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credit card STRESS
Hi guys, I am so stressed about what’s best to do… I currently have a 6k credit card which was 0% but now i’m paying interest on it. I have a 4600£ loan and another 800£ loan. At the minute i’m just about managing to pay what i can (loan payments and £100 a month on CC) but now the credit card is gaining interest I can…
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When should I start paying to debt collector
,Basic rule of thumb, if its defaulted, and gets assigned to a collector, you can pay the debt down if you want to.’ And when I cannot see default registered yet? But debt was already just passed to Wescot. Should I start talk to them or still wait and how long?
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Opinions on 1st Central Insurance?
Hello all. This week I have paid in full for an annual insurance policy with 1st Central as they provided a sensible quote, Defaqto ratings seemed to check out, and policy cover was within my requirements. The policy doesn't start until the 26th. I have since come across some very bad reviews about their practices, that…
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Job title
Can management view the rota changes as a necessary response to staff shortages, and could that provide valid reasons for implementing changes to jobs titles and descriptions?
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Progress not Perfection
Happy New Year! I thought it was about time I started a new diary. I've been on these diaries since 2008. My last diary is here Things
can only get better My first diary is here Champagne Lifestyle Lemonade Budget and the one after that here Looking for the Silver Lining. That's a hell of a lot of waffle over the years 😆…
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Garage conversion not done to building regs
To cut a long story short: We offered on a property where they converted a garage (or part of the garage, it's hard to tell) into a dining room. Essentially it's a DIY job from 20 years ago and doesn't have any building regs or documentation. It was advertised as a dining room. It's a 4 bed house and, without a dining…
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Parking Code of Practice Consultation 2025 - now let's see what happens
This was a thread to discuss these questions: https://www.gov.uk/government/consultations/private-parking-code-of-practice Let's see what the MHCLG do next.
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Agoda cancelled our booking and failed to provide alternative accommodation.
We booked 2 hotel rooms on the 28/9/23 for a stay in Singapore September 24. We have all out flights booked, tickets to the F1 and have spent a considerable amount of money.We received an email last week telling us they could no longer accommodate us and we either took compensation of $190.72!! Or allowed them to find us…
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McDonald's MET Parking Fine Registered Keeper Was Not Driving
Hi I was driving my partners car and met a friend for a catchup in McDonald's. I stayed 2 hours. My partner has just received a fine as the time limit was 90 minutes. Is it worth fighting this or should I just pay it? I wasn't aware of the signs, so it's my fault for not being more observant. I wasn't aware that food…
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Defence Help Needed - DCB Legal/Vehicle Control Services
Hello all, I've been reading up the forum quite a bit after I've received the NTK but unfortunately only after having made the appeal to VCS and they've now identified me as the driver. I've subsequently made a complaint to the landowner but they (hospital) dould not do anything with the car park being private land. The…
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Phone & broadband for elderly relative
Hi all, hoping someone can give us advice, we have an elderly relative coming out of hospital shortly, shes currently on virgin for a non subscription tivo box and unlimited home phone calls 36.00 per month which will rise to 42.00 over next 24 months. She uses her home phone a lot & ideally wants to keep the number in…
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DCB Legal Court Claim (on behalf of Smart Parking)
This dates back to 2021 when my hubby was parked at Tottenham Hale. He was working in one of the stores (he’s a decorator) and his vehicle registration was registered with the centre management for extended overnight parking. Despite this, he received a fine. We have been backwards and forwards with communications between…
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PCP Deal - Voluntary Termination whilst Vehicle with Main Dealer for Repair
Hi, I'll try and keep this as brief as possible... We have a 2018 vehicle on a 4 year PCP agreement (started in July of 2022) and have reached the point in the agreement where we are eligible for Voluntary Termination. However, the vehicle has been with the main dealer for getting on for 5 months now for a repair with the…
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DCB Legal defence preparation
Hello, Thanks to all contributors to the forum, I've learnt a lot reading the threads and found the info here to be pure gold! I am currently preparing my defence for a small claim received due to an unpaid PCN from Vehicle Control Services Limited through DCB Legal. Issue date of the claim is 04/12/24, AOS through MCOL…
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Manchester airport parking fine
Hi all, I’ve been looking at these threads for a few weeks now. I have an APCOA parking fine for not paying online within 1 day after dropping off at Manchester airport. Just confirming I can use the blue template in the newbies thread and that applies? Just want to make sure I have the most up to date info. Thanks
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NCP, member of BPA association parking fine for being in car park for 12 minutes (i did not park)...
I’ve had a ‘parking charge to keeper’ notice It is addressed to my husband, he’s passed it to me to deal with as I was the driver. I want to a car park and parked for as shown 12 minutes (13:45 - 13:57), in that time I unloaded 3 kids, went to machine, and could not make it work (a couple actually came by to help) they…
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Self employed small income and mortgages.
I’m 33 and have been a self employed gardener for around seven years. I currently live at home still with my father after a number of personal problems in our family I stayed at the family home. I earn around on average 12k per year from my gardening business which has been fine for me up until now. I love my job and am…
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Grant of confirmation - additional documents
Hi guys, I've been using some of these threads, predominantly those supported by @buddy9 to complete the c1 inventory form to help me obtain a grant of confirmation so that I can sell my late mother's house Both me and my brother are will executors with equal share of estate. The house is worth £75k... And moveable assets…
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MET Parking PCN - McDonald's Leytonstone
Hello all, this is my first post. Unfortunately, I received a ticket for leaving the premises. I was so naive to admit it in my first appeal to the company. Both my appeals then were rejected by the company and POPLA. I read other threads regarding fighting back points, however, I am not sure if I didn't mess it up already…
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Letter Before Action
Hello, I am currently in a Will dispute (defending the Will) and I have received a letter before action from the claimant (family member). In this letter the claimant has written a short summary of the dispute and has threatened to commence court proceedings without further notice if I don't agree to his demands but he…
