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Excel Parking - 13 minute overstay charge St Marks Lincoln
A little help here please. 2 hours parking was paid and displayed in advance and a NTK charge was sent for what I assume is an inaccurate accused overstay of 13 mins. I know that by law there needs to be a leeway of 10 mins, which I think is more accurate than the 13 mins accused. The parking is a strange one. You enter a…
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April wins with 500 comps entered
April 3 months free Spotify subscription 6 chicken nuggets McDonald's Sweet treat m&S Health shot M&S £100 cash Omnivore cookbook Free cheeseburger or chicken burger mcdonalds £9.25 - yourschoollottery Medium milkshake - mcdonalds Tote bag - Estrella instant win Not bad considering I only entered 500. I'm going to up my…
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North Greenwich blue badge car park
Hi all, I’ve read the NEWBIES thread and would really appreciate some advice on my situation. PCN details: Issued by Saba Park Services UK Limited Location: North Greenwich (near The O2) Date of issue: 29/10/2025 Reason: “Failing to fully display a valid Blue Badge in a Blue Badge reserved area” This was a windscreen…
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Ocean Parking Whitefield Metrolink
Just contributing to the threads on here regarding Ocean Parking and Metrolink car parks, particularly people caught out by the No Overnight Parking rule. I'm helping an acquaintance who received a PCN Feb 2025 as the car had been left in the free car park at Whitefield due to the driver missing the last tram home. After…
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Forced return of an item sold as faulty?
I sold an item, clearly listed as spares/repair/parts only. Condition was llistedas 'for parts or not working' Item description clearly said not working, and also said that the motor had burnt out and was beyond repair so the rest of it may be useful for parts. The buyer (10 days after delivery) has opened a 'not as…
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Should I take out a student loan or not?
Hello, I have about £40,000 saved & Im about to start a 4 year university degree. My tuition fees cost in total for the 4 years around £28,000. I estimate my living costs per year will be around £12,000 per year so £48,000 total I am eligible for a student loan and can access a full tuition fee and full independent student…
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Can you suggest a good fixed electric panel radiator?
Our son-in-law rents out a 2 bedroom flat in Scotland. Since he first started doing this, 12 years back, requirements have changed and he now needs to fit fixed heaters in the 2 bedrooms. There is no gas in the building, hall and lounge have nightstore type heaters, he never found the bedrooms cold so had no need for any…
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Hot water bottle alternatives
I need a hot water bottle for health problems but they leak sooner or later and are a pain - what alternatives can people suggest?
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Construction Industry Scheme questions - insurance.
My son is 18 and has started working on site under the CIS scheme. He is sorted for with the Inland Revenue with his self assessment number and he’s registered with the CIS scheme. He is paid an hourly rate and the contractor he works for is deducting 20%. All ok so far, I think. We will keep all receipts for tools and…
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Holding back on booking flights because of jet fuel shortages?
How much is this affecting your holiday decisions? I already have 1 trip in May which I booked before the current events started. I had other plans for June to September but I am reluctant to risk flights at the moment. I am considering Eurostar or UK trips.
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Regarding Credit Card Utilisation
Hello Everyone, Is it really necessary to keep credit card utilisation below a certain percentage of the overall limit even if the credit is paid in full every month? Thank you
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Naive thinking HMRC will reply in writing?
Hello, I posted a letter to HMRC (BX9 1AS) over a week ago and paid for tracking. It's still saying it hasn't been delivered. If it ever does get delivered am I naive thinking they will reply in writing because I've written to them or is that not the case?
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Landscaping quote
From this To this And from this To this The back is about 10m x 10m slabs, decking retaining wall, do lots of work. Quote of £28k for both?
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N1SDT Court Claim from ParkingEye - Incorrect Address on MCOL
Hi all, I am aware that we shouldn't fill up the forum with cases, but I thought I'd make a post as I have searched the forum and can't find anything specific to my case and need to know ASAP what move to make. I received a ticket from ParkingEye a year or so ago for parking in a local carpark after hours. I was in the…
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Inheritance from abroad - what to do?
Hi Everyone, I’m about to receive an inheritance (over 7 figures) in Euros. I’m resident in the UK for tax purposes but I’m not a British national. I’m wondering if it makes sense to park this money in Europe rather than exchange it all at once? Do you think it’s worth looking for a wealth manger to help? I’m ok with…
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Virgin Money Cash ISA internal transfer (sort code 82-xx-xx)
I have two flex cash ISAs with sort codes beginning 82 (i.e. visible along with the current account). I applied to transfer part of one of the accounts to the other account in preparation for a transfer by filling out the details on:…
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Mcdonalds Food for thoughts
Does anyone have a 12 digit code from their receipt that they don't need please ? Would be very grateful - I stupidly threw mine away after visit yesterday
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You may be paying tax on savings interest when you should not be.
Just got off the phone from HMRC again about why I have been paying tax on a second pension when I am under the tax limit £12570 for 2 pensions so should get the full starter rate limit £5000 plus the £1000 on savings interest. Last tax year I had tax taken out because I was over the basic £1000 savings interest limit…
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Top slice onshore bond advice
Hi I would be grateful if anyone could give advice about top slice deductions on chargeable gains. My elderly mother has 2 onshore bonds that I have just came across the paperwork for. Unfortunately the financial advisor who set these up has retired long ago and I have no experience of anything like this. The main bond is…
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Double Probate needed?
Person A died, naming persons B and C as executors in their will. Person C reserved powers because of ill health, and Person B was the active executor with the Grant of Probate. For various reasons Person A’s property was not sold after death and Person C has continued to live in it. It is in shared ownership and the…
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DCB legal fine.
Hi all, thanks in advance for any help. I recently recieved a letter of claim for £170 parking in 2021. This was the first i had heard of it. The car was registered to the same address from 2020 to 2025. It was a standard letter of claim that has been posted om these forums before. I sent them the below. (Minus identifying…
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Saga won't transfer mum's policy into executors' names :(
Need to get new insurance for her flat until we can sell it. We have probate. Getting new quotes - any recommended firms? And is there anything we need to specify other than that its a contents policy for an unattended property?
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HSBC / William Hill Fraud
I really need a bit of help and advice. When it was the Grand National a few weeks ago I put a bet on via William Hill Online. The last time I used William Hill online was the previous Grand National . I deposited £5 using my HSBC Debit card which is stored by William Hill, and won a total of 70p !. Then on Sunday night…
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smart meters
Is there any way to trace my smart meter history. I had a smart meter installed before the pandemic. After a few years I was getting constant emails asking me for a meter reading. That shouldn't have been necessary. In October, last year an engineer spent all day replacing everything and I was given another, exactly the…
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Council charges for care regardless if care is provided or not
My father, who has dementia lives in an Anchor assisted living home with my mother in their contained flat. They receive minor support from an on site care provider, CERA which we pay for directly to CERA, but do not receive any direct support from our local council, South Tyneside. As he is viewed as 'eligible' for care…
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NS&I index linked certificates
My 5 yearers are up soon. At first we had RPI, now a lower CPI. At first we had plus 0.5%, now we have plus 0.01%. You used to be able to cash in, and the best time to do so was on an anniversary, but you could at anytime if wishing to get at the money. Now the next rollover is fixed with no withdrawals for the term. Are…
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DCB Legal court claim – residential permit holder / authorised carer
Hi all, I’d be grateful for some guidance please as my case has now reached the county court claim stage and I want to be sure my defence is sound. This is a residential permit parking case. I was parked near Address X, where my elderly father lived (he passed away a couple of months after this fiasco started), and I was…
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Which small chest freezer
We are looking for a small chest freezer (it must be around 55cmW * 50cmL) Fridgemaster MCF96E 95L - £110 Beko CF4098W - £179F Any others to consider ? What should we be looking for - fast freeze, frost free ?, baskets, etc etc They all appear to be 4 star freezing ?
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A big thanks to MSE
Just joined the forum to post this thread. A big thank you to Martin and the team. In the last hour I have filled in and sent three car finance complaint emails and switched gas and electricity to a fixed rate package that is cheaper than my current (sorry!) package.
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Do lease holders need to be a 'company?'
Hi, 10 years ago 3 flat owners bought the freehold of a block of 9 flats. We had to form a company with Companies House in order to do so….we are having a nightmare with trying to change a wrongly registered DOB - been trying since last December Keep being threatened by Companies House because we haven't/can't file the…
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Certified copy of will
Before sending off the original will to probate office, is it advisable to get some certified copies of the will just in case?
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Consumer Rights Act 2015 - Used First Car, can I claim?
Hi all, TL:DR: I recently bought my first car (a 2014 Peugeot 208 1.2l petrol) which had 127,000 miles for £1,495, a few issues with it and now I want to reject the purchase, need to know if its a viable option. When I drove home with it (18/04/2026), I was sitting in the car letting it idle while I configure the settings…
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Paying pension contributions with savings
There's been some talk about paying into pensions vs paying off a mortgage. While this is useful, these were from 2021. The economic situation has changed - my question is similar and different. Self-employed, currently out of work in my late 50s. Is it better to keep paying into my pension with savings? I've taken a…
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Lions Prizes, Good Life Plus and Good Fanz comps
Hi all, We've been made aware that entering competitions or claiming prizes being offered by Lions Prizes, Good Life Plus and Good Fanz can require people to sign up for a free trial with them. Given our stance on online competitions that require payment to enter (and to avoid users being charged for trials they might…
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Going from monthly to weekly pay
Hi All. New to all of this. I have been offered a new job which annually is more than what I am on now. The only thing that is slightly off putting for me is that its going to change from monthly pay to weekly pay. I have used the Gov website to work out my net pay weekly on the new salary but when I'am calculating that…
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universal credit changes for son turning 19
Hi I really need some advice as it is starting to affect my mental health. I have tried CAB left multiple messages on my journal and been ignored by UC. my son who suffers from sever mental health issues and ASD ( i receive PIP for him) turns 19 in August. I know i loose what payments i get for him from UC however he is…
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Empty House Premium for new Owner
My daughter completed on an empty flat in Oct 25 and decided not to move in until she had decorated. She completed the Council Tax form to say she had taken over the property and ticked the Empty Property box. It now transpires that there is a difference between Empty and not moved in properly! She was then sent a bill…
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Trust for children managed by bank
My mother-in-law has put some money into a trust for her grandchildren (including my children). This has been done to help them out with future university costs, and done in this way to reduce liability for inheritance tax. So far, so good, but she has done this without talking to my wife or sister-in-law and has been…
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Stamp duty when staircasing to 100%
Hi. I have what is probably a simple question but whenever I search the government website or elsewhere, I find conflicting or needlessly over complicated info. I simply cannot figure this out based on the information and examples that the government provide. I own 50% of a one bed flat that I bought as a first time buyer.…
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Token payments to DPC's pro's and con's
Hi all. A few of you may be aware of my situation as follows: Cabot - Fluid 2681.2 Cabot - Marbles 5737.45 Cabot - Halifax 6050.42 Lowell - Lloyds Bank 16012.2 Lowell - Capital One 7804.2 Lowell - Virgin Money 7448.09 Lowell - Lloyds Group 4723.96 Lowell - Lloyds Group 533.58 Lowell - Lloyds Group 530.62 Link - BoS 3635.38…