-
Defence review requested following Claim Form - Was delivering meal to resident at assisted living
I would appreciate if anyone can review my Defence. I have acknowledged the Claim Form online as advised in Newbies thread. Claim is by Civil Enforcement Limited. For the life of me I cannot find the original Penalty Charge Notice.Unfortunately we ignored all previous corespondence. My wife parked her car in the car park…
-
Business Banking Switch
Hi All I've searched through the forum but can't see an answer to this. Santander is closing my local branch, so I am considering a move to Ulster Bank for 2yrs free transactions etc etc. I know the switching service takes 7 days, but my question is - is there an overlap period between the two accounts for invoices already…
-
Octopus Cosy Credits 2026
I’ve received an email from ‘tj’ at Octopus informing me that ‘Cosy Credits are back for 2026’ I’ve not heard of Cosy Credits before and can’t find any associated small print terms and conditions. The email states: “from 1st January to 31st December, if the average temperature falls below zero degrees in your area between…
-
Nectar Points not getting credited to account.
Nectar works with various partners. In fact there are over 500 of them. Ebay is one of them. I buy off eBay regularly. To those who are unaware, you have to go through the Nectar using the app or the website where it directs you to the partner, (eBay). You make your purchase and then the next day you get an email notifying…
-
Help me choose a network
Hi everyone, I am new to the MSE Forum and this is my first thread. My contract with TescoMobile has come to an end but for the time being they have put me on a 30 day monthly rolling contract at the same price/data. I have been with a fair few networks and I have had issues with quite a lot of them. Some I switched from…
-
Any ideas on how to keep the kitchen waste outside from getting blocked.
Hi folks, The kitchen waste outside seems to get blocked at least once a year, and it is a dirty messy not to mention smelly job doing the business, of getting the water to run freely again, having to dispose clothes etc. The set up I have is, the sink takes runs the water into a larger horizontal pipe pipe outside about a…
-
Mortgage Special Rates
Hi all, Just had my mortgage statement through and to be honest, im frustrated! I had a fixed deal term with Virgin thats coming to an end. Im paying around £900 a month but for the fixed period, the actual amount that is coming off my mortgage amount is only around £400, that means that £500 is going to interest costs??…
-
Mild instant coffee
I used to buy Sainsbury own brand...like Birds This was discontinued and I've used up my supply Has anyone found a similar alternative please?
-
Lack of information about Father’s Will
Apologies if this has been asked previously. My father died in November 2025. I am aware of his Will and know I am a Beneficiary, as it was discussed with my estranged sister a few years before his death. Should I have heard from the Executor at this point or am I being too premature? When and what should I do if I hear…
-
Seasidegal's Scrimpy Retirement Diary!
Hi there!😀 Having finally retired from work last Friday as my State Pension kicked in, I have decided to start a new diary as I begin the next stage in my life. I began my first diary on these boards in 2014 when I was 58 and in £31,000's worth of debt!😱 I realised time was fast approaching to retirement and that I needed…
-
Noticed cracks in brick on house we have just bought
Hi, My partner and I just bought our first house, got the keys a few weeks ago and just noticed a crack in the corner of the house (there's a crack on both side of that corner). The surveyor didn't pick this up so we are quite surprised. Either they missed it or it happened between October and now. Looks like it stops…
-
Shareholder Incentive Vouchers - Which Brokers will handle them?
Asked this in the HL Fee Changes thread although it's a small issue and there's plenty of other discussion there so I thought it might warrant a new thread. A number of UK companies issue shareholder benefits vouchers/cards, mainly from the leisure sector (Mitchell's & Butlers, Marstons, Fullers, Whitbread etc). HL…
-
Multiple PCN's from National Parking Control, in a Hire Car
Hi all thanks for the forum and all the advice in the Newbies section. I can see some advice for hire car issues but it talks only of receiving tickets in the window. The tickets I have been sent (4 in total!) have been posted to me, as the car was detected by video camera. It's a car park I've used for years just to buy…
-
UK Fire Door Regulations for Landlords
Does anyone know what the UK Fire Door Regulations are for Landlords? I own a small studio flat that I have owned for 6 years with no problems and a happy tenant. Yet now am being forced by the managing agents to replace my front door and a laundry room door for £2,818.80. This is as part of a planned replacement of the…
-
Water authority threatening enforcement action
There is a leak in the private supply pipe shared by me and 6 other houses. I own one of these properties, one other is owner occupied, 2are empty, and the remainder are tenanted. My water authority have advised that they will not come out and detect where the leak is located, and have instructed me to claim on my house…
-
02 pay as you go gets 5g and wifi calling
My 02 classic sim got this today. To be honest never noticed till i saw the wifi calling icon on my phone. I wonder if its a national roll out, or locally were 3g has been switched off. Anyone know?
-
Cahoot prize draw January 2026
* 1 x £25,000 prize * 5 x £2,500 prizes * 50 x £250 prizes Prize draw ends 31 December 2025. Winners will be drawn in January 2026. We’ll pay prizes directly into winners cahoot accounts. Winners will be contacted by telephone, or by email if we can’t reach you Many forumites will automatically get the max two entries, on…
-
Fined for stopping outside the car park
Hi all, driver could use some advice on fighting this rather predatory company - BaySentry Solutions (IPC member). The car park in question is Whitehall Riverside, Leeds. The car park sits adjacent to a main road, and you must drive into Riverside Way in order to access the car park. Upon approaching the car park, the…
-
HL gilt maturity today - 0.125% 30/1/2026
Was anyone else holding this gilt (which matured today) with HL? I have a long running transfer out (I believe the blame for the delay rests with the receiving party!) whereby I was told this asset was still in HL custody. I received the final coupon in HL today but no sign of the principle repayment. Was anyone else…
-
PCN residential visitor parking
hello :) the company that issued the windshield PCN is registered with IPC so as i understand it i need to wait until i receive the NTK. the PCN also lists "n/a to n/a" as the observation time - i am unsure if this invalidates the PCN. i will be making a complaint to the building manager as well as the property agent (who…
