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Defaulted Lloyds & MBNA debts – no contact since 2025. Should I wait or reach out
Hi all, I’m looking for some guidance on the best next step with two defaulted credit card accounts. Lloyds and MBNA both reported defaults on my credit files in July 2025. After that, I made an affordability complaint to the Ombudsman. The Ombudsman issued a final decision in early 2026 and didn’t uphold my complaint, and…
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Court Claim received UKCPS/Moorside
I’ve been chased by these chancers since 2023 when I allegedly parked on a car park next to a KFC in Sheffield. It had all gone quiet for almost a year but note I’ve got a Claim Form for the £170 charge (plus interest), £35 court fee plus £50 legal reps cost. I had previously appealed but that was rejected, and now here we…
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Court after failed POPLA appeal
Private Parking Claim – App Fault Defence – Advice Needed I have received a County Court claim from Civil Enforcement Limited for £285.85 relating to a parking incident at Market Street Lane Car Park, Blackburn on 28 January 2024. The facts: I parked between 13:30 and 14:43 and attempted to pay for my full stay using their…
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Court claim form - Gateway House
Hi All, Apologies I can see there is a plethora of posts and threads on this subject, but as its important to get these things right and I can't find a post identical to our circumstances I'm going to appeal to the experienced members with newbie patience. Individual circumstances are as follows. Don't recall ever…
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LHV Bank not being recognised
Has anyone else had problems with LHV personal account not being recognised by other UK banks, namely HSBC and Chase? I have been trying for a couple of days to set this up as a new payee without success, keep getting payee account details invalid. I have double-checked the sort code and account number are correct. Have…
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PCN on Free car park at GP surgery during appointment as a patient
Got a PCN from Civil enforcement ltd because I forgot to enter my reg when I parked at my GP surgery car park reserved for patients to attend an appointment. I provided proof of appointment so they reduced fine to £20 which I refused to pay cause this car park was built for patients use and CEL were supposedly brought in…
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Sashybo - Back Again
Hi all, has been a good long while this time since I've had a diary, think this is number 4 overall. My last diary can be found HERE. Current debt now under 10K. :j This is mostly made up of loans we had to take out to cover the negative equity of the flat we sold a couple of years ago. I must admit we have slipped…
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Santander switch joint with very poor credit
hi all not sure if anyone can give any advice on this me and my partner have a halifax joint. My credit history is poor. 4 credit cards defaulted Will santander let us open a joint? My partner credit is good
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Roller blinds and open windows
If you need some fresh air but you don't want sun light or at night time, the roller blinds tend to bang against the window frame which can be annoying! I found on Google that you could purchase some type of clip to "cushion" the bang but they seem pricey! In the interest of MSE and DIYers….what do you use to prevent the…
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AVC help please
I’m selecting an AVC with my employer through Prudential and have 2 options to consider. (I’m 16 years away from retirement) Either the default option which is Prudential with profits fund or the lifestyling option of Prudential Dynamic Growth. Any help would be appreciated as I’m baffled!
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Swagbucks 2025
Might as well have a new thread for a new year!
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ecp + starbucks = court (help needed)
Hi all — hoping for some help with a DCB Legal claim (ECP) after a Starbucks drive-through visit I’ve read the NEWBIES thread and I’m now at the stage of preparing my Defence. I’d really appreciate some guidance on what points to include. Background (brief): * I was travelling for a medical training day and stopped at…
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My DMP diary - 2026 (year 1)
Well… inspired by others I intend to chronicle my own journey through the DMP maze. This is the year I turn 50 and I can't juggle these plates any longer. I earn enough to pay my bills and my debts but there is nothing left for contingency, household or family emergencies, holidays, days out, gifts, car repairs, vet bills…
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PCN Court Claim DCBL
Hi, I received this claim forms this morning regarding a PCN that was issued in 2022. I have a picture of the sign on the car park from that time which i've attached. These signs werent changed until around 2023-24. I think they may not be compliant. An email was sent to DCBL in June stating the driver details, and these…
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What are these connections sockets/units
They were here when I moved in 15 plus years ago. One is outside and other inside lounge. Are they related.
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PCN – - Rental Car - No Permit – Residential Parking Lot
Good Afternoon, Apologies in advance for a longish post. I've received a PCN in connection with a hire car that was parked in a residential parking lot adjacent to a block of flats, one of which I rent and reside in. I have lived here for about 6 years now, spanning 6 rental agreements, and none of them make any reference…
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Saving for Christmas 2026 - £1 a day
Welcome to the 🎄Saving for Christmas 2026 - £1 a day🎄 challenge. So many of us have enjoyed doing this challenge over the years, so here it is again. A bit late starting this one as still not heard back from kdalwayskint who normally runs this challenge, so thought I'd get this one underway before we get too far into…
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My Off-grid and need to be frugal diary
New year, new start - trying to save in 2025.
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A bit urgent please
Short precis Seat belt light came on as leaving Frimley Park Hospital. stopped to check ok and left. Got letter from UKPC now doing an appeal ..last date to submit is Thursday.Mater keeps asking questions and i keep changing the appeal. Now he thinks it is too long When there taking pictures found several other anomalies…
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The Archived History Of Regular Savers Thread *** NO CHAT***
Welcome to this thread The main purposes of this thread are three-fold: * To provide a list of current and historic regular saver Ts&Cs. * To serve as an archive of when key changes to The Top Regular Savers Discussion Thread and the accounts listed on it were made. * To serve as a defacto no-chat regular savers thread to…
