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DCB LEGAL Parking Eye
Hi, I have just received a claim form from the county court & just wanted some advice on how to respond regarding my defence. I originally said there was insufficient signage etc but have now been told by the driver of the car that they entered the reg number at the till in the supermarket cafe to get an extra hour free.…
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Octopus Flux, delays with Export
Hi all. Im an existing Octopus customer, has SMETS2 meters installed in May 2026, solar and battery early June and eventually, paid under Octopus Outgoing from end of June. To maximise saving, I also signed up to Charge Pack. Recently decided with falling sunlight that I needed to change Octopus tariffs to one with import…
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MSE News: State Pension likely to rise by up to £13,000 a year next April
Read the full story: https://www.moneysavingexpert.com/news/2026/09/state-pension-rise/
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Can't get into my Amazon account
Hi, I have been buying off Amazon for years but now cant get into my account. Whilst i tried to log in with my laptop by first submitting my email and password, It then said it sent a code to my mobile phone and to use whatsapp to get it…but thats no good to me as my mobile phone is a dumbphone [i do have a smart phone but…
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Have I missed anything at my current stage?
Received a parking charge notice a couple of weeks ago as the registered keeper for a Tesla vehicle which drove into a hotel car park with a 24hr publicly accessible 8-10 bay Tesla supercharger to charge. The driver never left the vehicle, only to plug in for approximately 20 minutes before continuing their journey. The…
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Hot water heating - oil or off-peak electricity?
I use my oil fired boiler to heat my hot water cylinder but I have just looked into getting an EV electricity tariff that gives me an off-peak rate of £0.09/kWh. Oil is now at £1.15/litre. Has anyone a method of calculating which is cheaper, oil or electricity?
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Re: need to request personal data from credit reference agencies
Evening! I was looking up a companies "company policy documents" and they stated that they may, in certain instances – notably in compliance of Money Laundering regulations – need to request personal data from credit reference agencies or similar. In particular they use SmartSearch. found hear…
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Is it really this easy to create rich children (or at least very well off)??
Say I'm 30 years old. and I have lived my 20's and I'm not broke and have no debt. So say now I have a child - the minute this child has a birth certificate I make a stocks and shares JISA for the sprog. Now a JISA limit is £9000 per year ( £750 p/m) £750 per month in the stock market returning 7% is is £320K after 18…
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Adult son moving home and UC bedroom entitlement
Hello, My adult son who is 23 is potentially moving into my home, he is currently living with his father but needs to move in with me as he doesn't drive and needs to be near a station for a new job. I currently rent and am the only person on the tenancy, I have a 19 year who works and a 17 year old doing A Levels. I get…
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Redundancy/higher tax
I’m due to be redundant at the end of the year. Taxable income will be 56500 (to the date) Severance is 95500 (30k tax free) Anticipating a new job starting Jan where I will earn 17500 by end of tax year. So P60 will show somewhere in region of 139000. When I start the new job will I be taxed at the higher bracket ? Would…
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Bookmarks
I wish we could have the bookmarks in Quick Links back to how it was before the changes on Friday …
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You’re likely paying a lot less tax than you might think in retirement
promoted by a random Reddit thread about avoiding 40% tax, I wondered what the effective rate was when considering both personal allowance and 25% TFC. I farmed it off to chatGPT as I was musing during my lunchtime and I thought the info was useful to post for those taking drawdown up to the top of basic rate your effect…
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Oxbury email
Received this just now: We are writing to inform you that there was an error identified in your recent account statement from Oxbury (labelled as End of Term Statement/Annual Statement). That statement will be removed from Oxbury Online Banking and your Oxbury App whilst we correct this issue. That statement incorrectly…
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Manchester Airport PCN
Hi, any advice appreciated please. I forgot about paying for Manchester Airport drop off, and missed the deadline. A few days later, and in a panic, I emailed GeneralEnquiries.MAGParking@apcoa.com asking if I could pay after missing the deadline - received a bot response stating I could not pay, and needed to wait for the…
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Returned wrong item to seller !
returned item to seller as not as described - they paid postage both to and from me - only problem is I have posted the wrong item to them ! question - so do I have to now send them money to post the wrong item back to me ( how ? ) and then pay to send the correct item back ? Would it be worth doing or just cancelling ?…
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Sky and Now mid contract price rise conditions
Hi can anyone please help clarify this. I'm Looking at the best offers on https://www.moneysavingexpert.com/compare-broadband-deals/ but both Sky and Now come top but have these provisos: Alert. Unlike most big providers, Sky's price doesn't include all future mid‑contract rises. Sky says prices are variable and so doesn't…
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Tax repayment claimed back by HMRC
In ‘24 I completed a self assessment for 23/24 which included PAYE pay and pension as I retired in Nov ‘23. (No other taxable income). The calculation was in my favour and a repayment of £250 was credited, which I took as a cheque and I informed HMRC that I didn’t need to complete self assessment for the following year. I…
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DCB Legal / ParkingEye Claim - Defence Check
IN THE COUNTY COURT AT NORTHAMPTON CLAIM NO: (Removed by Forum Team) BETWEEN: PARKINGEYE LTD (Claimant) and [YOUR FULL NAME] (Defendant) DEFENCE The Defendant denies that they are indebted to the Claimant for the sum of £170.00 as alleged or at all. The Defendant denies liability for the parking charge, the purported…
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How to Pay for University Interest Free?
Does anybody pay for their young adults Uni course via the Unis interest free direct debit facility? Or does their young adult pay for its themselves via a part time job? I've looked into it, buts its on for 6 installments per year only. I think I can top it up between October and November too! How have you paid for it via…
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Creating extra gmail addresses
Be gentle - I am trying to get my head round this but do not handle change well! Scenario - have had BT email for decades, with a main address and what used to be termed a subsidiary address (used to be able to have several). Main is what I call my "personal" email used for family, friends and official & private stuff…
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Virgin Money / Bank Statements
My Virgin Money Bank Current Account statement has simply not appeared this mornth (covering August). Now even at the best of times this bank seem unable to provide a monthly bank statement on the same date each month, it often varies between 1st - 6th of the month. But this month its now the 15th September and still…
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PIP/Medical Records Request.
I am going through a personal injury compensation claim for my self. My solicitor has requested my DWP records as I claim PIP my self and its needed as part of my claim. My question is that I am also a appointee for my daughters PIP claim. Will DWP provide information to the solicitor that I am appointee ? and give…
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External wall insulation
Can anyone tell me if the wall in the photos,has been applied a cork render insulation? Thank you.
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If only it were true . . .
I got an email from EDF telling me that my tariffs would increase on 1st October. No surprise there then. But when I click on the link to the NEW prices I get the above!
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Best way to send money from overseas bank account to the UK?
My wife lives with me in the UK on a Spouse Visa. She wants to send around 12k to a UK bank account. Apparently Wise is the cheapest for sending money internationally but caps the payments at around 3-4k a month which is infuriating I imagine credit cards or normal bank transfers will give worse rates and I don't trust…
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Emailing my defence
Hi, so my defence and N9B form is complete and I’m going to send it today. Can I check, am I supposed to CC the claimant solicitor in too? And Its better to email it than submit via MCOL right?
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BG Standard Variable or alternative?
Hi all, We're due to come to the end of our fixed British Gas tariff "Peaksave Super Sunday v6" (which no comparison site seems to have heard of) and weighing up options given the price cap increase in October. We've been told by BG that we can switch now without fees, and will be switched to their Standard Variable Tariff…
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Distributing estate early
Hi gang, Dealing with estate as executor. Under some pressure from beneficiaries for their inheritance. Everything with the estate is done and ready, there are just a couple of outstanding debts/liabilities to settle that could still take some months to work out, i.e. DWP for potential overpaid benefits. Aside from being…
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Tesco x Euro Parking Services
Wanted advice on this case so I can get it squashed as quickly as possible. We have received a £100 parking charge notice from Euro Parking Services. They say this is due to the contravention of "not parked correctly within the markings of the bay or space". The reported incident happened outside a Tesco store for less…
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Money Moral Dilemma: Should our younger daughter pay towards using our older one's birthday present?
This week's MoneySaver who wants advice asks… Our eldest daughter, who's 12, got a zookeeper experience for her birthday. On the day it was booked, she became anxious and didn't want to do it. As we'd booked zoo tickets for the rest of us, we still went - and let our other daughter, who's 10, do the experience instead so…
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Euro Car Parks via DCB money claim
I'm looking for some help to dispute the claim I have received. It dates back to 2023, I was not the driver, it is a pay and display car park with ANPR checking the entry and exit. The PCN was for 'No Valid Pay And Display/permit Was Purchased' Potentially there was a miss type on the number plate, but I can not be sure.…
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ANPR Parking Charges – Can Horizon Rely on POFA When Notices Were Sent to a Non-Existent Address?
My vehicle was parked several times in the same ANPR-controlled private car park while displaying a Blue Badge. The driver mistakenly believed Blue Badge holders did not have to pay, but later discovered that payment was still required. I received none of the original Parking Charge Notices. My vehicle had been registered…
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Paying back child benefit and tax code
Hi, I'm so confused, and more so after an unhelpful call to HMRC. I've always earned below the threshold to pay back child benefit, but last year (tax year ended april 26) due to a one-off bonus my earnings were over £80k so I understand I'll have to pay it all back (claiming for 3 kids). This year my earnings will be back…
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2 Unfair Parking Charges, Any Advice Welcome. Xx
Hi all. Newbie here so I hope I’m doing this correctly 🙏. I have 2 parking charges I am disputing at the moment and I would be really grateful if anyone has any advice or suggestions. I feel so strongly that these charges are unfair that I haven’t paid either charge and now have the charges going up. First is from…
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Estate agent advice - selling leasehold flat in London
Hi all, I was just looking for some advice on selecting an estate agent to sell my leasehold flat in London (Beckton, postcode: E6). I was a first-time buyer when I purchased it in April 2020 so I've never sold a property before. Paid £275,000 for it. The lease has 102 years left. The service charge averages £1800 p/a and…
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value of transfer query
Hello all my first forum query !! I am looking to transfer to a fixed rate cash isa. my current cash isa provider will not let me partial transfer £20k. Can I transfer £40K in one transfer ? many thanks
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Yahoo email - non-current contacts
I have an email address on Yahoo, which annoyingly when I start a new email offers me a list of people some of whom are in my “contacts” list (that’s ok) but also people who were once contacts but now deleted, may have been on multi-addressee emails but not mainstream, some of them are people now several years dead. Is…
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POPLA appeal comment advice - already admitted I was the driver
Hi all, I truly wish I could have seen this forum earlier but unfornately I didn't. This was my first PCN ever. Long story short: I received a PCN, appealed stating I was the driver, appeal rejected, POPLA appeal submitted, operator evidence uploaded, now 7 days for me to comment. Timeline: May 19 I passed by store B’s car…
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Debt Advice
Sorry if I'm in the wrong place. I'm struggling to navigate the site. Hi everyone, I have autism and ADHD and have unfortunately got myself into a bit of a pickle with debt, mainly due to compulsive spending. This is something I will be getting therapy for over the coming months. At the moment, I have three loans and three…
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Figs
My fig tree (Brown Turkey, about 10 years old, growing in a large container) has had its best year so far with seven figs which ripened. It also has about three dozen little figlets which have developed since early summer but are still at the size in the photo. I know they won’t ripen now and need to be taken off. Is there…
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NatWest ISA Questions
Hi, I know the fixed 1 year has interest paid annually, but does it tell you on the app each month what the current value is, or do you literally see no interest until after 12 months? Do they accept transfers in of an existing ISA which is worth over £20k? Thanks
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Broken PC mouse (Razor). Still in warrantee. Who do i take it too officially?
The mouse was £120 I purchased the mouse form Currys in 2024 October 12th. It has a two year warranty (Currys webpage lists it too). I spoke to a person at currys who said that because it's over a year old I need to contact razor. I contacted razor who said because i purchased it from Currys I need to go back to them.…
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Do I need a solicitor? IHT payable
I recently lost a parent. I was all geared up to do all the probate paperwork myself (they had done it countless times, how hard could it be?), however everyone I mention this to looks at me funny and recommends a solicitor… I have already gathered all the financial details (car, house values etc) and notified all relevant…
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Finding a lost relative
Has anyone tried to trace a lost relative in the UK before? I googled how to find a relation that you had lost contact with many years ago in the UK and the website "missingpeople.org.uk" came up, which is a charity that offers a free finding service. Anyone heard of this organisation? Anyone got experience of finding…
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Worrying slowdown in the sales Heat Pumps in 2026
https://www.gov.uk/government/statistics/heat-pump-deployment-statistics-june-2026/heat-pump-deployment-statistics-june-2026-summary Any thoughts on what has caused the decline in adoption?
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Consumer Rights on Car Purchase
Hey all, I purchased a Nissan Juke (2019) on the 23/10/2024 from a second hand car trader. About a week ago my car started making funny noises and it turns out my cars gearbox needs replacing. This seems to be a common and expensive fault for these cars. It’s been just under two years since I bought the car, the warranty…
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Cheapest way for cash abroad?
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Closing business, how to enter on tax return
Background…I'm employed and work for a company, own a rental and alongside this myself and a friend setup a company several years ago which we were both setup as directors. Fast forward this company made a bit of money which went into the company account we never took a wage from it. We now have closed down the company in…
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Car park fine
Company is that Euro Car park one and they have issued a fine for staying in their car park for more than 2 hours. However, I was charging my electric car using the very slow chargers on there. Even after the 3 hours I was parked there, my car was no where near fully charged. This can't be right surely? Why have chargers…
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Book direct with hotel or book with booking,com
I booked to go to Blackpool in October but the place I booked didn't have the extra night I wanted so I've looked for places for one night and I have three places in mind but is it best to book direct or use booking.com. The first hotel if you book direct with them it says you need to pay a £20 deposit for damages and you…
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NtK UPCPS
Morning all, I've had a search for UKCPS and I've not found anything that makes me feel sure about the way to proceed. I've previously used advice on here for a Manchester Airport NtK so thank you for that, but UKCPS seem to use a different industry body in IPC and I'm not sure what I did last time will translate so well.…
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Using Clarity credit card abroad since change to Lloyds
I have a Halifax clarity card ( not changed to a Lloyds one yet), but the app on my phone has changed to Lloyds. Just back from France and paid for the hotel with the card, and a few contactless purchases with no problems. However when I tried to pay for some train tickets online, the website referred me back to the app…
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Selling a property to the tenant
One of my tenants has expressed an interest in buying the house she lives in. I was thinking of selling it in the next few years anyway, so I'm considering it. What would be a sensible and fair price discount to offer her in consideration of this deal saving me huge costs on estate agents, eviction, preparing house for…
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Triple lock increase for April 2027 is 3.9% (probably)
Following earnings data published today we know that subject to a possible minor adjustment in October (see below) the triple lock state pension increase for April 2027 is likely to be based on an average earnings increase figure of 3.9%. This would mean the headline new state pension figure would increase from the current…
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ISA rates def on the up. Comparison
West Brom FR ISA 5yr offering 5.25%. As a comparison I opened a 5yr with Nottingham a year ago 4.23%. If I'd invested £20,000 I would be missing out on £204 p.a.
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O/S Daily Tuesday 15 September 2026
Morning all.
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norton security
bought norton security a year ago from costco…cost £ 19….(sept 2 ) had to put card details* in to register-( why .I had already paid ).omitted to cancel renewal until a week before it ran out. only reallized because it showed up late on my credit card they took £ 89 %%%%%% out a month before my year ran out..they had me…
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Oxbury Savings when abroad
Just a warning that if you need access to your savings with Oxbury when abroad it may not be possible. I tried to access the app to transfer funds and got this
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Is it Worth Trying to Sell an Accidentally Bought Samsung S26 Ultra
I've accidentally bought 2 Samsung S26 Ultra phones from Amazon. The first order seemed to fail so I ordered again. My account has already been flagged by Amazon for apparent excess returns, so I want to avoid returning the extra phone. Is it worth trying to recuperate the cost by selling it, or should I risk Amazon's…
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Replacement Front Door - Planning Permission
I live in a flat and want to replace my front door which has direct entry into my flat, none of the other flats in the building use it. I’ve been told I need planning permission and it appears from reading the council website that the correct type is a full planning permission application. However, it is a very long and…
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dcbl - Notice of debt recovery from (Parking fine from Sept 2023!)
Hi All I dealt with these pigs before (see thread linked in spolier below) (Spoiler) So previously back in September 2003, I parked in an overflow carpark that is actually a retail car park, long story short, got a PF in the post, max 15 mins (wtaf???) Anyway, ignored there demand for payment and haven't heard a peep from…
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How to declare pension contrib to HMRC?
I intend to make a large, final contribution to a SIPP before reversing the cashflow direction and taking taxable income, triggering the Money-Purchase Annual Allowance in the same tax year. How do I notify HMRC of the single, large pension contribution, to ensure that my tax code for pension withdrawals will be correct?
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Let the 10 year overpayment begin.
My mortgage doesn't have a chart on the app, so I decided to ask ChatGPT to build me my own little one. I'm way more motivated by things I can see visually, and on my mortgage app it just shows the value of my mortgage. With this chart, I can visually see the decline as it occurs each month and that makes it easier for me…
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Campsites in Scotland off-season opening?
Hi, I'm thinking of getting a tent and have my eyes on a large one, the benefit of being this time of year is that it's on sale. However I don't know if campsite's close for part of the year? I've not camped since the 80's so I'm clueless. Are there campsites in Scotland that are year-round, or do they close for several…
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Frozen Final Salary Pension
Just received my annual statement for a frozen final salary pension. The projection has gone down by £600 per annum which came as a surprise as I didn't think this type of pension could go down. Any advice?
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Experience of transferring an old Defined Benefit pension to a current employers scheme
Good evening, Searching the forum, most of the entry's are at least 5 years old. Does anyone have recent experience and success on this type of transfer. I have set the wheels in motion to meet financial advisors for initial consultations and potential costs. I'm 53 and looking to retire at 57 if I can transfer the defined…
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Depop - anyone use it? Just joined and curious to know what others think.
As the title says - have just joined and would like to know what others think of it. I've found it a tad confusing so far but am hoping it will get easier with time. One thing that's particularly confusing is that I can't seem to use the app on my phone. It sends me an email link but when I click on it. it logs me in on…
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Covil service ill health pesnion review
Hello,.can anyone help. I was retire from the Civil Service in June 2021 on medical grounds. There is suppose to a 5 year review process built into it, but ive heard nothing yet. Although I obtained a copy of the review form in late 2021 which for where i live is completed by GP, I am concerned about going through it. Has…
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Longbridge Shopping Centre PCN Successfully Cancelled
I received a Debt Recovery Notice from DCBL for an unpaid 170.00 in Sept 2026. The charge related to a 2 min 30 second stay in a small layby nearby to the Sainsburys in May 2026. A static camera captured my car. The notice stated Horizon Parking Ltd had initially written to an unstated address to inform me of the charge…
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Broadband and voip phone
My contract with sky is coming to an end, it has been 27 per month for 150mbps and anytime landline. They cannot get anywhere near this to renew. Vodafone will do anytime phone and 150mbps broadband for 37 per month…… my question is this…. are they OK? Any horror stories? It really should be very simple as I already have…
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Tax on savings interest - higher rate tax payer
Hi I've been using regular savers the last couple of years (along with ISAs), but now I've crossed the tax threshold and I'm a higher tax rate payer I'm wondering if this is still the best approach. What I'm not sure about is if pension contributions can be used to reduce tax on savings interest in the same way as with…
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In a current DMP but should I change tactics?
Hi all, Have been trawling the forums for days trying to find the right answer or advice to my situation but can’t find anything specific amongst the brilliant info, so here goes…. I’ve been in a DMP for 2 years now with a total debt of £41k left to pay (originally £50k) - at the current rate it will take me another 9…
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Pension Drawdown
Hi apologies if this is covered elsewhere. My wife is 56 and has a small SIPP (~£100K). She would like to start taking a regular £800 per month from her SIPP but does not want a tax free lump sum. Is this possible to do and how does this work with a drawdown or is this option only available via a UFPLS? We got a bit…
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Advice on settlement
I am currently on a DMP with step . I currently have £9000 debt over 5 creditors. I have been on the DMP for around 4 years and probably another 15 years before its payed off . I’ve decided to get a personal loan to pay off my DMP however the max I could borrow ( as I considered the monthly payments) over 5 years is £5000…
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Interactive Investor Platform Fees
Hi all, if anyone is using Ineractive Investor I have a question about the merits of choosing one plan over another. I opened a SIPP earlier in the year and by default it created a 'Core' Account (I wasn't offered the choice at the time of opening).There is also the Premium account at £39.99 per month, but disregarding…
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My rights to property, cash etc
Posting on behalf of a friend (my OH's friend/s) who needs urgent legal/financial guidance before confronting her husband. The Situation: Marriage: Married 10 (this year) years, 3 young children. Family lives abroad. Finances: She has rarely worked (1 year part-time total) to raise the kids. She has no income and only a…
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Ticket for stopping outside the car park gates while the car park was closed.
Hi, I am dealing with this for my son. He recently got a ticket for pulling into a car park entrance and stopping. The car park was closed and had been for a few hours. He was stationary for just over 3 minutes while deciding where else he could try to park nearby. The ticket says parking on double yellow lines ( they are…
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Weekly Newsletter
Hi, I no longer receive Martin's weekly newsletter. Don't know why and how to resolve the issue. Please advise.
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Wills kept at the solicitors
My FIL has recently moved from North to South UK and his will is kept with his solicitors up north. Should we look into getting this and keeping it or is it fine to leave it with the solicitors up there? Does the location of the will matter? We don't want to have to travel up north in the event that he passes away, but do…
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Can I use different solicitors to do Deed of Variation for will?
I am looking at doing a Deed of Variation for an inheritance coming to me. Do I have to use the solicitors that are Executors of the will please or can I use my own choice of solicitors?
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Can it be fixed? expandable hose
I have one of these expandable hoses and the end connector came off of one end. Any idea how I can get the inner tube to the end of the cover to reconnect it?
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Help!! Shared Ownership Nightmare
Hello, I do hope that someone can help me, as I am at my wits end. In August 2023 my mum died from a short battle with lung cancer. She owned 25% share of a property. The other 75% is owned by the Guinness Partnership. This involved my mum and her late husband paying a rent to the Guinness Partnership monthly. We as a…
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Adding solar to PW3
Signed up to have a PW3 installed shortly in double garage. Really good deal with local installer. Currently no solar but want small solar array on the south side of garage roof at some point as house roof is annoyingly badly laid out. One side of garage roof could fit maybe 4-6 panels I thought. PW3 installer wants circa…
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Responding to court docs - hopefully an interesting case for you all
Hi all, I've read the NEWBIES thread and have filed an Acknowledgment of Service, defending the whole claim. I'd be grateful for any guidance before I submit my defence - I couldn't find any previous threads with the same circumstances as me. Background The claim is from ParkingEye t/a Car Parking Partnership, represented…
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PCN FOR NOT DISPLAYING PERMIT IN OWN ALLOCATED BAY
PCN/Invoice was issued whilst vehicle was parked in the allocated bay for their household, This is directly outside the RK's house. Resident permit was in the vehicle, but not on display in the windscreen. Signage on opposite side of street gives T&Cs for parking, which includes displaying valid resident's permit in the…
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Maintenance loan
Is it worth getting a maintenance loan you don't need to invest it?
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Savings on Placement Year
What is the best way to maximise salary you earn during a placement year. The money cant be locked away because it will be needed the year after when you rejoin university.
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Car lease extension
My current PCH with Mobilize comes to an end in Jan 2027. I’m looking at applying for a mortgage around April /May 2027. I spoke to the leasing company today and asked about the possibility of extending beyond Jan 2027, I was told it was too early for them to consider it now and to call back in November. They also said…
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Would paying off my entire mortgage result in me no longer being able to claim Council-Tax Benefit??
I own a property worth approx 220k, which I bought earlier this year. I put down quite a large deposit (135k) / And so my mortgage is only 55k. (*I locked in a 2-year fixed rate of 3.75% vs 4.5% interest income from my savings account | Thus it made financial sense at the time to put 55k in savings rather than the…
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Tower Pressure Cooker - help needed!
Hello all, Hopefully someone has experience of using a Tower 6L pressure cooker who can give me a few tips. The instruction booklet is pretty unhelpful. I should say, I have been using a pressure cooker for quite a few years and bought this one to replace my trusty Prestige 6L which had come to the end of its life. Their…
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Help logging into MSE energy club
Hi I can’t seem to be able to log into the MSE website and the Energy Club website. When I try to log in, it says that my password needs to be reset and says it has sent a email to my email address with a validation code. I never receive a email. I have checked my email address and it is correct and nothing is in the junk…
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Court procedungs from DCB Legal
Hello, looking for some advice on my defence. I recently recieved correct for a parking ticket from 2024, having recieved no prior notice and not recalling ever having a fine I emailed DCB then after not recieving a response they filed a court claim. I called them and was told my only option is to defend. I''ve read the…
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REDUCTION OF CAPITAL AT THE BEHEST OF CHARTER BANK.
I'm quite perplexed. I had a 120 day notice account with the above bank. Notice was given to close the account. Upon maturity, the final interest payment was made at the usual date for a similar amount. The capital sum however, was reduced. Do banks have the authority to do this? I queried the bank's reasoning and received…
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SIPP above old LTA
Say that I have SIPP above the old LTA (Life Time Allowance). Also say that I crystallise enough to receive the maximum tax free cash - I believe that it’s called the LSA (Lump Sum Allowance = 25% of old LTA). The crystallised amount less the LSA is put into a drawdown pot by my SIPP provider (AJ Bell), for later…
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Broadband Advice for first flat
Hi there First of all, any advice is greatly appreciated - thank you! My partner and I are moving into our first rented home. We are looking at broadband packages. Ideally we would be on a monthly rolling contract but these packages are much more expensive… Does anyone have any advice? I am worried about taking a 12-24mnth…
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Sainsbury Energy and Nectar Points - closed account
We were with Sainsburys Energy for our duel fuel energy for about 3 years at our old house which we moved out of in 2024. As we had a nectar account, we got extra points based on how much our energy bill was. Nothing life changing obviously. The new house was already with BG and when we checked they were the cheapest…
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Is there a dashcam/tracker I can fit myself?
Hi all Bit of a story here but I am looking for a decent dashcam/tracker combined unit. Basically? Our company has a driver who of late has been taking the mickey. I won’t go into detail but it is fair to say that he goes missing for a few hours most days and leaves the deliveries to the other driver. We need the evidence…
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Sainsbury's
I was wondering if anyone has inside information on dates for 20% off clothing and 25% off wine and champagne. Thank you
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No response: No contract
Fed up with no replies to my queries. (yes I made the mistake of appealing, as a genuine customer at clinic car park, I thought that evidence would be enough) So after several non replies I sent an e-mail clearly stating that a failure to respond within a reasonable time period would in effect cancel any deemed contract…
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Lost in court
I lost in county court today v Parking Eye. Seething! The judge accepted my arguments that the entrance sign was facing the wrong way, the key sign that would have brought the terms to my attention was missing (it was on the site plan), therefore I could not see a sign when I parked. The claimants assertion that I walked…