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Autumn Budget: Cash ISA limit cut to £12,000 a year
How much you can save into your cash ISA each year will be cut from £20,000 to £12,000 from April 2027, the Chancellor Rachel Reeves has confirmed – though only if you're under 65, a caveat MoneySavingExpert.com Martin Lewis had called for. The change was announced on Wednesday 26 November as part of the Government's…
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carflow / bpa - entered wrong hours
my partner recieved a pcn from car flow. approved operator - bpa / healthcare charter parking. she works across various hospitals in the region and sometimes uses these car parks. she was using a hire car at the time - the company have given car flow the details who have now directly sent across the pcn (unsure how…
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Gilts - pricing
Been looking on Bell at the gilt offerings they have. Quick Q - I am assuming the prices for older gilts issues are all dirty and include the accrued interest?
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claim form received and AoS done and defence due on 1st Dec
Hello everyone. thanks for your help in advance. I've done the AoS. now is preparing the section 2 & 3 of the defence as instructed. the true situation is I paid the parking fee via app. but when I tried to extend the time, the app was loading & can't be opened. do you think this is a good reason to defence? I have the…
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PCN appeal help - ParkingEye
Hi all, I have had a Parkingeye PCN appeal rejected and am
looking for some help or guidance! I have read the newbie section and tried to digest as much
as possible. Here are the facts / timelines: I parked my (company) vehicle at a private car park
overnight with the intention to stay for 48 hours, but was limited to…
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Residential service charge _ is there a published index?
If I wanted to gauge/benchmark the reasonableness of a service charge, is there a UK index that gives typical charges as a function of location and development size? E.g. 2 bed flat in a 15-storey residential tower in London.
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Civil enforcement error
I am sick to the back teeth now of constantly defending these trumped up charges... Why do the dvla release my details In the first place to these cowboys.. See the letter I received today, pulled over for the grand total of 12 minutes 12 seconds... to use my phone on the way home.. And apparently I've exceeded the 90 min…
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Teacher Pension annual allowance charge
Anyone got a letter from the Teacher Pension scheme to say that they may have an annual allowance charge because of the ruling on the transitional protection? If the charge is due to this ruling, then surely the member should not be liable for the charge as it wasn't their fault and was out of their control?
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88 year old driver car insurance claim - impact on renewal?
Would anyone know how car insurance price or insurability may change if an 88 year old driver claims. My parent, 88 years old, nil previous claims, hit a wall avoiding another car (which didnt stop). Damage is relatively minor but will need a replacement bonet (which is creased) and some other parts. Local body shop…
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Probate Forms
Hello everyone, after having my Dad's house valued yesterday I am now in the position to fill in the Probate forms. I was just interested to hear from people who have done this online. Can you go through the form first to make sure you have everything to hand or is it a one shot deal were you have to complete it all the…
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Visitor Permit Parking Contract Condition Change without Notice to Residents
Dear MSE Forum, Any feedback on the PCN detailed below, would be greatly appreciated. :) Car park management company: NPCBasis for appeal: A contractual condition change (length of stay for visitor permits) was not communicated to residents or regular visitors and was simply amended on the signs (Using stickers as shown in…
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Tax Code changed due to Personal Savings Allowance
Hi all I've had notification this morning that my tax code is changing due to "Untaxed interest on savings and investments". I made an error and went over my personal savings allowance but about £150 for last year. However, as I understand it, they'll now assume this will happen every year going forward. It won't, as I've…
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Transfer ISA to surviving spouse after death
Anyone know which financial institutions allow the transfer of an ISA to the surviving spouse of a departed ISA holder, ,, Many don't allow this but I believe quite a few do ??? Thanks
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Debt, Endo and Reno
Hi! I’ve been reading different diaries for a while and think I need to hold myself accountable! I have a slightly odd set up as I live with the boyf, but have a house that’s now a holiday let/buy-to-let that I need to finish and get let out. I know evil landlord and all, but don’t want to put all my eggs in one basket…
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Asbestos under Gas meter
Back in January 2025 British gas our supplier was knocking on doors in my street. So they said to me because of the gas meter being so old and the government mandate we need to be swapped to smart meter. So install was booked for march . The engineer turns up and having more seen there is a asbestos plate sitting under the…
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Finally taking back control after a decade of debt
Hello, Long-time lurker, first-time poster. I've had CC debt ever since moving to London after university around 9 years ago. Coming here for work on a very low wage, I quickly ate through my savings and started racking up debt on credit cards, without any real means to pay it off. Came to a bit of a head when I ended up…
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Horizon - Co Op - Parking Charge
Ive helped win a couple of parking charges over the years for family, so have been approached to see if I can help with this one. My optimism is low from what I can see, but I wasnt going to give up without trying ! Even though its a lower £40 fine than had previously. Basically, the Co Op store has a free 90 minutes…
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I've been a bit silly....
Hi all, just want to check something as I believe I understand the process etc. Received a letter from DCBL on behalf of smart parking for an unpaid PCN over a year ago. I never received the original PCN as I forgot to update my address when I moved house. I did some research and found out where the incident occured- a car…
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Over 35 days since appeal to PPC
Hi all, I received an ANPR PCN from Britannia Parking. There was no windscreen ticket. The Notice to Keeper arrived on Day 16 after the parking event. Following the guidance in the NEWBIES thread, I submitted an appeal as the keeper. • Appeal submitted: 26/09/2025 • Britannia response (not a rejection, no POPLA…
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Abandoning a regularisation certificate application
Hi, I recently purchased a home in Bristol (within the South Gloucestershire County Council area). During conveyance I was informed that the loft conversion was not built to building regulations. Stupidly, at the time, I did not get an indemnity policy. Even more stupidly, I later contacted the council regarding the…
