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Who are "PROMONTORIA LOKI DAC"
Hi guys, I'm here again and now I'm trying to sort out my wife's IVA as she also has a default registered with an incorrect date. The debt is now owned by "PROMONTORIA LOKI DAC" however I'm unable to find any information or even a website about this company anywhere online, does anyone know who they are?
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O/S Daily Thursday May 21 2026
Good morning.
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Octopus saving sessions
And it is on You have to opt in to take part !!
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Streaming to Bluetooth or cd player
What is cheapest or what do you prefer My two choices are Use my smartphone or tablet to stream using trials or cheap subscriptions to a decent Bluetooth speaker Or buy 2nd hand cds and play through a stand alone cd player?
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And now we go again...
...new diary title taken from the line I had already added in to my signature! Regulars will already recognise me - I've been here a while, although aside from one fairly short stint always on the DFW boards. A quick summary of our MSE history for those who have not stumbled across me before though - started out with a…
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Where to focus - mortgage, renovations etc?
Hello, My partner and I bought our first home together last year (we're late 30s, and both had homes of our own before). The mortgage is high, but it's a forever home and we also only put down a 15% deposit so as to keep some cash back for renovations. Although we have a lot in savings, we've found the cost of materials,…
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Phone charger compatibility
I managed to crack the screen on my phone during Aston Villa's Europa League final win last night, and as it's stopped getting Android updates anway I thought I'd look for a replacement. The current phone has fast charging and come with a 68W charger, the new one I'm considering doesn't come with a charger at all but has a…
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Returned goods
I recently placed an order with John Lewis for goods amounting to £593. Under their standard terms and conditions, most of these were returned (as unsuitable). They were packaged securely and delivered to a drop off point for the courier (Evri) that John Lewis had arranged A few days later, I received a call from John…
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DCB Legal Smart Parking Limited
Hi. I've recieved a letter of claim last month from dcblegal and just today I have received the claim form. I have done these in the past.I know to log in to MCOL complete the AOS and then I read to use the meltof defence template . All I want to ask as I've forgotten (haven't done this for a while ) what else I can do .…
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Grace period and repaying credit cards after interest was triggered
I'd like to confirm my understanding with some of you who are more knowladgeable. Example: statement shows 1000 GBP total, out of which 50 GBP is interest from not paying previous statement by due date 2 days after statement is produced i make another purchase of 100 GBP (balance now 1100) 2 days later (4 days after…
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Expensive car tax refund denial by DVLA
hi, new here but wanted to share my news. This morning I received a new V5 for my electric vehicle that I bought in January, I paid £605 vehicle tax, due to the recent budget, it has been reduced to £200 for vehicles below £50k from 1 April 26. DVLA are not issuing automatic refunds for what you have already purchased, so…
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PCNs and Equalitys Act
Hi, I have a question regarding the Equalitys Act and parking charge notices, especially for people with learning difficulties. I manage a fleet of cars for a company whose clients all have learning difficulties who we sometimes take shopping if they want. The cars are leased if this makes a difference. We on occasion…
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Help with small claim defence and deadline
hi folks . Before I go further on this case can I just ask when I need to submit my defence please ? issued on 20 th March
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PCM PCN (BP Garage) – IAS lost – ‘non-patron / left site’ – worth fighting or pay?
Hi all! I’d really appreciate some guidance on a private parking charge that I’ve taken as far as I can and am now unsure how best to proceed. Summary: Operator: Parking Control Management (UK) Ltd (PCM) Location: BP petrol station, Stoke Newington Road (N16) Date: xx/12/2025 Reason: “Non-patron parking” (alleged I left…
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Close old credit card?
Hi all, I have an old NatWest credit card open from a previous 0% balance transfer offer. That offer has long finished, is it better to close it in order to qualify for potential future 'new customer' offers? Or will I likely get the same offers as an existing card holder?
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Future Proofing my life: Deposit saving then MFW journey in under 13 years
I have been reading lots of these MFW diaries over the last few weeks, some 300 odd pages long and tracking a decade or more of life. They have been fascinating, very inspirational and given me some great ideas. I am looking to buy within the next year, and then get MFW and o/p as soon as I can. My savings rate, income…
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Forever home... not a forever mortgage
Hello all, I’ve posted here on an old diary before, but with a completely fresh start comes a completely fresh diary! Plus I fell foul of the new forum changes having not logged in for many years ;) We’ve recently (late Jan) moved into our wonderful forever home! I love it so much already. Can’t wait for the weather to…
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Excepted Estate Clarification
Hi All I would welcome clarification of my situation if anyone can help. My Mum died in 2013. All bank accounts were joint and she and my dad jointly owned their home. Her will left everything to Dad and he did no probate or other paperwork and just carried on as usual (finance wise). My Dad died a few weeks ago but for…
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Small Claims Court advice
Hi, I've had a dispute with British Gas for years now and want to start preparing materials for a court claim. I'm not 100% sure where to start though! The amount is fairly small (~1k), but it's been years of deep stress and repeated poor customer service (and lies) from BG. What approach should I take? Thanks!
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Internet provide
My internet service was transferred to another company following the sale of my previous provider’s customer base. After the transfer, the service functioned for approximately one week before I experienced a complete loss of connection. I have now been without internet service for over 84 hours. I have attempted to contact…
