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Council tax empty property
HiMy daughter lives alone in her own house, so she normally gets reduced council tax (only one person in the property. Currently she is having mental & physical health issues and is living with my wife & I. Is she liable to pay more council tax? Does anyone know what the situation is?
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103 minutes at 90 minutes limit McDonald's Parking Lot
Good morning.We parked at Wembley McDonald's a few days ago and received a PCN saying we parked for 103 minutes which is 13 minutes over the 90 minutes limit. We are thinking to appeal on below ground:We traveled with 2 small children so we needed more time to find a spot where there's enough space on both sides of the…
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Applying for Planning Permission without owning the property
In March I sold my house through an estate agent to a buyer who was supposed to be a private cash buyer. It soon came apparent that the buyer was actually a business, but still it was meant to be bought for someone through their partners business. That again became a lie and I was led to believe it was either going to be…
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ZARA - where is my refund?
Ordered online on 06 June. Returned via Evri on 16 June so well within their 30 day return period. Have been in touch four times now via their "Chat" option which is the only way to contact them. A bot who may or may not put you in touch with an agent. The agent may or may not reply and may leave you hanging on or just cut…
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Has Trading123 withdrawn its "newbies bonus of 0.88%"?
I can see no mention in their website beyond the standard rate of 4.1%.
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Multi Policy Travel Insurance
Hi all - Just a quick question. I am going travelling in October to 4 different countries over a 6 week period. I am not spending anymore than 2 weeks in one location before I move on to somewhere else. (Japan / Vietnam / Laos / Thailand). Would I be covered using annual multi policy type of insurance or would I need…
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Nat West Bank Account-Clarification Questions
Not clear on whether the £1250 that needs to be paid is a one off payment to qualify for the £125 payment (I know it can be made up of several payments) or do you then need to continue to pay £1250 every month. Martin Lewis website states £1250 per month. Again, not sure if this applies to the Reward account or the Select…
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Peugeot Boxer van
Good morning so bought a boxer van 7 months ago had it on finance and its blew up I've had a quote for 6-8 grand to fix it however from speaking to the garage they have stated it should of lasted a lot longer based on the vans history?? do i have any legal stance on this? Thank you
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Capital gains tax after separation
Hi, I am in a bit of a complicated situation re second property ownership with my former partner and whilst we are in the process of separating our assets I want to know where I stand re Capital gains tax. Background: My former partner and I currently own two properties: * Chester Property – our home, which we lived in…
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What’s the best strategy to pay off high‑interest credit card debt?
Hi All, I'm Kamal Hinduja, based in Geneva, Switzerland (Swiss) . Can anyone explain what is the best strategy is to pay off high-interest credit card debt? Thanks in Advance! Kamal Hinduja Geneva , Switzerland
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Copilot - spooky !
I've used copilot a lot in the last year. Yesterday I needed to upload it a file for its opinion. So, for the first time I needed to login, which I did via my Microsoft account. I understood that when you log in it saves the conversations. Remember - I have never logged in before yesterday.But when I looked at the history…
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Virgin renewal doesn't mention V6 / Tivo
My VM is out of contract. When I login it says: Same package, better price £98.88 > £55.37 a month Renew your current Virgin media package at a discounted rate. This would be fine however I currently have this for TV Mixit TV Virgin TV V6 box powered byTivo Additional TV box The detail of the "same package" deal just has…
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Charging a RC car battery
I am trying to charge a Tamiya RC car - and on charging the LiPo battery - I discovered that the charger does not illuminate its LED...It is a 6 cell (1.2Ah) battery pack and a Fusion NX84 charger with a 2 colour LED that is supposed to display green when plugged in and red when charged...Any suggestions ?How long should I…
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Drain pipe damaged by roots
Cut a long story short, blocked drain pipe. Camera had picked up that roots had damaged the pipe on my property and also caused the sewer to collapse. In terms of the sewer I know I should raise this with the Water Company to fix. The trees where we believe the roots are from are on council land (pavement). Has anyone had…
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Moving house Openreach detects issue to activate Broadband
I am moving house on Friday and when I applied for the broadband connection, they said it could be activated remotely by Friday. However I then received an SMS from Openreach and said that they have detected an issue and an engineer visit is required. Would I be right to suspect that the most likely issue is that the…
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95% Mortgage for 19 year old - Advice
Hello all - My stepson is currently exploring the possibility of moving out of the home and getting a mortgage on a flat with his partner. He has steady full-time employment and earns a decent amount - and his credit score is over 900. He has enough of a deposit saved up to cover 5% of the property - and has started to…
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Faulty used car
Hi, I'm new here and really after some advice, please. My daughter bought a used car at the end of April this year. She paid £6500 for the car but £1000 of that we paid as a deposit on our credit card. She had a personal loan for the rest (not a car loan). She bought it just before she had her driving test, so we brought…
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Computer screen frozen/on the blink in Ford Galaxy, likely fix?
We've just paid £1.6k to get our 16 plate Galaxy through its MOT but the garage can't do anything about the frozen screen. We can't change media source/control heating/answer calls as the screen is 'frozen' - it does respond if you touch it but only into the temperature screen where it then doesn't respond. Luckily there…
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Old Style Daily Wednesday 09 July 2025
Morning all
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Clarity over Cash ISA
I deposited 20k in a cash ISA last year and made approx. 1k interest. I noticed that when I login to my account it states I have another 20k "remaining" to invest. I assume this is because of the new tax year. If I deposited it another 20k this tax year will the interest on the 41k be tax free?
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claiming Attendance allowance
Hi all, my aunt has an AA claim, now circumstances changed as her husband fell down stairs and broke his neck. so now not only her claim is different as eh has new things but he has a claim now too. I wondered if 2 claims, one revised plus wanting extra support for housing care like stair lift, wetroom etc etc is taken…
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PayPal 3% Cashback July to September 2025
Did a quick search but was unable to find an existing thread about this offer I saw advertised on television tonight. You can choose from four defined categories of expenditure each month: Food and Dining, Fashion and Retail, Ground Transport and Home and Electronics. Max cashback £15 per month.…
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Provit Letter with minimal details
Hello - I’ve had texts from the debt collection agency Credit Style asking me to contact them, with a reference number. I do not believe I owe anything, but don’t want to risk a CCJ being sent to a previous address, which I would then be unable to challenge. I would like to send them a Provit letter, however, I also don’t…
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Overseas visitor charge for using A&E
My sister in law came to visit from Turkey. She had severe pain and so my wife took her to A&E. For some reason she was not triaged in A&E but sent straight to gastronomy department, where she had a blood test, a quick examination with a Doctor, and a pain killer. We now have received a bill for over £1,000 because she is…
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SAR to PPC – Has Anything Changed?
Hi all, I noticed that the section about SARs in the NEWBIE thread seems to have disappeared. Has anything changed since I last visited the forum? I’m asking because I’ve received another invalid NTK, issued 13 days after the parking event (which I even paid). I was planning to send a SAR to the PPC to find out what…
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Water Bill dispute help if water board not helping
My 86 year old parents noticed a dramatic increase in their water usage, and contacted the water boards, who discovered they had a leak and “fixed it”. Which they didn’t, they called them out again and repaired it properly a second time, so they were told, we contacted them again and they said it is high and they would…
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Just Park App
Hi, can anyone help me. I used the just park app to purchase 1 hour parking in a car park. The app charged me £53.00 and has booked me a space until 24th July. I noticed the error straight away but you could not cancel within the app - I still can’t. I clicked on request refund and they have come back to say that they…
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How can I learn Python in my own time, informally?
Hi all I want to stay learning Python… simply to stop me wasting my evenings watching Facebook junk videos etc when I could be using my time better. I’ve decided that I want to learn a programming language and I’ve chosen Python. So, I went to Google and every ‘free’ course always ends up not free. The same on YouTube.…
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Copy of tax return from accountant
We normally do our own tax returns as we have a fairly straight forward situation. This year however my husband has had a few changes which has resulted in his tax return being more complicated. On this basis we are going to get an accountant to do his and due to the prices we have been quoted, I will be doing my own still…
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Continuous Health Care Advice (Assessment structure)
Hello everyone Hoping someone out there can help. My Dad is in a specialist care home for Dementia sufferers. My mum applied for CHC (using a professional company for support). The report has just come back and has found Dads level of need does not meet the threshold to be taken forward to full panel assessment. My…
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Virgin broadband renewal
Hi all. As expected, our Virgin Broadband monthly payments are going up astronomically when our deal expires in a couple of months. Does anyone know if it's worth haggling with them or should I not waste my time and go elsewhere? Any advice welcomed. Thanks.
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Poor car dealership experience
Hi, After some advice please. We took our family car to an official manufacturer dealership for service in March. After the service the front left wheel fell off whilst driving causing surprise and predictable damage to front left bodywork, wheels, brakes and suspension components. The garage admitted that this was caused…
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£205 (-£36, so £169 net) for switching to Santander
Just got my newsletter and this offer caught my eye. Has anyone tried it? I already done it once (it was some time last year) with First direct and it went without a hitch. What about Santander?
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Switching a joint to santander
hi all looking at switching to santander for the £200 can we switch our halifax joint? Does anyone know? Thanks in advance
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Moorside Legal Court Hearing / Preparing Witness Statement
Hi all, I just got my letter come through to say I have been allocated a court date on August 4th (small claims). Some background... I received a non-POFA PCN in October 2023 and I've been following all the usual steps. I submitted a defence using the Moorside/DCBL template and I'm now considering what my options are to…
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A Weird Tax Problem
Hi! I am just trying to help my daughter as she has a really weird situation going on with her tax. So it all started in 2022. My daughter noticed a random company appear on her online HMRC account that she was supposedly working for and because her actual employer for the job she did work was also there - she was suddenly…
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Help with curtain size
My window size is 180 cm width x 130 cm height (from curtain pole to little below window sill) What size of pencil pleat curtain I need to buy? When it says 2 panels, does it mean sum of 2 panel width should be same as little bit more than my window's width? The curtains will be hung from a corded curtain pole. I have a…
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Remortgage for a buy to let
I have no mortgage on my residential property valued at £500,000 Could I remortgage my home to purchase a buy to let I understand buy to let's you need 25% deposit However if i am remortgaging my residential house to raise the funds would I still need to a 25% deposit The buy to let is £375,000 and I will put down 10%…
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Combining multiple pensions?
I have job hopped throughout my career and accumulated approximately seven different private company pension pots. I hit 62 years in June and am now working part time and looking to, potentally, start drawing down my pensions. Is it worth combining these pots and buying a single Annuity (don't really need a tax free lump…