and the Civil Service pension modeller is not helping. The first issue is the lump sum (I tacked this onto the end of someone…
