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Energy efficient heating advice
Hi - we recently moved into a barn conversion property and are now considering our options for upgrading the heating solution and would really appreciate some advice from the experts on here. Relevant details are: - conversion completed in 1980s - solid stone walls, no additional insulation - open plan downstairs (6.5m x…
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Nobody to sign passport photos, anyway out of it
I would like and really need a passport. Due to ill health I haven't been able to travel so haven't ever had an adult one (only child one was when I was on my mother's old passport) but I have a chance to go away this year. The thing is, I have nobody to sign my photos. I looked at it before and gave up as I had nobody but…
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Bankruptcy and Help to Buy
Hi Has anyone gonna bankrupt and managed to keep there help to buy house??? It’s just I have read that it breaks the rules and they can call in the loan. Tried to call help to buy but they can’t answer what would happen as i need financial/legal help. when i explained no i just want to know as long as we can keep up…
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TV licence - Netflix
I have cancelled my TV licence as I don't watch live TV, and thought because I do watch Netflix I was ok because of the advice MSE provides. However, I have received yet another letter and checked on the tvl.co.uk website and that says you need a licence to watch Netflix. Is MSE advice wrong, or have I misunderstood it.…
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Dispute with tradesperson. Looking for advice
Hi everyone, I’m looking for some advice regarding a dispute with a tradesperson (electrician/plumber). We paid him via bank transfer between October and November 2025 for a mix of electrical, plumbing and plastering work at our property. The payments were made in stages as the work progressed, rather than in one lump sum.…
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ECP /DCB LEGAL COURT CLAIM 3
I missed this one.. hands up, just couldnt keep up. I have some discontinued, some that appear to not have been follwed up, some that went wrong and had to be corrected, and yeah, i just missed it. POC are mirror image of the others, AOS sent 13-08-25 Can i ask if the template defense including cause of action…
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HMRC - Lack of communication and income tax due.
I have tried to register with HMRC but all efforts have so far failed. I've tried writing to them but no response. I've tried ringing, but they simply keep me hanging on the line after numerous automated questions to put me through to the correct department, then the endless wait to speak to a human being, and the wracking…
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ii - selling part of a fund and buying other funds
I have some cash, cash ISA and S&S ISA in my ii account. I am looking to sell part of my OEIC S&S ISA fund and also looking to buy 3 - 4 fund with the sale of this S&S ISA. I would like to know when I am selling this fund whether I can buy back more than one fund during the same transactions or do I have to wait till the…
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Prepping: the new world...
Thought it was about time for a new Prepping thread... Please keep it on topic, friendly and realistic for life in the UK (i.e. no hurricane basements, no guns, no politics). For those that don't know, the Guides & Scouts among us will be prepared, but are the rest of us ready? IMPORTANT NOTE: this thread is a resource for…
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MSE News: Energy firms to trial ‘low or no Standing Charge’ tariffs from April – here’s what we know
Four energy suppliers will introduce 'low or no Standing Charge' tariffs on a trial basis this year, regulator Ofgem has confirmed to MoneySavingExpert.com (MSE). The firms taking part are British Gas, EDF, E.ON and Octopus. We don't have all the details yet, but here's what we know so far… Read the full story:…
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Air to air heat pump?
Hello everyone. I’m in the process of renovating a 1950s 3 bed semi, and my priorities are insulation and heating. The current heating system is old storage heaters, and immersion for hot water. I’ve been researching different heating systems for a while now, and would appreciate any input to help in my decision. I’ve…
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Parking charge for failing to display Blue badge
I'd be most grateful for some advice on whether I should contest a parking charge issued for failing to display a blue badge. It was a genuine oversight - a disabled passenger suffers with incontinence following a stroke and in our rush to get to the nearest toilets we forgot to display the blue badge. A notice to keeper…
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Smart Parking - POPLA check
I'll keep this as concise as possible, as I think I'm pretty clear on next steps thanks to the main thread. Just a couple of outstanding questions. CONTEXT I paid for parking in a Milton Keynes car park - managed by Smart Parking. Had some issues with RingGo, but finally sorted payment (180 minutes). I thought I'd…
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PCN by Parking Control Management Ltd. Appeal failed as third party representation, next steps?
I received a Parking Charge Notice at an Airbnb flat from PCM (Parking Control Management Ltd.) for "Parked without clearly displaying a valid PCM UK permit". Except it was on the dashboard in such clear view the warden took several close ups of it! We appealed, and on advice not to name the driver (me), the company has…
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PCN reminder before further action - CEL
Hi all, Looking for some advice on a parking charge I’m currently dealing with. I got a PCN from Civil Enforcement Ltd for a visit on 25 October 2025 at a village hall / football ground (Clapham, Bedford). The reason given is for "exceeding the notified maximum free parking period of 2 hours without obtanaing a permit".…
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UKCPS PoFA received - behind Leeds Railway station
Hi, I have read the NEWBIE forum/posts and I am still unsure on how to appeal this, or if I even should! I received the below PoFA (NOT non-PoFA, which is confusing me based on reading other threads...) on 17/12 for stopping on the yellow lines behind Leeds Railway station/opposite the multi-storey on 10/12. They have 3…
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DCB legal defence, Eurocarparks - Paragraph 3 check please
Hi - I have received the standard claim form from Europarks via DCB legal, for overstaying in a free car park longer than the maximum time allowed This alleged contravention was dated 04/05/2023. Claim form issue date was dated 19/03/2026 AOS submitted on MCOL 30/03/2026 Based on SoftwareMad’s document, I should have 33…
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71 Year Old OAP Trying To Get My Money Back From Wren Kitchens
Hi, I hope I'm posting on the right board, if not, perhaps someone can direct me to the correct place? I paid in full for the units back in January 2025, almost 16 months ago. I'm a 71 year old OAP Wren had a New Year sale 40% off, is not a big posh expensive kitchen, cost £4,631.41 with 40% off, just wanted to replace my…
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Letter of claim
Hi all, i need some advice. I received a penalty charge notice from Smart parking almost 3 years ago in June 23. I moved house in Dec 2023. This week, in April 2026 i received a letter of claim from Dcb Legal demanding i pay £170. This was for parking for 19 mins, at the Cat & Fiddle pub in Macclesfield, while i checked if…
