Recent Discussions

Hi, My fixed rate mortgage doesn't end until 1 July 2027, but I keep seeing in the news that interest rates may rise 3 or 4 times before then. My current rate is 1.9% and available rates at the moment are 4.5%, which will be a big jump in my mortgage payment as it is. Am I better off fixing now and paying the penalty fee…

Managers of active bond funds ask two basic questions: what is the risk of this company defaulting, and what does the yield tell us the market thinks is the risk of default? If the manager thinks the market overstates the risk, he is a buyer. This is essentially a mathematical exercise; I doubt fund managers sit down with…

On 12th August, 2026, our return flight home from Catania Airport, Sicily was cancelled by Easyjet due to Mount Etna erupting. We were informed of this just before 3pm, as we waited in our hotel for our taxi to the airport. We had booked our holiday through Lastminute.com and as they do not have a contact phone number, we…

Hi, I have always been with Flogas for bulk LPG (8 years), this renewal they don't seem as competitive as others, so I am considering switching suppliers. I currently have approx. 70% in my tank and my account is some £250 in credit. If I decide to switch how does the account get closed? Do Flogas estimate the amount of…

Recently assisted a work colleague with PCN which he disputed. Background: He was at an appointment, it over-ran and he was late back to the carpark. So he pays via the phoneline system to cover the extra hours - the parking company took a nominal payment of 0.01p out of his bank (there was an error with their payment…

For a couple of months I have been lurking and reading diaries which have been helpful and inspiring. I thought that I would start a diary to keep myself focussed on getting rid of the debts. I am a working mum, recently separated from my husband. I have a large family which makes for an interesting and busy life! I have…

Hi! I’m finally in a position where I can start making offers to my creditors. I have been on my DMP 4years and I still have 5y left on it. this is the letter I’m thinking of sending PRA group regarding my account. This is 30% of the total. Would you add or take away from it? “Dear Sir/Madam, I am writing to you regarding…

An example of how going to head office can be most helpful. I was charged for using a carpark without paying. This confused me, as I very much did pay and displayed a ticket. Turns out it was a major keying error. Euro Car Parks recognised and had record of my payment, however declined my appeal, offering the typical '£20'…

Hi all, so there were 3 attempts to pay a parking charge in a car park by ECP, the payments did not go through so left and parked elsewhere. I have proof of the 3 attempts, and the successful payment to park elsewhere. Two letters to ECP, no response to either, both email and letter with proof of postage. Now the first…

I had my sons car serviced through booking company Servicing Stop. When i received the invoice there was an Environmental surcharge of £85 plus VAT. When i asked what this was for they said it was to do with disposal of oils etc. So I went direct to the garage and asked them how much they would have charged and they said…

after a marriage breakup me and my wife remain on good terms and have both agreed we don’t want a divorce but from both our parts it’s important we split the finances fairly. We have agreed on a fair split and are thinking of using a prepared separation agreement template (from the law depot) then we will both take legal…

We put our house on the market in March after deciding it was time to move on and hopefully find the ‘forever’ family home. Fast forward to September and we hadn’t found the house and we were due to complete on ours. We made the decision to rent hoping it would be short term but the adjustment from living in a detached…

Hi, Warning, long thread, but I have tried to be as detailed as possible. Back in August 2023, I parked at Promenade Car Park in Perranporth, Cornwall. I paid for the ticket and I displayed on the lower part of the dashboard, to the right hand side of the driver side (if that makes sense) in a Peugeot 5008. I was sent a…

Hi all, some advice please. In a nutshell, a friends 17 year old son sat parked his car in a Total Car Parks whilst he took a foreign language student from his college to town, so she would get some documentation signed off. She took a long time and got lost, so he left the car to find her…. just over 30 mins in total. He…

Looking for advice regarding a very delayed food delivery and refund refusal I’m looking for some advice because I’m not sure where I stand with this situation. I ordered chicken through Just Eat. The order took approximately 3 and a half hours to arrive. According to the delivery information, the food was apparently…

I am trying to transfer my trading 212 cash ISA to another isa provider Kent reliance but I am unable to as trading 212 is not part of Pay UK. Has anyone have a similar problem with transferring cash isas? Solutions please!

i received a call today from Energy Action Hub, tel:01543 391162. They are saying that the government are offering compensation for customers with solar panels whose supplier has gone out of business. sounds fishy. Didnt give them any details. googled this and there are no schemes. Are people ware of any compensation ?. I…

Hi All I want to pay off the balance on my Mortgage as above. Any advice on the quickest way to make up the shortfall please? The 50k is just sat in a current account. Thanks

I live in a 2-bedroom flat and currently there are 2 occupants. Thames Water say that it is not possible to install a meter and therefore issue 'assessed' bills. According to the CCW calculator, based on our estimated usage, I should only be paying £553 a year. However, TW insist on basing assessed usage on the number of…

Hi, I have a Citroen Berlingo, details, at the end of this post. On 5th Feb 2026 our local Citroen garage carried out the work required by a safety recall, code NY5. Yesterday when I started the car after going to the shops I got an error code on the dashboard saying: "Engine fault: repair needed", next to a graphic of an…