Recent Discussions

Hi guys, I've been reading through the newbie thread, but unfortunately my particular combination of ADHD and Autism is making it extremely challenging to absorb information and engage with the advice unassisted! There's an enormous amount to read, and I've been struggling to focus on it and understand relevant next steps…

I won a prize from a puzzle in The Sun last month. The email asked for my bank details and said I would receive the payment within a month. It's been about six weeks now and it's not arrived. I double-checked my details and they were correct. How soon is too soon to email them about it? And what is the best way to word it…

We were booked on SunExpress XQ584 from Antalya to Bristol on 15 August 2026. I was actually meant to be on the XQ584 the prior day but I spent 45 minutes queueing up to checkin to be told the check in is already closed...but that's mainly my fault! Anyway, while waiting to be board we noticed a lack of any SunExpress…

Hello, I opened a fixed-term cash isa with Santander in the mid of Sep with 0 balance and the money transfer of the cash ISA from another bank was finsihed on 25 Sep. Now Santander's fixed-term cash ISA interest rate is increased from 4.65% to 4.80% now. Is my cooling period passed? Can I upgrade my cash isa with them…

Hi all, I’d really appreciate some guidance on my situation. I am the registered keeper of a vehicle that received multiple PCNs from a NCP car park around October 2025 (total of 11). These were all issued over a relatively short period. The cause of this was due to the auto-renew feature on the app being off, as I had a…

I’ve received a County Court claim from Civil Enforcement Ltd regarding a parking charge at a Starbucks car park. I’ve already filed the AoS on 15th Sep. I’m now at the defence stage and need some help. To give you the context, this was three years ago (March 2023) around midnight. The car was a motability car parked at…

Hi - My fixed term mortgage is coming to an end at the end of April next year when I'll be in the fortunate position to have enough savings to pay it off, if I want to. HOWEVER, this would leave me with a very small savings pot and there are a few things that need doing to the house like windows and repointing which I…

I initiated a switch in November to a cheaper tariff with my existing supplier British Gas.At the time it did say you would qualify even by switching tariffs with the same supplier. am still waiting for my cashback over 6 months later. Getting no help from either Energy Club chat or BG as they say it’s a third party switch…

Can a mainly trade business sell to a private customer without saying VAT will be added? I bought goods from UK website selling mainly to hospitality trade, but also accepting private orders, ie I didn’t have to supply a VAT number, or otherwise prove I was trade. After buying it - I realised they’d added 20% VAT - even…

I’m not sure if anyone has any experience or can signpost me in the right direction. Being chased for a Capital Contribution order of nearly £150k that I knew nothing about regarding Legal Aid from a company called Advantis. Thought it was a scam but unfortunately it’s not. All relating to a historic court case (don’t…

Hello everyone. I find myself in a position I never anticipated. My spouse and I are getting a divorce, and we are expats living in Europe. The emotional toll is heavy enough, but the administrative side is truly terrifying. I have no idea how asset splitting, alimony, or legal custody work under the local laws here. I am…

My parents owned their property tenants in common 50% share each. My dad died in 2016 with the value of his share being in a protected property trust in the will with my mum having a life time interest in the property until her death My mum has now died so my question is regards the gross probate value. The value of the…

Hi, Couple of questions if I may. I'm preparing a defence for a claim by Horizon/Gladstones for a parking overstay. On the day in question, my wife parked in a supermarket car park, shopped at the supermarket (we have evidence) and came to visit me in a nearby hospital. I was in intensive care at the time (fully…

Hi, I’m hoping to get some advice or recommendations. I live in a one bedroom flat in a two story building, the building dates from the late 1970s and has communal heating and hot water. We are slowly renovating our flat and we're currently working on the kitchen. There's an unmetered gas pipe which comes out of our…

Are they all phone-only (with all that entails) ?

Recently moved from Scottish power to utilita .suddenly scottish power now we saying we owe money.even though we on prepayment meter how is this possible??.

I'm exploring a tactic: Breathing space Setting up DMP via Stepchange If interest and charges are not frozen by the creditors, self managing and then defaulting What I would like to know is if anyone has experience of deploying this sequence (or similar), either accidentally or on purpose. As per my original thread, my…

Morning all.

I'm after some advice, if possible, my father passed away in June 2024 in the UK and he had a Norwegian pension from when he worked there 40+ years ago. I've contacted the company over the phone and sent his death cert, however they don't accept ours as certified copies as they have different policies. Any advice on what I…

I received an email yesterday saying that there had been a change to my credit report so I logged in to find out what it was. There was a line saying the following. "A new opus public utility account will be added to your next report" I thought this strange since I haven't opened any new accounts recently. I had to Google…