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UKPCS and Moorside Legal Help Required!
Hi all, I wondering if I could grab some advice from you good people. Quick summary I was issued with a PCN for parking in a private car park for a air BnB we were staying in in 06/2022, the car park was key accessed and the flat had an allocated parking space, we hadn't realised until the next day that there was a permit…
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What is going on with John Lewis aftersales service, returns and refunds?
John Lewis after sales care is shambolic. Bought a phone online 17/7/25 which was faulty and immediately arranged a replacement which was also faulty. They have agreed to refund me but after hours on the phone to John Lewis (7 calls), complaints, escalation of complaints and also emails I still haven't received a refund…
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Home Insurance quote and historic CCJ
Myself and my husband have a joint CCJ which was lodged in June 2019, paid in full August 2019 and has now finally dropped off our credit history. We're buying a house and need to take out buildings and contents insurance. The wording of the question for the quote is: Have you or anyone living in the property been declared…
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More than one withdrawal daily from Chase Saver?
Hi, I've got a Chase Saver currently paying a boosted 4.55%. I thought I read somewhere that if you make more than one withdrawal per day you're penalised in some way but I'm not sure if I've made that up. Does anyone know if that's right? Thanks
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Builder Depot refusing return under Consumer Contracts Regulations — advice needed
Hi all, I’d appreciate some advice on a return issue I’m having with Builder Depot. I ordered a fridge freezer from their website on behalf of my elderly parents. The unit was delivered on 18 July 2025, and I submitted a return request on 29 July — well within the 14-day cooling-off period allowed under the Consumer…
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ESA - totally confused about Contribution/Income based
Hi, I've always thought I was getting Contrbution-based ESA (in the Support Group) but looking again at my letters, I'm totally confused about it. The letters show: The payment of Employment and Support Allowance is based on your National Insurance Contribution records. Limited capability for work addition: - Extra money…
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Best way to purchase second home shortterm in Scotland
Early 2026 I will be taking retirement and we plan on selling up and relocating closer to our daughter in the northeast of Scotland. Our plan had been to purchase outright our new home using our savings and my retirement lump sum...since suitable property is always for sale up there.We would then have our own house put up…
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New balustrade on balcony - Planning permission?
Hi, We have a balcony on our detached house, the balcony has been there over 15 years, I remember we bought indemnity insurance for building works when we bought the house 5 years ago. The wooden balustrades have started to rot so we want to replace with glass, do we need planning permission, our local council want £200…
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Elite Parking Management PCN
Hello, I’ve read the Newbies chat regarding appealing against these PCN’s. However, I just wanted to make sure to double check I have grounds to appeal. My Grandparents parked in Eddington 10 days ago, in a ‘free’ hour bay, however they didn’t see in another area of the sign that they needed to “register” on JustPark for…
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Moorside Legal LBC
Hey Guys, I just got a Letter BEFORE Claim from LBC with no email or anything, just a phone number asking me to pay 170. Do I just wait for a Letter of Claim? I am tempted to just pay it and save myself the headache, but advice of what to do would be great. Cheers, Sami101
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Help with Drafting paragraph 3 - Euor car -DCB
Hey, I parked in a carpark back in 2024 without paying and stayed just over 5 mintues. It was late and my wife was also pregnant. Will the below pragraph for section three of my defence suffice? Should I admit to being the driver or not? "3. The Defendant admits being the registered keeper and driver of the vehicle but…
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Euro Car Parks Claim Form & Legal Defence
Hello All, I've just received this Claim Form today which I will in due course reply to via email which I assume is the best way to respond. My main request is for help in regards to the wording of my defence & of course any other helpful advice would be gladly appreciated. So here's the history of the parking incident…
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Ongoing unauthorised energy switches caused by third-party comparison site
Hi all, I'm reaching out as a customer who has experienced repeated unauthorised energy account closures, loss of supply, and potential misuse of personal data caused by a third-party switching site called Switchcraft. Despite never signing up with them, my British Gas account has been closed multiple times since 2023,…
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Can I Terminate My Agreement with Claim Management Company?
I signed up with a company (Chase Monro) who were advertising on X for mis sold car finance in January 2024, long before MSE advised "not" to use such a company. I did try and cancel a while back and told I would be liable for their costs if I did so. They estimated the value of my claim at £44K (gross £54K) so their 25%…
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Euro Car Parks Claim Form Defence Draft
Hi everyone, I have followed the defence template and got my defence copied into word with my own part in paragraph 3. Could someone look at my draft please and see if it's good? 1. The Claimant’s sparse case lacks specificity and does not comply with CPR 16.4, 16PD3 or 16PD7, failing to 'state all facts necessary for the…
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UPRN & COUNCIL TAX
Where to begin?!? We moved to a plot in spring 2014 and had a mobile home while building and paid band B Council tax. From end July 2014 we commenced paying council tax on our newly built 2 bed chalet bungalow. This was banded F which seemed overkill for a small home and I wrote to the VOA to seek review. This was declined…
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Smart meter advice
Can anyone please offer some advice on the type of smart meter that would be suitable for my property which is an apartment, my meter is located inside a communal cupboard along side other residents meters so room is limited for wiring. I am looking to have one that supports tou tariffs, I already have a multi rate meter…
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Tax Implications of buying an annuity
I would appreciate advice please. I consolidated various small pensions into two drawdown pots, with Pensionbee and Moneyfarm. I'm now considering buying an annuity with the capital in the pots. A financial advisor told me that I would be liable for tax on the capital amount when moved, as well as the income from an…
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Premium Bonds vs Cash ISA
Am dithering about withdrawing my premium bonds and putting into cash ISA. I have won £125 over 4 months on bonds worth £11000. How do I compare interest rate of 4.87% to see which would / is giving the higher return please?
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VAT between unregistered and registered businesses
We are a band of amateur musicians. We performed at a venue which ran the box office selling tickets for our show. We negotiated a profit share arrangement with the venue whereby they would pay us 75% of the ticket money and they would keep 25%. We are not vat registered but the venue is. The venue want to deduct vat from…
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1 or 2 Probate & IHT applications?
We sadly lost our aunt and uncle within 3 days of each other, a couple of months ago. They had mirrored wills which are straightforward and their estates qualify for IHT, singularly and jointly. As executors, we are trying to get advice if we need to submit 1 or 2x probate & IHT applications for them, on the assumption…
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Plumber caused damage and small claims court
Hi all I’ve had some laminate flooring ruined from a water leak after some plumbing work. The plumber initially denied responsibility, but after I’d mentioned the small claims court and showed him a quote to repair the damage - he wanted to replace the floor himself. I rejected this offer outright as he isn’t a…
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DCBL chasing Smart Parking PCN from 2021
Recently contacted by DCBL, which is aiming to recover payment for a Smart Parking PCN from November 2021. At the time, we had permission to park, we were meeting the site manager. We advised the site owner when we recived the PCN, they apologised saying they were having 'some issues' with Smart Parking and that they would…
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Autotrader: Sell To A Dealer
Has anyone used the free Autotrader Sell To A Dealer service? I've currently got my mum's car in an auction with Motorway but initial price estimates with Autotrader look significantly better than Motorway or We Buy Any Car, allowing for reductions due to partial service history and scuffs. Can anybody recommend or…
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When did the changes to SEG export happen?
I've looked through the forum and seen some threads about this but cant find where my questions are answered. Sorry if they are - bit overwhelmed and angry atm. So Octopus have just told us they're dropping our export rate from 15p/unit to 4.1p/unit from this september. Yes, they said it'll be a 'variable rate' but you…
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HRP
My wife receives a reduced pension because of incomplete years, we had children at home between 1974, to 2004. Last child born 1988, received dla for him between 1996-2004. she worked prior to having children, only worked part time between 1993-2012, and did not pay NI. We have been told by hmrc that she signed a form to…
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Savings Account
Hi. We are in the process of selling our house and there will be a gap of 4-6 weeks before we move in. We will have around £250,000 to bank for that iinterim period and I was wondering: a) Do we need to split the amount into separate accounts? or b)Put it into one account to gain the maximum interest over a short period.…
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Received a charge from APCOA parking
Hi all :) I am just posting here to find out if my dad has a chance to appeal a charge. He was going to pay it but I advised him not to just incase. He received a parking charge from APCOA Parking. He went to Manchester Airport to drop a family member off. He used the Manchester Airport upper drop off forecourt T2. He is a…
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Access DC pot now to avoid 40% tax when I get state pension
I'm a 58 year old currently receiving c £40k pa from a DB pension. I pay 20% income tax on the element of this pension over my £12,570 personal allowance. I qualify for a full state pension of c £12k pa when I reach age 67. I also have a DC pension which I'm yet to access of c £125k. I feel it would be prudent to start to…
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Tesco - Free Fruit at checkouts
Tesco are giving away FREE fruit at their checkouts for children to enjoy! From 4th-17th August, children shopping with their families in Tesco stores will be able to pick up free fruit at checkout. This continues the work of Tesco’s Stronger Starts Fruit & Veg for Schools programme, helping more children across the UK…
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FTB Tenants in Common rules for residence/ renting
This is long so bear with me. I live in London (renting for eye watering amount). My intention is to move back to Scotland but there are fewer
jobs there in my industry so I’m essentially waiting until I get a job. A very good friend of mine who I’ve discussed buying with
for years currently has the opportunity to buy a…
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Brewdog - free beer at various locations
To celebrate our love of all things fresh beer, we're traversing the nation to put cans in hands. And we might just be coming to a location near you. 31ST JULY: LONDON Waterloo Station, 12pm - 6pm 1ST AUGUST: MANCHESTER Piccadilly Station, 12pm - 6pm5TH AUGUST: EDINBURGH Waverley Station, 12pm - 6pm6TH AUGUST: GLASGOW…
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Transferring debt from pre payment metre to a smart metre
I have a pre payment metre that went faulty a few months ago and couldn't top up, got a smart metre booked for September. But the debt on the metre now will get transferred over to the smart metre. How will that work will it just take a certain amount each time I top up towards the debt? How much will they take. I'm with…
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Avios points - BA Club
Hi, does anyone know a way of seeing where your avios points will take you on flights with the British Airways Club? Before it moved over to the BA Club you used to be able to go on a map and it would calculate where you could go with your points.
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Greenhalge Kerr- council tax collection
omg I have had the misfortune to try and sort some council tax debt out for my 85 year old father - for reasons unbeknown to us the debt has gone to Greenhalge Kerr and they have added 2k to it! Im not sure why Nottingham decided it passed this debt on - its the first we heard of it so could have been sorted out- but given…
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Renting a room to a lodger with restrictions in the lease
Hello, I am about to take on a new Leasehold within London with the Freeholder being a local council. I am close to exchanging contracts, however I noticed that within the lease there are some clauses that do not seem to allow renting out a room to a lodger, which is something I presumed I would have been able to do. The…
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Two claims or one?
I had two car finance agreements taken out between 2017 and 2020. The first one was taken out and closed with PSA. The second was taken out with PSA but was changed to Stellantis when the new company was formed. Both show up on my Stellantis account. Do I send just one claim form to Stellantis or do I have to send one for…
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misled on insurance?
Hi all, Apologies for the lengthy post. I’m hoping someone here has experience or advice on the situation I’m dealing with. I’ve entered into an unregulated hire purchase agreement for a hire vehicle with a company , who clearly stated, both verbally and in writing that the vehicle came with comprehensive insurance. After…
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S0S - Buying a repossessed flat without the Leaseholder’s Deed of Certificate?
Hello, A month ago, my offer was accepted on a repossessed flat in a 6-story ex-council building, which falls under the Building Safety Act (BSA). The flat requires a leaseholder’s deed of certificate, which the ex-owner hasn't provided. My mortgage broker secured a mortgage offer and recommended a solicitor. However, last…
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Moorside "Letter Before Claim" without details or response time
Hello all, I received this "Letter Before Claim" a few days ago relating to a very old parking charge (2020). I did not pay it and have been ignoring the debt collectors (location was Waterside Inn Leamington Spa, which was closed during covid). It does not contain any information about the charge or purported…