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Help required for Court letter for unpaid PCN
Hi, I have receieved in March 2025 a Court letter for payment of a PCN. It says to acknowledge in 14 days and defend in 28 days. It is for a PCN for my car which my husband was driving and he entered his car reg instead of mine to park. since it is a while ago. Before I defend, how do I get all the correspondence aroudn…
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Finding a Balance with Teens
When you're being thrifty due to your innate nature and the desire to have the money to help your kids through uni, your own retirement funds etc rather than an immediate necessity, how do you balance your teenagers' current 'needs' for beauty products, socialising, gadgets, clothes etc? -things that you wouldn't dream of…
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Helping my brother with equity release
Hi all, I'm new to the forums. I have an odd situation that I need help with. There are financial elements to the problem amongst other issues which may become apparent. I am 60 yrs old. My brother is 64 yrs old. Our parents died some 15 yrs ago. We were left a house and a reasonable inheritance each, split 75:25 to my…
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CCJ threat from DRP after failed POPLA appeal - Initial Parking
Back in April I spent 15 mins (not parked) in a signposted car park in Llanberis. The only reason I was there was to wait for my partner's parents (senior's) to park their Tesla and connect this to an electric charger in the car park before giving them a ride elsewhere. This took 15 mins 39 seconds because their electric…
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Broken machines NCP Prescot
We have received a PCN through the post today for not paying at an NCP car park in Prescot, Merseyside. We tried to pay by cash and card but both machines were out of order. No other cars in the car park were displaying parking tickets. We don't use technology for paying for anything directly. So that wasn't an option for…
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Is this turn on or off?
After boiler repairs, it seems to be sweating. Just wondering whether he has been left open position? Thanks
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Google witholding Payment of Trade In Payment
Hi there, cant see anything already here which surprises me a bit as theres quite a bit out there for example on Reddit: https://www.reddit.com/r/GooglePixel/comments/1nx7it9/3_month_wait_for_trade_in_payment_google_store_uk/Basically I traded in my previous phone, a Pixel 8 for a Pixel 10 on 26th August with an agreed…
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Could we start a meal plan thread again, so it's not lost in the GC?
Just thought this would be quicker reference than what's for dinner or searching through lots of posts? There used to be one a while back, Meal Plan Monday or obviously whatever day you start yours on 🙂 I did post mine in the Grocery challenge, but will post again for anybody that doesn't join in with that thread. Vegan…
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4 Parking Charges
Received 4 Parking Charges from UKCPS at my own apartment block even though I have a permit. It was not on the dashboard - they've taken pictures of my car to prove that. I've since made sure it stays on. Have appealed through their site regarding all 4 charges, they responded to the first one saying I can pay £20 instead…
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default on my file from an account included in wife's IVA
Evening all, we had a joint bank account with Halifax and in September 2024 my wife started an IVA which included the Halifax account. On my own report I have a default registered against this Halifax account dated 19/11/24. I have 2 questions: 1. I understand that the account was joint, is it correct there's a default…
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Utility Warehouse - complete inability to tell night from day
Hi, I have an Economy 7 tariff with Utility Warehouse. I faithfully submit meter readings (Day and Night) to them in order to keep bills accurate, and ensure with an eagle eye and high levels of diligence that I always submit these the correct way round. However, they are without fail always applied the incorrect way round…
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Claiming some tax allowanve fro wife who does not pay tax
I did claim this allowance but how can I check that it has been added to my £12,750.
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UK - Fine Parking lot near Stansted Airport MET parking
Hi everyone, I couldn't decide which section was best for this question. Apologies if this is the wrong one. Basically, I had briefly parked in front of a star bucks at SouthGate. We didn't even leave the car as we were debating if going there or to another shopping mall. A month later I received a parking fine over 60…
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ACI and Verify chasing historic debt
The debt is from about 20 years ago - if not more and it does not appear on credit report. As I have moved around a fair bit, how can I tell if there aren't any CCJs related to the original debt. I have been on the electoral roll for at least 7 years and I have not made a payment or acknowledged the debt for well over 15…
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Risk another loan?
I applied for a £25k loan to buy a car as it was cheaper than the finance from the car dealership (loan rate 6.2% Tesco). They text to say it had been accepted but the rate on the letter than has come through is 8.7%. The letter says they will do some final checks once they get back the paperwork. Do I risk applying for…
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The final countdown to June 2026
After +15 years of lurking on the site l have finally decided to create a MFW diary of my own. A brief-ish history 2009 took out current mortgage a tracker with FD, +0.79% base rate, allows fee free unlimited overpayments, and crucially, withdrawals upto the original amount borrowed. Thanks to your inspiration, super low…
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So now what?
We cleared debt of £ 64,346.53. We cleared a mortgage of £118k. So now what? We need to get saving and making the most of our money. Half of us is retired. The other isn’t working but may well have to (and possibly wants to) return to work in two years time. I find posting here keeps me super focussed so I am going to be…
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Expansion vessel
Expansion vessel cost replacement on Valiant boiler protec24. What is a reasonable price I should expect to pay? Thanks
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Debt from uksearch Ltd that I feel I don't owe
Hi I've been given a water bill f9r a unit that I rent which I feel I don't owe. This is due to the fact that the company I rent off have said the utility bill I pay each month is for the electricity alone as they cover the water. I was sent a letter from business stream 2/10/24 saying welcome on board. I never signed up…
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Maturing shawbrook isa transfer to a ford money flexible
I'm trying to clarify before I transfer my fixed rate shawbrook isa into my flexible ford money isa. I do understand the current balance in ford money is both withdrawable and replaceable up to my 20k limit this tax year. The query I have is the portion transfered from Shawbrook available to withdraw partially I understand…
