Recent Discussions

Background: Parked car in carpark. Typed in full reg and paid for parking ticket, then displayed. Received charge in post. Appealed with ticket, Excel denied appeal as only first letter of reg was displayed on ticket (machine error). ELMS legal named in documents. Particulars of Claim: The Claim is for a breach of contract…

Hi, I'm not really sure what to do with MyCSP. I am retired, living on the Isle of Man. I gave MyCSP the four months notice of my impending retirement on the 17/11/2023. They sent me forms to fill out which I did and sent them back on the 12/10/2023. My retirement date came and went and I had heard nothing. I emailed them…

And another way of life begins? Another old tune that’s been stuck in my head this week. No more ninety months for me, aiming for four years from now so forty eight months. I have rejigged my budget as food prices and prices in general have gone up. Hopefully giving myself a reasonable amount to spend will stop me…

Hi there, I have read the newbies thread, attempted to communicate with the landowner and had my response to the letter before claim rejected by gladstones. This is in relation to a car park i entered for 20 minutes (plus 30 seconds) to pick some people up, whilst there I tried for about 10 minutes to pay for an hours…

Hello, Captain Stupid here. The most basic question, as I'm confused. If I put £20,000 into an ISA in March 2026 and then put £20,000 in April 2026, does the tax free component apply to both deposits or only one? I.e. can I only get tax relief on up to £20,000 total in any one year. Apologies for the simplicity of the…

I am with eonNext for gas/elec and as my fix ran out today I took out a new tariff for 12 mths with the same company. However i didnt realise it wasnt a fixed rate and payments would change every 3 mths Because of this i have completed a switch tonight (with uswitch) for same company (eonNext) Should i have contacted…

Hi, I transferred out my pension 4 years ago into a True Potential Managed Pension Fund. It's doing OK and has gone up circa 40% over the last 4.5 years (it's a Balanced risk fund). I have always wondered how it would have performed had it been invested with AJBell or any other company. Is there a comparison tool that…

Hi All, I am on PIP, enhanced for both elements and CB ESA, limited capability for work. My brother looks after me and has been advised to claim the carers element of UC, but we can't find out if it will impact my PIP or contribution based ESA Can anyone help?

We received a parking notice, and the reminder on the same day, 21 days after the alleged infringement. I appealed with both the company and POPLA and both have denied my appeal, despite me quoting the legal jargon etc about then having to get the notice to us within a 14 day period Both claim that because the company…

Hi all. I have a domain name which has an email address that when people send to it, forwards to a Rocketmail (Yahoo) address. I've done this for years without issue. As far as I know, it all still works fine - I get plenty of emails and no one has mentioned there being a problem. Apart from one company. 2 seperate people…

As we know the Ofgem Price Cap is increasing on 1st October by around 4% for dual fuel customers. About one month ago I moved to Outfox’s Price Cap Tracker where the tariff tracks movements in the Ofgem Price Cap. Last week I was notified by Outfox my new unit prices for gas and electric. When I’ve calculated the increases…

For some reason I’m not getting the ramifications of this so if anyone has any thoughts, I’d be grateful. What are the implications, issues, upside or downsides when it comes to taking a monthly annuity in advance against in arrears. Is it simply a matter of a slightly ( very slight ) difference in income or is there…

Hi, the farmer whose field borders my property has kindly agreed to give me a small portion of land (approximately a quarter of an acre) providing I pay all the legal costs involved. I don't think there's any need for LA searches and there are no restrictive covenants or easements. Bearing in mind that our combined legal…

Here's my question i need some guidance / help with. I had 3 pension from different employers, cashed "one in" with the normal rules of 25% tax free everything else at Standard Rate. So does the same rules apply to the others do i still get the first 25% Tax free Or because i have cashed one in do i have to the tax at…

This is a topic that has been discussed a few times on this forum, and there is currently a thread on rightsnet that some may be interested in following: https://www.rightsnet.org.uk/forums/viewthread/22070/ The relevant guidance is in ADM H1050 which states income becomes capital if it has not been spent by the end of the…

My mum has a Club Lloyds account but I've just found out she only pays about £1000 a month in to it so pays the £3.00 fee She also has a Nationwide account, would a £2000 a month transfer from Nationwide to Club Lloyds be good enough to save paying the fee. Note: She has direct debits going out of both

I noticed today in my Chase app that JP Morgan have a promotion for new users to their investment platform that sign up via the Chase app. They are giving a £100 reward if you manage to deposit and keep £1,000 invested between 5th May 2026 and 5th May 2027. I mainly use and plan to continue using Trading 212 as my primary…

My SA was submitted and received on 24 September a week ago. When will I see the amounts I owe after thay have taken my payments on account into consideration. Currently I can only view a tax calulation where it specifially states This amount does not take into account any 2025-26 payments on account you may have already…

Email from MSE says this tariff is available until 7 October but when I log in all I am offered is October 26 V1. How can I get the previous tariff? Or at least check if it’s cheaper? Many thanks

Hello, Currently have a diary on DWF board, feel this will be a better place to be as I am currently saving for early retirement! We are mortgage and debt free. Mr D has his savings, he is very good at saving, we have joint savings and I am starting to build up my saving after being in debt for most of my adult life. So I…