Recent Discussions

HI All I am a little stuck and need some help since B W Legal are now getting involved and my sons is panicking I am trying to help my son after he a call came through whilst driving and so came into the car park in the early hours to take a call and didn't even park in a bay arrived in at 02.35.50 and left at 02.42.18 .…

Hey - I'm looking for some help on a claim i've received, I have researched the threads in this group and they've been super helpful - thank you for that. Details below: Summary: Claim form received from DCB Legal acting for Smart Parking Limited, issued 15/09/2026. Alleged contravention 23/07/2023. I have already filed…

Hi, If someone can read my defence letter against a parking company fine, which has been escalated to small claims court, specifically with 'Napier Parking' company. The claim is vague and states 'no valid payment made' however I have bank statement evidence to prove otherwise. If there is any adjustments that is needed,…

I used several eligibility checkers but they all came up with no offers not even for credit builder cards. Depending on what website I use, my credit score is in the 700s or 800s although some of them failed to verify identity. My salary is zero because I'm unemployed and living off substantial savings, is this likely to…

In need of guidance, please. I received claim from BW Legal on behalf of Napier parking dated 19 Aug. As i intend to defend it, filed AOS on 5 September and somehow negleted to file the defence, which was due 21 September. Received a letter for BW Legal today, dated 23 September, advising they have not yet applied for a…

Hi all, I'm posting on behalf of my aunt, who's panicking. She's had a county court claim from ParkingEye (DCB Legal) for a parking charge from 11/2023, and it arrived late. The issue date is 11 Sep 2026, but a neighbour only posted it through the door on Friday. I've read the NEWBIES thread. She tried to file the…

Anyone else having issues with Santander? Can't see anything reported. The app just keeps saying there's a problem and stopping. Going online is also going around in a circle, no error messages but just stays on the sign in screen. Of course if it wants me to verify with the app I'm also snookered.

Got a request for funds lol for above. Do I stand a chance at court? Or shall I take it on the chin. Ukpc again. Thanks

keeper sued but driver identified at POPLA — is my NTK non-compliant under para 9(2)(e)? I have read the NEWBIES thread and posts #1 and #2 before posting. Claim form has arrived and AOS is done. Posting for a sense check on one specific POFA point before I file the defence. Basic facts BPA member operator. Operator: Euro…

Hi, Has anyone managed to transfer a Cash ISA to the new HL Cash ISA at 4.55%? The process doesn't seem to be very straight forward - the cash ISA with your current provider needs to be transferred to a HL Stock and Shares first, then from HL S&S to HL Cash ISA. I am ready to send my application, however I am wondering if…

Hi all, I've previously messaged about an elderly friend moving into a nursing home. At that time, it was agreed that it would be best for the council to manage her money, as we are not blood relatives. She has been there at least 4 months now. Today, I received a call from the nursing home asking if I could add some money…

Hi there, Has anyone had any luck with getting HMRC to change the year a lump sum was paid into. My father passed away and so I received a lump sum payment from his pension provider. They paid this into my bank account on the 1st April 2026, so last tax year. He was over 75 so income tax is relevant. Anyway the pension…

Hi there, Any advice would be greatly appreciated. I have received a court claim through the post sent to an old address in regards to a parking charge issued back in 2022. The first I heard about it was from a DCB letter sent over a year ago to my old address so no chance to appeal. I had arrived late with my ex boyfriend…

Hi everyone I am hoping for some good honest advice please, as losing a bit of sleep on this one at the moment. I am a single 43 year-old with hopes to get on the property ladder soon after many years of renting. I am very lucky that I have a gift to assist with a deposit when the time comes, and work full time with a…

Maybe over thinking this but can’t get my head around it… About to start taking pension by UFPLS. I have a several years of potential withdrawals in MMF purchased last year, remainder in multi asset fund. Should I take the withdrawal: By selling units from MMF, then sell units of the multi asset fund to top up the MMF for…

Following a small non-fault claim made via my insurer, I am being asked to allow their now appointed solicitor to take action for a recovery against the third party insurer for costs and the excess paid. Confirmation that the action may be made under my own name has been requested. Is this standard practice and are there…

Has anyone had their new smart tariffs from October , I haven't had my email yet, only 6 days to go. In July they sent mine out (no change) with 10 days to go.

Which AI tools do you use to save money, boost your income or organise your finances? Let us know your success stories (how much did you save? What did you learn?). Does your bank offer any AI tools and if so, are they a help or a hindrance? We'd like to hear of any duds you've tried too. Thank you. ___________________…

Hi Have been with BT for around a decade ( and Virgin for about 20 Years before that ) so not a regular mover between services In short , my BT contract is up and price has gone from £48 to £68 ( Fibre 1 and BT sports ) . Had issues for quite a while with the TV box as it only records for a few minutes before stopping . I…

Totally FREE Christmas 2026 A very warm welcome to everyone <3 The object of the Total Free Christmas thread is to think creatively about how to reduce the cost of Christmas down to it's lowest cost which is ultimately totally FREE. Christmas 2026 is no different to 2025 with the exception of a very sad increase of what is…