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Al Rayan enforcing minimum balance in accounts and closing immediately
A couple of days ago (14-May), I received a letter (dated 30-April) from Al Rayan informing me that unless I increased the balance of my two Everyday Saver accounts by 30-June, the accounts would be closed automatically and the funds sent to my nominated bank account. The minimum balance for these accounts has steadily…
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Webs on apple tree.
These are a couple of pictures of what look like webs covering many branches on my apple tree. I have done a search but wasn't sure what to do with them in the UK. Could anybody help please
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End of contract refund.
Hello, Can someone explain in detail why suppliers are allowed 6 whole weeks to generate a final bill, and are then allowed ANOTHER 10 days to issue a refund? So thats actually 7 weeks and 3 days the old supplier could hold your money, when the new supplier you've just moved to wants a direct debit payment UPFRONT. Must be…
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15 free hours @ nursery
My 3-year-old attends nursery 2 days per week. He started in November and the nursery sent me an invoice which I paid. In the new year I realised that we (and indeed, anyone) are eligible for the 15 hours of government funded childcare (we're not eligible for the 30). I pointed this out and they said they'd stop charging…
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RBS/Natwest Switch Offer from 17th February 2026 to 28th May 2026
New switching offer from RBS/Natwest https://www.rbs.co.uk/current-accounts/switch-your-bank-account-to-rbs.html https://www.natwest.com/current-accounts/switch-your-banking-to-natwest.html Looks to be the same terms for both How to get £150 1. Open a current account and switch to us Apply for a Select or Reward account…
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Signed PCP agreement but not due to start for a few weeks. APR has now dropped, can I get new rate?
Hey all, As per the title, I signed a PCP deal last week for a used car that won't be available for a few weeks, so the loan isn't due to pay out/start for a little while yet. Meanwhile, the representative APR listed on their website dropped on Monday so I asked if my deal could be moved to that rate but the dealer seems…
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Secure Parking Solutions - failed appeal. Do I have hope?
Hi everyone, (using ChatGPT to make this easier to read) I’m looking for advice on a private parking fine I received shortly after moving into a new flat. It was issued by Secure Parking Solutions (SPS), and while I’ve already appealed and been rejected, I’m now deciding whether to escalate it to POPLA. Here's the full…
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CGT - finding fund values from 2005
I sold some Jupiter Responsible Income funds recently which were originally Old Mutual Equity Income Fund when I acquired them in 2005. I've googled and it says I should be able to find out the historical price on Trustnet or HL but I'm not having much luck with either website. Can anyone tell me how to find out this info?…
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Hilton Garden Inn - Heathrow T2 - Euro Car Parks - POPLA Stage
Recently, the drop off here has now been changed to chargeable at Hilton Garden Inn at Heathrow Terminal 2 (T2), so I am sure many drivers (especially private hire drivers) will be getting PCN from ECP. So thought I'd share my progress in here to help other people, as well as my friend here who has got the PCN. My friend…
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Gifting from an inheritance
Hello, I'd be grateful for any thoughts/pointers on things to consider on the following. I am the sole beneficiary of a friend's will. He had an adult daughter that he is estranged from who he was adamant shouldn't receive anything. He did say though it was up to me if I decided to give her something. I am planning to give…
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My name is registered with wrong surname. Newlyn Enforcement
Hi Everyone, I live in midlands and always have. However, my name is registered to a property in Manchester with correct first name but a different surname. I have contacted council various times to say that it is incorrect but they keep passing me to newlyn and newlyn is saying that as long as any part of your name is on…
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(I'm a parent) Student loan question
My daughter has a conditional offer to get into uni. At present, it's looking like she may not get the required grade in her main subject to take up her place. What happens with her student loan application if that is the case? Is it cancelled? Do we have to do that or is it automatically done? Would she be able to able to…
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Gambling website refusing withdrawal under £10 and unable to deposit
i won a little under £10 from a free bonus on a gambling site that I hadn't used in a while. Their policy is that you can only withdraw a minimum of £10. Falling just below this, I thought I would top my account up and then withdraw straight away, however I then realised that the card on my account was expired and upon…
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La Dolce Vita 2026
Good Morning My Lovely Friends. Welcome to the new thread. Alas the budget for 2026 will be as tight as ever but I'm determined to live La Dolce Vita. What a glorious morning. Sun streaming through my bedroom window as I lounge in bed, what a lovely way to start the day. I watched the sunrise whilst drinking my coffee and…
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Lebara - Dreadful!
On Thursday 22nd may I received three emails from LEBARA with a PAC code. I hadn’t ordered one and assumed it was a scam. On Friday 23rd the number was ported out. It was never received. That same day attempts were made to transfer money in my bank account, to India! Coincidentally the call centre is there! The bank have…
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DCB LEGAL Smart Parking claim, post mediation stage
Another Leter of Claim received! (Previous thread was for another PCN on May 2025 with DCB which was dissolved). This is such a waste of time! This one is 90 free minutes over stay in Bridge Green, Prestbury 16th Feb 2024. I did not get any PCN or notices, until Debt collection letters cam through (ignored) then LOC 21st…
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Postage and packaging and using pre-paid labels
Sold a couple of books recently in auctions. They went for £1 each which was what I'd listed them for, so kind of disappointing, but I'd added £2.94 to each to pay for postage and packing. They both went to the same buyer and I printed off the pre-paid label and posted the package. I expected to receive payment for the…
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IKEA Custom Worktop Dispute
Hello, I am looking for some advice re: an issue I am having with IKEA. I purchased a kitchen online via an IKEA advisor using the IKEA finance provider, Ikano Bank. We had a virtual consultation to design the kitchen in early October 2025, with further tweaks made here and there via email before the final order was placed…
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Smart Parking / DCB Legal claim – draft defence for review – defence due 8 June 2026
Hey - looking for some help on a claim I’ve received. Details below. Any help would be greatly appreciated. Thanks. Summary Claim form received from DCB Legal acting for Smart Parking Limited, issued 06/05/2026, claim number N6KF0F64. Alleged contravention 16/07/2022 at Tower Road Car Park, Newquay – insufficient paid…
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Parking Charge - 7 Minute Stay
Hi all, Would appreciate some advice. i received a £100 parking ticket from Parking Eye for being in a store car park for 7 minutes while the store was closed. The context is that I thought the store was open until 10pm when it in fact closed at 8. The 7 mins elapsed while I drove in, parked, walked to to the door to check…
