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octopus new tariff july v1
a new tariff has appeared on octopus, still higher than what i took out in may with edf also no exit fees fixed till sept 26 so its still a no for me
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Deprivation of assets ?
MIL owns her own house (early eighties, poorish health, mortgage free). Me and OH own own home (virtually mortgage free) Idea has been mooted by OH we both sell, combine money and buy house with annex for MIL. My concern is MIL is not in good health and where would we stand if had to go into residential care ? Would LA…
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Saving for an adult child
Hi all, My son's child trust fund is due to mature in a couple of weeks. I'd like to set up something similar over the next 10-15 years. I don't just want to pay it into a bank account in his name and I don't want to save it in my name. Are there any options available?
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2 mortgages
Mortgage 1 - £35k outstanding, 2.52% till July 2026, 15 years left on mortgage. Natwest. Mortgage 2 - £159k outstanding, 4.29% till 30 April 2026, 19 years left on mortgage. HSBC. Both mortgages are below 60% LTV. I can afford around £800 pet month to overpay. How would you prioritise overpayments?
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Offer from Morrisons Pension
My son works at Morrisons (Supermarket). He has received letter to take a 'One-Time Winding -Up Sum Offer to Take your RSP (Retirement saver Plan) Section benefits as an Immediate One-Off cash Sum'. (Italics bit inserted by me). He doesn't understand the letter. Neither do I. My main question is: Will he still be in any…
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LOC from BW Legal - advice requested
I've read the very helpful pinned NEWBIE thread and template defence, as well as several of the county court judgements that are relevant to the case and still have a few questions about responding to the BW Legal letter of claim that I, as the registered keeper, received recently. Hopefully the forum members can help with…
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ECP claim via DCB Legal - Pay machine not working
Hi all, I have read several threads that are similar to this situation, but I am not sure whether I have / had any grounds to get this Euro Car Parks PCN cancelled, as there is a little twist in my case. I would appreciate any help so I know where I stand. July 2024 entered a ECP car park with ANPR at the entrance. To exit…
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NST JULY
Ninja Saving Turtles JULY 2025 The turtles get together each month with the aim of getting out of debt, saving (to buy a house, take the trip of a lifetime, pay off the mortgage or retire) and live within our means whilst having fun. We encourage, sympathise, office helpful hints and celebrate wins. No turtle gets left…
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ParkingEye claim form using DCB Legal - fine for waiting at a car park
Hi all, Just been informed by my dad that he's gotten a claim letter for waiting in a car park at Tenpin Bowling. I've filed the AoS already, but now to deal with a defence. To no one's enjoyment, my dad has none of the letters he was originally sent and I only know he had pulled up in a safe place to check his phone and…
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2 PCN's in one day on a visit to London...
Hi All, I don't live in London but went there on Sunday in my car and picked up a friend in North London to go to the Columbia Road flower market. Unfortunately this week I have received 2 PCN's in the post from different London Councils for this trip. I have never done ths trip before so was totally unfamiliar with the…
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Bonus benefits of heat pumps
Outdoor "air conditioning". I was doing some fairly heavy work in the garden, and was a bit of a sweaty mess, when I noticed the ASHP had fired up to do the hot water. Stood in front of the fan for a few minutes and was restored to cool as a cucumber status. Have you found any unexpected features in your installation?
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2nd response to LBC from Gladstones on behalf of Horizon
Would be really grateful for some help with this: My mother got a notice to keeper for parking for 20 mins at Quality Foods Southall in June last year. The car is a leased vehicle, so neither me or her are the registered keepers. We got the initial notice fine letter from Horizon Parking a couple of weeks later addressed…
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Advice please! Administrator delaying distribution of estate.
Hi I'm looking for advice please. My father died without a will over a year ago. My brother applied for letters of administration in his own name. I am a 50% beneficiary of my father's estate. My brother moved his son into my father's house the day after my father's funeral and despite my objections he has been living…
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HMRC
Can anyone suggest a way to contact HMRC without using a telephone (I have a voice disability) ? I have used their website through the Gateway system but everything is a tick box system, even their tech guys couldn't find a way of sending a simple message. I have sent a letter (very analogue) but they don't reply. I did…
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Unable to appeal PC from APCOA that was transferred to me
Hello, i don’t like wasting threads but need help on this one. I received a Parking Charge letter from Apcoa, i am using a hire vehicle and the company transferred liability to me. When i go to Apcoa website to appeal I am only given 2 options: Pay or Enter liable party details. It seems that the hire company transferred…
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Stansted APCOA Parking Fine
Location: Stansted Airport Express Set Down Alleged Breach: No valid payment made (barrierless system – pay online/by phone by midnight next day) PCN Amount: £100 (£60 if paid within 14 days; I have not paid) ContextI received a PCN after using the Stansted Express Set Down area. I wasn’t aware of the change to a…
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Horizon PCN, at Tesco
Hi all, Got a PCN at Tesco Kensington, for the reason "Exceeded Maximum Stay Period". Without giving away the details, between the entry time and the exit time there is about 36mn, I do not know the rules, Google (third party website) seems to say 1.5 hours, and 15mn when the store is closed, not sure if this applied to…
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Defence - UKCPM/BW Legal
Hi guys, Newbie here. I've followed the necessary steps and completed the AoS. Now, I'm not sure how to tailor my defence. Please can you advise? Also, what email address do I send my defence to or do I have to submit via MCOL? Any help would be appreciated! Here's my PoC:
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Help with a review please
Hi everyone. I would like to say thank you for all the resources posted on this forum. It has helped me immensely. I would appreciate if you'll could review the text below. We have received a letter from the court informing us that a claim has been filed by the parking company with through the solicitor Gladstones. He…
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Smart meter not sending readings to supplier. Supplier won't fix.
Hi All. My smart electricity meter has never sent readings to my supplier. It was installed before I moved into the property, and was seemingly installed without an install code at the time. I initially raised this as an issue with EDF in February, who have since sent 2 engineers round, and had me try and apply a remote…
