Recent Discussions

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.

Just wanted to hopefully enable others to avoid making the expensive mistake I made in using Emergency Assist as my vehicle breakdown/recovery service. I had the unfortunate incident of hitting a pot-hole last week, and when I called Emergency Assist to ask for recovery and to be taken to a local tyre replacement facility,…

I’ve lurked for a long time. I have no-one in real life I can discuss these issues with and thought it might be helpful to get it out of my head and on to paper. I am mid 40s, married, with two pre-teen children. We moved in 2017, with a 20 year mortgage of £140,000 and interest of £10 per day. We now have a mortgage of…

I am totally confused - booked BA flights to Montreal; returning via JFK premium economy both ways. Return flight was operated on BA behalf by American Airlines. At the last minute,at the gate, on our return we were downgraded to economy. Both BA and AA are passing the buck and neither admitting responsibility for the…

Afternoon all, I have had a read through a lot of the topics and it’s a great resource and full of great advice. I’m hoping for a bit of advice with my situation. I got into a bit of trouble back in 2018/19, leading to missing payments and subsequently defaulting on a few credit cards and a loan. I have since paid off all…

I parked at Tonbridge station in September. I always pay via the APCOA app while on the train into work. I do this daily. On this particular day the app was not accepting my payment details, I kept getting thrown out at the point of payment. Nothing wrong with the payment card as have been using it before and after this. I…

Hope everyone is okay with me posting this, @lucinad usually is in charge of the challenge but they have been offline for some time now (really hope they are okay, and are just taking a break!). ALL credit for this fun challenge goes to Lucinad 2026 League 🏖️August🏖️ 🥇1st. ally86 - £701.99🥇🥈2nd.…

Octopus have temporarily stopped switching / sign ups for their Flux tariffs. The following notice appears on the pages for Flux and IOF: Important: Energy prices are particularly volatile right now, so this tariff is temporarily unavailable. We’ll update this page as soon it’s available again.…

I purchased a 10 year old used vehicle in February this year for £4245. The car needed a major engine repair/rebuild due to excessive oil usage and the dealer took the vehicle back and did the repair. (within 6 months of purchase). The vehicle was in for the repair of 7.5 weeks, which I feel is an unreasonable length of…

Hi Guys, I recently received a PCN notice from APCOA about a drop-off at Manchester Airport. I know you can usually ignore APCOA, but I don't want it to escalate into a CCJ and affect my credit score. I've also been advised to appeal to APCOA, not admitting to who the driver was, and also asking them to provide the…

We paid our usual 6 monthly bill in July 2026. We were very surprised to receive a monthly bill in August 2026. After reviewing our online account we noticed the column on the left still stated 6 Monthly billing. So we took a screenshot and a photo before calling. 67 minutes later, after repeatedly being told you are on…