Recent Discussions

Hello everyone, A bit late in the day but just seeing if I can help someone out at the last minute. Car was SORN and owner gave it to a friend who had it to repair it for sale. Friend used car without prior knowledge and reg keeper got a PCN back in Feb time. Gave PCN to driver who said they pay but didnt and now we are…

hello and welcome to my new diary. I’ve been kicking around here for a fair few years and dealt with debt for a lot longer. I am however happy to declare that I am debt free and mortgage free. This is despite my last mortgage starting at £160k on the same house where my original mortgage was £38700. Multiple consolidations…

I’m in approx 70k of debt. I have been looking at a dmp and have mentioned this to my partner, however she is not keen. She thinks it may affect my position in regard to an opportunity with the company I work with. The risk as far as I can see it is if I get credit checked however that won’t be pretty without a dmp if…

I know there's a whole amount of info out there but I still don't really understand it very well. Let's say I have a car that's worth £5000 for trade in (as a deposit). Let's say the car I want to "buy" is worth £25,000. I guess this means I will owe £20,000, of which will be 0% for 2 years. And let's say I pay £300 a…

Hello, I had a long-term job and now find myself out of work for the first time this millennium. All my bills are being covered by a partner temporarily, I just need to start earning to start paying my share. I'm looking for a job, but in the absence of a job I want to make the most of my savings (£4K), and I want to stop…

The year, not the age! This is my first mortgage and it's been a year since I took it out. I've never really liked the prospect of being in debt but what with house prices being what they are, didn't have much choice if I wanted my own place. Last year after about a year of looking I exchanged on my first property: a one…

Morning all, I hope you have managed to find some time for yourself in what can be a busy period. We have enjoyed spending time with family over the last 3 days, it’s a quiet one today, then off to visit more family tomorrow. I’m not planning anything wild for NYE, but have been really starting to think about what I want…

Hi all! Long time, no see, at least when it comes to the diaries (I still run the mortgage free challenges, of course). Where do I start? This is my third diary on here, the first talking about our initial mortgage pay off journey for Mr julicorn and my first flat (bought in 2017). If you have too much time on your hands,…

Date of alleged offence Jan 2024 Claim Issued 9 sep 26 AOS completed 22 sep 26 Hello …many thanks for the information on the site. Alleged claim relates to an overstayed car park, in breach of displayed T&C's. I have completed my defence pdf but as yet not emailed it. all as per the template. Part of my defence is that i…

Hello MFWs I'm de-lurking after living vicariously through you all for a very long time. I've exchanged on my first house today! So now I'm a MFW too. My context: I'm a divorced, single mum (1DS). We'll be moving into a little 2-bed house with our moggy. I've taken out a 95% repayment mortgage over 27 years, which takes me…

Hi, My husband parked on street, and got a parking charge from UKCPS. Apparently you couldn’t park there as it’s private land which he didn’t know. I appealed using the template and it got rejected. However I didn’t realise they aren’t part of BPA and so cannot appeal at POPLA. They sent another letter for the same…

I've had to delay retirement due to issues with sppa. While waiting for the ombudsman to review matters, I'll take partial retirement starting in June of next year. I've reduced hours by 33% (edit - reducing by 50% not 33%). Forms with manager and HR. Still to send NHS:ret form. Am I correct in thinking I can take all my…

Just seen Waitrose Christmas 2026 Delivery Slots have been opened for booking. However note the delivery fee is raised from the normal £2 or £4 upto £6 or £7 over this period, depending on date. Don’t recall them doing this previously. I phoned customer services and they had to speak with another dept who advised it’s to…

I am navigating all of the help on here (thank you all!) I have done the Money claim Acknowledgement of service part I move house next week and then a few days after go on holiday until the 27th of October I can see where it says to "hold off" about replying to quick with my defence, but I don't want to forget about it or…

i've worked at the same place for 19 years but for long period have opted out of payments to the pension. i'm now 45 and want to catch up, and benefit from tax relief. However, it says you can only pay in up to your total gross salary per year which mine is around £30,000 give or take. However, the last 3/4 years I have…

Hi. My parents have agreed to lend me a large amount (£xx,xxx) which I will be paying back over the same amount of time as our mortgage. I will be paying them about £200 a month for a number of years. It is not a gift, but should they pass before the loan is repaid it will be written into their will that I will inherit the…

An elderly relative (85) who we thought new what she was doing in the last year had several faals and A&E addmissions. We then found paperwork 'stored' all over the large house, and letters from financial institutions that she had ignored. She had lost many £k's as a result. When she and husband sold their previous large…

Please can anyone help me find out where I can buy this kind of lock? So, the one with this handle and stuff. I want this kind of lock but I can't find it anywhere without buying with the gate? I want this exact same style. It seems old style. Gravity latches now are looking different. Thank you

I’m hoping someone might be able to offer some advice because I feel like I’m rapidly running out of road with Kent Reliance! I’ll start by saying what an awful service and experience I’m having with them. What should have been a relatively straightforward situation has turned into a two month saga, with a different answer…

I am a pensioner. My income is above £35,000. I contrive to keep my income within the 20% tax band so as not to lose the Marriage Allowance. If the Winter Fuel Payment were thrust upon me, would this increase my taxable income (potentially pushing me into the 40% tax band)? Is this a circumstance where I need to opt out?