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Payment a Day - Chapter 2026
Small Payments. BIG Impact. Making a small (or large) Payment a Day (PAD) - or whenever your budget allows - towards debts or savings all adds up really quickly! And can change your financial future... Hey everyone, Welcome to the Payment A Day - Chapter 2026 challenge! (this will start from 1 January 2026) We've decided…
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Motor dealer holding my payment for 28days
I agreed a brokerage deal to sell my motorhome, we went on holiday and during this time the broker sold it. First email stated payment amount and we would be paid on sale. However after various emails, phone calls he said we had to pay for repairs on it, we wanted to withdraw but were told we would be charged a lot of…
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Misleading Parking Eye Signs leading to a PCN
On Sunday April 19th I parked at the St Anthony Gardens Car Park on Penzance Promenade opposite the swimming pool. It is operated by Parking Eye though I have subsequently ascertained via a local FB group that it is actually owned by the Jubilee Swimming Pool across the road. I went over to the ticket machine ready to pay.…
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Bank wanting zero balance on reward credit card
Hi, I'm in the middle of a mortgage application and the bank is currently holding it up because they want a zero/nil balance on two credit cards I use for my daily spending and then pay off each month. The cards are a paid (£300 annual) BA Amex Premium Plus (and a back up Barclaycard Avios Mastercard for where Amex isn't…
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Anxious about remortgage
As the thread title suggests, I'm feeling very apprehensive. I'm due to re-mortgage from a 5 year fix in early January. I currently overpay by £250/month and put a few thousand down not long ago. Overall, I'll have reduced my mortgage by £20k in 18 months. I'll have a 50% LTV. In January, what I pay now would have be…
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Sky Broadband - switching provider after price rise advice
Hi all, I had an email from Sky on 20th Feb saying my broadband prices were going up by £3.00 in April. It is my understanding that I can leave penalty free because of this, but only within 30 days of being notified. My contract doesn't officially end until May 2027. I have spoken with Sky via chat and they offered nothing…
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Thinking of doing holiday lets
I am in the process of buying a property which I intend to live in for the time being , but I am considering renting it out for holiday lets in the future. From what I have read on these forums and elsewhere, there are lots of rules and regulations, financial and otherwise, that I should think about before I go down that…
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Transferring ISA and SIPP out of Vanguard
I currently have some of my investments in Vanguard where I am paying the maximum £375 a year on account fees. I am looking to transfer out to reduce the fees can anyone recommend a good alternative platform with the aim of reducing fees. I don’t mind paying some fees. This is only for existing investments, new…
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New HL fee structure from 01/03/26
Just spotted that HL are bringing in a new fee structure from the 1st March. The details can be found via https://www.hl.co.uk/accounts/fee-changes but some of the main changes are:* Account charges. We are reducing our annual account charges from 0.45% to 0.35% on Stocks and Shares ISA and SIPP accounts. * For Fund and…
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Back again - 15 years later
I posted here frequently many many years ago before I got married in my 20s with my first brush with debt, since then I’ve got married, had children, got divorced and even got on the properly ladder (all by myself I might add) I’ve had ups and downs financially but mostly kept myself afloat. I am now in my 40s and I’m…
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Letter of claim
Hi all, i need some advice. I received a penalty charge notice from Smart parking almost 3 years ago in June 23. I moved house in Dec 2023. This week, in April 2026 i received a letter of claim from Dcb Legal demanding i pay £170. This was for parking for 19 mins, at the Cat & Fiddle pub in Macclesfield, while i checked if…
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How much to live on
How much do you expect you will require to live on each month when you are retired? ie no mortgage, no commute to work BUT maybe higher heating, hobby costs. I'm getting to the stage where I'm realising that I don't need to be super rich to retire and will only really require living costs but I don't know how much I should…
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My DMP diary - 2026 (year 1)
Well… inspired by others I intend to chronicle my own journey through the DMP maze. This is the year I turn 50 and I can't juggle these plates any longer. I earn enough to pay my bills and my debts but there is nothing left for contingency, household or family emergencies, holidays, days out, gifts, car repairs, vet bills…
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Pennies short of full State Pension-but would like to make it up to full.
Hi folks, I am about 17p short of the full State Pension, been getting it now for over two years, its not a great deal, to be that small amount short, but still I would like to bring it up to the full amount, just probably for the sake of thinking I actually get the full amount. As I pay tax, I know I am probably only…
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Section 21 & 8
Hi, I have a question my tenant has not paid for 2 months total (1 not rec, 1 rec and now 1 payment not received). I have requested direct payment from UC with no reply yet(anyone know how long this takes). My question is I want to evict them, I understand Section 8 is arrears related and S21 is no fault, any advice what…
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Solicitor Fees - Please help. I am a tenant that voluntarily left after section LBA & Section 21
Hi all, I’m trying to get some guidance on a tenancy/legal cost dispute with a letting agent’s solicitors and would really appreciate any advice. Background: I rented a property for around 3 years and had no major issues during the tenancy. In 2025 I began experiencing financial difficulties and was in contact with the…
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Unfair Civil Enforcement Ltd and Direct Collection Bailiffs Ltd PCN
Hello MSE Forumites, I received an unfair PCN at my dentist, I am in the process of getting proof that i did have an appointment that day. The reason i got a letter from the "the bailiffs" is because i have moved addresses and they managed to track me down to my new address (DVLA). I wanted to ask, if i am correct in my…
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Mortgage gone by 2030
Hi This is my first post where I have decided to try and reach my goal of being mortgage free, a lot sooner than I originally thought. In spring this year I started to make some regular monthly overpayments to the mortgage. I think this will be a good place to track my progress. Total mortgage borrowed: £110,475 Current…
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Civil Enforcement PCN
I have received a PCN from Civil Enforcement for £100.00 (£60.00 if paid within 14 days) for parking at one of their car parks in Bridlington on 21st June. I booked via JustPark and have found out I put in my old reg plate (phone autofilled and foolishly didn’t double check). I have already had a rejected appeal on this…
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Notice of Trial Date - UK Parking Control
hi, I’ve received a trial date. I resubmitted my defence (thank you to this forum for your expert help) as requested by judge Iyer in July 2025 and not heard anything since. Not sure what do or how to prepare for court. Help please? Attached is the first page of the Order. Personal details removed.
