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Everyone is selling up their flats should i?
Hi there i live in a big apartment complex with around 8 blocks of apartments. i checked with neighbours, the land registry and estate agents and the only block everyone is selling their apartments are in my block. Some are also selling for less than they origionally paid for? If you were in my position would you sell your…
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Chip Savings Deposit Warning!
Good morning everyone, I count myself as tech-savvy but have to admit that this went over my head a little bit with Chip. I have a Chip account and have used this for a few years now - no issues. Loads of deposits and withdrawals - all pretty instantaneous. Obviously read about their new instant access saver at 3.15% on…
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PCN from NCP - company car - wrong reg used to pay
I would like to take your opinion on my situation: - A company car - NCP car park - It was a new car. I used the app to pay for parking, but I mistakenly used my old car registration number that was saved on the app. - I received the PCN- I think that the car park company contacted my fleet management company and they gave…
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What to do with windfall - negative equity, needs lease extension, jointly owned with ex
Hi all, I jointly own a flat with my ex. It's leasehold with only 64 years left on the lease. When we split up, we were in negative equity and couldn't afford to extend the lease or sell, so I've continued living here and paying the mortgage myself, while she rents elsewhere. Money has been tight for both of us - she's on…
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Buyers surveyor undervalued our house
Hello all,After being on the market for one year and three months, we finally accepted an offer on our house. The asking price was £280,000 and the offer was £270,000 as we know the exterior render requires some attention. We agreed to settle on £273,000 and a sale memorandum was sent to the solicitors. the buyer arranged…
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If I have contacted Debt Recovery Plus can i still ignore the letters?
I know I should have read this forum before contacting them but can I still ignore or dispute the appeal despite having talked to DRP. Like most people I see on this forum I didnt get any letters from smart parking and now I have DRP saying I have missed 2 of their letters too. I got this ticket from my friend not putting…
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Trying to sell a retirement flat.
I have been attempting to sell a retirement flat that belonged to my Mother before she died. I am having the most awful time trying to get a buyer for it. In fact, it's a minor miracle when we actually get a viewing for the flat. The block in which the flat is based has had a fairly bad reputation for a while. It had a…
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FIRE Girls Pension Diary - Aim High & Dream Big
10 year targets are set and I'm aiming high and dreaming big. :) A bit of background. When I was young I grew up with a family of 4 children, Dad worked and Mum stayed at home. We had very little material things or new clothes and I remember I was always dreaming of how I could possibly become a millionaire. So why not…
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Away From The Madding Crowd
Hello and welcome to my little part of this wonderful MSE
community. For almost 10 years I have read
the contents of various forums seeking advice and inspiration regarding a
multitude of subjects. The help and
knowledge that I have gained cannot be underestimated and there are literally
too many people to thank…
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House valuation is less than needed to pay fees, no savings. What do I do?
Me and my ex are needing to sell the house due to the separation. To cover the fees of selling the house would need to sell for 10k more than it has been valued. The house is a new build, only been here for 1.5 years. The developer is still building for another 2/3 years. Obviously, you buy new builds at a premium, and…
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Difference between Letter of Concern and Performance Improvement Plan
As the title suggests, would a PIP be the logical output following a Letter of Concern so the two are intrinsically linked, or are they total separate entities? Would an agreed improvement plan following a Letter of Concern be automatically classified as a PIP? I understand though that a PIP can be issued without a Letter…
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Renting – Early Termination – Joint Tenants
Quick question...(private rental via agency)What happens
if half way through a tenancy the relationship between two joint tenants breaks
down, and one person wants to stay in the property but wants the person who’s
left to still foot half the bill. What happens if the rent goes unpaid – or only
half paid?
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Reducing savings to avoid paying for care.
My Mother is currently housebound and has 2 carers 4 times a day. This is rapidly reducing her savings. I understand that she can’t give her savings away or suddenly by cars or jewellery etc, and the council will see this as fraud. However her kitchen and bathroom have not been updated in many years and now need…
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Transfer of equity - can't figure out the legal/accountancy services we need
Hi all, I'm currently a guarantor and pay 50% of the mortgage on the property my partner and I live in. We have a joint buyer, sole proprietor mortgage. For various reasons we now want to do a transfer of equity and make us equal owners. The mortgage company are fine with it as I'm already fully on the mortgage. They just…
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Refund Method after 30 days for Faulty Item
Hi All, This is my first post so thank you for reading. I bought an item on 11 Sept 2025 for my husband's anniversary gift. It was a cashmere hoodie that has now developed a huge hole along one of the seams. I have contacted the retailer and sent a photo and they have agreed the item is faulty/sub standard. They won't…
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Nifty November's No-Spend Days challenge!
Welcome to Nifty November's No-Spend Days Challenge! This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change…
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UC Review Experience Questions
Hey, what was everyone’s review like? Anyone have more than 6k at the end of AP but it worked out less with your deductions such as income from work etc.
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Debt Recovery Plus - Luton Airport drop off - (£25 "goodwill") 6th reminder
First post here - read most on Newbies thread, most on PCNs... But there was no PCN, but the 5th and 6th reminder from a debt collector! Background story: back in July 2025, I dropped off my mum at the London Luton Airport, where they installed a new no-barrier system and got caught by forgetting to make the online payment…
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ESA/ loss of income
I currently get new style esa I'm in the support group. I am going to get personal injury compensation which I understand will not affect my ESA. But I am also going to get past and future loss of income will this affect my ESA? Thank you
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Public sewer
Hello, I'm in the process of purchasing a property and the drainage search has shown that there is a public sewer running through the garden of the property. Have attached the picture from the search here. As you can see, it looks like this runs under where the property has been extended and also slightly across where we…
