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DCB LEGAL letter of claim
Hey all! I got 3 parking charges in 2020 during COVID when we had to queue to get into shops. I appealed and they said no I had to pay the PNC. I ignored all the following letters (as I was stupidly advised) Everything went quiet for maybe a year or two, now I've got a letter of claim from DCB LEGAL. It's £510 which is…
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disabled car tax
hi, not quite sure so I wonder if someone can help. I am a carer for my Brother so I get free road tax. I have a certificate of entitement. I am changing my car. The dealership said that they set up a direct debit for the tax and when I receive the V5 I take it to the Post Office to get the tax, then I cancel the direct…
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CCJ Interest
If a CCJ is granted on an old credit card debt, is it usual that the creditor will be awarded interest on top of the amount? if so for how long can the interest accumulate?
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Ebay 90 day limit for refunds - Currys Clearance
In January i bought a tumble dryer and washing machine from Currys Clearance on ebay. Both items were 'refurbished' and fully tested etc and had a year warranty. Anyway, the dryer didn't work from day 1 and was promptly sent back for a full refund. The washing machine carried on OK until last week when it packed up. Currys…
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Prove IT Letter
I have a few DCA's e-mailing me regarding some CC debts they claim I owe them. A few of these accounts are well over 10 years old and I want to send them the prove it letter in the hope they back off, however as I understand it so as not to admit liability the prove it letter does not claim responsibility for the debt and…
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Question on HMRC Pension Recycling Rules
I am due to receive my 25% Tax Free Lump Sum in Sept 2025 for around £65K. The remainder of my pension pot will go into drawdown, As I will be remaining to work on P/T, £100.00 of my current pension pot will remain uncrystallised and I will be continuing to make payments via Salary Sacrifice and Individual Contributions.…
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MSE News: Martin Lewis suggests alternative to cutting cash ISA limit – a 'starter investment ISA'
MoneySavingExpert.com founder Martin Lewis has made a suggestion on how to get young people investing WITHOUT cutting the £20,000 tax-free cash ISA limit... Read the full story: 'Martin Lewis suggests alternative to cutting cash ISA limit – a 'starter investment ISA'' If you haven’t already, join the forum to reply.
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cruise in september '26
How do I get cover so far in advance?
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Would really appreciate some advice please
I ordered an item online and received it the next day, the quality was terrible so I emailed asking to return the item and for an address to send it to. I received a Reply stating it was exchange only. I politely replied explaining that I had a right to cancel within 14 days and would like a refund. They agreed to this and…
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confirm some details on SP please!
OK so I'm checking the pension forecast for him indoors who is set to receive his starting in November. There are gaps and we won't be plugging most of those but there is one I'm considering. It's for 2022-23 where they want £284 to top up the year. Now am I right in assuming that because 22-23 isn't full there's no credit…
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Transfer of equity - advice needed
Hi all, First time posting, but have come up against a bit of an impasse and am worried that i will get the timing wrong/i'm being strung along abit by ex's solicitor. Have divorced and had a sealed final order, with stipulation that my share in the property can be bought out by Monday 4pm. I've chased ex's solicitor for…
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Notice of disconnection and debt collection from O2 but I don't have an account with them
I've had a letter from O2 stating notice of disconnection and unpaid bill of £32. It has my name and address and an account number but no mention of mobile number. I don't have an account with O2. My first thought was that it was a scam, so I didn't use the numbers quoted on the letter. Trying to get through to someone on…
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Glenryck pilchards in tomato sauce
Where have they gone? Been to all supermarkets in my area. Been like this for a month now. Any supermarket you know they are selling them?
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Letter of Claim from BW Legal for 3 year old ghost PCN - Unsure of reason?
Hi, I have two concerns! 1. I have received a LoC for x2 PCNs in 2022. I can't orientate myself to what is the potential reason, especially considering at the I had a long term let, where I had access to parking and always displayed my permit. I do remember, approximately in 2020, being harassed for PCNs for this same car…
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Sashybo - Back Again
Hi all, has been a good long while this time since I've had a diary, think this is number 4 overall. My last diary can be found HERE. Current debt now under 10K. :j This is mostly made up of loans we had to take out to cover the negative equity of the flat we sold a couple of years ago. I must admit we have slipped…
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UKPC DCB Legal Court Claim sent to brother's address
Hi, DCBLegal sent a county court claim via moneyclaim website to my brother's address. I have never lived at his address, have never used his address to apply for anything like bank accounts, credit cards etc. and the car is also NOT registered at his address. We do share the same firstname and surname but have different…
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DCBL fine
I’ve received a fine from Dec 2023 never had any prior notifications!! Is this fake / scam? Letter reads: NOTICE OF DEBT RECOVERY - Unpaid Parking Charge £170.00 We previously wrote to you at a different address but did not receive a response. We therefore utilised a tracing service which indicated this is your current…
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Santander Loan
I had a loan agreed with Santander on the 9th July but still waiting for them to release the funds. They say there was an IT issue but will not give me any indication when they will release the funds. They advertise that funds are released in 2 days once all approved! Anyone else having a problem?
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Opening a basic bank account but with no credit file?
Hello, I'm an undischarged bankrupt and looking to open a basic bank account. I'm of somewhat elderly years and have ZERO credit history: I've had no credit cards, personal loans, energy bills which have been in my name, phone contracts, TV subscriptions, etc, etc. So nothing on any credit file about me. I've been using a…
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Reducing IHT via rental property transfer
My 80 year-old mum owns a flat which she rents out for income. There is no mortgage and it’s worth about £400k. She also has a mortgage-free residential home worth about £575k. We’re wondering if there’s a way to put the rental property into some sort of trust in order to reduce IHT? She has five children and no spouse. If…
