Recent Discussions

I am asking on behalf of a friend.. They were on DLA some time back, maybe pre 2016, and they got transferred over to PIP around 2016. Now in 2026 they have to do a new PIP form. I'm looking for what they wrote on the form last time. They have a file on their computer of a scanned in DLA form.. but not of a scanned in PIP…

Our 2 years fixed deal with Leeds BS is ending in January and my mortgage advisor is starting to look at rates for me. She emailed the other day to say could I speak to Leeds to allow her access as she couldn't check the account as there was a block that needed taking off the account. They called me from Leeds this morning…

My brother and I have inherited my dad’s estate after his death last year. Probate has been granted and IHT has been paid. The net estate (after IHT and some cash legacies) consists of a house valued at £600,000 and £300,000 in cash and equivalents. The will divides the estate equally between us. There is no mortgage. My…

Not sure if many of you will have tried the reverse-meal plan idea. Rather than buying all the ingredients you need to support your meal-plan, you look at your fridge, freezer and store-cupboard and meal plan from that, minimising what you shop for. Based initially on the fresh produce that would be wasted if it is not…

It's a funny thing taking a break from incessant forum posting. There you are, quite happily chuntering away with updates every day, when you decide to have a rest. One month becomes two and you discover that you can't really be bothered starting up again. A two-month break probably seems like nothing to many of you, but I…

Hi good afternoon all. I have just received a letter in the post from HM courts service. This was from Premier parking at The Wharf on bridge Street Birmingham. It says i was not parked wholly within the bay. What actually happened was we drove into the carpark. There was 2 cars blocking our way so we couldnt drive…

Booked in England to hire a SIXT car from Belfast City Airport. Form said for over 25yrs & 3+ years of driving. On collection of car all listed documents were checked ok, BUT hire refused because I and my co-driver were over 80. Nothing mentioned about upper age on booking form. Agent said it was in the T&Cs. These turned…

Hello, Need urgent advice as was thinking no way am I paying this and will see the copper in court but now I'm kind of caving in to pay it as is it really worth the risk of criminal conviction and much more money to pay over honking my flipping horn This is what happened as briefly as possible: Approaching a wide two lane…

Thinking of using payr to pay rent using my credit card. I'm happy to pay the 2% fee. Just wondering if anyone else has used it and how they have found it.

I have an NS&I Guaranteed Income Bond coming up for maturity. With everything going on in the economy, and the world, which rate/term would you choose?

I am self employed and opened a stocks and shares 'Fully Managed' Lifetime ISA 5 years ago (risk level top/10), as a pension fund with JP Morgan (previously Nutmeg). It seems to be doing well, but so do other options. I have 17 years left before I can access it. I am wondering if anyone has any experience of using this,…

So I increased my personal contribution from 3% to 12 or 15%. Company pays in 3%. Is this a good idea. Think might be stopping me saving cash which I may need if I get injured. Anyhow this equivalent pension type to my friend who works for council and council pay in 15% ? What I mean is, is it an accumulated pot type…

In July i won a £32 voucher for kids shoes on MD competition made for mums. The email gave the contact details of the prize giver and said i would get my prize within 30 days. Much more than 30 days past I emailed the prize giver, no reply. A couple of weeks later i emailed them and MD, no reply from either of them. I have…

Hi, I've been getting stressed about debt for a while now, and even though I've been subscribed to the MSE newsletter for ages, somehow didn't even think about checking here for advice! I moved into my first house a few years ago, and as I'd only rented furnished places before, owned basically nothing, and that combined…

I'm looking for some advice from anyone familiar with Visa debit-card chargebacks, particularly whether HSBC are correct in refusing/closing my chargeback. I paid On The Beach £6,251.49 for a package holiday using an HSBC Visa debit card. The payments were: 18/10/2025 – £120.00 14/11/2025 – £772.19 13/12/2025 – £772.19…

Hello, After 27 years with BT I have just left and will be taking my BTPS shortly. As part of the paperwork to take the BTPS it states that at the age of 67 (state retirement age) my BTPS will reduce by £1,349 pa due to something called the State Pension Offset. I certainly dont remember agreeing to this? Is there anything…

I’m looking for some advice about a parking charge and the costs I have been left with. A CCJ was entered against me in relation to a parking charge I was completely unaware of until recently. I applied to have the judgment set aside because I had moved house and my V5C/logbook had not been updated ahead of the parking…

Good evening I am in the process of drafting my defence for a claim issued by Civil Enforcement Limited. The charge was issued in 2023 and I intend to defend on the following basis: - the terms alleged to have been breached are not stated in the POC - the length of time that has elapsed means that the circumstances are no…

Hi all, bit lost with this one so any advice would be appreciated. My partner's had a PCN from ParkingEye, but I was the one driving. We pulled in at 10:59 and the car park was completely full. I had my father-in-law with me, who's disabled and can't walk far, and this was the nearest car park to his appointment, so we…

Yet another one from the lovely Elite and the estate management team at Eddington Cambridge which continue to make residents' lives hell. (And I continue to look for a way to sue them for breaching the estate deed, but barristers are expensive and I need to figure out how to crowdsource this…) My landscaper had been…