Recent Discussions

Hi all, I’ve received a County Court Claim Form (MCOL) relating to a private parking charge and would appreciate some advice. Background: Parking event was around November 2023. Location was a Costco customer car park. The allegation appears to relate to exceeding the maximum stay period. Vehicle was an old car which I no…

The title probably isn't that relevant, but I couldn't resist! Anyone of a certain age will remember The Clash! I'm currently with Octopus: Electricity - Intelligent Octopus Go (we have an EV) Gas - Octopus 12m Fixed September 2025v1 (due to expire on 31st October 2026) I'm aware that if I want to jump onto another fixed…

Hi all, Filling out asset form for recovery from estates after death and probate granted. Deceased received savings portion of pension credit, had assessed income period until 2018 and passed 2025. Strongly suspect an overpayment claim will be made, but can anyone with experience tell me whether council tax reductions made…

I have mobility issues and it was recommended to me, by my GP about joining a Gym (An independent). For reasons i'd maybe not rather go into, One thing I was concerned about was being recorded so I contacted the company beforehand (i still have the E-mail) and asked them if recording in the Gym was allowed. They said no…

Hi I'm Looking for best bank or treasury gilts 1 year. So far the best I have seem is Habib Zurich at 4.91% one year fixed. Any better? Thanks

Hi all. I’m doing the bank switching lark to get the switch bonuses. Have just done this with Santander and have had a few malls. One of them says it looks like you’re already banking with us and asks me to login to the app to update my details. I suspect that this has come about as I had an abbey national account decades…

Hi, before I go down the Google rabbit hole, has anyone investigated in insurance to cover being a student housing guarantor. If so, any recommendations of where to go would be warmly received. I'm guarantor for my daughter, but was interested in seeing if there was a way of mitigating any risk to the tenancy. Thanks 

Hi all, I have received a DCBL court claim for an alleged offence from almost 3 years ago. The issue date was on the 11th September and I have already done the acknowledgment of service, which I believe takes me up until the 14th October to file a defence. I have read the defence template and the information on the pinned…

The Telegraph had a feature that suggested "whole of life insurance" as a strategy for inheritance tax planning. My IHT planner has applied to Royal London. Wonder what has been the experience with Royal London? The time scale when underwriting is suggested? Is a particular insurance company better or worse? Thanks.

Hey! I used to do a lot of comping on here back around 2010 and now it seems I am hooked again! Those of you who have been comping for a long time, how would you say things have changed? Am I missing out on a lot by skipping the Gleam and IG/FB comps do you think? I'm pretty much caught up with the comps and am getting to…

my wife had a car on finance and I sent in a claim in her name but she has now passed away, We were married 45 years and I was the executor and sole beneficiary, will they not have to pay out now or will that money still be part of her estate

I have received a PCN from Horizon for "exceeding maximum stay period ANPR". I have received several private PCNs in the past but I have managed to get them cancelled as they have all been non-POFA compliant for varios reasons. However I believe this one is POFA compliant - the first such that I have received I have…

Hi All, Background: 1. [Attached] The car stopped on double yellow lines on Rosemont Road, Wembley, England (not Wharfside Business Park as alleged) on the day of the incident with Blue badge entitlement and clock correctly set and displayed on the dashboard. Land Registry documents for the same road in context is an…

Good day, Thank you in advance to everyone. My sister has received a Letter of Claim from DCB for Smart Parking. There is a mention of mediation, and at the request of the vehicle holder, have the rules changed? Do we need to use the reply link in their letter or wait for another letter? This seems slightly different to a…

I'd welcome some advice if I may. I have an ILG ladder with Bell. It is all uncrystallized at present. To tie me over until SP kicks in, I'd like withdraw an annual amount of cash - for the sake of argument, let's say 30K - to pay for day to day expenditure. My thinking is to drawdown/crystallize 72K, use the 25% tax free…

Just as I am dealing with my own predatory PCN my Dad sends me a picture of a claim form from Oct 2024. He has no recollection of the event and can't remember receiving any NTKs etc (he may have at the time then threw them away, certainly hasn't received anything relating to this in the last few months). Issue Date: 03…

Good morning. Pinch punch, first of the month.

I have used the North terminal Mid stay and it is a very easy walk into the terminal. I see there is now a mid term option for the South terminal advertised. According to the guide its accessed via the South terminal long stay, I've been looking at the map and although its not marked there yet it doesn't look as good as…

Hello I received an NTK from Britannia parking today, 30th Deptember. It is dated 17th September and refers to a contravention on 1st August. Is this past it’s time limit and is this good enough grounds for appeal? No ticket or notice was given on the day Thanks.

Hi. Like many people, I've been lurking in and out of these rooms and the main website, dreaming of being debt free. I've been living in debt since I went to uni. To put that into perspective, almost half my life. Ive tried many times, and come close, sometimes a run of bad lucks set me back, children being born, or…