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EMPIRA - Final Notice Before Court Proceedings
HI MSE, I have received a 'FINAL NOTICE BEFORE COURT PROCEEDINGS' from Empira, claiming an amount of £170, is tis another 'scam'? Do I need to respond to this letter or wait until claim arrives?
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IAS DECISIONS (2025 onwards, until - we hope - they are banned)
Post your private parking IAS Decisions here! We had a thread of IAS Decisions last updated ten years ago, and it is closed. Let's show the MHCLG why good people here generally stopped 'futilely going through the motions' for a decade. Please search & find recent IAS joke decisions, good or bad (let's keep it balanced ...…
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Phone missing from box
Hi All My son ordered a reconditioned phone via Amazon for a Christmas present. It arrived today, my youngest son signed for it. Opened the bag to check the contents and found the inner bag ripped and the box inside the inner bag opened. Charger was in the box but no phone. Son paid on his American Express card. What can…
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Strange Starling Bank scam...that I fell for
Received a call from a private number with a guy with a London accent claiming to be from Starling bank fraud department, starling who I do bank with. He said two payments of £100 odd tried to come out but they blocked it. THey asked to confirm how much I had in the account and I stupidly told them. I was at work as this…
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How to totally freeze credit for UK citizens?
Is there a way to freeze all credit applications? To prevent getting in debt and also identity fraudsters taking credit out? I have searched for this but only seems to be an option for USA residents and not UK? Any help appreciated
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Help required with large Persistent Credit Card Debt. Have had a recent first Default.
Hello Debt-free wannabe's, I am new to the Forum so just wanted to say hello first before posting anything in detail. Just wondered if you would be ok with me listing details of 6 of my credit cards and one loan? Thanks, M
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Fresh Diary for 2025!
Hello those who follow along! Last year goals; - Get debt gone (didn't complete) - Buy my house - COMPLETE - Meal plan/prep - Sort of - Cut out Coffee (I gave this up on 22nd November 2023) - Didn't complete - Have savings of at least 2k! - didn't complete Am I annoyed I didn't complete some goals? no. I can try again!…
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Sorting my life out (again)
Blimey, it's been about 5 years since I've used this forum and my life has completely changed. 2020 = married, 1 DS, full-time job, debt-free, £9k savings 2025 = divorced, 1 DS, 1 DD, full-time carer for my DD who is disabled, £7k debt, £0 savings Luckily my debts are relatively small and 0% interest... apart from the car…
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Not winning anything.
Hey, I've been spending about 30 - 40 minutes a day for about four months now entering comps and haven't won anything. Is that about right? Am I just unlucky 😀 Thanks
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No Buying Unnecessary Toiletries December 2025
If your beauty and toiletries are taking over your life, then this is the thread to help you work through the stash and motivate you to not buy anymore (hopefully!) Welcome all newbies and regulars to this very friendly and chatty thread where we give lots of lovely tips on how to use up your stash and lots of support and…
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1% challenge 2023
Welcome to the new home for the 2023 1% Challenge - 100 ways to make your 1%. This challenge was started a couple of years ago by Little Miss Uni Debt, I started using this challenge last year and found it really helpful in focusing on paying off a more manageable amount at a time! I’ve copied below Little Miss Uni debts…
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The Frugal Hearth: Stories of Simple Living and Living Well
Hello, and welcome, one and all to my new debt free diary! My Journey I started my old diary at the beginning of 2020, a couple of months before the pandemic hit the UK and we went into lockdown. That diary can be found here…
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Less than 3 minutes 30 seconds
Well hello again Backstory: NTK received from OPS at the dreaded location of Broadwater Street West. CCTV images show car pulling in, passenger getting out, car momentarily stopping in a bay, car picking up passenger and then leaving. "Parking period" just under 3min 30seconds. Full timeline of all images from entrance to…
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E7 active period differs from billing period
While monitoring my energy usage I noticed that for the first 30 minutes my E7 (off peak) becomes active (Midnight - 00.30) I am being charged on the peak rate tariff not the off peak. As this is when all my appliances on off peak circuits start drawing power it's my highest cost of my E7 active period (Not tariff period).…
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2026 - 52 Week Envelope Challenge
Save £1378 in 2026! Welcome to the '2026' 52 week envelope savings challenge! This challenge ran the last couple of years and I have been asked to set it up again for 2026. It can really boost your savings pots and help with paying for Christmas, or a family holiday...anything you like really! It can be done wither with…
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Rest time between shifts
Is it legal for a triple split shift on a rolling rota to finish at 10pm and begin again at 7am the following day? One week Mon Tue Fri Sat Sun is worked, one week Wed Thur is worked.
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Dehumidifier
Hi all. I hope you're doing well I'm intending to buy a dehumidifier and I wonder if anyone has any personal experience of these contraptions. Which machine to buy and how expensive are they to run? Thanks , as always <3
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Deception by the sea, GXS Worthing
Hello again. The registered keeper received the following NTK with a number of additional images covering a roughly 5 minute period: The vehicle was temporarily stopped at the location to pick up a food delivery from a nearby outlet. On returning to the vehicle the driver saw an individual in a GXS shirt (driver also has…
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Christmas bonus
Hello everyone and hope you're all having a lovely Christmas!! I'm on Universal Credit and PIP and I'm sure I should be entitled to the £10 Christmas bonus this year but haven't received anything. I've had a search online and it said you should receive it the first week of December but not to contact anyone about it until…
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Received PCN from First Parking – POPLA Rejected – Now DCBL Letter for £150
Hi all, Looking for advice on my situation as I’ve read the newbie guide but want to make sure I’m on the right track. I've only just come across this wonderful website. Timeline of events - October 2024: Parked at my university’s car park (managed by First Parking). Tried multiple times to pay via the JustPark app, but it…
