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Bannatyne Gym - Membership overcharged
Hello! I mentioned in passing to my partner that my gym membership had gone up again and how high it was. It's gone up 4 times since 2022. He checked his monthly fee for the same gym and it was considerably less than mine. When I looked into it, I had been paying more than his current charge for the last three years. I…
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Can a faulty meter correct itself?
I changed my supplier They took the 1st reading from the smart meter and 1 four months later. It then stopped sending readings I submitted a reading 12 months later and the usage had been in line with my historical usage. 7 weeks later I tried to submit a reading which it refused to accept. I later found it showed usage of…
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Smart Parking refused landowner's request - court papers received three years later
I was a regular volunteer musician at an event held in a church. This event was usually on a Sunday, but there was a Spring Fayre on a Saturday in March 2022 and I played, without receiving payment. Unbeknownst to me, and other volunteers, the church had engaged with Smart Parking to issue tickets from Monday to Saturday…
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Informing HMRC of retiring and tax code?
I am retiring at the end of December and I am currently a 40% tax payer with my employment and I will remain a 40% tax payer of course for the rest of this tax year when my employment ceases in December. I am also currently in receipt of a small pension from my late wife and I have a D0 code against it, i.e. it is fully…
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Carmageddon indeed
https://www.bbc.co.uk/news/articles/ce8gze444gdo
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Garden, but no garden.
As a cash buying, no chain buyer, I have been attempting to purchase a particular vacant property since the beginning of July 2025. I understand the sellerto be a housing association. Whilst an unusual property, in that it has been altered, it was advertised with a rear garden (albeit currently a paved slab area). At the…
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NHS / HMRC mileage quandary.
HI all, I’m hoping someone might be able to help me work out my mileage
/ pay implications if I take a new job (working in the community as a nurse for the NHS). I am already a community nurse and currently work in a job where I
commute to an office base, where I pick up a pool car and then go out on my
visits using that.…
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Travel Health insurance
I am considering a holiday which would include a flight transfer in Los Angeles. Would our medical travel insurance require US cover? We would not be planning to leave the airport.
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CCA by email / login
Hi all, Long time since I posted on here but
regularly check the forums to see all the positive advice being given. My DMP started in April 2018 and has
been trundling along since then. All my defaults have now been
removed from my credit ratings. A large chunk of my debt has been paid off but
still a fair way to go with…
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Car Finance claim
A bit of a issue with my claim. Both the dealership and the finance company have ceased to trade and a company that holds my data has told me that although they have my details from my previous car finance, which has been paid off, they can't help me. The previous company was bought and the details of the clients passed…
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Euro Parking Collection collecting a fine from Hungary
Went through Hungary this summer. We just transited the country at 5am. A month later we get a fine in the post. We have not paid the toll for the road they say. We had paid it but they changed a 1 to an i in the reg number. I sent them the answer. They send me a second fine and this time "well you paid 1hr after entering…
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Pre legal notice from ZZPS
August last year I received a PCN from Smart Parking and a couple of weeks ago I have now received a letter of pre legal notice saying if I don't pay the fine my case will be handed to a litigator who will proceed with legal action? Can anyone please advise me on what I should do? I have seen a lot of people saying to go…
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Free Trial Mens Moisturiser Shake Up
Free moisturiser, just pay for shipping https://www.shakeupcosmetics.com/pages/trial-offers
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Recommendations for alternative bank - HSBC requiring phone app
Hi there HSBC are ceasing use of their physical secure keys - and now require mobile app use. I had my accounts hacked when my phone was stolen last year - so have zero trust in the security of the phone apps. I'm therefore looking to switch banks. I'm looking for both personal and business services - and ones that don't…
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Employer pension contributions delay
I get paid on 28th of each month. 10% gets deducted for my pension contribution However - this does not get added to my pension until 17th of the following month So it looks like for years someone, either my employer, or the pension provider has been holding on to my pension money for an extra 3 weeks - during which time…
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Security problems on some ii screens?
I'm getting security errors (the Your connection isn't privateAttackers might be trying to steal your information from secure.ii.co.uk (for example, passwords, messages, or credit cards).net::ERR_CERT_AUTHORITY_INVALID screen) on certain ii screens, when I'm logged in to the site. It seems to be screens that start…
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Manchester Airport Dropoff
Hi really not sure what has happened here, I've just received a PCN from APCOA for a drop off I did on the 11th of October. Thing is, I paid this charge on the 11th and have a banking record to prove it. I've appealed it as the keeper and noted that the charge was paid on the 11th. I have not specified who was driving at…
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Morrisons Freezers broken
Our local Morrisons has a problem with it's freezers - they are ALL down - so NO frozen food available....No idea what could cause a problem with ALL freezers - I guess supply related - but it's extremely annoying !On top of this - a lack of cooked meat - unless you want HAM - There's no alternative.
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DCBL Legal claim
Hi all, after following all of the information on the Newbie thread over the last few months which offers amazing advice also I’d like to thank those who provide all of this info. My partner has been receiving debt recovery letters for months which have all been ignored and last week she received a claim form. I completed…
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Confused.com blocking my rewards.
I have had to renew four insurance policies in the space of a month (two home and two car ) for myself and mother-in-law. all through confused.com and I duly claimed rewards. I received one and now have been blocked from receiving any and any access to existing ones that I have ( the Greggs free drinks ). Confused say…
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Conditional job offer, notice, reference and sick leave
I've been working form a company for years. Since working there I've developed health conditions which are now considered disabilities as have been going on for some time. My manager has always been awful, to the point they have been reported to senior management by several staff and some have left because of it. One…
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Old Charging order and bankruptcy
My husband went bankrupt in 2007 but has 2 charging orders that were put on prior to the bankruptcy. The house was jointly owned (mortgaged) and the debts were solely in his name. We are now looking to sell the house these orders were put on. We have tried to negotiate a lower payment on one (HSBC) and they would only…
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Is there an app for daily tasks?
I'm looking for a (free) app that might be useful to me to list daily and weekly tasks. Some for self care and others for housework etc. I really need to get myself motivated and this just might help!
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Just want some advice on my next steps to be debt free
I’ve been looking on here and Beat the Bailiffs and just want some advice on what to do in regards to my debts. * Novuna Consumer Finance (Hitachi) – £8,765.84 Old £8,000 personal loan. I made a complaint because they refused to default the account after missed payments; it was upheld and the default has now been…
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Knocking years off the mortgage…that’s the goal!
Good morning! So thought it was time I started a diary so I can keep track of progress we have made. Bought our home in 2019 with a £240000 mortgage. Consistently overpaid £100 a month for the last 4 years and now starting to tackle the mortgage seriously, we are able to overpay around £600 a month so we are clearing 2…
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31.25% April 2026 Price Increase from O2
Hi all, got an email last week from O2 about their annual price rise, which am sure many of you also had. Great wording (not) "From April 2026, your airtime plan will now be increasing by £2.50 instead of £1.80." Main point of this isn't about the £2.50 increase, it's the % it represents of 31.25%! Unsure of the fixed…
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Chargeback and return of faulty goods
We purchased a relatively low-value item in July (a kitchen tap). When our plumber tried to install it, he advised one of the parts was faulty and we'd need to request a new part from the provider. We contacted them, repeatedly, for the next month without response. I contacted our credit card provider in the end as we had…
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Parking Charge and Debt Recovery Letters
I recently booked an apartment on Booking.com down Reading, it advertised that it had parking when booking and when I arrived I parked in the spaces with the apartment company name plaque on the wall. When checking in, no one asked me regarding parking etc... I have come home from holiday to letters from Debt Recovery Plus…
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Arm lift ADVICE
Note - I am not seeking any form of medical advice here. Recently I have been considering having an arm lift following weight loss. If anyone can offer advice about (for instance) pros and cons and their own experiences I'd be grateful. Thanks.
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Old Style Daily Tuesday 28 October 2025
Morning all. Hotel breakfast coming up. 😁
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Parking Charge Notice
Hi all, I have received the following PCN for overstaying by 15 minutes in a local car park, I have read the newbie thread but finding most of the information daunting and confusing. The window has passed for the reduced fine and not I’m getting stressed as I don’t think 15 minutes warrants a £100 fine that I will struggle…
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PRR on sale of freehold company shares
My son owns a share of freehold flat in a building with 4 other flats. We’ve been approached by a company who wish to acquire all 5 flats simultaneously and revert the building to a single dwelling. They propose to transact this by each vendor extinguishing their lease and then selling their shares in the freehold…
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Royal Holloway PCN Legit?
Hi, I received a PCN from RHUL a few days ago as I parked on their site for a few hours in the night. Their main body used for parking is FirstParking, are these guys legit and do they actually get on case about unpaid PCN's? Any help would be appreciated thanks.
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Parked car hit by DHL lorry - whats next?
After delivering to a Morrisons corner-shop, a DHL lorry has reversed into an unoccupied parked car scraping and denting the front and back passenger wheel arch breaking the front passenger door and entirely smashing the back windscreen... because the driver was leaning over to open the passenger door to let his mate in -…
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Incorrect Tyres Fitted - Higher Load and XL
Hi Team MSE, I had ordered two car tyres online from HiQ Tyres and Autocare to match the same on the front axle, and recieved confirmation via email confirming my selection (product and tyre size). On the the day of fitting, once the tyres had been fitted and payment taken, I went to inspect the tyres whilst the car was…
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Tax on savings
We are about to sell our house put the funds of 485k into my wife’s bank account which is Ulster Bank and 4.5% interest; think we will put 20k each into an isa too; but, my question is, we will earn around £1830/month in interest. My wife is shortly going to start working as a PAYE earning around £1250/month, so how will…
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Forgotten Passnumber & PIN number with Nationwide account.
What is the best way of restoring my account? Senior moment!
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Eastern Airlines “on brink of collapse”
Flights cancelled. https://www.bbc.co.uk/news/articles/cd04vyg4x19o
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Sainsbury spending points in store - changes now swipe card?
I’m not sure if I’m understanding the update that flashed up on my nectar app (and then closed and I can’t find it again). It seems to spend nectar points in store ie for money off shopping you will now have to physically swipe your nectar card down the side of the till. Whereas to get points you just scan a qr code! The…
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Lump sum from will
I will be getting £300,000 from a will of a relative, I don't want to invest it or play risky games with it I just want to get maximum interest on it for the time being until I decide what to do with it. What are my options ?