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Loan repayments from my partner and tax
Evening all, I will be lending my partner £20,000 to pay off debts. I have researched how to create a loan agreement and carefully considered whether to go ahead after lots of frank conversations. My remaining questions are on how to organise the repayments of £350 per month over 5 years. Could someone confirm I will be…
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Virgin Media bundles
I took out an 18month virgin media broadband and TV bundle for black Friday 2022. Its due to come to an end. I currently pay £38pm but it is due to explode to >£180pm for the package I have (virgin TV with all Sky Sports and BT Sports), netflix, disney plus. Clearly I don't want to pay the £180pm. When is the best time to…
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DCB LEGAL RECORD OF PRIVATE PARKING COURT CLAIM DISCONTINUATIONS
A UKPC/DCB Legal pattern is now emerging, the same as the Highview/CP Plus/GroupNexus/DCB Legal pattern that has evidenced itself over the past few weeks. * Court claim issued * Defence completed * Hearing date given * Witness Statement deadline dictated by the court * Phone call from DCB Legal to defendant * Email to…
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Advice on dcblegal
Long story short, a family member has been hounded for a pcn on a sold vehicle. No evidence of sale and was a delay in notifying dvla. Said vehicle was also not registered by new owner. Have responded to lbc and requested 30 days PAP. This has been ignored and claim form issued a week later. Is this worth pursuing. Only…
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Victory!! DCB Legal discontinue Court proceedings
As many others have done before me I would just like to thank everybody involved with this Forum and report another victory as I today received notice that DCB Legal have discontinued Court proceedings as predicted in the forum. Please see formal notification attached.
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Walsall Council PCN
Hi All, I recieved a PCN from Walsall Council for ‘parking’ in a carpark after 6pm. The PCN states the warden observed for 1 minute. There was no 10 minute grace period allowing for signage to be checked etc… My car along with two others were simply unloading for a funeral and as such were not ‘parked’ therefore should not…
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Airline Pre-Booked Seat Refund
Hi all, I have had the misfortune of my travel agent going under and ruining my holiday for April. I booked a package holiday (ATOL) protected and received my flight tickets. I then went online and purchased pre booked seats for all 9 passengers. A short while after we made contact with the travel agent to confirm when our…
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Delay Repay: Cancelled, so took an earlier train?
My intended train was cancelled because of infrastructure problems. An alternate valid train was about to leave when I realised this at the station, so I hopped on it. But had I not been so lucky, I would've been delayed nearly 50 minutes. I will have scanned my tickets at both the departure and arrival station. Is my…
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HMRC Late Payment Self Assessment Penalty Notice
I was late in making payment to HMRC for what I owed through my self assessment. It was due on 31st January 2026 and I paid on 2nd February. I called HMRC and asked them if I would be charged a penalty for this and they said yes £100. I asked how will I know when I have a penalty, do I need to keep checking my online tax…
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Walking into another chapter ...
Welcome one and all ... to those of you who have managed to avoid my diaries until now as well as those loyal ones of you who have stuck around over the years, thank you :) So another year is about to begin and now seems as good a time as any to start a new diary. This will be my 11th (I think?), I've been around here…
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Quote to get kitchen redone. Does this seem reasonable?
Hi all, My partner and I recently bought a house and we are looking to get the kitchen redone (the kitchen is quite small, 2x3 meters). We've received this quote for the work (excluding the kitchen units, flooring, and tiles). We’re in North Yorkshire and just want to check if this seems reasonable to people who have done…
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Help To Buy Charge on Land Registry
Hi guys, We completed our Help To Buy Redemption last December however until now we haven’t received the confirmation that the HTB charge from the Lamd Registry has been removed. It’s been two months. We can’t proceed with remortgaging with HSBC until the charge is removed. How long does it usually take to remove it? Our…
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Bold leap into retirement
Morning all, I hope you have managed to find some time for yourself in what can be a busy period. We have enjoyed spending time with family over the last 3 days, it’s a quiet one today, then off to visit more family tomorrow. I’m not planning anything wild for NYE, but have been really starting to think about what I want…
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Help with TfL PCNs please
Hello I noticed that most if not all threads in this sub-forum are about private pcns but I need help with public pcns. I have 4 pcns from Tranport for London - 3 illegal turns and one bus lane. I have a ble badge due to mental health and honestly didn’t see any signs but the bus lane one I thought I was at the end of the…
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Advice on Drawdown (currently Vanguard) please
Hello I took VR last summer, so am now retired. In the new tax year I intend to start drawing on my main DC fund with Vanguard. I don't want to take the 25% tax free lump sum yet (though may do so for all, or most of my DC pots at some point) Looking at the vanguard website the option for regular payment is "Flexible…
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Mock tudor facade advice
Hello, I’m hoping someone may be able to offer a bit of advice. I’ve searched the forum but haven’t been able to find any similar situations. We moved into our property in March last year. The house was built in the late 1980s and has a mock Tudor façade at the front, which incorporates the entrance porch and a first‑floor…
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Chase bank accounts on shared phone
My wife and I share our main mobile phone and have a really old one for emergencies or if I'm out by myself. Is it possible for both of us to set up and manage Chase bank accounts on one phone? We already have my wife's set up and I'd like to open an account myself. The old phone is not compatible and I don't really want…
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Danske £200 Switch Offer (Starts 29/01/2026) - NI only
A new Danske switch offer is now available. T&Cs. No end date announced yet. What you need to do: To open a new Danske Reward, Choice or Freedom current account you must be resident in NI.
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Vent - Top Cashback annoying wrong router price
Looking for a new broadband provider, went through Top Cashback compare, worked out the best for me: However there is no £2.95 per month router rental, their lowest is £4.95 Top cashback at the bottom: Slightly frustating as I now have to look again and will have work out the costs myself over a 24 month from each…
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How quickly do Big Energy Switch options run out?
Evening all, I'm currently with Octopus on their Money Saving Octopus promo tariff. The tariff does have a £25 exit fee per fuel, however the new British Gas tariff is about £120 cheaper per year compared to Octopus (shocking to me, but I assume Octopus are no longer the great deal they used to be in the past) A couple of…
