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O/S Daily Wednesday May 20 2026
Morning all
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What are the ways to protect my money?
Hi everyone, I have recently come into some money via inheritance. I'm petrified of my bank being hacked or something happening with my bank where I lose it all. Is my best option to just split it over a few different banks or can you advise on other things I can do? Thank you so much.
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UC Migration from ESA - permitted work v work allowance
Hello, Whilst I am receiving a little more per month on UC ( mandatory migration from ESA ), due to transitional protection, I am losing a lot more, when you compare UC earnings limits with ESA. For example on ESA 2026-27 max. earnings are £881.83 p.c.m., before affecting benefit payment, however, on UC, max earnings (…
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Issue returning online orders on time due to no reply from retailer.
I'm currently in a situation with Debenhams' online site. I ordered 6 items together on one order & needed to return some of these items. About half of the Returns went smoothly, but the other half had various issues which I couldn't resolve on my own. I immediately contacted their Customer Services Department by email (no…
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Higher Rate Mobility Query
Hi Everyone, I was hoping someone could help with this query. My stepson has autism and my girlfriend recently applied for the higher rate mobility for him. This came back rejected, but she has appealed the decision. Just a little backround, we don't live together currently, but will be soon. She doesn't work because of…
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Midas Man - Studio POW (Epstein) Ltd Film Investment
Does anyone know what is happening with the investments made in Midas Man and the other Studio POW productions? Studio POW Ltd itself appears to have been dissolved, although the Midas Man vehicle is still open. The websites and phone lines have gone - where has the film gone? All info woud be gratefully received…..
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Help with pCN court claim
I need some advice with a defence for this claim. Moorside legal services.
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Private car sale query.
Basically, the Cam Belt had go my dad's old 2006 Kia Sportage had gone according to a local garage he uses (he had bought it used a fair few years ago, from somewhere else). It was going to cost him around £1,200 to fixed. He thought it wasn't worth getting it fix considering the age of the car. So he had me put it up for…
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Selling my house with cleared up rat problem
Ive recently dealt with a rat issue in the loft, I have a report from the pest controller that a rat gate has been put on sewer and so far no other issues. Ill fully mention this on a TA6 report to stop future problems with any seller so I'll be expected to lower the price but not sure by how much is reasonable. The house…
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John Lewis wouldn't let me buy Euros for my sister
Apparently it's an anti-money-laundering thing but it's crazy. He said "where are you going?" I said "Well, my sister's going to Berlin..." I was about to explain she'd lost her purse and cancelled her cards, and wouldn't get new cards in time, so she'd asked me to get them, but he said if it wasn't me travelling, I…
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Is this termites?
Hi, we live in a Victorian terrace and had a new engineered wood flooring laid over our floorboards about two years ago. In the past two weeks we are finding a pile of grey thick 'dust' near the copper pipe that goes from the floor to the radiator. We vacuum the dust and a couple of days later it reappears. There are ant…
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Watch the UEFA Champions League, Europa League & Conference League finals 'free' or cheap
Alright fellow football lovers? I've written a new Deals Hunters' Blog on how to watch the forthcoming finals of the three men's European club competitions, plus the Women's Champions League, for 'free' or cheaply. If football's your thing, you'll likely be aware that the UEFA Champions League, Women's Champions League,…
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Health is important with investing, not just wealth.
I was having a think about investing recently and even compared to 10-15 years ago we have never had so much advice and information at out fingertips regarding investing. Loads of online videos, forums, online journals and you can order investing books online as well. i remember in the early days of Youtube things were a…
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Life By The Seaside
Good Evening fellow debt busters. Sadly real life caught up with me and I had to start a new diary with a new username. I had a honest chat with my friend about my concerns and they did say they wouldn't follow my previous diary but its been a bit of a reality check for me. I was easily traced by my username as I have used…
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oops
posted in error
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Judgement by default even when replied to claim
i have received a judgement letter today even when i submitted the acknowledgment on MCOL website 2 days after receiving the claim letter i did not file a defence as I was not aware or was not informed i had to do it straight after acknowledging the claim Please help to move forward and try get this ccj removed from report…
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Overpaid income tax 2025/2026
Looking for some advice regarding overpayment of income tax for 25/26 tax period,The overpayment is a result of an unusual set of personal circumstances of approx £4500. I know that HMRC say that any under or over payment will be resolved between June and October 2026 for the previous tax year. In peoples experience is…
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Probate application help!
Hello, I know you'll probably tell me to pay for a solicitor but I'm really hoping some kind soul might help me with what should and shouldn't be included in my Dad's probate application. I'm almost there but going round and round in circles with the exemptions particularly for the IHT part as much of it passes to my Mum.…
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Small claim struck out for unpaid trial fee, but new trial notice received
Hi all, I’m dealing with a small claim from DCB Legal on behalf of Euro Car Parks Ltd and would appreciate advice on what I should do next. Timeline: Claimant filed DQ: 11/09/2025 I filed DQ: 30/09/2025 Claim transferred to Barnet: 04/11/2025 Mediation took place After mediation, I received no court communication until…
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ISA partial transfer?
I have an ISA with trading 212, opened in Feb 2026 into which I transferred all my savings from Moneybox, which included the 20000 paid in from 25/26 allowance. Stupidly I didn’t realise that only the 20000 would get the promo rate of 4.4% and the rest is only getting 3.6%. Is it possible to only transfer the balance on…
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M&S threatening letter saying account will be closed- overdue payment 0.00 (yes ZERO)
Hi M&S sent be a threating to close my account in 14 days if I don't pay an overdue amount of "0.00" yes ZERO. It doesn't fill me with confidence with HSBC takeover! I have tried calling them but hard to get through and the app is horrible, AI garbage responses. Shall I leave it or risk an account closure and ruined credit…
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Bank of Scotland £175 switch offer (19/05/2026 to 29/06/2026)
Launched today. Applies to Classic, Silver and Platinum Accounts only. + Requires switching over 3 active direct debits as part of the switch (i.e. they must be set up and active on the account you're switching over to BoS before you start your switch). + No requirement to move any cash across. + You must open your account…
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What can I plant in these small pots next to Brick Wall
Hi all. We had an extension built but the pattern imprinted concrete was damaged when digging footings. We filled the concrete in and tried to make it look like the original but it stands out a bit. Therefore, we are going to put some planters with flowers in over the concrete. You can see from the picture that the…
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Small Claims Court advice
Hi, I've had a dispute with British Gas for years now and want to start preparing materials for a court claim. I'm not 100% sure where to start though! The amount is fairly small (~1k), but it's been years of deep stress and repeated poor customer service (and lies) from BG. What approach should I take? Thanks!
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Not our debt
We recently received a debt letter from bwlegal who acquired the debt from JC International Acquisition on behalf of EE. We have never used EE and when we called bwlegal, they told us the original debt was for somebody at a different address but with my husbands name. We were advised to contact the police for a crn. They…
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Fitted furniture nightmare
I just bought my first home. It requires a lot more renovation than initially anticipated! I figured I would get some decent fitted furniture for the bedrooms whilst I work on the rest of the renovations myself to try to save money. I contracted a prominent, premium national wardrobe company charging over £6000 for 3…
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choosing a used small van
Its been quite a challenge trying to find the right van for our needs especially with our meagre budget of around £5k ish Its only for my wife and I and our 2 sometimes 3 dogs, NOT to sleep in, just to go for day trips but we want two seats at the front and 2 seats or bench seat right at the back. In the middle room for…
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Retailer has still not refunded me : Section 75 claim?
Hi all, (Apols this is a long one! TLDR at the end) I bought a mattress from a well known company about four years ago. Mattress developed a dip in the middle so I contacted them (as I had a 10 year guarantee) and they agreed it was a defect and offered me a refund. So far so good Since that time I have had to : (a) Prove…
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Where to buy a refurbished laptop or all in one pc
As the above, can anyone recommend where to buy either a laptop or a mini/all in one pc? I slightly prefer all in one pc due to a bigger screen and keyboard further apart. Possibly ex office equipment? Any ideas where to look?
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Motoreasy alloy and cosmetic insurance
Hi I recently bought an almost new car (pre-reg) and was looking to buy a motor easy gap insurance but interested in the Alloy and cosmetic cover. The alloy and cosmetic cover are considerably cheaper than dealer offerings. However, are they worth it and are their claims and customer service any good? I have had their…
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Horizon & Gladstones. Received a LBC!
I’m looking for some advice regarding a private parking charge that has now reached Letter Before Claim stage. The incident took place on 21 April 2025 at Tesco Gallows Corner, Romford. The parking company is Horizon Parking and the solicitors are Gladstones. The vehicle was parked in a disabled bay while shopping at Tesco…
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Home Buyer's Survey
My buyer had their home buyer survey completed today - it seems that they will be looking for a further reduction. Should I wait and see what happens as they have already delayed the process by 4 weeks, changing mortgage broker and then rebooking surveys..
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85 year rule
Hi, I would like some advice on the above. I qualify for the 85 year rule when I'm 60, currently 53. i understand that any contributions made before 2008 are protected. I have used the LGPS pension calculator and it makes very little difference whether I retire at 59 or 60, just the usual increase that you would expect to…
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My bank doesn't want my money.
I wanted to pay £10,000 in cash into my bank and they said no, I would have to make 4 trips on seperate days and I live in a rural location miles from the bank so stuff that. I seem to be stuck with it , back under the mattress it goes.
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Micro housing ?
Why has our planning system in the UK focused on massively expensive bricks and mortar homes ? With modern materiels and bulding technology now it is easy to create a comfortable home on a permenant or non permenant basis on small holdings, unused agricultural land, repurposed land ect there are plenty of ways to do this…
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mattress 7 year warranty
after five years the mattress has after independent inspection been found faulty. the edges all the way around the mattress has collapsed. the springs are broken and there are 5cm dips, I cannot get comfortable. its a John Lewis mattress. lady at J L said we wouldn't entertain a claim as your mattress has stains on it. I…
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HELP! Two banks closed my accounts, but their cheques are of no use to me
Newbie in need of help here! I recently had my account closed by the Cooperative Bank, with almost no notice and without a full explanation, other than "breaching terms and conditions". I know that I have really poor credit rating, so I applied for a Basic account at HSBC, which was granted. However, as soon as I used my…
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Horizon/Gladstones LBC — pretty sure the 10-min rule doesn't apply to my visit?
Hi all, first time posting, could really do with some fresh eyes on this. March 2025 — parked at a Tesco car park for 31 minutes while using the EV chargers. Horizon issued a PCN for breaching the 10-minute maximum stay. Appealed to Horizon — rejected. POPLA — rejected. Now at Letter Before Claim stage from Gladstones for…
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Slow water leak
Just looking for advice on the next step - having exausted all indoor possiblilties. I've just received the quarterly bill from South West Water and it shows we used over twice the amount of water compared to usual, and compared to the same quarter as last year. I looked at the water meter out on the path and the little…
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£1,180 Mediation Call with DCB Legal
Hello, I have a mediation call tomorrow for total of around £1,180 for 5 different occasions at a accomodation in London. We had to park there because our council arranged it as emergency housing. That was back in 2023. Is it worth offering anything or shall just deny everything and go to court? Any help, advice or ideas…