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New - Notice to Keeper - BaySentry Solutions
Hi All I have used this forum before and actually won a case against Excel in court so i'm not necessarily a newbie and here I am again. Before I provide any details in to this latest challenge I am looking for some informatio regarding the provision of a notice to keeper. Under Schedule 4, paragraph 9 of the Protection of…
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Buying House Freehold Clause
Good evening, I have a leasehold house (900+ years left on the leasehold). I was offered the opportunity to purchase the freehold. I agreed with the costs and started proceedings. In the terms there is a clause relating to mining and mineral rights, which I don't think is unusual. However as follows: "Unto the person or…
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Holiday insurance help
I would appreciate if you please advise on the below. We currently have European Annual Travel Insurance. If we book flights for after the policy expiry date are we covered if for health issues etc reasons we had to cancel the current policy expires? If we are, would be covered if these flights are to the USA (Worldwide)?…
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Council Tax - Comparable Properties Query
We live in a two-bedroom bungalow, on a development built around 1980 on a hill off a main road. We live at the bottom of the hill and the bungalows from ours down to the main road are all Band E, be they 2 bedroom bungalows or 3 bedroom chalet bungalows. They all have internal garages but understandably the floor area of…
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Car Lease - Alphabet
Hi, looking for some advice. My car lease with Alphabet recently ended and k returned the car. Someone came to collect it and to check for chargeable damage. I’ve not had an invoice from Alphabet to confirm the damage - there was a scratch so happy to pay for it. However they are claiming there is a missing service book…
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Car repair gone wrong
Hello. I bought a car from a small car dealership in January of this year. In April, I started getting a rattling noise which went away when the clutch was depressed. I contacted the dealership who took my car to the garage they use to take a look with a suspected DMF/clutch failure. They bought the parts in readiness but…
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Civil Service Pensions - Capita staff comments
There's a report in Computer Weekly on internal staff comments about management platitudes - not good news but reflects internal tensions:- https://www.computerweekly.com/news/366648014/Capita-CEO-receives-scathing-rebuttal-from-employee-over-botched-contract
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In a position to save, what’s best
currently, I have zero savings. From next month I will be in a position to start saving between £500-£700 per month. As a total newbie to saving, what would you say is my best option? Where shall I save it? Looking forward good interest. I’m completely new to this so apologies if this sounds silly.
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LGPS annual statement whilst receiving my pension
Should I still recieve an annual statement that shows the CPI annual increase to my pension and the latest survivor pension amount? I asked my LGPS scheme today and they said they do not provide that information each year.
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MSE News: Got Starbucks reward 'stars'? Use them before 3 September
You'll need 20 more loyalty points ('stars') to claim the cheapest coffee and tea 'freebies' from Starbucks' loyalty scheme from Thursday 3 September. For higher value freebies, you'll need 150 more points. The changes mean you'll need to spend more to earn the same rewards in future. If you have a stash of 'stars',…
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When does subsiding a family member become a gift for IHT purposes
Obviously it depends on circumstances, but what about a situation where a family member has no assets and needs care, but the social services are reluctant to fund the care adequately ( not an uncommon situation I guess) . So if a close but better off family member helps out by paying a care agency directly for example,…
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Persimmon Advertising price change after reservation
Hello… Im new here. I reserved a new build with persimmon under section 106 (DOMV) about 4 months ago. I have not exchanged contracts yet. Today they released more houses on their website for a reduced price from what i have reserved at. They 40K cheaper than my reserved house, the exact same house style just one street…
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MSE Guide: Lending Money to Family and Friends
This is the place to discuss the new Lending Money to Family and Friends guide. We'd love to hear your thoughts, personal experiences, and general feedback. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
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Oxford City Centre PCN
Just wanted to post this in case anyone else gets one. They can be beaten. Visited Oxford city centre, that was my first mistake. They have a "temporary" scheme where you have to pay to use some roads, £5/day. That evening I tried to pay, but their website was broken. There was a note on there saying "if you get an error,…
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Noise since neighbour installed new staircase
I live in a Victorian terrace, about 8 months ago a lot of work went on at the empty house next door. After it finished a month later and the place was occupied by the new owner who'd arranged for the work I started hearing pitter patter whenever anyone went up or down stairs. I never heard this when the house was occupied…
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Best Second Savings Account after hitting annual LISA limit?
So I currently have a LISA that I've been using to max out the bonus cap. Very happy with it. I recently finished paying off some quite significant debts and am fortunate to be in a well-enough paid job that I can now afford to plough a fair bit more than 4k a year into saving for my first mortgage. Once I've hit the…
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Stansted airport EV Hub fine
Good afternoon, A fine has been received for 'overstay on free parking' at the stansted airport EV hub (which also houses caffe nero and burger king). A couple of points: - the evidence shows that the vehicle entered and exited within 50 minutes - free parking is 1 hour. - the signage is at the point of entry (attached)…
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Solar PV 2 engineers gave conflicting diagnosis (SMA sunny boy)
I have an 8-panel solar PV system installed in 2012 with an SMA Sunny Boy inverter. The system has apparently not generated since around 2018. Engineer 1: Inspected the system around the inverter/loft area. Measured approximately 2.4V on the PV strings. Said the inverter was probably not the fault. Suspected a fault…
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Resident's Association bank account
Hi Everyone I am the treasurer of a small park home resident's association. We have been operating for nearly three years and our annual income is in the range of £100 to £150; expenditure is minimal. The committee have decided that we need to open a bank account. I have done some research, including following up on…
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A new type of scam
Not sure if folks here have seen this before, but I just got an SMS, iMessage to be precise from ParkingEye letting me know that they are they are more interested in ensuring I make the right payment rather them tacking on additional fees 🤣. Pasting the message as received. I am redacting the payment link in case someone…
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Jacamo / JD williams overcharging (CHECK NOW!)
Hi, I wanted to ask if everyone with a JD williams or jacamo pay account to check their statements. I recently found them to be overcharging me on my jacamo account after firstly dismissing me at first and we're very blunt that they would fix it and refund the discrepancy but then I checked my JD williams account and found…
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Are speech/phone lines being phased out or not ?
This is a very important question - my internet contract is due for renewal in 3 months and what ISP I pick depends very much on this question….. But I thought that it was just the copper that was not being replaced and existing lines would remain for several years ? Some people need analogue lines for medical devices -…
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Missing threads
I've only just noticed my threads that I posted before August 2012 are missing! (I joined in 2010) Did I miss news about this?
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Anyone fancy a job?
https://www.forcesfamiliesjobs.co.uk/jobs/television-licence-field-officer-nottingham-nottinghamshire-england/2827195-1/
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Money, residential care costs and LPAs
So my parents were always very generous with their money towards their four children, of whom I am the eldest (especially my sister who's financial position has not been as comfortable as the rest of us e.g. they would buy and pay for the upkeep of her car, regularly help out with larger bills etc). For me, I have…
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Divorced last year, remarrying this year
Hi, I was married some years ago in a civil ceremony in the UK. Moved to husbands land of birth, but was told because HE was Catholic and I wasn't, the civil marriage wasn't recognised there, he WASN'T married but I was, and we'd need to marry again, in a Catholic church. We did so, so two marriages, same person within 2…
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Making an Offer - Advice Sought
Hello all! Hope you can help. First time buyer here. I've found a place that I can afford and would suit me well. I'd like to make an offer on it and wanted some advice before I do. What value would be a reasonable offer to make? https://www.rightmove.co.uk/properties/167840468 I should say that it wouldn't be the end of…
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Charging over night
Here is a "helpful hint" from my Covea home insurance policy: Do not leave phones or other personal electrical devices charging overnight, and ensure that charging cables are purchased via manufacturer-approved stockists." Presumably, having professionally fitted electric vehicle charging stations is even more risky. Does…
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Change of M&S Unit Trust Management 26th Sept
Does anyone know much about this? I've never heard of the company taking over. I'm wondering if I can get someone else to manage my modest investment and if so if I will have to sell and re-buy with all the possible added fees.
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Which bank do you use for your main account?
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'Charge' on property, but likely no sum owed. Chargee not discharging DS1, tho'.
Hi. Situation is that an estate's executor is trying to sell the house that is part of the estate. The deeds show a charge was added to the estate a few years ago for the benefit of a relative who had agreed to lend money to the homeowner for them to invest. The 'charge' was written up and exists, but no actual sum is…
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AI doing its own thing with online payments?
Autonomous action by AI has already spread online payments, as well as AI developers. A cautionary tale. Last night I tried to buy some unexciting car parts online from a well known (ie. legitimate) Audi supplier. I did so using a link supplied by them with a pre completed on line invoice. I tried to pay with Barclaycard:…
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MSE Forum Poll: How often do you review your Direct Debits and standing orders?
Out-of-date subscriptions, free trials that you forgot to cancel, unused gym memberships…these sorts of payments can be silently taking chunks out of your bank balance if you're not careful. Staying on top of them is a good way to keep your finances in check (and protect yourself from scams), but remembering to find the…
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Annuity and Part Time Work
G’day folks, Is this the only way? I need 4k net a month. My boss has asked me to go part time reducing my pay to 40k a year. This is based on 18.75 hours a week. I have just turned 55 and find the thought quite appealing. He needs a headcount reduction and is asking all the old timers if they can go part time to prevent…
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Being chased for debts that were included in my bankruptcy
Hi, I am new here and would like some advice. I went bankrupt on 3rd December 2025. According to the insolvency register, I am automatically being discharged from bankruptcy on 3rd December 2026. Up until recently, I thought my bankruptcy was going well. I've only heard from the official receiver once, and that was the…
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Failed to display a blue badge.
I recently parked in a disabled bay in a retail park to collect my partner who was in one of the stores. She is a Blue Badge holder. As we have more than one car, she always keeps the badge in her handbag so she has it, whichever car she is using. According to my mobile phone I texted her at 3.18pm to say I had arrived. I…
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Payment Returned and then PCN (ParkingEye)
I tried to pay for parking on an app (evology at Fantasy Island) but it timed out. I received a "payment sent to Evology" notification from my banking app so I assumed it was paid. Get home and I've been sent a PCN from ParkingEye. Check the Evology Parking App and there's no record whatsoever. Check my banking app and the…
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(UK) Saba parking fine for parking in the incorrect zone in the hospital (i'm staff)
So, i pay a permit of £20 per month to park at the hospital as staff. One day i was late for work and decided to park in ZONE 1 as a one time thing which is closer to the hospital - I am only permitted to park in ZONE 3. I received a PCN, for failure to obtain a valid permit. So far i haven’t paid it, this was 15 days ago…
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Is the Nationwide app any good?
How do rate the Nationwide app, is it any good?
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No contact from surveyor
Morning All, I was after a little bit of advice. I am in the process of purchasing a property and I instructed a surveyor on 27.07.26 (signed the consent form and sent it back) and have heard nothing since. They stated in their emails that they would contact the estate agents to arrange. The estate agent confirmed they…