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Sky Protect Home Insurance. Is it worth it?
My home insurance is due for renewal quite soon and Sky Protect is coming up well ahead of anyone else based on price.Having looked online I got an understanding of the extra gadgets it provides but my question is would I jeopardise a potential claim if I were not to use those gadgets or to use them not how Sky would…
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Tax Return for deceased - Missing Bank Interest information
Hi, HMRC have requested that we complete a tax return for the tax year 2024-2025. There was substantial income from savings interest that needs to be reported but the problem is we dont have the required information. We originally had online access to the accounts via power of attorney but that access was removed by the…
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Smart Parking, DCB Legal, LoC 2025
Hello, Just need a little guidance over what to do and what my first step should be. I am getting confused on land owners and sar... I received a letter from Debt Recovery Plus to say that I owe £170 or will be taken to court. LUCKILY, I read part 4 of the newbies post and haven't called them like I was initially intending…
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Can I still get fluorescent tubes as I have read are now banned
Hi folks, Hope you are all good. I do need to replace a1500 mm fluorescent tube as flickering at times in Kitchen, might well be the starter (but that seems very difficult to remove) Anyway looking online tonight, it seems the tubes are now banned, I do have a Cool White one in the house unused, but we didn't like it as…
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Paying off £37065 unsecured debt by July 2027 while continuing to travel this amazing world
£37065, it’s a challenge, but I’m up for it. The debt is made up of three credit cards, Very, a car loan, and a boob job loan 😆 I’m planning on combining the avalanche and snowball methods. I know it makes sense to overpay the higher interest Very debt first, but I need the quick win of waving goodbye to my smallest credit…
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safest way to save on benefits without affecting claims
in short i'm a saver my wife on full pip (full time) and joint uv claim myself on carers allowance full housing minus 1 bedroom tax and full council tax both over 50 we are past the splashing the cash and partying We struggle to spend what we get coming in financially but find we are approaching the 6k mark quite quickly…
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Cheap Ancestry membership
Just renewed at about 1/2 of going rate These are for 12 months tooAnnual Worldwide for £89.99 https://www.ancestry.co.uk/checkout/mli?direct=1&quantities=1&flow=3&offers=O-24532&rType=11 Annual UK Premium for £59.99 https://www.ancestry.co.uk/checkout/mli?direct=1&quantities=1&flow=3&offers=O-24531&rType=11 There is the…
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Claim Notice Received DCB L/Parkmaven Ltd
Hi All, I’m hoping someone can help me with preparing a defence for a County Court Claim Form I've recently received from HMCTS regarding a parking charge. I've received the below and gone through the 8 steps so I think I have an idea of what I need to do but just need to make sure I'm doing this right. I have received an…
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Competition providers not giving out the prize
Has anyone had an experience of winning a competition but the prize giver just not releasing the prize? This has happened to me recently - I've been chasing to get it sorted but the company appears to be ignoring my emails. The prize was a voucher plus an item. The finally sent me a voucher code but it doesn't work!…
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Remortgage deals - Fee or No Fee
my current fixed rate deal comes to an end in April. I want to stay with my current Lender Birmingham Midshires, I have ask a broker to compare rates, however I don't feel fully informed about the rates and fees. Choices as I see are… 2 yrs fixed @ 3.07% with 3% fee (Payments £342 pm) 5 yrs fixed @ 3.86% with 3% fee…
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Taxman and Pensioners
Hi I am just looking for some advice please. My dad is 91 and has had vascular dementia for about 6/7 years. I looked after him for 3 years and he has been in a carehome for the past 3/4 years. Last year there was a letter in his room addressed to him with the carehome address. It was for a tax code and had a marriage…
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It won't happen overnight. But if I do nothing it won't happen at all. (MFW diary 5761)
Hello, I've been registered on the forum a while and posted a bit, but have struggled to keep up with it. However, I've joined the MFW 25 challenge and maybe starting a diary will help keep me accountable so here goes: Situation My mortgage is currently £114, 762 and I pay £531.50 a month. I am a solo homeowner working 40…
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PCN - Code 86
Hello, just after advice if I should appeal this parking ticket. Contravention Code 86, states 'Not parked correctly within the markings of a bay or space'. The attached image is from Google maps, I was parked where the Castle Tyres van is, does that look to be part of the Car Park? The height barrier for the Car Park you…
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Multiple LBA's
Hey all. My sister-in-law has received an invoice from UKPC which has gone to the LBC stage, but she has received one on 11th December from Moorside and then a second from dcblegal on the 6th January. (both of which I've got her to respond with the newbies template) Is this normal behaviour? At what point does the…
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Smart Parking unfairly taking me to court via DCBL. Please help!
Hi everyone, Just needed some advice as I have just received a claim from Smart Parking/DCBL over an issue which was no fault of my own. I followed Smart Parkings appeals process and sent an appeal to them on 11/10/2021 via the website (please see attached image for evidence) I am yet to receive any response from them or…
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It's me, hi, I'm the problem, it's me
I am my own biggest problem and obstacle in life. It's time to change for the better. I'm doing a lot of thinking about changes I need to make in my life to better prepare myself for my future.
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Settlor/Trustee’s getting advice for investments
I have been asked a question by a friend after I had relayed how I received guidance on this forum last year. Settlor put money into trust for her 3 adult children (late teens/early twenties). Trustees were the eldest child and two of the settlor’s friends. IFA set up according to settlors risk questionnaire and has…
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2 funeral plans
Hello, my father-in-law just passed away. Turns out he had one Golden Charter funeral plan with the undertaker, but he must have signed another funeral plan with the Co-op years earlier. The one with the undertaker will cover about 80% of the costs. We were left money for the funeral as well, so there won't be problems…
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National Insurance contribution - employee contribution
My new employer has not paid 20 months National insurance employee contributions from 2023 to 2025. I have 39 full years contribution showing on my GOV UK account, not sure if I need to pay the back dated payments. Any advice would be grateful, thank you.
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Council Tax Backdated Refund
Hi, I recently challenged my Mum's council tax band and won. She's been sent £2100 and been told that they can only backdate it to 2020. Does anyone know if this is correct? I'm sure Martin said that you can claim as far back as 1993? If so, would I just write back saying that you can go back this far? Or is there any…
