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Merged: Hx Car Park Management & Gladstones Letter before Claim but never received a ticket
This discussion has been merged.
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Merged: Hx car management - got a ticket for not properly parking in a disabled bay.
This discussion has been merged.
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Prosperous & Creative Soul Year 4
Three years ago I finalised my divorce and completed on my biggest ever mortgage - £202K and switched from interest only between 2 of us to repayment on my own. I took the term for as long as I could - so 22 years - which means I would be 73.5 by the time I was actually free. I've used my post from 3 years ago as a prompt…
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Mortgage free move to cheaper property. Process?
Hi, thinking of moving but it has been over 30 years since we have done this and back then, we had a mortgage. This time, we are lucky to be mortgage free and have been for some time. Current property worth approx £250K and looking at similar type of property further North in the UK which would be around £220K. In my…
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Claiming French pension from the UK
I wondered if anyone has any experience of this? My OH has been through the process via the Newcastle Pension Centre for a small French pension he accrued a few years back. He has finally, after a very long time, received a calculation from l'Assurance Retraite, and also an Attestation d'existence form to complete. The…
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Mortgage freedom/FIRE diary
After several years of reading diaries on here I have decided to write my own. I bought my forever home in January this year. I got a fixed rate mortgage at 1.99% for 5 years. I am allowed to overpay by 10% each year in this period. It was £124,499 at the start. I am a single Mum to two lovely boys aged 16 and 11. I have a…
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Zero interest finance or not?
I emailed – see below- the Money Saving Expert forum team and the response was:- We deal with issues reported to us from the Forum via our report button. Unfortunately due to the volumes of messages we receive every day the Forum Team aren't able to respond to individual messages. So here is my question:- Hello to you at…
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Gladstones LBC: Draft Response for Review
Hi all, I’ve received a Letter Before Claim from Gladstones Solicitors on behalf of Premier Parking Enforcement Ltd (dated 8th September 2025). The alleged issue is that my car was not fully within a bay. However, there were large containers and other obstructions directly opposite the bay, which narrowed the roadway. To…
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Instant pot is it worth it?
Instant pots are half price right now and I'm tempted but also worrying about whether it will be worth the initial outlay to save energy costs when cooking? Does anyone have one? What types of things do you cook n it?
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Dog towels
I've saved a huge suitcase full of dog necessities and a large amount of dog towels - old towels because they aren't easy to find. (Was going to find my next dog when I moved, then the pandemic etc so they've just sat there) Dawned on me the other day that we now have microfibre towels and probably don't need many because…
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Millionaire Challenge
I sat pondering on what ive achieved in my 27 years and realised that anything ive ever said I wanted to do or wanted to have I have managed to achieve. Last year after 10 years in catering I completely changed career and last week I achieved a distinction in painting and decorating. This got me thinking that since I…
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DCB Legal Claim Form Defence Advice
Hi All, I received a claim form from Baysentrey Solutions, I have now submitted a Aos and just wanted some advice on preparing the defense - i.e do you have any recommendations on changes I should make to the template. The ticket issued for me not displaying a permit (This was for parking in my own designated residential…
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DCB Legal & First Parking - 2 x university parking court claims 3 weeks apart
Hi there, I'm starting a new thread for 2 PCNs from First Parking which were received 3 weeks apart for parking in the same car park. I've gone round in circles on other threads for hours and wondering if the time spent is worth saving the £290 they want from me, however, it is a matter of principle and I would really…
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Wrong entry on credit file, huge impact - where do I stand?
Hi, So earlier in the year I completed a energy switch from one supplier to another as my cheap deal had reached the end of term. EDF agreed the handover meter readings and all was well I thought. New payments have gone via direct debit to new supplier, old direct debit still live to clear/refund any over or under…
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Sprive - can you update when you move?
We use Sprive to chip away at the mortgage but having moved house I cannot see a way to change the lender in the app to ensure my rewards can be paid. Is this an option and if not does anyone know how I can withdraw the rewards? We use it for as much as possible so between receiving our redemption statement and moving we…
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CareCo Good or Bad?
Hello Everyone, I hope I posted in the right section. My father is looking to buy a new Chair, he is looking for a rise and recline as he is stuggling to get out the chair and he likes to manually move the back. He has seen one he likes at CareCo at £750 he has a 21 month free credit card and was thinking of getting two,…
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Pension
OK here goes. I am now living in Bulgaria and have done for the last 4 years. I have recently reached the pension age of 66 so I get my state pension. I have a private pension (which I have not contributed to for over 10 years) and a few months ago I informed said pension company I now resided abroad. Sent proof that I…
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PCN on Free car park at GP surgery during appointment as a patient
Got a PCN from Civil enforcement ltd because I forgot to enter my reg when I parked at my GP surgery car park reserved for patients to attend an appointment. I provided proof of appointment so they reduced fine to £20 which I refused to pay cause this car park was built for patients use and CEL were supposedly brought in…
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Water leak problem when it rains.
Hi folks, I have a bungalow type house where the original wooden soffits and facia were covered by upvc a good number of years ago and the horizontal spouting and downpipes were also replaced with a metallic type, so not plastic. I also had windows replaced nine years with pvc ones, where the top of the window is actually…
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Scrap a car
my father in law has a old citroen car. Parker’s say it’s worth a couple of hundred pounds. Is currently SORN and he has given up driving. It would cost about £100 to get it insured, mot and tax. So we are looking at scraping it. Does anyone have any recommendations of who to go to. I see there are national companies that…
