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Phasing out of Scottish banknotes in Scotland
There seems to be a new thing in Scotland now since end if last year where the cash machines only issue Bank of England notes now. I can’t see anything online about it. Have they now finished and we are moving to just one type of note?
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Deffered benefit pension scheme Fluctuations in growth
I have a deferred defined benefit scheme (final salary) which I have been receiving annual retirement quotations from on retirement income. So that I can plan my retirement accordingly. I have noticed that over the past 8 years, the value of my 25% tax free lump sum plus income, and 100% income option has gone up and down…
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Is there a list of who creditors sell debt to
Is there a generic list of which lenders sell their debt on and to whom? And which creditors use ‘in house’ collections? Which lender is likely to go for CCJ (or decree in Scotland) I’ve tried reading back through some threads (the search function on here is hopeless - or maybe it’s just me!) I’ve accounts with; Natwest…
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Economy 10 - EDF
EDF have almost doubled their off peak rates for Economy 10 from 1st Jan from 8.57p per kwh to 16.67p. Admittedly it seems that 8.57p was a very low price, but this is still a massive increase. As we have storage heaters the vast majority of our electricity use during winter is off-peak, which means that our annual bill is…
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Potential to buy a share of Freehold in 2 flat property?
If one has a leasehold flat in a block of 2, where the freehold is owned by a housing association - with the other flat being rented out, are there any rights to get part ownership of the freehold? My understanding is not, but I don't know if changes might be in the pipeline. The interest is because we'd like to make some…
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Notifcations
I log in , Im told, 10, 20, 30, whatever new post to a thread Im on, I click and it takes me back 5 or 6 pages, posts Ive read and replied to Ive clicked on " mark all as read" its still happening
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Another UKCPS No stopping charge at Leeds station - they even missed the 14 day PofA timescales
Evening all, Another victim of a UKCPS No stopping charge at Leeds station here. I've submitted my appeal, which felt strong given that the notice landed outside of the PofA timescales. Timeline copied from my appeal below:The alleged event occurred on 27 August 2025. The NTK was dated 9 September 2025 (day 13). The…
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Received a Civil National Business Centre Claim form
Hi, I received a parking ticket from dcbl whilst I was at a charging at a Tesla bay. Apparently I was meant to ‘sign in’ in the hotel. Parking charge was for £170.00, which I disputed in an email with the following: Dear DCBL, I am writing regarding the above parking charge. I dispute this alleged debt. I was using the EV…
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Compers Challenge 2026
Hope everyone is okay with me posting this, @lucinad usually is in charge of the challenge but they have been offline for some time now (really hope they are okay, and are just taking a break!). ALL credit for this fun challenge goes to Lucinad 2026 league January 🥇1st. 🥇 🥈2nd. 🥈 🥉3rd. 🥉 Booby prize (lowest value prize)💩💩…
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Can someone recommend a 5G router
I'm having problems finding a network that works at home and at my place of work so I'm thinking of buying a separate sim card for at home so can someone recommend a 5g router. I'm thinking of buying the TP-Link Archer NX500 but is this worth £220.
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+++ Divide By Cucumber Error. Please Reinstall Universe And Reboot +++
My third diary. <<<out of cheese error>> documented our debt free journey and then paying off the mortgage +++ Whoops! Here comes the cheese! +++ focussed on early retirement plans, and then my first year as a widow. This time I will be focussing on a positive new start in my brave new world. Final stages of renovating a…
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APCOA Parking PCN - Guildford Station Long Stay
Hi all, I've been reading lots of posts on this forum for the past few months, for personal interest, and now becuase a family member has a PCN... Basically I'm starting to doubt my self wether the wording of the appeal below was actually correct... My understanding at the time was the land the car was parked on is railway…
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Onestream increasing tech support charge
I’ve been with Onestream less than a month but would like to return to Plusnet as I can now get full fibre and the Plusnet package offers far more for less cost, and will probably be a better service. Onestream have sent notice that they’re increasing their tech support charge; is that grounds to avoid early termination…
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Liverpool Airport Parking
Travelling from Liverpool to Fuerteventura for 8 days in May. I always park next to the airport with cheap parking/park smart. But over the last couple of years the costs have soared. It's around £100 no matter what discount code I use. I'm coming back at 2am so don't want to be parking on someone's drive in the area and i…
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My Experience with Dial Direct Car Insurance
Following the following experience I have now had a sympathetic response from Dial Direct who will be investigating this situation and reporting back to me afterwards. Have also hade a phone call (which I unfortunately missed) to discuss this. Watch this space. I was already insured with Dial Direct and as I was buying a…
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Window cleaning
I stay in a quiet area facing trees and not much traffic I usually get a 4 weekly window cleaner but twice I switched to a new one who stopped turning up. Anyway there’s a few can sign me up some have 3 month minimum contacts and are more expensive. I am tempted to do a one off clean spring summer winter it costs more but…
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Pensions problems
Hi, Not sure whether this should be under pensions or probate as it’s both kind of. My dad recently passed away and left me as executor. He left me a list of his assets in which was included a large pension with Aegon target plan which he had got through working for United utilities. My dad was under the impression it…
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Aegon pension fund - fee overcharge since June 2020
For attention of anyone with an Aegon pension plan I have today received notice from Aegon that, from June 2020, Aegon took more than the 1% charge my plan was meant to be billed at every year. I do not know if this is a problem specific to my account, or everyone with the same plan. (I don't recall doing anything around…
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Utility room ideas please 🙏
Afternoon all sorry if this I a repeat thread but I couldn’t find where the last one went ☹️ We have this add on to the house we’ve almost finished updating. Currently has electric and cold water supple with drainage (needs updating though). How would you go about making it into a small utility room? We’d like to replace…
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Mass copy files to Azure Blob
Dear experts, we are looking for a way to send a lot of data from SharePoint to Azure blob. Basically we want to archive old files so we do not run into quota issues with SharePoint as it is getting very expensive. Anyone has found an easy way to do it. We need to be able to filter based on modified date as access date is…
