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DoV to Remove S121 - Laws Changing?
Hi all, We bought a freehold house nearly 4 months ago and towards the end of the process the S121 regarding estate rent charge came up Our bank reviewed this and proceeded with giving us a mortgage which is fixed until Sept 27 We were happy with this as it gives us until then to sort a Deed of Variation removing the S121…
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USA Buyer
A buyer in the USA has tried to buy one of my items but is unable to do so. I have checked and I am registered for the GSP. Is there a ban on selling to USA after Trump's tariffs, or am I missing something?
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365 Day 1p Challenge for 2026
This challenge has been running for a number of years and is so popular I have agreed to run it again in 2026. If you wish to join please post on this thread and I will allocate you a number which should be quoted when you update on your progress. You can do this either using cash in a jar or virtually by transferring to a…
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Bank Park, DCB LEGAL court claim
I have received the
various bits of correspondence over the last few months from, DCB and now DCB
legal regarding 2 parking fines from over 2 years ago, which I never received from
the original parking firm because they went to my old address after I had moved. I have refused to pay
the fines because I totally dispute…
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Credit Score effects by moving money from a main account to a saving account with the same bank prov
Hello folks, I hope you all good. i would like to ask simple question which I can’t find a answer for it. I’m debt free since 2023 June. I managed to save up a couple of thousand £ on my main account. The same time I opened a new debit card for £500 limit to improve my credit score. Before when I opened debit card £500 my…
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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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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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DCB Legal and Euro Car Parks May 2023 - Court Claim form received
Hi. First can i say thank you to all those who post and regularly comment on this site, its really appreciated when on the receiving end of one of these scary legal letters, to know others have been through all this and seen them off. I find it appauling that they are allowed to abuse the Court system in this way, in…
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Received a text from dept collector but NO PCN received!
Hi all. A little advice on how to proceed with this would be much appreciated. I only found one similar case using the search thingy but that involved council controlled parking so was a little different. To set the context I drive a dirty great LWB T350 Transit which we use for work and it doesn't really fit in a standard…
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2016 prius plus 60k miles 15k
Is it woth to buy 2016 prius plus 60k miles for 15k ?? Should I give in for toyota service as the service history may be a bit dodgy cause two services done on Toyota. its reg at nov 16. Toyota can replace battery in case of any issues or I can retrun the car in case of major issues reported by toyota ? is it a good plan ?…
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Retirement Village in Breach of Repairs Contract?
Hi My Mum lives in a Retirement Village, where she shares ownership of a bungalow. In December she had a burst pipe behind the kitchen units. She has a RepairsPlus contract for which she pays £43.99/month. An engineer came out & repaired 2 sections of copper pipe, which were badly corroded. It transpired that whoever had…
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Additional Dwelling Supplement (ADS) taxes based on main residence status
I have a couple of questions around the Additional Dwelling
Supplement (ADS) taxes in Scotland, specifically regarding my situation with a
co-owned property in England with my ex-partner and a rented flat in Scotland. Main Residence: I’ve been living in a rented flat in Scotland for the last 2 years, but I occasionally…
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What do I do? harge back paid but now the bank wants more evidence
At the beginning of January I made a dispute with a Chinese company for selling a CD player to me. I was unaware when ordering that it would be coming from China as the web page ending co.uk. I provided evidence the bank put the money back into my account three weeks ago but now the bank wants more evidence and they may…
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Waterproof repair tape
We have a plastic rainwater downpipe which has cracked due to having frozen, what is the best waterproof tape to wrap it with to make a temporary repair?
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Claim Form Help
Hi all. My wife received a claim form. If you google the opticians and read their reviews, many people have had the same problem, she literally pulled into the space for a minute. In the past, it has gone this far once and we used one of them companies who charge £50/£60 and fight it who won. However, this time I’m not…
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Iceland Rip-off
I made an online purchase from Iceland which came to £84.25 and after the 3 for 2 offers it came to £69.69. I then had a voucher for £15 when spending over £40, bringing the price down to £54.69. One of the items was out of stock (Baileys iced yule log at half price £4) but NOT included in any of the 3 for 2. They have…
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Virgin Money messed up my Direct Debit
Here's the updated question: **"I recently disputed a Direct Debit amendment with Virgin Money. On 12 January 2026, I updated my Direct Debit details, but the payment due on 15 February 2026 was processed using my old details, resulting in a missed payment and removal of my promotional rate. Virgin Money's response (letter…
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There and back again...reducing the mortgage to manifest our forever home
Have been a long time lurker on MSE, and DP and I bought our first house together in March 2025 with a mortgage of £190,000. Had many plans for overpaying, what we wanted to get done however life has had other ideas so starting a diary for the first time to try and help me keep on track. We did manage to OP £3500 in 2025,…
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Parking in Disabled - Mcdonalds
Hi, I have received a notice to keeper from MET Parking services for parking in a disabled parking space at Mcdonalds. The driver at the time was told to park up and wait for their food. The car park was busy and the waiting bays were taken up. The driver parked in the free space which happened to be a disabled parking…
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Parkmaven Parking Charge Notices
Wondering if anyone has had dealings with Parkmaven. I am permitted to park in the precinct car park as I work in the supermarket there. Unfortunately when I changed my car shortly before Christmas I forgot to update my registration number on the Whitelist (exemption list) and received 6 parking charge notices. The first 4…
