Recent Discussions

Good morning all, Nothing new and extraordinary here. I have appealed against pcm uk ltd, now got letter before claim. I have responded to moorside based on knowledge and advice i gained in here. Their reply, i believe is standard, yet I am stuck and don't know what to do next. Initially, I have not received any letter of…

Hi, I have just received a claim form from the county court & just wanted some advice on how to respond regarding my defence. I originally said there was insufficient signage etc but have now been told by the driver of the car that they entered the reg number at the till in the supermarket cafe to get an extra hour free.…

Hi - I have received the standard claim form from Europarks via DCB legal, for overstaying in a free car park longer than the maximum time allowed This alleged contravention was dated 04/05/2023. Claim form issue date was dated 19/03/2026 AOS submitted on MCOL 30/03/2026 Based on SoftwareMad’s document, I should have 33…

I moved home from Address A to Address B in January 2025 and set up Royal Mail forwarding for a year. I updated my V5C at the time and it has had the correct up to date address since then. A month or so ago, I received an invoice from UKPC for an alleged infraction dated June 2025. This invoice had my correct current…

My son is considering a LISA. Trying to get our heads around best ways to contribute etc. LISA we’ve found has an introductory rate for the first year then the interest drops to 2.8%. He intends to pay in £4000 in year one. He also has a cash ISA which is paying around 4% and he can withdraw whenever he likes. So, after…

My wife received a Parking Charge notice after forgetting to pay the drop-off charge in July. Having read previous threads we put in an appeal. They then asked for copies of my wife’s driving licence. Again, following on from previous posts, we replied stating that they could request such when dealing with an appeal. We’ve…

Currently looking at the option of changing pet insurance for our 5 year old dog. Currently with Waggel and the renewal price has gone up along a fair bit along with the vets telling me that they don't accept direct claims for them. Dog currently has no pre-existing medical conditions but has had anal gland empties and…

Hi - I have been trying to use my new Balance Transfer CC to pay off my PayPal credit - but it seems I can't - even though there is a Mastercard 16 digit card number. Any ideas how I can sort this? If I request a physical credit card would that work? thanks for any advice x

I have 3 cards John Lewis credit card (10K limit), Tesco club-card (£9K limit) credit card and an American Express Everyday (4k limit), total credit limit of circa £23K. Im retired on about £35k per annum. I hardly use the John Lewis which has £10 limit. I've had the Amex everyday for a year soon and made about £150…

Today I submitted my self assessment return for 20025/26 but received the message "A problem occurred when you sent your return" Logged back in later this morning saw "There was a problem and your return was not submitted. We have saved it automatically and you can submit it again by clicking Next" I clicked on next but…

Morning all, I've been getting letters from DCB for a while saying I owe them money, I've been putting them in a pile. The vehicle in question is mine, but I was not the driver at the time. DCB are saying insufficient time paid for, and only supplying a date, no time of entry/exit. I have now received a letter from the…

Hi All, My son has a question so I am asking on his behalf… …Son is asking employer to reduce his hours by 90 minutes for some shifts (21 shifts in a 9 week pattern). Head of Department (HoD) has said 'no' for 16 of the 21 shifts. HoD has given 3 reasons for why those 16 other shifts were declined but there are numerous…

I'd really like some advice regarding pensions and savings accounts for when I get to pension age. I'm 43 and I've always suffered from anxiety and depression from a young age and I've never been able to hold down a job. I went to see a therapist when I was younger and realised the only way my life was going to get better…

Hi I've been told by British Gas that I must have smart meters fitted now and if I don't then my meters that I have will become my responsibility and I would like to know if this is true or are they spinning me a yarn to make me have them because I have been saying no for years I have always paid my bills never been an…

This feels like an appropriate time for a finance thread. Story time: My ex partner and I broke up 2 weeks ago. We had been together for 4.5 years, we bought a house together as joint tenants 2 years ago, and had been combining incomes and savings for 2 years. We have separated our savings, and he is exploring options to…

Hi all, Looking for some sanity checks or advice from the regulars here on a frustrating £100 PCN from Parkingeye at the Radisson Blu Stansted Airport. ### What Happened Back in June 2026, my 15-year-old son and I stayed overnight at the Radisson Blu before a flight to Austria. The package I paid for in advance included…

I gifted some shares to my wife back in the mid 90s, resulting from my company's profit sharing scheme. We are now thinking of selling some, but finding it very difficult to calculate potential Capital Gains tax liabilities, for many different reasons! Demergers, name changes, share consolidations etc etc and we don't even…

Hi there, I need to complete an SA109 and on paper the questions seem straight forward but when I read the guidance notes it provides twists and turns with an exception for an exception and I am now genuinly confused. It is about a split year case 1 claim. Especially box 9 - 14 throw me off. I know that to answer those…

I am potentially going to avoid buying a property, and instead lodge or rent. So I will have over 100k to save which I can't put into an ISA or pension all at once. Talking to AI suggested I could put 50k into premium bonds. It also said the remainder I could buy GILTS which have a short term such as TN28 as another way to…

My Mother's mantra in life was, "if you use what you have you will want for nothing" and she used and reused lots of things in her crafts. She would unravel knitted items to knit new items, clothes were remodeled and embroidered to update. My sister and I had the best dressed dollies! She also used this fabric to teach us…