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Success in court today! VCS / DCB Legal case Private parking retail park
Hi, just wanted to let this forum know about a victory for the little people! In court today, I successfully defended a claim for over £270 plus costs. It was dismissed on what I guess is a technicality, basically they were not compliant with the POFA which states that every point * must * be complied with in order to be…
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Northwest Parking Management / DCB Legal
Hi All, Firstly, a big thank you to you all who volunteer your time/expertise on here - it's very much appreciated and I have learnt a whole lot in the last 7-days of reading up. I've found the scare tactics and intimidation a disgrace and willing to stand up to these awful charges for what was, I'm led to believe, 15…
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Avoiding higher rate tax
I would like to check my understanding of tax and pensions using a real life example: Simon receives £50,000 of pension income each year (£26K p.a. DB and £2K p.c.m. drawdown of DC).This brings him very close to the 40% tax threshold.He has already triggered the MPAA. Simon has potential to earn up to £10,000 per year…
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yougov.finance bribe
It's one of these almost-too-good-to-be-true stories, but it is true. First mentioned by @Bridlington1 in the Natwest Regular Saver thread, but I reckon this deserves its own thread as it could be of interest to those who have at least 10 current, credit card and savings accounts and not everyone reads the Natwest RS…
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British Gas Customer switch to MSE Collective Nov26
Hi. I'm currently a British Gas customer on a fixed tarrif v63 April26. MSE have offered me a slightly cheaper tarrif Collective Nov26 which can save me around £80/year. When I try to switch within the MSE Energy Club I'm asked for all my personal details including bank account information. It's as if I'm going to be set…
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Car Finance Commission - Ford Credit Europe Response
I have just emailed my complaint to Ford Credit and immediately got a response saying - "If you have not yet made a complaint to the Ford Motor Company Customer Care Centre, please contact them on the below methods, as we are not able to raise this complaint on your behalf." So do i also have to reach out to the above for…
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Esa support group to UC help
I am my daughter's appointee and have done the form for UC under migration. She has no photo id. It came up and said we would get phone call now I have an appointment at jobcentre for me not her with a list of what's needed and I also have no photo id. I can't get to the jobcentre I have hurt my back and can hardly walk…
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You won't have to repay your credit card balance?
Hello everyone. With my work, personal health and then a family member seriously ill my finances took a hit. I went from living on credit cards to finally being unable to pay them. I wrote to explain my situation and complain about the constant rises in credit limits which shouldn't have been applied. After basically being…
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Transitional protection payment when migrating from ESA to UC
Hi I am the appointee for my daughter who does live in Supported Living. I have just completed the swop over to UC for her as she is unable to do this. We have no problems with Housing Benefit as this is paid by the Local Authority. However, on my daughters first statement the amount she has been awarded is lower than what…
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USS - best options when a terminal diagnosis is received?
Hello A friend has a terminal diagnosis and is seeking to maximize their USS pension. Does anyone know what the potential options are because time is limited. Thank you.
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Lloyds Bank Rebranding
I couldn’t find original thread so if there is one please point me to it thank you! My app was updated to the new logo (early This year) along with my Debit Card! The website & Order statements section has been update (Early This Year) Just Very Recently PDF Statements has the new Rebranded logo on it! Here is picture…
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Small Building Societies - good for awkward situation?
DD and her partner have found a property they'd like to buy. He has a Lifetime ISA, and it seems that there's a good chance that they could get the nominal price to be £450k. However, he is currently a PhD student, so on a stipend. Even though he earns more than DD (who's got a "proper job") the rules that lenders work on…
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First time buyer, low income
Hi all, I'm relatively old to be a FTB as I'm 42 with 3 semi grown children. We live in Scotland. We currently rent our flat from a private landlord and have done for the past 13 years. Lately I decided that as I was settled with my job etc that id like the security of owning a home plus we have sort of outgrown the flat…
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TV licence Threatening letters in new flat.
My son has just moved into a new flat and there were loads of threatening letters to the occupier of the flat about no tv licence being registered to the flat. He is a student and only has student loans and savings to live on, I can't believe students aren't exempt but that's another issue. My wife thinks he should just…
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Big Motoring World £750 EV offer
Hi All I purchased an EV from Big Motoring World with PCP finance to take advantage of the £750 offer they have. T&C here https://www.bigmotoringworld.co.uk/news/make-the-jump-and-go-electric-with-this-limited-time-offer/ I'm happy with the car, but only took the finance to get the discount. This was a few days ago so I'm…
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Can an GIA become negative?
I have recently done a referral on Monzo for a GIA. Basically they have given me £10 for free to invest in their GIA. Very straightforward. I don't really care about the money so I am just ignoring the account but my question is.. can this account actually go into the negative making me owe them money? I know that stocks…
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Omaze £10 prize can only be used to buy more tickets?
I recently decided to try Omaze for a few months with a £20 monthly subscription. Since February I've won two "£10 prizes", but each time it is impossible to claim it as cash, or even use it to reduce the next month's subscription. The only option I'm offered to use my "prize" is to buy more tickets in the next draw. This…
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O2 mid contract price rise and plan termination
Hope someone can help. I changed my data plan with 02 on Friday. Unbeknown to me my device plan for my phone and watch were terminated. To cut a long story short I have now been sent an Enforcement and Termination letter giving me 14 days to settle the bill or face legal action. I have spoken to someone on Monday who…
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Do I need to inform that I don't need a TV licence?
So last year I filled out the thing online & told them I don't need a TV licence. Job done so I thought. Shortly after they send a big guy knocking on my door. To be fair to him he didn't come with an attitude so I politely told him I wouldn't be letting him in. And this was the end of it ... or so I thought again. Last…
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More GOV.UK incompetence
It is actually now impossible to change your driving licence address and V5 online, or presumably via any other method. I've just moved house and thought - admittedly in contradiction to all experience of public service interactions in the UK - it would be a quick process. Two hours on and the only information I've managed…
