-
DCB Legal #Discontinuance
ECP and DCB Legal, received the notice a week before they had to pay the court fee. Thank you newbies thread! @Umkomaas
-
Water Bill - Sewerage volume calculation
I've just received my water bill (which has increased by 50%) and I can see that they have billed me for exactly the same volume of sewerage as they have water volume. E.g. in one quarter it was 33 cubic meters M3 for both. I presume that they can only read the amount of consumption from a meter and not the amount of…
-
Taking kids to Spain as a Dad and partner
Hello, We've got a holiday to Spain booked in a few weeks time. Im split from my wife, with a new partner, and we're taking my 3 kids with us. Their mum is happy for them to go, and we have a permission letter for her to sign that gives all the details of the trip, flights, accommodation, dates, etc, along with my wife's…
-
Request to submit defence after set aside - smartparking
Hi quick question and a situation I haven't come across yet. I recently succesfully went to court for a set-aside of a CJJ on the grounds it was improperly served. There is a story to this I'll post another day and @Coupon-mad thank you for everything you do. Judge agreed to award set-aside and all costs. However he also…
-
Received a NTK letter for McDonalds Thurrock, Essex car park
Hello! I am new to this forum and have read other threads left about disputing a NTK letter and I did find a thread (few years old), that is related to this same car park that another person got a fine from but their letter was a Non POFA compliant looking at the images on the link posted (which I don't think I can post…
-
Event Cancellation - Heritage Live
Hi All My daughter brought me tickets for Eric Clapton etc. at the Sandringham Estate. She purchased them with a bank card. The emails going back and forth are a nightmare. I assume under UK law it is the seller that is responsible, so it's them she should pursue for a refund. It appears Heritage Live were not selling…
-
Copy text from header into main text
I'm working on a Word text and I made the mistake of writing some text in the header. I don't need the header, I need to have the text in each header in each page. The header of each page has different text. Cutting and pasting it page by page (nearly 30 already) would take ages. Any advice? I wouldn't mind clearing the…
-
Disaster moving cash ISA from Skipton to Halifax
Anyone had problems moving money out of Skipton to another ISA? I am weeks in to the process and so far have had several letters from Halifax stating Skipton have found a mis-match between details provided by Halifax and their own records. We have checked everything and spoken to Halifax. The only thing we could find was…
-
University - when does child benefit stop?
I am probably missing something really simple. Our 18 year old will hopefully be going to Uni in September, and our 16 year old to college. We had letters asking to confirm if either will be continuing in approved education, and if we don't respond the benefit will cease in September. We extended the 16 year old, but I am…
-
Disassociate Myself from My Twin Sister
How do I disassociate my own credit report from my twin sister credit report? We were born on the same day and share one common name. We both live together and I can’t get credit because I apply and the providers check my sister credit report who is in debt. I have no debt and it is frustrating.
-
Plan b student loan increase
I am 26 years old and have a Plan 2 student loan. My balance has risen from approximately £29,000 in 2022 to over £32,000 in 2025 despite repayments being deducted through PAYE. According to my statements, interest added each year has exceeded my repayments, causing the balance to grow. My earnings have been around £40,000…
-
Insurance accident via third party major issues
Hi everyone, Sorry if this is in the wrong section. I’m looking for some advice as I’m not sure where I stand legally. About a year ago, my van was damaged by a forklift while goods were being loaded. The business verbally accepted responsibility at the time, and the claim was passed to their public liability insurer.…
-
RAV4 vs Corolla Touring (both 2021)
Hi All, I'm struggling to decide between a RAV4 or Corolla Touring Sports (both hybrid, say 2021). I generally buy 12+ year old cars and run them until they die, so this is the first time I am buying a relatively newer used car. I almost pulled the trigger on RAV4 but now I'm confused. The reason is that I do a 100-mile…
-
Dart Charge - Enforcement
Hello, I am writing this on behalf of someone else. The individual in question used the Dartford crossing in February of this year and wasn't aware of the requirement to pay. Yesterday, they had a visit from an enforcement officer demanding payment. Some context - both they and their daughter are disabled, suffering from…
-
old bank charges
Hi just a quick question, before the old bank charges claiming stopped, husband had racked up lots of charges 2006-2010 approx, we tried claiming bit was refused, can't remember what date refusal was, anyway he now has a ADHD and Impulse control disorder diagnosis within last 10 months (explains a lot) wondering if this…
-
How to get a Motor Ombudsman Decision
My clutch went when my car was just one year old and had done just 12,000 miles. My local Skoda dealer said it was wear and tear so was not covered by warranty. I pointed out that I normally keep my cars until around 80,000 miles and have never previously had a clutch fail. Therefore, in my view, the clutch must have been…
-
How long would you wait before considering pulling out of a sale?
Got an offer on my house, now it's 4 months down the line from the memorandum of sale and estate agent is still apparently chasing every day, but my buyers' solicitors and their buyers' solicitors are still "dealing with enquiries" with no end in sight. How long would you wait until just saying "the sale's off"? Because…
-
Delivery driver forged my signature and left in an unsafe place
I purchased as item online and the postage which had to be signed for costing £6.99 FedEx sent a message re date and time of deliver. It hadn’t arrived so I checked online and it was delivered before the allotted time. I have 24 hour serveillance cameras no one had set foot on my property. I called the company I purchased…
-
Major Keying Error - currently being messaged by Trace Debt Recovery
Hi everyone, really need some advice for an NCP Parking Charge that's since been passed to Trace. on the 4th March I parked and paid at NCP Lincoln Brayford Street. I paid the fee of £14, and have bank evidence confirming this (location, date, money paid). A month or so later I received a Parking Charge Notice by NCP…
-
Northern Ireland registered car, ticketed in England
The registered keeper of a car registered with DVA Northern Ireland has received a ticket in the post from a private car park in England, issued by a company called 'Initial Parking'. My very crude & limited understanding is that POFA doesn't apply in NI, however it does in England & Wales. What I'm unsure of is if POFA…
-
phone companies blocking me online
I have contracts with O2 and EE and I have paid off my line rental contract on both but now I am unable to log in to the billing section to pay my device contract as they have blocked me from accessing the billing options. The problem with this is due to paying the line rental contract early I still have the devices to pay…
-
Broadband deal
hi does anyone out there know if the Vodafone deal on MSE has a connection charge. ( it’s the one with £145 incentive). I have been going round in circles all day trying to get an answer. Help!!
-
Property not on Land Registry
I have just discovered that my house isn't on the Land Registry. I bought in 1980 and it seems all purchases after 1990 are on the registry. I have searched for info online and gone down the usual rabbit hole of misinformation and adverts for Solicitors. I have the original deeds from 1890 (a true work of art) and details…
-
NexusGroup CCJ
Good afternoon, If searched the web for similar CCJs and found the same one on this forum from over a year ago. This is my first time dealing with such thing and have never had a “parking fine” go this far. Any help with creating an appeal would be great. I’m not even sure where to start. I have attached the paperwork with…
-
Which washing machine to buy
Hi all, We currently have an Indesit washing machine that's lasted about 2 yrs before the programming panel became wonky and it developed a leak in the powder drawer. We're looking for a new washer but there's just so much choice and in the new throaway age we don't know what to choose. I know Miele is the best brand but…
-
Hargreaves Lansdown Cash ISA (Powered by Shawbrook) 4.3% AER
Just a word of warning for anyone considering opening this particular Cash ISA with Hargreaves Lansdown. I opened this very ISA in Feburary which at the time was paying 4.3% AER. In the short time since they have already dropped the rate 3 times. In May they dropped it to 4.01%. In June they dropped it again to 3.73% and…
-
Ringo Parking scam
Apparently this is quite common, where you get a text supposedly from RingGo, saying something like there has been error with your payment/you owe money, and there is a link to a dodgy website. The worrying bit is that I received a text like this, less than 30 mins after parking in a car park where you can pay by RingGo.…
-
Trust Wills
Good afternoon, Our circumstances have recently changed so we need to make a new will. It is my wife and I. We both have one (adult) child from a previous relationship. We have recently moved into a new property, which we own outright. Our previous property was in my name only. But this one is now in joint names. We are…
-
Amazon Music - no Prime discount if you buy via Apple App Store
This discussion was created from comments split from: Free upgrade to wifi 'free ' music system if you have amazon prime.
-
UKPC POPLA Appeal- Registered Users Only
Hi All I've got a couple of days left to file my POPLA against UKPC for a PCN my dad received for parking in a 'registered users only' car park. He last used it in 2023 prior to UKPC taking over so was unaware of the restrictions. My draft POPLA is below- I'd welcome any comments or recommendations. I haven't mentioned it…
-
O2 Classic
I have a mobile on O2 Classic PAYG. I can log on to the O2 web site (I don't use their app) and see the current balance and how to top up. Is it possible to see recent activity, such as which numbers I phoned, or whether money has been charged for calls, texts or data? If so, how do I do this, please?
-
Are boutique estate agents better than large chains for selling a London property?
I'm planning to sell a property in London and I'm trying to decide whether to use a boutique independent estate agent or one of the larger national brands. From your experience: Did you get better communication from a smaller agency? Were the fees negotiable? Did they achieve a better sale price or simply provide better…
-
Advice please- non fault RTA- 3rd party insurance refusing to pay full repair cost
Hi I’m a newbie and this is my first post so apologies if I get anything wrong please be gentle! Also sorry it’s a long one… My 19 yr old son was involved in a non fault RTA on March 20th. All on dashcam and not disputed by other driver. All done through other drivers insurance (Hastings) and initially seemed fine - they…
-
Any advice for visiting Malta next month?
Hi all, We're 2 adults going to Malta on the 5th August for 3 days. We're staying in a hotel in Qrendi. Does anyone have any general travel advice for Malta? For example: Do they have the same plug sockets as the UK, or will I need my plug adaptor? Are cards generally accepted everywhere, or should I take cash? If I take…
-
Pension or savings?
Hi all I am 42yrs old and due to long-term illness have no savings or pension (except the state pension). I am now in a position to start something for an income/funds after I retire. I have about £200 in a ‘people’s pension’ which is from an old job. They charge £6.50 a year and take 0.5% of my pension pot anually. It has…
-
Now that Elon Musk's X Money has officially launched, what are your thoughts on it? Has anyone here
I've been following X Money closely, and it looks like it's now rolling out in the US. There seems to be a lot of interest, with many people trying to secure early access. What caught my attention most are the reports that eligible users in the current rollout may have access to features such as around 6% APY on qualifying…
-
Memorial service costs - IHT deductibility
HMRC manual states that staff should seek advice where a claim for memorial service expenses is made. This suggests that such expenses may on occasion be deductible. Would this be the case where, a month or two after death, a memorial service is held where there has been no prior funeral service (because body disposed of…
-
fine for daughter practising parking in Sainsbury's Maypole Euro Car Parks
Hi From the Newbies thread I know I should complain to Sainsbury's first, but we weren't shopping there, just practising parking on a Sunday evening 28th June from 8.30 pm to 8.52 pm. This is the car park that the driving test centre use on the test so my daughter went there to practise. My local Sainsburys has a 2/3 hour…
-
Share of freehold company and Person of Significant Control
I have a share of freehold where there are 5 flats with 20 shares each. There is a company set up with three directors including me. One person is named as a PSC even though they also have 20 shares so only 20% of the company. They are resigning and another freeholder will become a director. I think it is historical that…
-
Should my daughter take out a student loan
My daughter is starting 1st year at university in Scotland so I believe her student loan will be on plan 4. She has been lucky enough to receive a scholarship which will more or less cover all her expenses over the next 4 years, she will still take a small amount of loan to make sure she isn’t struggling financially. We…