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Letters of administration / poers of probate
My mother recently deceased. Are they the same thing? Her bank has requested this is this something I apply fo myself or should i use a solicitor?
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can you change delivery address for ALL future deliveries .. EVRi / DPD
Is there a way to change ALL future deliveries from EVRi and DPD ? There is a local website and almost on a daily basis there are stories of parcels being photographed at unknown places and buyers just left astonished as to where their parcels are located. I have had similar cases too. Late last year I had an email from…
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HMRC Tax Confident Website
I have just come across the above-mentioned HMRC Website which aims to help people understand the tax system. Since I’m retired I was intrigued to see a specific section entitled ‘Savings, investments and tax in retirement’. I tried to post a link the website but it won’t let me because I haven’t posted to this Forum…
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Lack of ISA knowledge - help
Hello all, I bank with Santander and have two cash ISA’s with them that are out of the fixed period so are currently at 1%. The balances are £21,243 and £48,472. I plan to invest my £20k limited before the end of this FY but was wondering what the best option are. I would like to keep it all with Santander but don’t know…
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Claim by Gladstone Solicitors/Parking Solutions 24 Ltd - (advice appreciated)
Good morning! I hope everyone is well and thank you for responses in advance. Key facts Claim form Issue date - 11th Feb 2026 We need to acknowledge Service by the 2nd March 2026 Write up a defence by the 16th March 2026 Claim form (redacted) attached I've been reading the threads for a few weeks now in anticipation of the…
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Experiences of Freetrade?
I started an ISA with InvestEngine a year ago for tucking away spare money, separate from my pension savings. While I like the offering from them, ease of using the app and obviously the low cost of investing, I can't shake off an uneasy feeling about their reliability. For example, they pulled their new Life plan managed…
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Car dashboard tablet
So my car is ka 70 reg VAG brand and the dashboard tablet has two buttons "Menu" & "Home" the menu button stopped stop working as it ran out of warranty. I heard if I nget an auto electrician report which proves it didn't last a reasonable length of time (known fault) the Garage I got the car from should replace it FOC…
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Water Ingress?
Hey everyone, Went to see my Mum (and Dad) yesterday (as I'm sure millions of others did too!) and she asked me to have a look at a couple of walls in her house with marks on. It was worse than I had thought, so I did some investigation myself, and asked Gemini. I'm just hoping to get some actual real human input and…
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Voluntary National Insurance for Self Employed Low Earner. Handholding needed please!
Hi all I'm sorry to have to come and ask for help, but my eyes go fuzzy and my brain clouds over when it comes to stuff like this! I've been self-employed since Sept 2025. I'm well under the threshold to pay through self assessment (I think! - I've earned under £2,000) so as I understand it I can pay voluntarily. If that…
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UKPC , DCB LEGAL court claim
Hi Forum, I'm back again with another PCN—this time for parking slightly outside a white line. I've already submitted the standard template appeal to UKPC, which was unsurprisingly rejected. They've now issued me a POPLA code. Would it be worth proceeding with an appeal to POPLA? If so, is there an up-to-date template I…
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Stansted mcdonalds county court
I was the registered keeper of a car that recieved a penalty for this car park however i wasn't the driver. My daughter was driving and had parked at the medium stay car park across this site. As she left the medium stay car park the car started shaking and so she pulled off the roundabout to the mcdonalds car park. Here…
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Dreaming of being Debt Free
Hi. Like many people, I've been lurking in and out of these rooms and the main website, dreaming of being debt free. I've been living in debt since I went to uni. To put that into perspective, almost half my life. Ive tried many times, and come close, sometimes a run of bad lucks set me back, children being born, or…
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Zopa letter
Hi, So a repayment plan I was on with Zopa for 3 months has just come to an end. They have sent me a letter today (dated 17th Feb) informing me that "my loan will soon go into default." But then it also says "Get in touch today to avoid a Notice of Default." So does this mean it's in fact a notice of arrears and I have…
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Fresh Diary for 2025! & Carrying on for 2026
Hello those who follow along! Last year goals; - Get debt gone (didn't complete) - Buy my house - COMPLETE - Meal plan/prep - Sort of - Cut out Coffee (I gave this up on 22nd November 2023) - Didn't complete - Have savings of at least 2k! - didn't complete Am I annoyed I didn't complete some goals? no. I can try again!…
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MSE News: Martin Lewis: Simple 'Share Once' service needed for people with mental health problems
People struggling with their mental health need a simpler way to tell banks, energy firms and other providers that they need support – with the majority currently missing out on extra help due to how daunting the existing process can be. That's according to new research from Martin Lewis and the charity he founded and…
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Garador Garamatic 9 Series 3 - issue.
Hi. This is this type of door opener: The actual motor runs fine, and responds to the remote. However, the belt doesn't engage with the presumably-toothed pawl in the mechanism in the boom. I've switched repeatedly from the locked to unlocked position, which it does smoothly. When 'engaged', I can hear - just - the sound…
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C1 Scotland Inventory
I have done a Scottish C1 Confirmation submission but I'm encountering hurdles getting the format of the C1's inventory accurate and theres nothing online with which to compare. The Sheriff is knocking it back due to 'formatting' issues and HRMC, when questioned (given it's their form), tell me they can't help and I need…
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Evri delivery services does not pay on time
Hello, I lost my job and a friend in the gym told me about working as a delivery driver. As his company (a subsidiary of Amazon) pays weekly So I searched and found a delivery company a subsidiary of EVRI called AH Logistics I joined Feb 13th and was told. Payments are monthly on the 15th as a self employed driver. Using…
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SIPP and LISA fees
Hi, I currently have a SIPP with Fidelity, in ETFs, so I pay £7.50 a month in fees. My question is, does it make sense for the £7.50 to come out of my SIPP or a CMA. From my understanding if I pay it out of my SIPP, I put £6 in, get the 25% (£1.50) uplift to make £7.50 and pay it with that. However, if I pay out of my CMA,…
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Karen Millen refunds now paid as gift cards
I have just made a return to Karen Millen (I was buying a dress for an event and ordered a few options to try) and rather than receiving a bank refund (it was paid by bank) they have sent me a gift card. Apparently the default refund for all returns is now gift card and you have to change your details via their non…
