Recent Discussions

I’ve read the NEWBIES thread. Received an N1SDT claim pack from the CNBC (MCOL) this week and would appreciate help with the defence. Claimant: ParkingEye Ltd Solicitor: DCB Legal Ltd Issue date: 18 August 2026 Location: Corporation Street, Preston PR1 2UP Date of contravention: 09/12/2022 Amounts claimed: • Amount claimed…

I am the executor of an estate which includes an investment portfolio. The estate overall is liable for IHT and that has all been dealt with. Part of the portfolio is to be inherited by somebody who is not resident in the UK. They want me to sell their share of the assets and send them the proceeds in cash. There has been…

Not sure if it is only me by Lloyds have the habit of adding promotional 0 percent purchase offers on my credit cards but only by chance do i notice they are there. One in particular has had one since January 2025 for 20 months but never received any communication from them it was available. Also the same with Halifax…

I am co-executor of an estate and I've been in a deadlock for years with the other one, who has held up administration due to conflict of interest. We're also the only beneficiaries. Solicitors conclude I need to relinquish being co-executor, and remove the other one (which we can do due to various abuses of power I won't…

We have a solar / battery set up. When I've been with previous suppliers on a "electric car" tariff, there hasn't been any checks to see whether I actually have one and it was a well known allowance that people with batteries could use those tariffs. I'm looking at EDFs Go Electric tariff at the moment. Slightly more…

Hello I have completed a draft of my template, but actually think I have missed my deadline of 4pm today as thought it was the 20th not the 21st. Please can you see if it reads ok, as I need to send off asap and wasn’t sure if I kept paragraphs in numbered or not or if I have given enough/ too much information: 1. The…

Hello, I submitted my self assessment online via FreeAgent a few months ago but it’s not been processed by HMRC. I’ve spoken to a few agents and they tell me that it needs to be manually captured as there was an issue with some of the data that came across (although they cannot see which data is causing the problems).…

hi all. Been on here a lot but just wanted to give an update/ advice needed 5 CCs. All defaulted but Tesco have not sent me anything in few years and not paying them anything. Not sure what even going on the other 4 i pay small amounts to each month what I can afford few are asking me to do a budget planner. I have told…

I’m trying to understand my latest bill. For context, I signed up for a new fixed tariff in April and am billed monthly. My latest bill includes the note: “On this statement you will see reversed charges; this is where we have recalculated some of your previous charges.” All of the reversed charges relate to gas. Why are…

I've been contacted by an older family friend who claims Housing Benefit. She pays income tax on her private pension. Her council have told her that they use her gross private pension income for her benefit calculation and not her net income; they ignore the taxes she pays as they count her taxes paid as her income. Saying…

Hello everyone, First time poster in need of some help. I have received a county court claim from the notorious Civil Enforcement LTD. I received a PCN back in Aug of 2023 whilst donating blood at a local community centre. I hadn't noticed since my previous blood donation that the community centre had installed cameras. I…

Hi My grandchild has a bare trust containing SMT . They will be 18 in a few months. Im trustee. Ive already been selling and removing some of it over the last few years into their cash isa . No room in the isas for this year now, but I sold about a10k part of t of SMT last Fri as I felt suddenly uneasy it would drop a lot…

Hello, I received my claim form and emailed my AOS to the email address given. I then realised I could use MCOL so logged on to that, a few days later. I intended to upload my defence via MCOL. It has the below written on it: 'A bar has been put in place on this claim. You cannot respond to the claim at this time.' Does…

Hi I use my laptop or Chromebook mostly Recently started using Chatgpt or whatever its called and often the Goolge one I've looked for free apps that talk back to you - but they are not free, or I cant get them to work which is the best one, ie easy to use for general stuff Thanks

We are selling our property and the buyers solicitors have said they require us to pay to merge the title deeds on the basis the lease only appears to grant easement for water supply and drainage so cannot see any benefit in keeping the lease. Would this be something we need to pay for before we sell? Or should it be up to…

Hello, Advice needed. I have received these letters from Debt Recovery Plus and Horizon Parking due to an apparent breach of rules at an Iceland store, the V5 address was incorrect so only recently aware of them. I am not sure if the NTK letter(s) were received (or maybe thrown away). Regardless, I do not have the NTK but…

Can you top up Sipp and then put it straight into drawdown without incurring any penalty from HMRC? It just seems a bit cynical to me. I made an employer contribution of 25k from my Ltd Co on 8th of April. I made a personal contribution of £2880 a month ago. I made another employer contribution of 5k today. Can I put the…

MSE Additional reading: You might like to read our latest Cashback sites news story: Are you a cashback site loser? Back to the original post... Hi everyone, If you have a question you'd like to ask cashback website Topcashback directly, post your question below and it will try to answer. If you want to discuss other…

Here's one for you. Overstay at a retail park. Driver A drives in, driver B drives out. Keeper receives a POFA-compliant NtK. Genuinely thinks they are not the driver - after all the Act states: "driver” includes, where more than one person is engaged in the driving of the vehicle, any person so engaged. So they transfer…

I got a parking ticket from Camden Council today, i was working for a customer and i parked up outside, my customer did my parking online and so i thought i was covered. When i had finished the job i went back and saw i had a ticket, the problem is that i had parked in a 'pay n display' bay and not the residents bay which…