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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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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…
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InfoTrack eCos Onboarding being used by my solicitor
It's been over 30 years since buying a house and I'm now in the process of buying my flat. My solicitor tells me that their firm has switched to the online 'InfoTrack eCos Onboarding' system which is to verify my ID, proof of address and source of funds. Has anyone else used this system and is it used to pay the deposit…
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New Bank Account for an Association - Advice Please
I recently discovered that, last year, our residents' assocation's bank account was closed by the bank because it hadn't been used for some time. I am in the process of claiming the funds that were in the account and would like to open a new residents' assocation account for the funds to go into. The old account was set-up…
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July 2025 Grocery Challenge
Welcome to the seventh Grocery Challenge of 2025! As always this challenge is to reduce your own grocery budget to levels that you will be pleased with, not forgetting that we always recommend that you stay inside your own comfort levels and take things gently one step at a time. Remember that this is not a…
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What advice re' Help To Buy ISA with £13K invested.
Hello, I'd appreciate a sense check on the advice I'm thinking of giving my daughter re' her H2B ISA . She is hoping to buy a house in the second half of 2026 (although nothing is certain!!), but given the current housing market its’ likely to cost more than the £250k H2B ISA limit. So it seems that her H2B ISA is actually…
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CEL Court Defence - Restaurant Related
Me and the driver went to have a curry back in Feb this year and ended up with a parking fine. So we were in a restaurant/pub we'd been to before on 25th Feb in the evening. We spent about an hour in the restaurant, just the 2 of us. In April we received a PCN dated 15/04/24. Saying we'd failed to obtain a permit in…
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Now TV offers
My Now TV entertainment pass went up to £9.99, so I did the usual and tried cancelling expect them to give me an offer, but nope they just cancelled. Is there anyway to get a new Now TV entertainment pass at a good price now, as it seems like the old ways to get it cheap have all gone.
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Old Style Weight Loss Challenge - 3rd Quarter 2025
Hi All Welcome to the Old Style Weight Loss thread for quarter three 2025 Please feel free to start posting your weight loss goals for the next challenge which will run from the 1st July until the 30th September. You do not have to submit a loss or gain for the first week as it's our starting week, you can post your first…
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Receiving inheritance
Hi All My dad has passed away and I will be receiving approximately £100,000 within the next month or so. I am a 44 year old woman that works just above minimum wage. I have a partner who also works at just above minimum wage. I have two children at 14 and 18. I have never had much spare cash after all bills paid and food…
