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Horizon appeal help
Hi, could anyone help please appeal against a parking ticket for horizon. It's non Pofa iv been told, but I'm not sure how to word an appeal and I'm going round in circles online as I'm not the brightest. Thank you!
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EV Charging in a Rented Housing Association Flat
Hi All, I wonder if anyone can help me please. I have just bought a 2nd hand Electric vehicle and I live in a Housing Association Elderly Rented Flat. These are recently new build and have 2 Pod Point Charging points on the wall in the car park. I hoped to be able to charge my vehicle cheaply from my home but I am being…
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Busting this debt before 40
Time for me to de-lurk on this thread and start my own dairy. Long story short ish. Away on work last year all my co-workers talked about pensions. Then realised that I wouldn't get my state pension till 67. Also my work pension doesn't kick in till 67 either...(There's like a mini pension for when I've done my contracted…
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Plymouth port car park
Hi everyone, I'm new here..thank you for taking the time to read this.. I've received a county court claim for the same car park highlighted in this thread..and could use some advice please. Alleged contravention was in March this year. Only received reminder and not the first NTK. Wrote to them requesting further details…
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Lodger experiences
Hi everyone, I'm mulling over taking in a lodger. I've a 600 sq ft flat with two big bedrooms. I'm confident about the tax and housing law implications, but I'm wary about the quality of life implications. I was close to having a student doctor move in, but I ended up saying no in the end because she revealed that she…
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Credit card for car purchase
Hi all, I know this has been asked a few times over the years however I wondered what people's recent experiences were with using a credit card for a car purchase? I've found myself in a sticky position whereby I have no choice but to buy in the next couple of weeks. I planned to get a 0% purchase credit card, and buy a…
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IHT / CGT on property gift with reservation
In 1997 my mother gifted her house to myself & two siblings. She continued to live in the house until she had to enter a residential home last October, and sadly she passed away in March. We never charged rent and mum was the sole occupier throughout the period from 1997 to 2025. My understanding is that as she maintained…
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DCB legal claim form
Help needed in relation to the defence that I have prepared using the templates. I have received a parking ticket from First parking LLP. I have paid a contract to park at location for a year, received confirmation of payment so parked. I returned later to find PCN attached to car, issued approximately 1 hour after…
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Cabot - what to do next
Hello - have been following your Forum for a while and using your helpful advice to manage my debts. I wrote to some of the debt agencies who have bought my debts to ask for the CCA, as you advise on here. With one of my debts, I believe the correct information has been sent re: CCA request and I have had at least two…
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Advice with First-Time Investing
First time investing solo. I already have some investments in an ISA but these are ones that my (wonderful) mum set up for me ages ago and I am only now starting to really look into my finances. She died recently so there is a lot to try to manage at the moment as well as starting uni. The ones I have there are all active…
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My Five Year Focused, Frugal and Fun Challenge
Hello all :) it has been a long time since I posted on here and a lot has changed. I'm now single and bought my new home last year. It needs a lot of work but after the next couple of jobs are done I’m having a break from doing anything else so I can focus on paying the mortgage off. I wouldn’t book any of the people again…
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Vitality - new "Play" rewards
Not sure if anyone else has Vitality Life/Health insurance - would be interested to know your thoughts on the new rewards experience they've introduced from this week. For me it's probably the final straw. Around a year ago, earning 40 points a week would get me Amazon Prime membership fully paid for, a cinema ticket each…
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The Best Is Yet To Come
The Best Is Yet To Come - or so the front cover of my new diary says. I normally hang out in the debt free wannabes, but as I have had my diary on there for almost 10 year (yes the same diary), and have been debt free since April 2018 I thought it was time to migrate over to the mortgage free wannabe area. Please be gentle…
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Living Large, on a Small Income, by the Sea.
I am living by the sea in a beautiful house. (I can’t believe that sentence is about me) I have spent two years living in other people’s homes. I ended up on a sofa for several months. The joy of my own home, my own key, my own bed…it is indescribable. I had to go to the top of my budget to buy the house, but it is exactly…
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Charter rate drops?
I wasn't sure where to post this as it seems to span a range of popular products. Casually looking on Charter's web pages this morning, I could only see Notice Accounts on offer. No Easy Access, no Fixed Rate and no ISA's. Could this indicate a flurry of rate drops? Incidentally, when I logged on, I could see just one EA,…
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Latest affordability complaint…FOS want info from 2013…
Hi, as some know, I had a positive outcome yesterday on my Zopa complaint. my second is against Virgin CC for giving me 4 CC’s totalling £46k between 2013 & 2024. Now I know the one in 2013 is ok…no balance (tbh, I didn’t know I had that one). However the investigator has emailed tonight looking for the following: * A copy…
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In progress of buying a house and Level 3 Survey has revealed ...
....the at the front right of the property by the front door, the wall is not in vertical alignment. They've suggested it could be a sign of instability and a structural engineer would be needed to determine the cause. The property was built back in 1900-1929 according to the surveyor and all of my own research seems to…
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Civil Service Pension legacy lump sum to max out or not
I have service in classic plus and alpha. I'm a year or so away from 60 and leaning towards taking the lot and retiring at 60. What I'm struggling with is working out the pros and cons of taking a larger or smaller lump sum from the legacy scheme part of my pension. I've seen threads from a few years ago now about this but…
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How to protect my property being sold to pay care home fees if needed.
Hi I am looking at how to protect our hard earnt money from being taken by the government if as we get older we need to go into a care home. I have read to protect my childrens inheritance I can add them to our property as tenants in common - is this the best way to do this.
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Resale of Tickets (Trade Show)
Hi there, I run a VAT registered business and bought 4 tickets to a trade show last year. I ended up selling 2 to another business at face value as I didn't need them and they had sold out. Do I need to charge VAT on the ticket sales? I purchased them for £236 (no VAT) and have sold them for £236, so if I should have added…
