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Removals companies
Our house sale and purchase are currently underway with searches in progress at the moment from both parties. Starting to prepare for moving day in terms of researching removals companies and costs vs hiring a van and doing it ourselves. As I’ve never moved before and I’ve never needed a removals service, I was wondering…
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Claim Form - Moorside Legal Services - UKCPS
First off I just want to say thank you for all of those involved in the creation of this forum. By reading through these threads I have gone from being in an absolute state to having the confidence to fight back against this practice. Onto the matter at hand, I have recently received my letter of claim for an alleged…
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ELMS Legal AOS stage - 8 of 10 signs in car park missing
Hello Have kept on putting this off, but also seems like some of the advice is that
it is only when I receive the letter from the Courts and Tribunal Service,
requiring Acknowledgement of Service that action is actually required. When the car was parked I submitted an appeal that was rejected by email
(rather than the…
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Moving from pension credit to state pension
Hi, just wanting to know anyone's experience when pension credit ends and state pension starts. The situation at the moment is my partner claims the old state pension - pension credit is paid for me as the younger partner under the old rules, in jan 2026 I turn 66 and can claim the new state pension, I understand that we…
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NI Top Up Contributions: Computer Says "NO" (not needed), but mysterious reason why!
I’m an Irish national (Rep. of Ireland), and have lived in the UK since 1987, when I came here to study, before starting working here (and contributing Full Years to NI in 1989-1990 and every year subsequently until 2020-2021). When I was lucky enough to be able to retire, just before my 61st birthday in 2022, I checked my…
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Gardening in a drought
So this is a part of the forum I don't visit often! I'm much more at home talking about ISAs :) There are threats of drought and hosepipe bans given the recent dry spell. I collect rainwater but my barrell is already almost empty, which I have never known this early in the year.The forecast said we were due some rain…
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CEL court claim 2025
Hello, After numerous letters that I ignored as per the newbies guide being no action till court claim - I have today, received the Letter before action from Civil Enforecement (www.ce-service.co.uk) with a PAP which "requires me to respond to this letter" - 30 days notice. I have read other posts saying I need to respond…
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Growing new grass with having dogs
Hi all, Has anybody ever grown new grass seed in their garden whilst having dogs. If so how did you do it? what was the fastest way to lay the grass seed how did you keep the dogs off the seeded area and is there any specialist seed that can be bought to be more tougher against the dogs urine? Any help would be most…
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Confusion between Churchill Essentials Car Insurance and Churchill Car Insurance?
What is the difference between the 2 apart from the £50-£100 price difference? Is Churchill essentials 3rd party cover only? Also I read the MSE guide on car insurance and it says in the guide if you type your driving license number on the price comparison sites then you get a cheaper quote, can anyone confirm how much…
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Any viable options or suggestions please?
Update: Just a “thank you” to everyone who responded, certainly responses and pointing to related threads provided different ( & broader) perspective 🙏 Given the unearthed DB also has an embedded widows benefit I’m coming to conclusion I’ll not get IFA support for moving to a SIPP, therefore receiving SIPP scheme also…
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Project Mortgage Neutral Begins
Hi. We have just remortgaged on our larger product and while mortgage freedom is still the ultimate goal I am working on the smaller challenge of mortgage neutral first. We have a smaller mortgage that we transferred when we moved 5 years ago and a larger mortgage that topped it up. Mortgage 1 Total £32097.21 Interest…
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Advice for Defence for overstay at private car park - Gladstones
So I've used the extra wording template with the links to cel v akande etc for this case as its with Gladstones and the POC is so vague simply saying 'was parked in breach of terms of parking on the signage'. Now this was almost a year and a half ago so in all honestly I can barely remember the details but think the…
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Does this mean Ive been accepted and will get a credit card?
Sorry to sound dumb, but does this mean I have been approved? I signed up via the link on here when I put my details in to check eligibility and was approved with only Virgin, which I'm surprised about, as I have a poor credit score. Abit surprised I got approved still, Is this just a pre-approval before another check?
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Bristol Airport - PCN for stopping at a traffic light.
I have received a PCN from Vehicle Control Services, the reason quoted being "104) STOPPING TO PICK UP/DROP OFF IN A RESTRICTED ZONE. Sadly, in the light of what I have since read on this forum, I appealed almost immediately in which I identified myself as the driver. The final paragraph of my appeal summarises the…
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Horizon Parking - Farnborough Asda / Princes Mead
Got a "Parking Charge - DO NOT IGNORE THIS LETTER" from Horizon for not paying and displaying at a pay and display. £60 / £100 against a £0.50 for 1 hour rate. Arrived 10:45am, went to Decathlon and bought a few bits, left 11:24. In all fairness there is clear signage that both me and my wife somehow missed:…
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Advice: NPC/DCBLegal Money Claim Received
Hi All, towards the end of September last year I booked an overnight stay in an Airbnb, which was an apartment with an National Parking Control (NPC) Group managed communal car park. The owner of the property provided a parking permit which I displayed in my windscreen whilst parked in the appropriate bay. A while after my…
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Boundary issue - vendors backtracking - advice please!
I posted a thread a while back, which might be useful: Changing title plan - boundary issue. — MoneySavingExpert Forum But in short, neighbours nabbed a piece of Land 20 years ago about 2 feet in length and quite narrow. Vendors agreed to cede the land and have the land registry updated to reflect this change. Mortgage…
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CEL/DCB Legal PCN - CNBC Claim - Defence Assistance required Please
Hi all! Thank you for your time and dedication to MSE. I have been reading through many threads and looking through the recommended threads that get pointed out all the time! I am currently writing up a defence - below is the claim form - Claim Form (Civil National Business Centre) issue date 28 Nov 2024. - DCB Legal…
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DRO Approved - What Happens Next
Thankfully, good news was received at 11:30am today when the Insolvency Service approved my DRO, not something I'm particularly proud about but something I will learn from and already have. Question I have is what happens now in regards to the 12 month DRO period, will the OR be sporadically checking in on me ?? Will I be…
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Group Nexus Parking Charge
After some urgent advice please!! Parking charge notice received via post to the registered keeper, who wants to avoid paying this notice if possible. Date of parking: 5th April Date of letter issued: 12th April Letter received: 23rd April - Royal Mail Duration of stay: 2hrs 04mins Hours allowed in car park: 3hrs Seems as…
