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DCB Legal - GroupNexus - Claim form
Hi all, back again with another one! As detailed in the template defence I believe DCB Legal/NexusGroup are stating breach within POC, so I just wanted to run through the response and whether this is adequate under current guidance: Currently Point 2 continues: The Defendant, has little knowledge of events considering this…
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Moneybox Interest Rate After 12 Months
My 12 months with a Moneybox instant access isa ends in a few weeks and the bonus is removed, at which point I understand the rate drops to 3.something%. Am I right in thinking that Moneybox do not offer the bonus % to existing customers so that, when the 12 months is up, I will have to look to transfer out to get a higher…
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UKPC PCN - "Driver Left Site"
Hi, I received a PCN from UKPC claiming that the driver left the site. There is no evidence in their "case files" online to show this and the driver denies leaving site. No joy complaining with the shops and I then appealed to UKPC and that has now been rejected (after they tried to get the drivers details) and I have been…
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Phone missing from DPD package
I ordered a Samsung Galaxy Z Fold 6 1Tb from the Samsung UK website and it was delivered the next day in a package along with a pair of galaxy buds and a Samsung ring sizing kit. As soon as I took the parcel off the DPD delivery driver I thought that it was a bit light. I opened the package and the Samsung box…
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30 Hours Free Childcare
Situation is husband (self employed) earns c £15k per year per ITR, wife (self employed) earns c£8k per year, both parents work in farming and work well in excess of 16 hours per week are they eligible in this circumstance to claim for the 30 hours free child care or are they prevented from doing so because the lower…
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2,3, or 5 years remortgage.
Hi All, Mortgage expiring soon 1st April and due for remortgage. What do you reckon, 2,3 or 5 years thought rates would have dropped further but now the Iran war. Thinking 2 years fixed no product fee or 5 years with £999 product fee or 3 years with product fee of £999. Virgin money 2 Year Everyday Fixed No product fee…
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Working out Corporation Tax - does anyone use Freeagent?
I've been working for myself as a Ltd rather than an Umbrella since Christmas and use Freeagent. Appreciate we still have a month to go, but I'm trying to understand my Corporate Tax liability. I'm due to go through it with my accountant anyway but…… I'll give some numbers. After all my costs Operating Profit: £36,196…
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Help with Statute barred (Lowell)
I had 2 credit cards in 2015, one was Vanquis and the other Capital One, both were low limits, I was in a secure job and things were fine. in 2018/19 I lost a family member, my job and things got really bad and I had to move house then COVID etc… I couldn't afford the balances on either and to be honest forgot about them.…
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LBC - Should Keeper name driver in this case?
Hi, Bit of advice please. My wife as RK received 2 Parking CNs from Smartparking for two separate overstays in the same carpark back in 2024 during our family holiday in England. For one PCN, she appealed, the appeal failed, she paid up the £60. Unfortunately, she didn't realise she had received a second PCN from the same…
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CUP enforcment - Watford opposite Sainsbury's
I read a lot of people have had many issues with this one! I am one of them. Happened sometime in Novemeber 2025 - still ogoing palaver. Essentially just been infromed by email that this has been past to Direct Collection Bailiffs Ltd and can 'contcat them directly'. Will not do this based on what i've read :) Didnt read…
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Civil Enforcement LTD-Threatening Legal Action
Hi All Need some advice on above. Back ground is firstly this goes back to May 2024, I parked in a Council owned park with parking app used for payment. I am not from the area so didn't have he app my sister done this for me. After entering my car reg that i read out to her, unbeknown to her at the time, the app must've…
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Chase - Refer a Friend for £50 each
I have held a Chase Account for around 10 months and like it as you can have multiple accounts which is ideal for switching as long as you retain the main account. It also has a 4.5% interest account which you can put in as much as you like. This week they sent an email out that you can invite up to 5 friends from the ap,…
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Water bill madness
Hi folks, I posted last year about my water bill situation and have an update: Background: Moved into shared ownership new build 4 years ago. Advised water included. Contacted Water company to check & never heard back. Last year found out water might not be included. Tried to call water company - on hold for ages, then…
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Moved: PCP Breach
This discussion has been moved.
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Dogs in garden kennels
Firstly I'll state I'm not a dog owner, never had one and don't know much about owning one. New neighbours very recently moved in, and a large kennel has been installed in the garden housing 3 or 4 dogs in separate enclosures. I can't see what sort of dogs they are, but from a distance one at least is a large dog. They…
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Help with knowing how much is 'needed' to retire?
Online calculators to me are quite worrying in that it seems to be unless you have a pot of £1million then you're going to struggle in retirement & while some will be fortunate enough to be in that position, I certainly wont. I doubt many of the people I know either will be fortunate enough for that yet they seem to do…
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Small automatic car with electric handbrake
Hello My daughter is learning to drive and we are looking for a small automatic car for her, for up to around £7000. She wants one with an electric handbrake because that is what she is used to on her instructor's car. I would be glad of any suggestions.
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Ground source heat pump
I’ve recently moved to new build estate and all houses have ground source heat pumps. We have a company who installed the main linked underground supply and are responsible for this outside all properties but individual homes have to contribute to this company monthly based on house size towards the maintenance of this and…
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Ryanair and printed boarding passes
Can anyone tell me unequivocally whether they no longer allow customers to print boarding passes? This seems draconian (if typical). I have seen it stated that they are only stopping the facility for customers to ask THEM (Ryanair staff) to print boarding passes at the airport.
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Advice on my debts
Hi all, Where to start! I am living alone in a rented property (HA) and I need some help regarding my debts as I cannot continue living as I am with the cost of living and taking more and more credit. Current debt stands at around 14k which is a mixture of credit cards, loans, catalogues, phone contracts etc. I have 3…
