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Trading 212 cash ISA 10 day limit
Just a warning for anyone opening a cash ISA with Trading 212. If you don’t deposit any funds within 10 days of opening the account then you lose the promotional rate. I didn’t spot that anywhere obvious (I may have missed it) but it’s in their terms and conditions…to which they will point you when you query it. They…
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Help with council tax
In 2024 I contacted the VOA (ctinbox) because I believed my property was in the wrong council tax band. My house was built at the same time, by the same developer, using the same templates as several neighbouring properties that are in a lower band. To me, it seemed completely reasonable that we should all be banded the…
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SIP Car Park
Hi there, I wish I had found this sooner, but I recently got a PCN because I had forgotten to pay, it's one of those car parks where you can pay after leaving (I have done this once) and also used this car park without issue numerous times previously. I initially appealed by saying that the app wasn't working when I tried…
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2 operators on 1 car park
Hi all, Today I've received a PCN from total p car parks for over staying a 30 minute free stay whilst I was in the pub. The car park in question is what looks like 1 car park next the the pub but also has a subway next to the pub, which the signs are not clear. I authorised my parking via the pub on their tablet I've…
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How do I remove an unwanted guest living in my caravan in the garden?
I have read through another thread where a person had someone living in a room in their house and refusing to leave. Changing the locks seemed a strong recommendation. My problem is slightly different because the person is living in my caravan in my garden. She came seven years ago for a few weeks while she sorted out…
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CEL only court claim 2025
I would be grateful for help and advice regarding a claim by Civil Enforcement Limited. I have done my AOS as advised and now i need to write up my defence. The PCN states that I was in the Heron car park for 1 hour 34 minutes. Heron Foods in Crewe opened on March 19, 2020, with no car parking restrictions. Since then, I…
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Euro Car Parks app problem
I’ve just had a POPLA appeal rejected over a Euro Car Parks ticket in Hull and I’m wondering what the best next step is. The frustrating part is a parking payment was made, but the official app had an error first (which they point out was a technical fault in screenshots) and said the payment card had to be re-registered…
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2 DCB Legal Letters - Scotland
Hi all, I have received 2 letters from DCB Legal in relation to private parking tickets, to my name - as the keeper of the vehicle. I have not replied to any previous letters nor declared the driver of the vehicle at any point. I am in Scotland and both parking incidents were in Scotland. one is on behalf of ParkingEye and…
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Pension Credit and disregards.
I’ve received a letter this morning from the DWP’s Pension Service B saying they need to check the information they have wrt pension credit is correct on September 29th. It says not to contact them as they will contact me by phone or letter “in the near future.” My first query is whether they will do this before September…
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Dilemma, Dilemma, Dilemma
Hello, I've been on MSE for many moons, gone through debt repayment and many challenges but this one feels the absolute worst. I'm kind pre 'mortgage free wannabe' but also needing the comfort blanket of a good ole MSE diary. So current situation, co-parenting with Ex H. We both have partners and everything is friendly. We…
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Bulk LPG - Cheapest suppliers / supply route?
Hi all, Moved into a house in Jan that has a bulk LPG tank, which was previously supplied (and the tank is owned by) Calor. The contract they were really keen for me to sign was quite a restrictive lock in one and after speaking and a bit of negotiating they dropped the standing charge and discounted the pence per litre by…
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Missing employer pension contribution on final payslip
Hi I left my employer in mid-February (and my P45 was issued at that stage). In March I received payment for amounts that they had failed to pay me in February. When checking my payslip I noticed that not only did they not deduct my employee pension contribution in March but they also failed to make any employer…
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On track to retire at 50? Pension diary
Hello all, After moving into our new family home and having our first child soon, I have spent some time looking at pensions to ensure they are on track. I spend a lot of time supporting charities and would really love having the option to retire at 50 to focus more of my time supporting them. I would estimate that with my…
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Free Football Coaching and World Cup Tickets
I went to McDonald's yesterday and saw on their dinner mat that they offer free coaching to kids. It caught my eye because there was a chance to Win World Cup tickets. No purchase required, but only for kids aged 5-11.
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SSP query
I only work one day a week. 12 hours as I’m a carer. Last year I broke a bone and had a fit note. I had to go back to work early as I didn’t get any sick pay. If I only work one day a week do I need to be off for 3 of my working days (so 3 weeks) before I’m entitled to sick pay on week 4? or is it after the 3 rd…
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Bricks Not Books
The first day of a New Year seems like the best time to start this diary! I was on this board under another name for a number of years, but I felt like a change of name as well as a change of diary, so here I am! Completed on new home with OH in December, we haven't even owned it for a month yet. But we have a mortgage of…
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reduced pension payments
I have been in touch with DPWP regards my wife's pension she gets £109.48 a week I questioned this and got her N.I. record from HMRC. The record showed that she had 28 years full and 11 years not full, the years not full was when she was looking after our children?. At these times she was claiming child benefit. Can she us…
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Getting Started (Again)
So having cleared over £18k of debt around 15 years ago, I know find myself in the unenviable position of having accrued debt and trashed my credit file once again… Things are very different now to then, but for various reasons I have only recently managed to turn a corner and really faced up to the situation. I made use…
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Car from Cinch, false service history
Bought a car from Cinch in October, three month warranty. Recently started going into limp mode and struugling to get over 50 mph. Took it to a garage this morning (garage is owned by a good friends dad, I trust his opinion.)…with the state of the filters etc, it looks like its NEVER been serviced. The documents state five…
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Juggling mum/work life, whilst looking after my future self, both financially & healthily
Hiiiii, So I thought it was time I started a new diary as my old one got a bit complicated. A little about me. I’m a mum in my 40’s, my husband works away a lot, I work full time, and I have 2 children a tween and a teen. Along with 2 noisy cats. The last few months have been hard financially, and my work is teetering on…
