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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…
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1% challenge 2023
Welcome to the new home for the 2023 1% Challenge - 100 ways to make your 1%. This challenge was started a couple of years ago by Little Miss Uni Debt, I started using this challenge last year and found it really helpful in focusing on paying off a more manageable amount at a time! I’ve copied below Little Miss Uni debts…
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Parking Code evidence - your images of private parking signs are needed please!
This thread started life as a discussion about the DLUHC's Call for Evidence but EDITED 2025: Let's kick this off again in 2025 as evidence for the MHCLG for the Summer Public Consultation. We need evidence of private parking t&cs signs. If you take photos yourself, please show them as a screenshot to show the date a photo…
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Paying Road Tax Early
One of our vehicles is due to for renewal of road tax on 1st May. I understand that this can be paid two months in advance. To avoid the increases in April, I've considered paying this today (yup, I know it's just an additional £5) When attempting to do so online today (using the V5C), the DVLA website indicates that the…
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UKPC PCN - Hemel Hempstead
“UKPC PCN – signage barely readable at night and address errors – seeking advice before appeal” Hi all, I’ve received a PCN from UK Parking Control (UKPC) for “Not parked correctly within the markings of the bay or space.” Location: KD Tower, Hemel Hempstead Date/time: 10/02/2026 at 22:39 I’d really appreciate some advice…
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Feedback request on my defence to DCB court action - Myrtle street carpark liverpool
Background: used this carpark many times and it was free (to the best of my knowledge and Google searches) Myrtle street carpark in Liverpool, owned by David Charles brewitt and Alan James Beer. I was one of the first to get fined under the new system, I parked at night, briefly (to grab a hot drink) and left. The new sign…
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Accidently painted my living room black
Was trying to go for a grey and picked this colour https://www.diy.com/departments/goodhome-walls-ceilings-princeton-matt-emulsion-paint-5l/3663602401353_BQ.prd But instead it looks black. I'm hoping once it dries it becomes more like the colour on the tub. Luckily the carpet I'm getting is a very light shade of grey so it…
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What happened to the planned changes to cash isa limits etc
couldn’t find the original thread …. Whats the latest?
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Court Claim sent to old address..
I've received a Court Claim for a PCN from DCB LEGAL dated 28th May 2025. I have only just opened it, I moved address on 19th April and the post was collected by my old estate agent. What is my first move here to start dealing with this. Many thanks
