Recent Discussions

I've known that this diary needed to be started... But I've run away from the idea as the accountability made me nervous and I didn't think anyone would want to read it. But then I realised it would be financially and mentally therapeutic for me, and that's the whole point after all. I've read other diaries and gained so…

I'm looking for advice on the best route forward. I live in a terraced property which sits lower than the neighbouring garden, so water naturally drains towards my boundary. My tenant neighbour has raised the external ground level directly against my cavity-wall extension, leaving only around 10 mm of my external DPC…

Hi everyone, I’ve received a parking charge from Horizon for parking at Tesco, even though I was a genuine Tesco customer on 18/07.I contacted Tesco by phone and via WhatsApp, and they advised me to appeal directly to Horizon. Unfortunately, I paid in cash and don’t have the receipt, but I do have proof of Clubcard points…

Hi there I was thinking of using WTW Lifesight for drawdown as the charges are minimal, but the administration is appalling and there is no flexibility to mix and match FAD with UFPLS. So I'm thinking about Vanguard as their fund charges are about as low as you can get and I already pay the platform fee for my ISAs. Would…

I have read and reread the newbies thread but can't work out next steps for our situation. The hirer hired a motorhome and the registered keeper received a PCN with an Issue Date of 10/07 (strangely with a PCN Postal Date of 08/07), due to a carpark overstay of 17 minutes on the 26th June. The keeper responded to Carflow…

We booked a package holiday to Rhodes through jet2 in May. We paid extra for a room with its own pool. For context, the holiday was around £1400, about £200 was for the upgraded room. On the way out, the airline broke our pushchair. Then the room we were put in was on a building site. The room still had wires hanging out…

A thread was made a while ago to appeal consecutive parking charges - two were won as they were both NON-POFA (thank you to the thread!!) and now the others are being dealt with. Two POPLA codes were received and waiting on a final, but all three appeals were done consecutively and yet to receive the final one? The…

Thanks for all the information on the Newbie thread - it has been very helpful and has made me feel comfortable to challenge further! After 18 months of silence from BW Legal I have had a claim form through for a PCN issued 2 years ago, I have filed an AOS with the dates below: Claim Issued: 03/07/2025 AOS Submitted:…

I have an ongoing court claim, issued by DCB on behalf of UKPC. I received the PCN for not parking correctly within the "markings" of a bay (it was a disabled bay with hatchings to one side of the parking space only). The only way my passenger could exit the vehicle was if I parked my car partly on the hatchings. I also…

Is it correct that as a single person with no children, that I will only have the £325,000 inheritance tax allowance? Seems that those inheriting my estate will be penalised for my life choices.

Hi Everyone I received a parking fine which I was unaware of as I had moved address and my registered address was a different address. When I changed the address I started to receive debt collectors letter. From the letter the reason I have received parking fine is because they claim I have overstayed in their car park…

My contract with PlusNet is nearly up and thinking of jumping to Vodafone. Broadband only, FTTP, live in a city suburb. Deal is approx £4 less per month over the 24 month contract. Anything I should consider?

I know this topic has been discussed at length… but there are definitely pensions I cannot trace because the old employer is not signed up to any of the trace schemes. I have got all the information - employers and dates I worked there and have used .Gov, Gretel, Pension Lab etc etc but to no avail. I have contacted one…

The UCI track cycling world championships is on next month, could anyone advise what I would need to subscribe to watch it. I can’t seem to work out if I would need HBO or TNT Sport or maybe something else. Any pointers would be much appreciated. ETA: in the past I’ve watched it on Discovery+ but I don’t think that’s an…

I'm looking at a 9-panel / 4.2KWp system with/out about 11kwh of battery, in central Scotland. House is almost exactly South facing an clear of obstructions. The quote details reckons we can produce about 3500kwh/year and our consumption is about 4500kwh. Cost is about £6,250 for panels only, £10,000 with Fox11.5khw…

I've noticed a new thing on ebay (this is on my private account), it appears that buyers can add things to an order if they use Simple delivery. I thought the first time I saw it it was a glitch, but it's just happened again. Buyer offered on something and I accepted, item was paid (possibly under immediate payment…

Hello, Our bathroom scales ceased to function, so we need some new ones. We like the Garmin scales, as they will directly sync and populate the Garmin Connect App. However, at £120, it is frankly a lot of money to pay and probably not worth it. A popular online retailer offers several alternative types of smart scales,…

Hi, Something I hadn't considered before - are there any insurers who offer cover should you miss your boat's departure from one of the ports of call, rather than the departure port? On all our previous cruises we have had no problems with getting back in good time with one exception where fortunately, we were on a shore…

Hello everyone! I used to be part of this challenge years ago, and after a long hiatus I’ve found my way back. The aim is simple: find or earn an extra £10-a-day to put towards debt, savings, or whatever financial goal you’re working on. It’s a fun, motivating way to build momentum, and every little win counts. Would love…

We have a corner back garden with a huge laurel hedge at the boundary. We’ve tried to maintain it, paying £500 earlier this year to reduce it in size but it grows so quick and now is out of control again. We are now considering just removing the hedge completely and replacing with 6ft fence. It’ll be an expensive outlay as…