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PCN for overstay in Retail Park due to blown tyre - challenged - POPLA say I have to pay!
Dear all - I am hoping someone can assist me with the best way forward. I have checked the newbies post and I have won a dispute previously but this situation is slightly different. My car had a blown tyre and limped into Farnborough Gate Retail Park. In short I had to get 2 x new tyres which resulted me going over the…
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UKPC Appeal Decision
Sorry to bother you all with something you've heard before.I looked at the guides at the top of the forum and couldn't find the answer. I had a PCN from UKPC about staying longer than I should have by 13 minutes. Then I got a Final reminder letter with increase to £100 2 weeks later. Since receiving the final remainder, I…
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Reading on a kindle or tablet
Hi all I hope you're well I have a kindle e reader....just the basic kindle, purchased 2021, which I love. BUT I cant afford to keep buying books, nor can I afford kindle unlimited each month. Also, I'm now not a huge fan of Amazon :) So....I've joined a couple of libraries and downloaded Libby. Super! However, as I'm in…
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Away From The Madding Crowd
Hello and welcome to my little part of this wonderful MSE
community. For almost 10 years I have read
the contents of various forums seeking advice and inspiration regarding a
multitude of subjects. The help and
knowledge that I have gained cannot be underestimated and there are literally
too many people to thank…
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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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10 years to go .... maybe, with a fair wind
Hi, I've been lurking on here for years, but finally decided I should post a diary - more for my own sake than anyone else's!! So a little about me and my house ... I'm a 40 year old single mum with a lively 7 year old son. We live in a fairly ordinary terraced house on the edge of a large northern city, just a close walk…
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Spouse moved out. Bill-split?
Hi all - looking for advice as opposed to judgement after the painful split of a relationship that wasn't working and only one party was willing to communicate. My spouse has left our marital home. We each contributed 50/50 to household bills e.g. to the tune of £2000 per month. My spouse has also withdrawn £1000 from the…
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+++ Whoops! Here comes the cheese! +++
My original < < < out of cheese error > > > diary started in 2017 and records our journey to be debt free, mortgage neutral and then last year (hurrah!) mortgage free. This new diary is to record our current focus on my efforts to retire early. Lots of cooking, some gardening, many cats and the occasional Pratchett quote.…
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September 2025 Grocery Challenge
NOTE: This is a temporary thread Hi... I'm creating thread because we weren't sure where our regular mod was so a couple people supported me creating the September thread. This is meant to be temporary until we get back on track. – JingsMyBucket ------------------------ Welcome to the ninth Grocery Challenge of 2025! As…
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Court claim form recieved - Parking Eye - please review my response?...
*Hi all - please review my response to court claim form - thankyou kindly!* *Situation: I have recieved an HM Courts & Tribunerals claim form from Civil National Business Centre, Northampton. It appears raised through money claim online. The Claimant is Parking Eye. The solicitor is DBL Legal. I am the keeper. I will not…
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Outstanding credit card debt - now in a care home.
Good Afternoon, A family member of mine has moved into a care home. He has little income after fees et al, no savings and a 12k credit card debt over 3 cards. He tells me that a family member has phoned the individual credit card providers, explained the situation and has their agreement to cancel the debts. To me, this…
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Covered call options
I came across Schroder Income Maximiser OEIC while planning a retirement income portfolio. It uses covered call options, which the KIID describes by "To seek to enhance the yield, the investment manager selectively sells short dated call options over individual securities, portfolios of securities or indices held by the…
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Collective November 2026 switch
Hi, my current British Gas tariff is fixed till 1 May 2026. If I switch to the Collective November 2026 Cheap Energy Club tariff I will know close to exactly how much I will save till then, 1 May 2026. I am wondering, how does the MSE Program calculate my savings from 1 May 2026 to end of November 2026? That is 7 months…
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TSB £180 Switch and Stay offer (30/09/2025 to 09/12/2025)
New Switch and Stay offer from TSB. T&Cs. This offer comprises two parts. Part 1: The switch part Before 9th December 2025: - Submit and complete a full switch request to either a new Spend & Save or Spend & Save Plus account or to any existing TSB current account (except the under 19s current account). - Make a minimum of…
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NRAM/UKAR
I'm hoping for advice. I found out that in 2012 I received a remediation applied to a together loan. This was applied as a credit to the loan, not issued to myself. However that remediation has been reclaimed in the high SVR rates on the loan and the mortgage. I have been advised that it has to be applied to the loan. This…
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Good and Bad Buys at Lidl and Aldi stores (***Please don't expire***)
This is the new Lidl and Aldi buying thread. Please report any good/bad deals, good/bad offers and good/bad products. The old thread can be found here https://forums.moneysavingexpert.com/discussion/5960153/good-and-bad-buying-at-lidl-and-aldi-please-dont-expire#latest
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Car Insurance charged £355 extra for claims that weren’t made?
My car insurance said I didn’t add on 2 claims 1 from 2022 which was just a notification to insurance saying van had gone into back of me but no claim made? other was this year 2025 my partner (additional driver) sold campervan, 2 hours later buyer had accident and made a claim but sale was still going through. so now on…
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Transfer of assent letter of adminstation query
My friends mother passed and I am completing forms AS1 and AP1 etc to help out. I have a letter of adminstation for his mother but checking the title deeds his father who passed away decades before is still on the deeds. I assume I would need another letter of adminstation for his father, can you confirm this please.
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Newbie here I’ve
I have an Iva and just started my last year(ends September 26) I have recently had a letter from HMRC saying I have a refund for Tax Credits from 2016/2017,it will be paid to me in the next 20 days. My Iva started in 2021( I’m with Payplan). Do I have to give it to them,it’s around £3000.i phoned them but they don’t know…
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Undervalued house for probate
“We, as joint executors, have undervalued our late mother’s estate by £60k because the house sold for that much more than expected. The estate is being distributed only between the executors. There is no inheritance tax due because my father predeceased our mother and she has his allowance. Do we have to pay capital gains…
