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Private Pcns whilst supposedly on whitelist
My son cleans windows at various pubs where he is told he is on the parking whitelist. He recently discovered that 19 tkts had been issued but because he hadn't updated his v5 went to a previous address so he was unaware. He has submitted a sar and we now know they have all been escalated to debt companies and is a small…
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Pursued by Moorside Legal
I would value advice on my case with Moorside. This is the latest correspondence received from Moorside…. We write in response to your email below. Our answers to your questions are as follows: * The additional charge which has been levied on your Parking Charge of £70 is the amount set out in both the British Parking…
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Stepchange DMP
Hi all, Totally new on here so apologies in advance if these questions have been answered elsewhere! I entered into a DMP last August with Stepchange after getting into debt following losing my job. The questions I wanted to ask are as follows: 1. Was it a good idea to enter into a DMP or should I have managed it myself -…
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Next spotted attempt at identity theft fraud
I received out of the blue letter dated July 24th from Next thanking me for a credit card application which I did not make. When I telephoned customer services to inform them I did not apply for a Next card they put me to the fraud team and the fraud team informed me that someone attempted on July 24th to purchase in my…
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New Mortgage for Home Improvements
Hi, all I paid off my mortgage a couple of years ago - but now I need about 40k towards putting to home improvements (extension and new kitchen). I was looking at a personal loan but I just hate the monthly payments (too high) - so I thought I will take a mortgage out with my current bank (HSBC - which has a top mortgage…
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Attendance Allowance and Guaranteed Pension Credits
So my father has recently been accepted for Attendance Allowance over Christmas, since he has a cancer diagnosis and a 6 month prognosis... I was pleased he was able to get this, He also is on a state pension and my parents recieve pension credits (before the rules changed and made it so the wife now has to be pension age…
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Attendance Allowance/Pension Credit
Hi Can I pick your brains please. I have a friend who is on State Pension plus a couple of small works pensions. She has too much to get Pension Credit. She has a number of health issues and I helped her get lower rate Attendance Allowance. I put her details into one of the benefit checkers to double check I hadn’t missed…
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Having plates made for a car when private plate is put in retention
Hi. First time posting, with a specific question on the process of transferring a private number plate that I can’t find answered already. I’m about to put my current car’s private plate on retention, ready for it to be assigned to a new car that I take delivery of in around a month. My understanding is that using the DVLA…
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civil service DB increased lump sum
Hi all. New to this site, but not to MSE. Is there a simple answer to the question of whether or not to take an enhanced lump sum (80% increase) in exchange for a 20% drop in my monthly pension in my DB pension. I wasn't aware I could get an increased lump sum, so I'm in a quandary. I am approaching 60, when I can take my…
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The Archived History Of Regular Savers Thread *** NO CHAT***
Welcome to this thread The main purposes of this thread are three-fold: * To provide a list of current and historic regular saver Ts&Cs. * To serve as an archive of when key changes to The Top Regular Savers Discussion Thread and the accounts listed on it were made. * To serve as a defacto no-chat regular savers thread to…
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What else can I invest in
Hi All, Looking for some suggestions I am in my late 30's. I have * Investments: £190,465 (S&P 500 index fund) £132,000 in ISA. * Cash & Savings: £179,804 (Chip, Tandem) * Premium Bonds: £50,000 I have about £106,000 in my pension currently and have increased my contribtuion to £2696 per month. I am a higher rate tax…
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How to find a decent spray foam removal firm
We are currently trying to find a Spray Foam removal company who will do a decent job and not cost a fortune! They each seem to be saying that whoever we have previously got in to check the roof out, or spoken to, are cowboys! No idea who to trust now. Spoke to The Spray Foam Advice Centre, who gave us names of 2…
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Awning installation, avoiding brackets?
Hi, today I received a quote from an awnings installer. He said that in my case i would need side brackets because almost certainly the top area of the kitchen extension under the gutter contains steel and we can't add holes that would weaken the structure. Do you think that it's true? Thanks.
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Removing rust on cast iron drainpipe
How should I remove the rust on my cast iron drainpipe? Someone told me to buy Kuruste but I have also seen Hammerite rust remover gel. Is there any difference? Thank you.
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Life insurance with mental health issues.
Hello, I'm trying to find life insurance for myself, but I have mental health issues which I've been upfront with to the insurance companies and brokers, but it seems nobody will insure me. I have just purchased a house and I would like a small life insurance policy that will cover my mortgage should I pass away. Are there…
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Contribution ESA
I am on contributions based esa. I also have a privite pension that has been declared. My husband and I want to borrow some cash from our house for house repairs. Is that ok to do?
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Charging Order? The myth
I feel that this is so important that I thought a new thread should be made to highlight the importance of understanding the law on Charging Orders and how many people are stuck with their property in the false believe that they have had a Charging Order put on their property. In particular the thousands of Northern Rock…
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DCB legal Letter of claim
Hello Im so sorry, I've found lots of posts on here about this subject but I'm still a little confused. I previously received several letters asking for payment of £170, by DCBL, for parking or stopping in a disabled bay but ignored them as advised by a friend. I've now received a Letter of Claim from DCB legal, saying I…
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Washing machine - glass door explosion!
The inner glass on my LG washer/dryer exploded into the drum whilst on the last spin of its cycle! The glass splintered into hundreds of multi-sized shards of glass which shredded my clothes and embedded into fibres. I was washing a small load (a couple of towels and one set of clothing) on a 30 degree normal wash. The…
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Inheritance tax form IHT400
I appreciate I am asking lots of questions on this Forum about Probate etc, and really appreciate any advice. My mother's assets are less than £500,000 and are left to me and my sister. When I open the IHT400 form to fill it in, it has a box that comes up with 'do you need to pay IHT? If not, then close this form'. I know…
