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Rise and reclining beds for elderly
My 90 year old mother can still get out of bed on her own but it's a struggle. I'm looking into rise and reclining beds but don't know where to start. The prices seem to range from £500 - £10000+. I just want something straightforward, functional and comfortable for her to be able to use. Can anyone recommend any decent…
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CCTV quote
Hey All, I've had a few quotes for CCTV and I'm being quoted £2k for 5 hikvision cameras. I was wondering if that's fair or too expensive. This is the actual quote 5 hikvision g3 8mp colorvu 5 bases 8 Chanel nvr 4 tb hdd Cable 2 way hdmi splitter 10 m hdmi USB mouse extension Labour & parts 3 years warranty £2050 He has…
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First Direct 2% Cashback on debit card All Spend in Nov/Dec, Capped at £10/month
Just had an email purportedly from First direct, saying I can claim 2% cashback on all debit card spend in November and December 2026, capped at £10 per month (so max £20 overall by spending £500 in each of the two months) in return for signing up to their "first direct perks" scheme. On the face of it, it seems legit, but…
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1p Mobile Boosts
I have a recurring boost of 4GB for £6 a month. There is now a boost of 5GB for £5 a month. I don't see anything on their boost webpage about changing to another boost. Do they make it difficult to do this? What would be the best way to make the change without paying for two boosts at the same time? Also, when I started…
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UC review and disregarded capital
Hi I recently had a review of capital and they haven't disregarded capital correctly. I receive DLA for two of my children. I keep this in a separate bank account. It's paid into my own main bank account as I've never bothered to change that with the DWP, but I immediately transfer the funds to a separate bank…
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Dog steps for a van
I have thought about making it easier for my dog to get in the front of my van. She always manages it, but she is 12, a Border Collie. I am getting older myself, and I have older and disabled friends, I could make a base, but not sure how to make it stable.
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LCWRA, DRO, DHP, and a condition for DHP - looking for cheaper rent
After months of disputes, the council awarded 3 months of help with LHA. Looking at my options. Renting privately (1 bed) for over 4 years, originally rented it with my ex, who has since moved out. Made redundant 2 years ago. My UC statement acknowledges the joint tenancy but assesses me as responsible for the full rent.…
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Just starting Stepchange with almost £200k debt ….
…. so firstly - don’t worry - most people won’t be in as much debt as me! Help is out there, and the law and FCA rules exist to help you take control of the situation so don’t ignore it. Go to Stepchange or Citizens Advice or wherever. I know you’re not sleeping, potentially lying to your family and worried about…
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Charger and consumer units
I'm choosing my first EV. I don't drive a lot, mostly local journeys. My current car spent most of its life on the drive. I'm tempted to go for a V2H with a bidirectional charger, so I can store power in the car, and use it in the day. I don't have a heat pump or solar panels. The meter is right next to where I would place…
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Breakdown cover & fuel
So I've broken down today due to a leaking fuel tank. I'm with Autoaid who have always been trouble-free on the very rare occasions I've had to use them over the last 2 or 3 decades. However, today, I'm having a grumble because they are making me pay for my fuel tank to be drained before they'll arrange recovery. However,…
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DCBL CCJ Set-aside application
Last Tuesday (27/10) I had the pleasure of opening a letter from DCBL regarding an unpaid CCJ. I've spent the last week reading the many cases posted here and I guess I'm making this post because as much as I've tried to understand every step I need to know, it is all still very confusing and overwhelming and I'm aware…
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HSBC interest charges
I recently had an unexpected item of expenditure so when my credit card bill came in I paid off most of it, but not all. I paid well over the minimum and well within the payment date. I paid the balance off four days later. HSBC wanted to charge me interest on the total amount of the bill. I had assumed that I would only…
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MSE News: Martin asks the Chancellor: 'Why haven't you overturned the Plan 2 student loan freeze?'
A repayment threshold freeze on 'Plan 2' student loans WILL go ahead as expected, it was confirmed in October's Budget. MoneySavingExpert.com (MSE) founder Martin Lewis – who's called the freeze "morally reprehensible" – grilled the Chancellor John Healey about it, asking why it was left in place… Read the full story:…
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Aviva pension taking tax free slices
hello, Have sent email to Aviva workplace asking if this is possible but here goes have 8k per year coming from a DB pension My Aviva pension is DC with estimate 300k so I could have a 75k lump sum, but instead of taking in one hit, I take it in smaller slices, much smaller slices… is there any limits on how many slices…
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Pcn for Tottenham permit only on event days
Hey guys, so on the 11th of October I parked on a road near the Tottenham stadium with signs stating "Resident permit holders only on event days" I checked on the Tottenham stadium events official website and didn't find any events listed for that day so I left my vehicle there only to return to a pcn attached to my…
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Nationwide launches 30 month member exclusive bond
Max deposit 10K and a rate of 5.3%. Just a tad above the best 2 and 3 yr fixes but with an expected base rate rise forthcoming, may not be competitive for very long. I'll wait and see what happens to rates in the next week or so. Link
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Mystery Payment LPA - ref NA1A-PXCA
Hello - I have just started trying to sort out my mum’s finances using her LPA. There is a payment she regularly gets but I don’t know where from! The reference is NA1A-PXCA. Is anyone able to identify this for me? thank you so much - fingers crossed !
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Why bother getting a heat pump if there's no ROI?
I see this question asked fairly commonly, and on the surface I get it especially previously where the spark gap was larger and given outside of very specific eco4 rules, heat pumps are basically seen as a middle class subsidy. It's not quite as sexy to say look we got a new heat pump vs a new kitchen But to them I thought…
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Money Moral Dilemma: My boyfriend is moving in with me - how much rent should he pay?
This week's MoneySaver who wants advice asks… I own my own house and my boyfriend is moving in with me. We earn roughly the same and have agreed to split household bills 50/50, but we’re stuck on how much rent he should pay. He's offered to pay half of my monthly mortgage payment, as he’ll still save on the rent he…
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Negligent advice by solicitor?
My mother in law transferred ownership of her house to her three children some 12 years ago. Her instructions to the solicitors were to carry out the transfer for the benefit of her children, an instruction which the solicitors confirmed in writing. When the transfer was completed, the solicitors asked the children to sign…
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Right of access query
I bought my house 5 years ago which is one of three houses accessed by a gravelled drive. My house is the first one and the two neighbours have to drive past to reach their properties. They were built around 25 years ago and the original occupants have long gone. When I bought mine, I was told that a limited company…
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Income protection - how much is reasonable for premiums?
Hello, I (29F) have been thinking about Income Protection insurance as I have just purchased my first house in London. I've got a quote from a broker for £46, but increasing to £71 if I opt out of the step/health tracking data (I would opt out as I find that to be creepy Americanised stuff). £71 seems like a really high…
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Issued NTK by Brittania Parking - Failed to make a valid payment
Hi, looking for some advice on how best to approach appealing a parking charge. I've had a look at the newbies thread and have tried to digest the information - lots of very useful points. I am the keeper of the vehicle. The driver has not been identified. No windscreen ticket was issued. NTK was received 3 weeks after the…
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Court claim, ParkingEye - venue said it's cancelled
Hi, I've just had a letter for a court claim from ParkingEye for a parking offence from back on March 2024. The claim is for a parking breach at a local tenpin bowling centre. On that actual day, my wife drove to pick up my son from a kids party. It was late an signage was pretty poor. She was only there a short moment to…
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Lifetime ISA withdrawal
I have contributed £16k into a LISA historically (bonus takes this up to £20k). I bought a house 2 years ago which exeeded the value allowed to use a LISA, so I left the amount in my LISA alone as at that time there was talk of reducing the 25% penalty to 20%. Fast forward two years and that is now the case, but it sounds…
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Parking eye ticket
Hi folks, I have been given a letter to a mediated court hearing for £232 for a parking ticket. I was parked at my gym where I have been a member for 5 years. I enter my car registration details each day and did so on the alleged day too. I have evidence that I have been a gym member for 5 years and that on the alleged day…
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Scrapping my car - any tips?
I have decided to scrap my 20 year old Volvo C70, as it has recently become unreliable. Any tips on which firm to use? I have SORNed the vehicle, so I need a firm to collect it, although it is still driveable. The headlamp units are easy to remove, and they go for around £200 each on ebay. (I paid £500 for a new one a…
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Zopa app bonus rate qualification
In the app I used to be able to see if I've qualified for the 1.5% bonus rate on my savings pot for next month. It would tell me… - Keep my rate by adding £500 to my Biscuit account by a certain date or - I've locked in my bonus rate for the next month I could then tap on the above message, and I'd see months with tick…
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Bloom / Apron to get rewards when paying payroll?
A mate of mine started using Bloom for his payroll. They give 2 Avios for every £1 spent on Payroll via them. He's got 20 staff or so, and spends £60k/ month on payroll, so 120,000 Avios per month for him. Which is rather nice, 1.4m per year is circa £14,000 to spend on flights for his family. Tried to sign up with Bloom,…
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DCB Legal Letter of Claim - first contact after 18 months
I have recently received a £120 Letter of Claim from DCB Legal/GroupNexus dated 20 October 2026, for a March 2025 parking charge. No earlier correspondence was received. I have disputed it by email and the online Reply Form, requested evidence under the Debt Claims Protocol, and received an automatic reply email. Anything…
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Parking Charge - Euro Car Parks.
Hi I've received a parking charge for parking in a pub car park but either failing to register on the device in the pub, or incorrectly entering my car reg (I don't know which). I can prove I was in there because I spent a small fortune on their drinks. This can be proved by bank statement. The Notice to Keeper looks…
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Guided retirement (let's complicate and reinvent the annuity) consultation
A guided retirement pensions consultation has been launched today. https://www.gov.uk/government/consultations/guided-retirement-policy-consultation/guided-retirement-policy-consultation I just don't get what this longevity protection stuff is all about. Isn't that what an annuity is? Am I being unfair?
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SIP Parking PCN – “Not In Marked Bay” – Harding Street Arch, Salford – worth taking to IAS?
Hi all, Just looking for some advice before deciding whether to pay this or take it to the IAS. I parked at SIP Parking's Harding Street Arch car park in Salford on 25/10/26. I paid the full £9 parking fee and displayed a valid Pay & Display ticket. I parked in an area which, at the time, I reasonably believed was a…
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Judicial Mediation
HI all, Haven't posted in a while but in a nutshell I have an employment case coming up for judicial mediation in a few months, I've been litigant in person for the most part. I have sent my calculation of loss through, but I do want to set a floor in advance, just wondering if anyone knows if its possible to get advice on…
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"Your claim was transferred to XXX"
My dad has an ongoing case with ECP, however his claim was transferred to a local court on the 24/09/2026 however there has been no update via email, phone or physical letters. He called the local court where it was transferred and they confirmed that his name does not match with the claim number. What are the next steps…
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UR/Buyur Ltd
Adding my name to the list of people affected by UR.co.uk / Buyur Ltd. From reviews I sent my iPhone off to UR and was told £90 trade, I received notification of the completion of the trade in and payment in 14-30 days that was 4th June 2026. I have been chasing since and last told in September that it would be July 2027…
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Probability of not winning anything for married couple having £50k each?
Hi. Both me and my wife have premium bonds to the full value of £50k each. This month, November 2026. Neither of us have won anything. Is this unusual? Is there something going on with premium bonds? Anyone have any answers please?
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SDLT - Separation Agreement / Additional Property
Me and my husband are separated and not living together. We have a Separation Agreement in place re the marital home, which I am taking on as sole ownership and taking over the mortgage. He is gifting his share of equity in the property. The Separation Agreement I understand qualifies for Sch 3 Exemption. However we…
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V neck Christmas jumper
Mr. M has been persuaded to join in with the family and wear a jolly Christmas jumper. However he’s a tad pernickity about his clothes, having spent his working life in very smart uniform. He would really like a V neck style but the only one I have found so far is on a dodgy Chinese website. Anyone seen such a rare beast?…
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Middle East conflict- must I travel against FCO advice?
Hi, I'm due to travel CDG-BKK on the 12/11 but with a layover in Jeddah! I booked my flight via Booking.com on the 26th of February, just two days before it all kicked off in the Middle East. FCO are now "advising against all but essential travel" since mid October. The flight is with Saudi Airlines. They are still…