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Live in Carer Council Tax Discount
Hi, after seeing Martins story on GMB, I contacted Runneymede Council as I do in excess of 35 hours care for my mother who I live with. My mother receives the Attendance Allowance lower rate. The council said they will send out the form to apply. I aksed how long will they be back dating it, the adviser said threee months.…
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Self assessment payment showing as credit rather than paying the tax bill
I do my dad's self assessment. This year he owed just under £50, and we made the payment a few weeks ago. On his Self Assessment page, under "Your balance" it says that he's in credit by the amount that we paid, and under that it says that this will pay his tax bill on 31 January 2026. Last year he owed just over £60, and…
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Deed of Trust - Advice needed please
Evening all, I am getting mixed responses when im searching my situation online. In short i own a home which i rent out on a consent to let basis (i am armed forces), this is my only home which i plan to live in when i retire. I have a £85k mortgage and i purchased it as a first time house with stamp duty relief. Me and my…
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One Parking Solution Ltd, ZZPS, GCTT, QDR
Firstly I just want to thank all those who have contributed to this forum - honestly you are all awesome! In moments of weakness I come back here, take a deep breath and continue to ignore threatening letters....I have read the newbies thread which has been super helpful. This case is not different from many I have read…
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Co-op fake 'Unusual Activity' competition email
Anyone else annoyed at the Coop competition email with the header 'we’ve detected unusual activity on your membership' So irresponsible especially less than a year after they allowed themselves to be hacked and all our information compromised. Obviously, after opening their email, I realised that it was only an email to…
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TML mortgage advice please!
My husband has 5 defaults Mmostly 3 years ago 1 might be 2 years ago, he is using CIS slips but only shows on there the 20% tax no NI, he cannot use tax returns will The Mortgage Lender accept this? I also had 3 universal credit payments recently (1 a month) as my dad passed away my husband rented elsewhere and my mum…
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Parking Charge Notice to Hirer ( from CUP enforcement )
I recently received a Penalty Charge Notice (PCN) in the post for a hire car my wife and I were using after her vehicle was written off. The alleged contravention took place on 15/05/2025, but the notice itself is dated 24/07/2025—likely reissued on instruction from the hire company, Enterprise. The location in question is…
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Account disappeared from credit reference agency reports but not due to old default?
Hi, this is a bit of a head-scratcher for me and I'm not sure how to proceed without potentially putting myself in a less favourable position than I am now. I would really appreciate some advice or inputs (if someone has been in a similar position). I had a Vanquis credit card (among others) and in August 2019 I entered…
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I have 2 Double Dipping PCN's, Im Also Vulnerable Person, Can Any Organisation Help
Good Afternoon Guys I have 2 double dipping PCN's, The first is with Debt Recovery Plus originally a Euro Car Parks PCN, for spending 17 hours in a standard Motor Fuel Group petrol station 1 mile from my home. The second is at the CLAIM FORM stage, raised by DCB legal and originally a CP Plus PCN. I got this at Manchester…
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Parking charge for overstaying at petrol station services
Recently parked at a petrol station near Gatwick at which there is a Pret A Manger attached. I ordered two coffees and pastries and we ate in. I later recieved a parking charge notice for staying too long. We stayed 30 minutes. In this time we consumed food and drink and used the bathrooms. The fine is from Group Nexus.…
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MCOL defence missing
My wife parked in a euro car park back in 2022 and was unable to pay due to a broken pay and display machine. They shortly afterwards sent a parking charge demand to our address and we have ignored all their letters since, including when they started coming from DCBL. We received a court claim via CNBC for the unpaid…
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Should I pay off my mortgage? Discussion area
This thread is specifically to discuss the content of the Should I pay off my mortgage article To discuss or ask a question about the article: click reply
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County Court Hearing
Hi all, I had my mediation call a couple of months back where I offered a fiver and was declined. I was hoping it would of been thrown out at this point as its parkingeye and dcblegal. They also emailed me offering to settle for £60 at this point(down from 270) Is there any chance they may still drop it? Otherwise I need…
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Remortgage with additional borrowing & Mat Leave
Hi all, Hoping for some advice as there is every chance I'm overthinking, or missing something obvious. Our 2 year fix is coming to an end in April, initial plan was to just take a new rate with our current provider as they were reasonably competitive and my wife will be on maternity leave from April so saves us the stress…
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Please help £75k debt!
Hello everyone, I found this forum and have been reading different stories the last couple of weeks because find myself at breaking point, 35/M I have a history of gambling addiction which is the root cause and for the first time in my life ( it has been approx 2 months where i feel in control of it and honest with it to…
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Flue Liner - necessary?
I thought I'd posted a thread similar to this but I can't find it. We've had a wood burner for many years and there's never been any leakage from the chimney flue to surrounding rooms (chimney stack is fitted outside the house - no chimney breast inside), 1930s house. I was researching types of liner and register plate…
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Challenge Council Tax Ban issue
After moving to a new property on 01 Aug 2025, I challenged the Council Tax Band with the VOA - property Band C. I collated all the info. I could regarding the properties value as 01 April 1991. Long story, but very limited records available, e.g. Land Registry House Price Index, with nothing specific of any of the 13…
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Money Moral Dilemma: Should I lend £20,000 to my in-debt in-laws and risk not getting it back?
This week's MoneySaver who wants advice asks... My in-laws have a mountain of debt in mortgages on three properties. My father-in-law quit his well-paid job after burning out, the bills piled up and now they’re skint. I've inherited some money, and my wife wants me to lend her parents £20,000 to see them through selling…
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Gulf Air flight delay
I had a flight from Goa - Manchester with a stopover at Bahrain. This whole route was with Gulf Air. My flight from Bahrain - Manchester was delayed by 10hours. I reached out to Gulf Air directly for compensation and they have responded with a final response of denying paying me compensation. Unfortunately the CAA wont…
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Furniture order part delivered then discontinued
Hi All I bought my daughter a bedroom furniture set just before Christmas - 1 bed, 2 x bedside cabinets, 1 x chest of draws and a single wardrobe. Oak finish. Had to chase delivery and was told the wardrobe out of stock - to be fair I was offered at that point to either cancel the order or have the wardrobe removed from…
