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Ryanair - removed from flight due to my seat not existing! Claim going nowhere...
Hi, I will try to be brief - I could go on about how Ryanair treat people in this situation and how their entire staff lie and manipulate to get you where they want you to be but they won't care about that so I'll stick to the factual stuff. My wife and I had a flight booked with them from Manchester to Berlin. After…
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Defaults and CCA Agreements
Hi everyone, just joined here and looking for some advice. in 2019 I incurred some defaults on credit cards. I have been making minimal payments every month to the debt collection agencies. I checked my credit file today and notice the defaults are now not showing. I read soemwhere about requesting the CCA's from the debt…
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Under paid income tax 2024 - 2025
Had a letter from HMRC, who have advised me that I have underpaid income tax by £637.60 Income - £49582.91 Deductions £312.00 - (unknown - edit now known as Job Expenses ?WFH allowance) Tax allowance - £12570 Taxable income - £36700.91 Tax Paid £7340 (correct at 20%) Adjustments - £1168.20 (unknown - edit under payment…
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Old Style Daily Friday 01 August 2025
Pinch punch first of the month. August already! Morning all.
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Are "Free Spin" offers just a rip off?
Are all these introductory offers from gambling/Casino sites just a rip off? I realise long term there's only one winner when it comes to gambling but I assumed these free offers were a way of drawing mug punters in and were "legitimate" so to speak. Having just signed up to three well known "reputable" sites for their…
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How to get rid of weeds?
In the past I used to pull out the weeds by hand and use a weedkiller from supermarket. Now in my 60s my back is not what it used to be. Seen a weedkiller at screw fix which sounds powerful enough. Comes with a pump etc. Is it best to spray on weed or pull the weeds out and spray around the area? They grow between paving…
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Calor issues help and advice
Good day. Basically I'm in a 2 year contract with Calor. This is due to end in December. The gas in the tank I had before the issue will last until then. Calor lorry rolls up last autumn dumps 636 litres of gas BY MISTAKE into my tank. Should've been delivered to the neighbours tank. Calor admit the mistake. Invoice ME for…
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Where can I get advice?
Hi Years ago, can't even remember when, like 2020 I got a parking ticket in a private carpark. I HAD paid £1.20 for 2 hours and only stayed 40mins. It was a machine you had to put your reg into, so I wrote to the company to explain that I had paid, asked them to check my old regs just in case I'd put the wrong one in, we…
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UKPCL and DCBLegal - Defence Guidance
I received following POC mid December and submitted AOS in time. I am now preparing my defence. I will be grateful if someone could please review my defence, and provide feedback in case changes are needed / text needs to be added / removed. Thank you in advance. From defence template I have: The facts known to the…
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HMRC Capital Gains Tax example
I thought I understood how the relevant CGT rates are determined. That is basic rate (18%) applies to any gain where the total gain (net of £3,000 allowance) plus taxable income (net of personal allowance) are less than £37,700 (current basic rate level). Where these total more than £37,700 then, where the taxable income…
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Commercial or residential mortgage? HELP
Hi all. We are trying to buy a country property that consists of a house with a garden and behind that some land that’s run as a business. The house has a covenant on it saying it’s only to be lived in by the people running the business. Does this make it a residential or commercial? We have been trying both but being…
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Gifting from excess income as a couple
My wife and I have a joint accounts and a joint credit card. As well as that we have our own ISA’s which produce some income and we also make small lump sum withdrawals from a SIPP (approx £10k per year but generally for one off spends over the last couple of years - e,g. Daughters wedding, special cruise) By far the…
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Deferred pension poor performance
Hi all, I worked for Npower for around 10yrs, in that time I joined their defined benefit pension scheme. It wasn't great as they (Npower), paid 0 in. I left in 2019 & the pension then was £3985 pa lump sum £0 today when I have logged back in there is a retirement illustrator which calculates if I take my pension at 65…
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IHT – unmarried and childless? Discriminatory IHT .. needs reform !
Hello, a very long time lurker .. first time poster .. so please go easy ! As it stands, my understanding is that members of the “unmarried, childless population” people don’t get the additional “benefit” of the £175k Inheritance Tax Residence Nil Rate Band (RNRB), so are stuck with a measly £325k IHT limit and then will…
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Balance transfer
Evening, I have a 9 month balance transfer offer from Vanquis. Took this and went to transfer a balance. Looked like this was successful but now it won’t me do any more and it was only £669 when my available limit is £2,000. I wanted to transfer at least one more balance from another card. It would only be £400. Do you…
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Building Insurance
If someone buys a property then discovers an issue which they refer to their Insurers, do the Insurers then go back to the Vendor even if this was an unknown issue to them?
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Private Sale After Listing
Timeline: - Friends with Person A who have visited house previously - Person A learns we are selling but isn't in a proceedable position so house is listed with an EA - Sign 'Sole Agency' contract and the only remarks I can find relating to this ''if a buyer is introduced either directly or indirectly by ourselves or any…
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Power of Attorney
Please would someone help me. Via our solicitors, I am dealing with an Attorney who is acting on behalf of her husband. The Power of Attorney was done when the husband had capacity but has now lost capacity. The POA states that he has complete control over his affairs whilst he has capacity - his wife can only do what she…
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Product Transfer Halifax
Hi Guys, Newbie here looking for some advice Our current fixed rate of 5 years is due to end 31st December 2025 We are looking to fix again for 2 years but due to a lot of changes that have happened recently, we have decided to do a product transfer and stay with Halifax I have recently started a new job, and only here…
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Ex-partner's home insurance on our jointly-owned property
Apologies if this is a bit long but here's the background story. My ex and I broke up at the end of last year. I moved out, and she is still living in our house with our son. I pay my half of the mortgage. She pays the bills and has taken out her own home insurance policy in her name. As a co-home owner, I believe I am…
