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At wits end..... c.30K HMRC debt - no idea what to do...
This will be long, and may ramble, but my brain is in bits over this... flicking from "it will all be fine", to circling the drain of despair... i have also done a fair bit of 'ostrich approach' but sadly it isnt going away. Arguably should have posted this a year (plus) ago and it could be in the HMRC section of the forum…
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NCF Living
I ordered 2 sofas from NCF living in nova 2025, i paid on my credit card and i received a text message from the delivery company furdeco for dec 4th. The day of the delivery i received a 2nd text saying the delivery couldn’t go ahead as ncf had sent furdeco a 3 seater and a 2 seater when my original order was for 2 X 2…
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Housing association rent arrears
Please can i get some advice, I have been a tenant with the housing association Leeds federation for over 20 years. I live in a 2 bedroom property and i have rent arrears due to the bedroom tax, but i have been on disability benefits for about 18/19 years. I was never informed by the housing benefit or the housing…
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INC vs ACC - are my sums right?
How do you estimate what income you'll get from INC versions of a fund, vs the ACC price. All my S&S are in ACC funds, and thinking of switching, but have I got the maths right. (appreciate this is all "in-hindsight" not what will happen) Take my HSBC Global fund The ACC version was at 273.52 in Jan 25 and now 296.65 The…
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Lebara Contact Form Not Working
We've got an ongoing Vodafone outage (36 hours and counting) and wanted to talk to Lebara to see if they had any idea how long it was going to last. I tried talking to a human but got a person in an Asian call centre who didn't seem to understand English. So I tried the online contact form. When I described the problem the…
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Main dealer 'drive away 5 day insurance'
My daughter is purchasing an approved used car from a main VW dealer this week and they offer 5 day drive away insurance which we intend to use to get it home and it gives us time to sort out a policy. I am sure the answer to my question below will be yes so this is a double-check/sanity check. With this in place is my own…
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Self Assessment "current position" - do I only owe this?
Hello, Hope someone can help. I did my SA return. It showed me the amount I needed to pay. But then later I went into my "current position" statement and it only shows I need to make a balancing payment in July and does not state any payment to be made by 31 January. I did have a credit balance, so I assume they applied…
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Parent savings account
Hi, My mum and dad have a joint current account and separate savings account. My mum needs to get access to his savings account. My dad has had a stroke and also has Parkinson’s because of these he hasn’t got much of a memory and can’t remember his password. The bank have mentioned power of attorney but my mum doesn’t want…
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Speaking for someone at a PIP telephone assessment.
Can someone please clarify if someone is allowed to speak on someone elses behalf at a PIP telephone assessment. Just doing a Google search produces varied answers. The person is my son. I am not his appointee in terms of having to sign his claims forms although I do fill the forms in for him as his writing is illegible.…
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Moorside Legal - Letter Before Claim - Automated response
Hi all, Quick summary : UKCPS issued a No Stopping "invitation to pay". Appealed to both Leeds Railway Station and UKCPS Appeals process for being stationary adjacent to the Drop Off / Pick Up area for the grand total of 37 seconds. Both rejected. Now have a LBC from Moorside Legal for an "unpaid invoice" and have just…
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Azure appeal
Been in an ongoing appeal with Azure as they sent the ticket outside the 14 day period and sent it over a month later. (Image removed by Forum Team) They keep pressing on who the driver was. What happens if I just never tell them? Here is my original appeal and the subsequent email exchanges: I am the registered keeper of…
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Transfer Sipp from HL to Fidelity
I am thinking of transferring my SIPP from HL to Fidelity and take advantage of their cashback offer. I am assuming there will not be any exit fee to pay HL? Fidelity states that the cashback will be paid 90 days after 05.04.2026, so I can leave after the cashback has been paid should I wish to?
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IHT - Proving purchases made on behalf of
How do HMRC treat purchases made on behalf of someone (e.g. online groceries) going back many years even, but where there hasn't been any explicitly logged recoupment of the monetary cost? Or where there is an informal/gentleman's agreement to be payed back "at some point" for all historic purchases made? It could be…
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Removal of Pre-payment meters
I would like to have the pre-payment meters removed in order that I can pay monthly. On contacting my supplier they said they will remove the boxes attached to my meters and install smart meters. I don't want a smart meter and cannot understand why they cannot just remove the attached boxes. Does anyone know why I cannot…
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Obligated to use BT/EE broadband?
I've been trying to sort out my dad's BT sport as he's out of contract. I'm being told by BT/EE that you have to use their broadband service to receive the sports, unsurprisingly they are more expensive than everyone else, why is this and what happens if you are mid contract with another provider? This seems somewhat dodgy…
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Most tax efficient way to draw down personal pension
I am 60, retired early and look forward to an NHS pension when I am 65. In the meantime I have a personal pension of about £70K which i would like to withdraw ALL as income between now and then (2030). I have no other income but living on my husband's pension. What is the most tax efficient way to draw down the £70K? -…
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DRO Approved - What Happens Next
Thankfully, good news was received at 11:30am today when the Insolvency Service approved my DRO, not something I'm particularly proud about but something I will learn from and already have. Question I have is what happens now in regards to the 12 month DRO period, will the OR be sporadically checking in on me ?? Will I be…
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Is this a fair quote for a porch build?
Hi all I have a delapidated side porch which I want replaced. A very slightly larger footprint (only by 2 square metres!). What I currently have: My dodgy photoshop mockup of what I would like (this is obviously very rough! But gives an idea): Floorplan (things have change slightly since I did this, but it gives an idea of…
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EE Dirty Tricks?
My husband just signed up for an MSE recommended sim only monthly plan with Lebara.. Good deal, free roaming and 10gb data. He applied for his EE PAC code and today EE rang him to offer him an improved deal with them ( not as good as Lebara) but also warned him that if he went over his data allowance with Lebara they would…
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Economic abuse
Hi everyone, I’m dealing with a disputed credit card balance linked to financial abuse and coercive control in a relationship. The matter has been reported to police and I’m preparing a formal complaint to the card provider after they sent me an initial decision they will uphold the transactions as I shared my card/devices…
