-
Trying to End a Sky TV Contract
I am posting this so you can make up your own mind whether to get a Sky Contract or not. I am still receiving threatening e-mails, the last of which informs me that my details are being passed to a debt collection agency. I will not be renewing my Sky Contract. I have changed my name and account number in the following:…
-
RAC Mobile Mechanics
I had my car serviced by RAC Mechanics. They are said nsr brake caliper needed replacing and tube, also front brake pads. I made a appointment for this to be done. The mechanic arrived on 2st October. He left saying he couldn't bleed the front brakes and advised me to take it to a garage. My husband is disabled and I also…
-
Will I be able to connect to THREE ?
I am with TalkMobile and the OH is with Lebara - both use VodafoneNow that Vodafone has joined with THREE and I was wondering whether we would be able to connect to THREE as well - or is this only for genuine Vodafone customers ?How can I tell which service I am connected to ??
-
IHT implications when returning a gift?
Hi, I was gifted a rental property by my father. It is mortgage free and has a tennant in it. Due to a breakdown in relationship he wants it back. If I sign the property back over to him, and he dies in (for example) 2 years time, then will I still be liable to the IHT ? I'm confused, because, I see 2 conflicting points:…
-
Notice of Debt Recovery (Bristol Airport) stopping in a zone where stopping is prohibited
I recieved this 'Letter of Debt Recovery' from DCBL a couple of weeks ago. It says it related to an incident of 'stopping in a zone where stopping is prohibited' which occured on 12/03/2025. This was the first correspondence of any kind that I have recieved regarding the incident. We moved house in September and only…
-
Travel Health insurance
I am considering a holiday which would include a flight transfer in Los Angeles. Would our medical travel insurance require US cover? We would not be planning to leave the airport.
-
Home Insurance- How do you choose ?
Hi It's that time of year again where my home insurance is due & so I'm looking at comparisons. Yes, I can see that I could probably get cheaper home insurance cover but it would probably be from a company I've never heard from. In reality I'm not looking for the cheapest quote I can find rather I'm looking for a policy…
-
General Form of Judgement or Order
Hello, Below is my email to dq.cnbc@justice.gov.uk regarding the failed "Directions Questionnaire" even though I have submitted it and received an automatic response. Hello, Today, the 21st of October 2025, I received by post the "General Form of Judgment or Order" stating that I failed to file the "Directions…
-
Challenge Council Tax Help
Hi all, Currently going through the pain of challenging my council tax band and they’ve dug their heels in from my initial email. I have now pulled together a PowerPoint to make it crystal clear. I’d rather not post it on this where it has my property details but if anyone is willing to feedback then let me know and I will…
-
National Parking Control and DCB Legal
Hello all. I have read through the threads etc and can only see that my case seems fairly standard in terms of what needs doing. David Lloyd gym car park - overstayed (Daughter is member of the gym and forgot to register her car on the tablet) - now received Court claim form from DCB Legal. So it seems I can just use the…
-
Defence against Euro Car Parks Ltd
Hi ive submitted the Acknowledgement but now need to submit the defence, im really not good with this type of thing am I generally just copying and pasting this as a defence? any help much appreciated, I keep reading it but its all alien to me, thankyou 1. The Claimant’s sparse case lacks specificity and does not comply…
-
Parked car hit by DHL lorry - whats next?
After delivering to a Morrisons corner-shop, a DHL lorry has reversed into an unoccupied parked car scraping and denting the front and back passenger wheel arch breaking the front passenger door and entirely smashing the back windscreen... because the driver was leaning over to open the passenger door to let his mate in -…
-
DCB LEGAL CLAIM FORM
PLEASE HELP; After ignoring numerous letters from Euro Car Parks and subsequently DCB Legal I have today received a Claim Form. I am determined not to pay BUT this forum and its chaotic nature is making is nearly impossible to understand. The date on the Claim Form is 13/5/2025 asking for the sum of £270.64 I have managed…
-
What date can pay my 25-26 voluntary ni contribution?
What is the earliest date they allow me to pay my 25-26 voluntary ni contribution?
-
Nationwide Renewables - Solar Panels
Has anyone else had dealings with Nationwide Renewables? They installed Solar Panels at my Fathers last July but have yet to provide any certification at all. They are not MCS certified and not a part of the REAL registration scheme or even subscribing to the Ombudsman. I'm in discussion with a Complaints Manager who,…
-
Heat pump or existing oil burner?
Hello, newbie here. I live in NE in old mid terrace with heating/hot water by 12 yr old "very efficient" Bosch condensing oil burner. My local council (Durham) has said I'm eligible for grant aid to replace oil burner with ASHP (about which I know nothing) but not solar. What would other members do / advise if they were in…
-
Council Tax Support and Carers Allowance
Hello I am on a low income and receive Council Tax Support, I am also a carer for my elderly Dad and would be eligible for carers allowance. If I claim carers allowance does anyone know if this will contribute towards the income calculation they use for council tax benefit? Could I end up paying more council tax? I will…
-
Fixed Term Annuity v Gilt Ladder
Happy Sunday Using money helper website £225K buys 10 years fixed term income at £28K. Using gilt ladder £28K per year costs £226K. Am I right in thinking annuity carries no risk (apart from inflation), gilts have some risk but benefit from more favorable tax treatment? Also, appreciate a fixed term annuity would trigger…
-
Reduce payment on account to £0?
I'm self employed and in self assessment. According to HMRC I owe £1300 in January as a payment on account. Based on the last 6 months, I'm expecting to have income this tax year of between £5,000 and £9,000 (hopefully around the higher end!) from work plus about £1,000 in non-ISA savings interest, which I think means I…
-
Informing HMRC of retiring and tax code?
I am retiring at the end of December and I am currently a 40% tax payer with my employment and I will remain a 40% tax payer of course for the rest of this tax year when my employment ceases in December. I am also currently in receipt of a small pension from my late wife and I have a D0 code against it, i.e. it is fully…
