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Can I sell our house without contacting my abusive ex-husband?
I live in a house that has a joint mortgage with my ex-husband. the mortgage was took out in the year 2000. He moved out & we got divorced in 2007. I have no children. The only thing that still ties us together is this property. During the 7 years he lived in the marital house he only paid a couple of years worth of the…
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SAR + RoR with ECPL and DCBL
Hi, Sent in a SAR and RoR to Euro Car Parks to obtain evidence of a parking infringement from 18/11/24 and to ensure correct contact details. Last time I sent an RoR it got passed on to the "debt collectors", obviously not this time as still recieving letters to old address. Should I just send RoR to DBCL as well? ECP sent…
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Looking for the Best Front & Rear Dash Cam with Notifications, Hardwire Option and Solid Features
Hi all, I'm in the market for a reliable front and rear dash cam setup and would love to hear your recommendations. I'm looking for a dash cam that ideally includes the following: Front and rear coverage (ideally with good video quality, especially at night) Notifications (e.g., push alerts for events or impact detection,…
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Looking for evening/ weekend work
Sorry if this is the wrong sub. I work full time but would like some extra money. I don’t really want to work every evening or both Saturday and Sunday. Does anyone know what type of job or any I can do?
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Small Pensions - cashing in
I have 2 small pension pots; about £20k combined. Since they were 'parked' up, a number of years ago, I have started work as a teacher. By the time I get to retirement age (67 in my case) I will have a reasonable pension; contributing the the TPS scheme. I turn 55 in a few days and am looking to reduce my overheads. I want…
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Carer Status
Hi, am currently working but have recently reported that I am a full time carer for someone that receives DL PIP. The following day I was sent new commitments and work plan that state I no longer need to be actively looking for work, I am massively confused as my commitments and plan are identical to my previous…
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Now self employed, restart previous private pension other start new and transfer in
Hiya. I'm 48, I've got a LGPS pension which I dont want to transfer, ive now become self employed and looking at sorting a private pension. I have previously paid into one in 2007/08, thats got £20K in at present. Im wondering about starting paying into this again or setting up a SIPP or personal pension and looking at…
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Leisure Centre PCN Defence Help - Paragraph 3 Help
Hello all, I was hoping to get some feedback on the defence I'm preparing, in response to a claim for money sent to me from a private parking company. I've read the newbies thread and the template defence, so I think I've got a good idea on what to do. However, I have a newborn and I'm back to work full time now so I've…
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Smart Parking via DCB Legal 2025
Hi all, I’m looking for some advice regarding a recent claim from DCB Legal which has now led to a court letter from HM Courts & Tribunals Service (Civil National Business Centre, Northampton). The background: * The claim relates to a private parking charge from 18/07/2021 for overstaying in a free car park (managed by…
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Smart Parking-DCB court claim
Hi, Your help would be hugely appreciated, please. I have only just found the letter but it is dated 27th August, so I will be late responding. The claim is dating back to August 2020, I have ignored all previous correspondence but until about a month ago I had not received any chasing letters for about 5 years. I don't…
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Advice on car not suitable for the outdoors
Hi all, Been a while since I've had to post here for advice ! Basics: Car purchased 30/11/24 from Audi main dealer 90 miles away with 18k on it and on PCP until Apr-26. Comes with 2 year Audi used approved warranty. Problems: It went in (Main dealer close to home) a few months back for some issues with a module which…
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Sainsbury’s - Euro Car Parks fine (Overstay)
Hi, I’ve received a NtK by ECP as I have parked in Sainsbury’s past 16:00 on a Sunday. Their terms and conditions state that you are not allowed to park outside store hours. I have missed this as their terms and conditions are small and unreadable from 2-3 metres and you need to go under the sign to properly see. Their…
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Higher rate relief calculations
I recently informed HMRC via the online chat of my SIPP payments for 2024/2025 and wonder if anyone can check / confirm their calculations are correct? In addition to the screenshots, my gross salary is £65,547 + approx £1200 in O/T, I pay 10% ish towards my work pension. My SIPP contributions for 2024/25 were £3040 net,…
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Warning John Lewis Credit Card is insecure
I've been left with no alternative but to warn others about how insecure the John Lewis Credit Card is. The card is operated by New Day so this could apply to other cards that New Day runs. When you register for the JL credit card they ask for a user name and suggest you use your email address, and they also ask for a 6…
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Metal railings and brick - colours!
Hey everyone, Our metal railings, currently satin black, like nearly other set of railings, are in need of a repaint (rusty in places). My wife's keen to not rock the boat, and go for black again, I however, feel this is a bit boring, and going to all the hassle to repaint for it to only look spruced up a bit is of a…
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Off-Peak Smart metering
Many of us have watched the TV commercial featuring a character resembling Albert Einstein alongside Angela Ripon, which highlights how smart meters can help save money when using electrical appliances during off-peak hours. My question is whether this only applies if you're 'not on a fixed tariff', or does it also apply…
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Self Managed DMP Account Sold
Looking for help with the next steps Shop Direct - default notices been arriving since last payment in February. But no official default yet. Letter today to say the account has been SOLD to ACI Do I go ahead and start payments with them ?
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Considering Changing the use of our Property from Long Term Let to Holiday Let in 2026
What is the best approach regarding our mortgage to be advice independently about it?
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Want to cancel job - tradesman says he has bought materials
I was quoted for a job a month ago. I was hoping for work to be completed mid September but he said he’s running 2 weeks behind. I then this week asked about changing the scope of work and what the change in price would be. He said a reduction of £150 when another tradesman advised £500. Anyway I said I can’t make up my…
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Howdens advice error
I recently bought a fitted kitchen from Howdens. There was a lot of back and forth between myself and the designer to make sure everything was right. The process of planning has gone on for the best part of 6 months. I purchased the majority of my appliances once I’d got the dimensions confirmed with Howdens. My fitter has…
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PIP or a related number phoned out of the blue.I and my keyworker missed them.Will they phone back?
Hello. I am hoping people can help as I've had a phone call off a number I didn't recognise and have spam calls to navigate as I am a bit paranoid / suspicious if I don't recognise numbers. It was completely out of the blue, no text, letter or anything saying they'd phone, so I looked the number up afterwards and it looks…
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Property developer asbestos, remove or encapsulate?
Hi, I have a cash lump sum and am in the process of looking for a property to redevelop and sell on so I can eventually make enough spare cash to help my children onto the property ladder as it’s not going to be easy for them in this day and age. I don’t have enough for all of them with the cash I have unfortunately. I am…
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Cashing in one of my pension pots
Team, I have two pension pots, an old one I no longer contribute in and my "normal" current pension pot that I am paying in to at the moment. The smaller of the two I plan on taking the 25% lump sum at the start of March next year when I turn 55 and then looking to draw down the balance of that towards the end of March…
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Please help £75k debt!
Hello everyone, I found this forum and have been reading different stories the last couple of weeks because find myself at breaking point, 35/M I have a history of gambling addiction which is the root cause and for the first time in my life ( it has been approx 2 months where i feel in control of it and honest with it to…
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60% discount on double glazing!
So.... Getting quotes for double glazing, not my first rodeo and in fact to my shame I was a double glazing sales person in the late 80's along with Tupperware, Oriflame and yes... Kirby hoovers. So quote number 1 drew some cute little hand drawn sketches, got out his catalogue, and took his pencil (I kid you not) and…
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Cleaning floors especially stairs carpet
House I bought has laminate in most rooms and a carpeted stairs. I guess a basic cordless vacuum or duatpan and brush and a flash speed mop would deal with the hard floors. How about carpeted stairs.. vacuum and anything else? Thanks for any tips
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Using an annuity to reduce IHT ?
Googling indicates it can, the capital used to buy the annuity is considered spent so is no longer subject to iht. So far so good. But when you die, the annuity stops, or passes to spouse which is iht exempt anyway..... So where's the annuity/IHT benefit...?
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LCWRA payment help!
Hi all - been awarded LCWRA due to a major operation, they have stated it is awarded from 22nd May. So, am I correct in thinking, that as you have to wait 3 months, then the 3 months waiting was up on the 22nd August? (22 May - 22 Jun, 22 Jun - 22 Jul, 22 Jul - 22 Aug). My next payment date for UC is on the 22 Sep, but…
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Transfer pick up time
Heading home tomorrow after a lovely break in Corfu. With the homeward flight being 1pm the earliest I was expecting to get picked up by the TUI provided transfer was 9am however the pick up is 8am, 5 hours before the flight! Is this usual for TUI?
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UK mobile phone use while in America
Hi all, I am a UK citizen, and will be in America (east side), for 3 weeks next month, on part holiday, part business. I need to use my UK mobile phone number while in America, for calling and receiving. What would be the cheapest way for me to call UK mobile numbers from America, using my UK mobile number while in America…
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NHS CHC query
Hi Wondered if someone could help. My mum had an accident and ended up in hospital, she has broken ribs, paraylsed arm with nerve damage and shoulder damage. Her mobility is non existent, she has dementia and alzhemiers's due to small blood vessel disease, has suffered severe depression and has incontinence. She is still…
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Money Moral Dilemma: When should I tell my son I can't afford for him to go to a private school?
This week's MoneySaver who wants advice asks... My ex has registered our son for a private school entry exam and told him he can attend if he does well. He then informed me that, if our son gets in, he'd expect me to pay half the fees. He knows I'm already stretched to the max financially - even if our son got a…
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Admiral Direct vs Auxillis? Which route to take
Hi all, My car was rear-ended a few days ago (bumper/boot damaged). I asked my insurer if they’ll check for hidden mechanical issues (suspension, sensors, etc.) — they said yes, but ABL1Touch (the repairer they use) told me they only do bodywork. Options I’ve been given: * Admiral (via ABL1Touch): Lifetime repair…
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I need some help NVME and Enclosure
Hi I have an older Acer Aspire a315-56 and would like to upgrade to a NVMe about 500GB and maybe Samsung if that’s a good brand and also an adapter, NVMe to SaTa enclosure so my SaTa reader can read it so I can clone the disk etc. Thing is I am ultra confused about B key and M key slottage. Can someone please help me on…
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Amazing British Gas incompetence
I left BG several months ago, and recently told my bank to cancel my DD (having collected a further £180 compo). Today BG sent me two emails. The first threatened that the non-DD tariff would be more expensive and that my credit rating would be trashed if I didn't pay within 14 days of receiving a bill. The second listed…
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How to view feedback
Probably a silly question but on desktop eBay I have clicked on 'my eBay' then 'selling' but I cannot see how to view feedback left for me as a seller how do I do this please?
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Is the Uber One subscription worth it?
Uber’s subscription service offers savings (and cashback) on taxis, trains, flights, groceries and takeaways. It usually costs £4.99/mth, but many people are being offered long free trials, from two weeks up to a whole year. It's a rare subscription that can actually SAVE you money instead of wasting it. Read the full…
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£3000 for Conveyance fees is this high ?
Hi all we are purchasing a 2 bed flat leasehold for under 150 000 and the fees are 3000 including 350 stamp duty. Do you think this is high? It is a probate property thank you
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Interest on Savings, Allowance Understanding Required
Say i put £200,000 into a savings account that pays 4% .. I gather Tax is no longer taken off at source .. so £200,000 , Interest is £8,000 ( 4% Gross ) .. How much would i get 'Net' after my Personal allowance .. actual Net figure i would receive from £200,000 savings ( Inheritance ) ( I make it 3.2% after 20% Tax , but i…
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outfox energy switch- double payment during switching ???
switching from octopus to outfox as nearly £300 cheaper over the year. signed up with latter on 1st sept 25 asked for switch to go thru on 25th sept as away on hol b4 that. octopus took their dd out from 5th sept as normal. returning from hoI I discover Outfox have taken dd from 10th so as far as i can see im paying twice…