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Making 2026 a debt busting year
Hi all So, DH and I have been in debt for years, mostly credit cards, and decided to make a real effort last year to start to clear them. The aim is to have them all paid off by the end of 2027. We have no mortgage but do have a loan for some for some work on the house which will be cleared in April 2028. We started 2025…
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Came across a ScamBlocker advert! has anyone else tried something like this?
came across an advert on Facebook recently for something called ScamBlocker and it caught my eye because scam calls seem to be getting worse, especially since our landline was switched over to VoIP. From what I can tell, it works by screening unknown callers before the phone actually rings, rather than just blocking…
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Mortgage-Free Musings: mindful money & FIRE focus
Time to start a new diary and try to post more to keep myself accountable! The numbers: Current mortgage: £279,586.61 on 1.74% fixed for another 6 years. Little to be gained by OPing so my focus is on savings and WIOTW (what I owe the world) and ATMN (amount to mortgage neutral). £55k stoozed, £78k in cash savings. ATMN…
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DCB Legal UKPC claim - blue badge holder - defended
Hi if any one can help me with this not quite sure how to word it on the form it mentions breaking down the costs that they are charging me but don't quite understand it if someone could explain this to me best way to say it I was actually parked in a disabled bay which I am disabled and went into a shop my blue badge must…
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Costa got my PCN cancelled at Tonbridge retail park
Just wanted to let you know that I successfully got my PCN cancelled after following your advice. Now hoping that I can help others out who have fallen victim to this. I got sent a PCN after parking at Cannon Lane Retail Park in Tonbridge on New Year's day to go to Costa. The charge said I was in there for 2hrs 59mins. I…
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Mortgage Free Plod
Hello MFWs I'm de-lurking after living vicariously through you all for a very long time. I've exchanged on my first house today! So now I'm a MFW too. My context: I'm a divorced, single mum (1DS). We'll be moving into a little 2-bed house with our moggy. I've taken out a 95% repayment mortgage over 27 years, which takes me…
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Consumer Rights Advice
Hi, I’m after a bit of advice please. I’ve searched but can’t find anything quite specific enough. Very long story short… we bought a car last year that has since required a new engine. The garage put in a used engine with 8000 more miles on the clock without our agreement and have offered a free service as compensation…
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Lloyds switch offer 6 January to 3 February 2026
https://www.lloydsbank.com/current-accounts/switch.html * How to get the switch offer To qualify for the £250 switching offer (“the offer”) you must switch to a new Club Lloyds Account, Club Lloyds Platinum Account or Club Lloyds Silver Account using the ‘Current Account Switch Service’ to switch from a bank account held…
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Parking Control Solutions LTD- Moorside Legal
Hi all, This is not my first rodeo but I have 3x LBCs totalling £1360 for parking tickets over 2/3 years ago I know the process, just wondering if I can 100% assume I will get a court claim for this? I know it sounds a stupid Q For context this was a gym I have parked in, and I have entered my registration plate late, this…
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Selling first home where to start?!
I have read all the MSE articles (this site helped me save and move out of childhood home on my own) but it seems to be about first time buyers or once you have found a house. The guides state sell you house first which is fine I live in a really east to sell first time buyers home is a gem really. What on earth happens…
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Creating the life I want - and tackling my debt!
Hello all, Years ago I had a journal, but back then, I was at home with my parents, trying to keep a business afloat that paid me a pittance. Moving out felt like a pipe dream. But I did. After closing my business down in 2017, I took on an entry level government job and worked my way up a couple of grades [so far] and…
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Sky Q same price as Sky Stream! - New House Set Up
Hi, They way my living room is, to have Virgin or Sky Q I would need to hide cable going across one corner of the room to another which is painful, and I'm keen to move in quickly. Therefore I'm going to steam, which I'm worried about as I watch live sport and don't want to be behind and I'm going to buy a new TV for £1000…
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Defending parking fine against ParkingEye/DCBLegal
Hello readers I'm new here and had a query around defence deadline. The claim I received on the claim form has issue dated: 30 June 2025. I submitted my AOS on the MCOL via my Govt Gateway account on 18th July 2025 and on 2nd August 2025 I submitted my defence via email, I suspect I didn't email my defence in time. Am I…
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RM causing issues again
I'm really getting frustrated at Royal mail as I once again have 2 INRs open, both items sent at the end of January, both LLs. One is a business sale so all I can do is refund the buyer, and because it was a low cost, to me, stock item there's no point in wasting time fighting for a refund from RM so I've lost the original…
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Parking Code evidence - your images of private parking signs are needed please!
This thread started life as a discussion about the DLUHC's Call for Evidence but EDITED 2025: Let's kick this off again in 2025 as evidence for the MHCLG for the Summer Public Consultation. We need evidence of private parking t&cs signs. If you take photos yourself, please show them as a screenshot to show the date a photo…
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PCM Apple Blossom Court - Two PCNs one week apart on Sundays, IAS dismissed, refused all settlement
Hello everyone, I hope someone can help me with this private parking issue. Here is my full story from start to current situation: BACKGROUND: Location: Apple Blossom Court, London SW8 (private residential area managed by Parking Control Management - PCM). Vehicle: (Removed by Forum Team) (my car, now scrapped). I am a…
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DCB Legal ParkingEye claim
Hi, Firstly thank you for all the information that has been provided within the newbies post, I have been following correctly for my own ticket. I received a letter of claim from dcblegal - I followed up with the email (i refer to your letter of claim...) from the newbies thread. They have now replied giving me 30 days to…
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Energy club cashback
Has anyone else had difficulty getting the promised cashback after switching through the energy club? I switched 14 months ago and I'm still waiting. I checked the energy club today to look at the latest deals and see the savings include the cashback. I've contacted the energy club and the response is that they have not…
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Tesco not honouring vouchers at the till...
I had an issue in Tesco yesterday. On a previous trip, I'd got a voucher with my receipt for a free product on my next visit. Yesterday, I put that item in my basket, checking carefully that it was the right product, right brand, size etc. It was. But at the till, it wouldn't give me the product free - it just knocked off…
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Elderly Customers Being Overcharged by BT
Hi everyone, I’m looking for advice and real‑life examples from others who may have experienced something similar. After reviewing my elderly father’s BT bills, I was shocked to find he has been paying around £53 per month for a landline‑only service. This is far above BT’s current pricing for far more comprehensive…
