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Reduce payment on account to £0?
I'm self employed and in self assessment. According to HMRC I owe £1300 in January as a payment on account. Based on the last 6 months, I'm expecting to have income this tax year of between £5,000 and £9,000 (hopefully around the higher end!) from work plus about £1,000 in non-ISA savings interest, which I think means I…
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£30 voucher for opening Santander Everyday or Edge account
Credit to @goatfaced for bringing this up in the 123 Lite thread. https://www.moneysavingexpert.com/banking/compare-best-bank-accounts/#santanderedge Filling the form in results in a 'Something went wrong' message for me on Safari, but in Firefox it worked just fine. Closes tomorrow. New & existing customers. No switch or…
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The Case of the Overwhelming Mortgage
I’ve lurked for a long time. I have no-one in real life I can discuss these issues with and thought it might be helpful to get it out of my head and on to paper. I am mid 40s, married, with two pre-teen children. We moved in 2017, with a 20 year mortgage of £140,000 and interest of £10 per day. We now have a mortgage of…
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Nest or Now?
Hello! I would like to continue with my pension as a self employed but got two different pensions already created from my previous jobs: Nest & Now. Would like to unify them and just keep one. Any advice of which one is better or the best way to do this? Thanks in adavance.
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Cancelled Car insurance took money for 2 months and refuse to give it back.
Hi. EDIT: Sorry, A HUGE mistake in my wording lol When I say cancelled I don't mean I cannceled midterm I mean i stopped it from renewing. They sent me a new quote and it was 40% more than last years so i ended it BEFORE it renewed. I ended it/cancelled two weeks before it was to be renewed. It ended when It was supposed…
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Armtrac PCN Appeal Final Letter
Hello, I have looked through the Forums trying to find an answer before I post this, but there are too many and the helpful hints don't seem to cover our issue. We had a PCN for parking on Private Land. We bought a ticket and it has the right registration on it and the correct charge paid, but it was a windy day and the…
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Onmo APR increase
Just a quick heads up, Onmo just sent an email telling me that the APR is going from 34.2% to 47.99%. Wow. I am going to get shot of that, its just such a huge increase. I have had other credit cards previously and the APR has never gone up by that much. Theres a button to repay the minimum at my current APR and close the…
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Renault Battery Lease Hostage
Hi All, Ideally I'm after advice or suggestions. We own a second hand, 10yr old Renault Zoe with a leased battery. We're fed up of paying for repairs to the car, the suspension in particular breaks at least every 6 months and now the electrics are going. It needs scrapping, but before you do that you have to get out of the…
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Wedding Anniversary Present?
I've been invited to a wedding anniversary celebration. I was wondering what type of present I should get the couple, if any. To make it more complicated I don't know the exact spelling of one of the couples first names or the number of the anniversary (I would guess it's somewhere between 25 to 40). Looking through sites,…
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Parking vs DCB Legal
Hi All, I received a claim from DCB Legal in relation to a parking incident that occurred in 2023. The claim form is dated 28 May 2025, and I submitted my Acknowledgement of Service on 9 June 2025. I am currently in the process of preparing and emailing my defence document. On the day in question, the vehicle was parked in…
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credit card STRESS
Hi guys, I am so stressed about what’s best to do… I currently have a 6k credit card which was 0% but now i’m paying interest on it. I have a 4600£ loan and another 800£ loan. At the minute i’m just about managing to pay what i can (loan payments and £100 a month on CC) but now the credit card is gaining interest I can…
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When should I start paying to debt collector
,Basic rule of thumb, if its defaulted, and gets assigned to a collector, you can pay the debt down if you want to.’ And when I cannot see default registered yet? But debt was already just passed to Wescot. Should I start talk to them or still wait and how long?
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Opinions on 1st Central Insurance?
Hello all. This week I have paid in full for an annual insurance policy with 1st Central as they provided a sensible quote, Defaqto ratings seemed to check out, and policy cover was within my requirements. The policy doesn't start until the 26th. I have since come across some very bad reviews about their practices, that…
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Garage conversion not done to building regs
To cut a long story short: We offered on a property where they converted a garage (or part of the garage, it's hard to tell) into a dining room. Essentially it's a DIY job from 20 years ago and doesn't have any building regs or documentation. It was advertised as a dining room. It's a 4 bed house and, without a dining…
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Agoda cancelled our booking and failed to provide alternative accommodation.
We booked 2 hotel rooms on the 28/9/23 for a stay in Singapore September 24. We have all out flights booked, tickets to the F1 and have spent a considerable amount of money.We received an email last week telling us they could no longer accommodate us and we either took compensation of $190.72!! Or allowed them to find us…
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McDonald's MET Parking Fine Registered Keeper Was Not Driving
Hi I was driving my partners car and met a friend for a catchup in McDonald's. I stayed 2 hours. My partner has just received a fine as the time limit was 90 minutes. Is it worth fighting this or should I just pay it? I wasn't aware of the signs, so it's my fault for not being more observant. I wasn't aware that food…
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Defence Help Needed - DCB Legal/Vehicle Control Services
Hello all, I've been reading up the forum quite a bit after I've received the NTK but unfortunately only after having made the appeal to VCS and they've now identified me as the driver. I've subsequently made a complaint to the landowner but they (hospital) dould not do anything with the car park being private land. The…
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DCB Legal Court Claim (on behalf of Smart Parking)
This dates back to 2021 when my hubby was parked at Tottenham Hale. He was working in one of the stores (he’s a decorator) and his vehicle registration was registered with the centre management for extended overnight parking. Despite this, he received a fine. We have been backwards and forwards with communications between…
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PCP Deal - Voluntary Termination whilst Vehicle with Main Dealer for Repair
Hi, I'll try and keep this as brief as possible... We have a 2018 vehicle on a 4 year PCP agreement (started in July of 2022) and have reached the point in the agreement where we are eligible for Voluntary Termination. However, the vehicle has been with the main dealer for getting on for 5 months now for a repair with the…
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DCB Legal defence preparation
Hello, Thanks to all contributors to the forum, I've learnt a lot reading the threads and found the info here to be pure gold! I am currently preparing my defence for a small claim received due to an unpaid PCN from Vehicle Control Services Limited through DCB Legal. Issue date of the claim is 04/12/24, AOS through MCOL…
