Recent Discussions

Anyone else got the email to inform them their credit card is moving from Mastercard to Visa? I have a Clarity credit card as I get free foreign transactions, which I thought was just a mastercard thing. It doesnt really say if this will still apply when switching to Visa, and even Halifax helpdesk werent sure when I spoke…

So, I haven't been great with money lately and my spending has got the better of me, coupled with the fact I took my eye off the ball and didn't budget for my tax payment this month 😬. I have managed to get it covered, but I need to pay attention to sort out my debt. In about 5 and a half years, my mortgages will be paid…

hello I am now in the stage of having received default notices, and letting them go through (aka the 14 days period) I’ve received letters saying the whole amount is now due and I am unable to make monthly payments. Do I wait for the DCA to send me a letter then set up a payment plan with them? NatWest had a default…

We've just returned from a 6-week trip from the Baltics/Finland. Plenty of time and opportunity to check roaming with the two SIMs in my wife's phone. Data was fine with both. We had a feeling that Spusu was quicker in getting a connect and also somewhat faster once connected. Both SIMs gave us a mix of LTE/5G and I…

Hi everyone, I’m taking the plunge and starting a MF diary as DH and I want rid of the millstone around our necks. We both work full time and are currently supporting DS2 who is in year 2 at uni. DD finished uni in the Summer and has a temp job so we aren’t charging her rent atm. DS1 lives with his GF so they are…

Hi all, I've been parking at a friends car park and my reg has been entered many times. I received a fine with Civil Enforcement and appealed it knowing (incorrectly) my Reg had been entered. I then appealed the fine with a copy of an email from my friend who rents the office saying I was allowed to park there and…

I have finally gotten some defaults now but I have a few questions: Q1) Opos Limited: I have started my first payment to Opos Limited collecting for JAJA CC due to them saying in an email that they have not been able to contact me and therefore have no option but to return the case to their client and advising legal action…

Currently on a debt management plan and have sold our house to release equity to pay off our debts. We have a couple of issues with this we owe 56k and have 50k available but I am currently 8 months pregnant and our car is broken - cracked windscreen, doesn’t lock, front door doesn’t close properly and we cannot fit all 3…

I used a free car park which bhas no payment facility in June 2025. Received. PC for staying 19min longer 2hrs max. Appealed pooor signage, wife had back pain attack included recent X-ray from ongoing evaluation/treatment and offerred to pay any loss suferred from the alledged extra stay. The appeal was rejected. I have…

I have a regular job and then self employed income too as sole trader. Income from self employed is about 25k from tax year. Overall income from both is over 100k. My understanding is I do not need to be VAT registered as sole trader as less than 85k per tax year earned as sole trader. If I have expenses, so for example a…

Hello! Please help, I'm freaking out EDIT 1: since posting I have now read the NEWBIE guide and will add comments as relevant to the bottom of this post I have been working away from home for about 3 weeks and have Returned to 6 letters from various companies, ZZPS, GCTT, and Oak Legal Services (all trading under the ZZPS…

Hi, I'm a long time lurker, first time poster. I have been enjoying this forum immensely over the last few years, especially since I saw the road to retirement end date in sight. So last week I am pleased to say I handed in my notice and triggered early retirement (ER) commencing in just over 3 months time. I have a…

Good Morning I have just read online that TalkTalk maybe going into Administration soon. Does anyone know if this is true? I've been a customer of theirs for years and want to know if I need to find a new provider now or wait and see what happens? I can't really be without an internet connection. I have about 6 months left…

New Beginnings So today is the start of our remortgage and as such I thought it would be nice to start a shiny new diary. Hopefully I can be reflective of the journey so far and make some new and focused goals. Just to bring anyone who doesn't know me up to speed. I am married, 2 kids, a dog, a house and an allotment.…

Halifax customers who use mobile and online banking services should move to the Lloyds Bank app before Sunday 1 November. That's because the Halifax app and online banking services will be axed from this date. Here's what you need to know. Read the full story:…

hello. I am new here - and hope I can get the correct advice as getting nowhere with the councils involved I own a place in city A together with my spouse I had to move to city B for work - I am renting we are paying council tax in city A and I am paying council tax in city B. Is this correct? Am I underpaying or…

Forum currently running very slow so I’m hoping this will post! Intermittent error messages including this one plus now cloudfare error. This is mainly happening when trying to view bookmarks

Hi From the Newbies thread I know I should complain to Sainsbury's first, but we weren't shopping there, just practising parking on a Sunday evening 28th June from 8.30 pm to 8.52 pm. This is the car park that the driving test centre use on the test so my daughter went there to practise. My local Sainsburys has a 2/3 hour…

[Image removed by Forum Team] Hi all Got a pcn at the mall. Can't find the original. Shocked by the pcn I checked my bank and found the payment. I sent them a screenshot thinking that would be the end. I do not recall if I identified myself as the driver somehow. I can't access the appeal. I recieved the below and so I am…

If I've opened accounts but missed the switch offers should I just close the account and wait a few years to the next offer? How can I tell when my previous accounts were opened/received offers/closed - and which is the date that matters for future eligibilty.