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Old Burglar Alarm System
When I moved into my current house fifteen years ago, there was a comprehensive burglar alarm system with motion sensors in almost every room. I decided to take the risk of being un-alarmed, and have never re-activated this system. Now I am planning to insulate the loft and I find that up there is a veritable rats' nest of…
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Insuring interstate property
My mother has recently died and left her assets in her Will to my and my sister. We are also both Executors of the Will. Whilst Probate takes its time, are we able to insure the property? It is over two hours away from where my sister and I live, and whilst we intend to go to it at least twice a month to check on it, I'm…
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Opened up fireplace
So I recently removed my gas fire and exposed the original brickwork. I’ve cleaned the bricks with brick acid but would need to get it repointed if I kept as is. I’m putting an electric log burner inside ontop of a slate hearth with an oak beam above but undecided whether to A.) get the original bricks repointed B.) have a…
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A pain in the PLUMs
On MSE recommendation I started a PLUM Cash ISA. No real issues, other than the usual digital format over-optioned click fest app (no I don't want this app to be the conduit of my life with various add ons and options - just want to save money get interest end off). The issue is now - trying to transfer the ISA out. As it…
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Sale of property and E.On
Good morning. I'm not sure if I should post on this forum but it is related to a recent sale. I've recently sold a property as the executor of my dearest friend, so on behalf of the previous owner who passed away. I wrote to E.On Next the other day (they already know that B. passed away last year) letting them know that…
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Meter box dispute
Hi my partner and I have been in a new build for 2 years now and have had issue with our neighbours due to our gas and electricity meter box positioning, it is on our wall on our detached house but unfortunately we have to step slightly on to our neighbours land to access it. Our neighbours have been trying to fight us on…
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Issue with Kiwi/Wizz Air flight refund
i booked a flight from London on Wizz Air via Kiwi.com. The flight comprised one from London to Rome and then a second flight from Rome to the final destination. Wizz cancelled the second flight and could not provide an alternative so I didn’t travel. I requested a refund through Kiwi.com who say that Wizz refused the…
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Faulty Apple watch that was replaced under Applecare - stuck between Amazon and Apple
I originally bought my Apple watch 7 from Amazon in July 2022, at the time I also purchased Applecare as I had had issues with previous watches. In April 2024 the watch developed a fault with the screen going black and unresponsive and the watch was replaced under Applecare after a couple of weeks and being sent of for a…
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Ninja Saving Turtles Challenge August 2025
Ninja Saving Turtles Challenge AUGUST 2025 Welcome to the NSJ Challenge for August. We're a very supportive and friendly group who come together each month to work on our debts or to save for our future. We have a holistic outlook so we aim to look after our mental and physical health, are kind to everyone and love to have…
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Claim Form Received from UK Car Management Limited
I have received a claim form in my name today, but I was not the driver. Apparently this breach took place on the 05/03/2024 so a year ago. The Claimant is UK Car Park Management Limited and the Solicitors acting on their behalf are Gladstones Solicitors. It clearly states in the POC that 'the driver of the vehicle with…
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Filing Defence - Smart Parking/DCB Legal - Guidance Needed
Hi all, Good afternoon. Firstly, I just want to say a big thank you to everyone who contributes their time and knowledge here, your support has been invaluable and much appreciated. I've been following the advice in the forum and have done my best to comply with all suggestions. Here's a quick summary of where I am: * I…
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drafting up my claim defence
Dear all, thank you so much for all that you do here. I am helping out my dad with a PCN. It's a long story but after a change in parking management and a lack of communication from Premier Park we received a PCN. We live in a close and have a parking bay assigned to us. unfortunately the road have 5 different type of…
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Civil Service Deferred Classic pension
Hi, I’m after a sounding board here if I may. Some of you, I know, are very knowledgeable on these matters. Are there any advantages/disadvantages to buying out (or just claiming and not buying out) my deferred Civil Service pension 2 years early, whilst still working for another 6 months in a non Civil Service job? I’m…
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Is this legal
Hi I have started a thread about this but it was a while ago and not had any further correspondence and really need some advice. To put it in a nutshell, my ex partners last remaining parent died around 18 months ago with no will being left. There are 3 brothers in total with brother A still living at the family home and…
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Tried Budgeting to Avoid Debt, but It Didn’t Work for Me
I set up a budget using apps, tracked my income, and wrote down every expense. Initially, it worked fine, but over time, I found it really hard to stick to. Unexpected expenses kept popping up—whether it was an urgent repair, an impromptu night out, or even just impulse buys when I felt stressed. It became overwhelming,…
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Zopa Loan default
Hi, could you please advise if this is anything to worry about before I start a self managed Dmp? At what point do I contact them to set up a payment please? See attached letters. This is after 2 missed payment rather than the 3 to 6 that it says they usually start defaulting. Donr want to end up with a Ccj 😞. Thanks for…
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Giving away metal bed frame, but want to drill holes and add nut's and bolt for slats, advice wanted
I bought a new bed and as the old frame got bent a little when I fell even though I sorted it theres a dent where the bend was, I also got some spare slats and replaced them but some slats are loose still and want to drill some holes into the frame and put nut and bolt in to stop them wobbling as that was the problem I had…
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Buying Used Car from Dealership - How do I maximise Car Tax Payment?
Picking up 28th August I do not want to be in a position of paying for all of August. Can I set up a direct debit and then cancel and then pay for 12 months from 1st September? What is the best way around this?
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What about inflation?
Hi I do the calculations (with compound interest etc & regular payments) and plan to have £1 million saved by the time I am 55 to retire. But! This is 12 years away, so £1 million will be worth quite a bit less. If I was younger & projecting my future savings plans further into the future, the inflation would be even…
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UKCPS and Moorside court claim.
My hubby has recieved a court claim form for a PCN arising from parking in Playworld, Huddersfield on 12/10/2023. The parking company is UKCPS and the solicitors are Moorside. He didn't appeal to the IAS as plenty of people have called it a kangaroo court so it didn't seem worth the effort. The Particulars of Claim 1. The…
