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Paying some off mortgage
We are with First Direct on a fix at 3.08% til January 2028 when we should be in a position to pay off the remaining mortgage (circa £120k). We are saving hard to do this and we both now have the £20k each in a cash ISA at just under 5% we opened July this year and around £5k sitting in our joint account which will be…
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2025 Fashion On The Ration Challenge
(The Fashion On The Ration Challenge is about restraining our shopping impulses and buying the clothing we need as well as what we want. As @Laura_Elsewhere said "If this group is about anything, it's about understanding how we buy and what we buy and when we buy...". We use the original, 1942, clothing rations.) ---------…
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Santander Mortgage Account Fee
We currently have a 5-year fixed deal with Santander that's about to end, so we're looking at new deals. I'm struggling to understand whether the £225 account fee that Santander charge applies each time you move onto a new deal (in which case, it's enough to incentivise us to look elsewhere) or else only applies once so…
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Are we nearly there yet?
I've been on these forums for nine years (according to all the messages I got from MSE Badger when I signed back in after a few years break), so it's been nine years that I've struggled with money. DH and I entered our 'living together life' with £2k worth of debt, and I remember thinking we'd never get out of it. It…
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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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Solicitor insisting on Land Registry DJP before completion - necessary or overly cautious?
Hoping for some expert advice on whether my conveyancer is being appropriately cautious or unnecessarily delaying our purchase. Situation:
Buying a property where both previous owners (tenants in common, Form A restriction) have died. Executors have grants of probate and are selling. The Dispute:
Our solicitor says a Land…
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Should itsthelittlethings spend less on coffee?
Hopefully this works as an all new diary for me. Will add my debt into my signature and keep track of how I do going along.
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Council refuses to allow grave stone inscription
A couple of years ago my father died and I asked the undertaker to arrange a new additional horizonal grave stone to be added to an existing vertical grave, with my father's name on it. This was swiftly done. This year my mother died and I asked a local stone mason to add my mother's name to the new stone. They asked me to…
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A new chapter, An empty nest, Drama school & Last year of Uni
I've been on these boards for many years and a long time ago did start a diary when we'd had a windfall and cleared some debt and I'm not sure what happened but 'life' got in the way. Today starts a new chapter of my life as my youngest has just left home (albeit temporarily) for her to access a drama course in a different…
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Tesco Credit Card - clubcard number not recognised
I just received my new Tesco Credit card. I have tried to link this with my existing clubcard account. However, the clubcard number at the back of the credit card is not recognised. I have already asked for a replacement credit card, but they just sent a duplicate. i spoke to tesco customer service and clubcard CS but…
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Moving on with things
I have debated posting this for a few days or so. One of the main reasons I wanted to post an update is because recently I said goodbye to my car for good having made the decision to lease another electric car through my business. A decision I simply think I wouldn’t have made without having been on here. My wife and I are…
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CCJ - BANK PARK Help!
Hello, I parked in a private car park september 2024 - I had a young baby and was rushing / overwhelmed. I accidentally put my car reg rather than my husbands but PAID for parking. Got a ticket, I showed proof of payment - they sent to a legal team. DCBL tried to only discuss on the phone - showed proof of payment, they…
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N1SDT - Driver observed leaving site UKCPS
Hello, Long time lurker received a parking fine in March which I now have this claim to defend. Just wanted to ask for some advice on my defense. - There is no photographic evidence of the driver leaving the site—only images of the parked car and signage. - The signage is unclear, conflicting since the site hosts three…
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Euro Parking Service - Fine at Fuel station
Hi All, I know that my case is nothing new but i am struggling to find the right forum and way to appeal. I recently visited a BP fuel station, and realised i did not have any cards on me and my Apple pay was not set up. I parked up on the side to avoid blocking the fuel pumps. The area i was in has poor signal, so i went…
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Newquay Airport Parking POPLA appeal
Hi folks, Firstly thanks for all your documentation and efforts to make this area easier to understand and navigate. It's a minefield and I absolutely hate how it feels, so I'm grateful for your help. I was issued with a PCN via a NTK for an alleged parking infraction at Newquay Airport - I was not the driver and at no…
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Letter from CNBC - G24 Limited.
Good Afternoon I received a letter from CNBC regarding a parking offence which they claimed G24 has taken me to court. I have since read the forum provided by @Coupon-mad on how to respond to them. I have since submitted AOS via Mcol website and also submitted my defence as well. Today, I have received an acknowledgement…
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Lease car defence
Hello, it would be great if someone could help. Having received a claim form from HM Courts & Tribunals, I have just done the AOS and am now doing my defence letter from the template. The date of the fine was 20/01/20 in a G24 carpark. Previously the carpark had been free, and I didn’t see any new signs. As it’s a lease…
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DCB Legal LTD Brocklebank Retail Park
I've recieved the usual claim form, have done the AOS and am now at writing the defence stage. This is for "overstay" using Greenwich retail park. I was unaware that there was a time limit if you were a customer of the businesses there until I received the fine. I didn't notice the time limit on the signs there or I would…
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UKPC - Invoice for parking outside my Gym in Chessington, Surrey
Hi All, Hope you can help. I'm disputing a parking charge with UKPC for an invoice for £100 sent to me on 24/03/24 marked "Final Notice (RE: Notice to keeper)" where they claim that the driver parked my car in a private part of the trading estate outside of my gym at 1820. - This is the second one in a month; (I did pay…
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Civil Enforcement Ltd - POPLA Appeal Help - Invisible Signage at Night
Hi all, I've read the Newbie thread and followed the advice so far. I'm now at POPLA stage with Civil Enforcement and would appreciate any feedback on my draft appeal before submitting. Background Operator: Civil Enforcement Limited (BPA member) Location: Great Western Hotel car park (Southwest England) Date of…
