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Making my house a home and my life my own
I am long overdue a new diary as I have just read the first line of my last one. I was married, in my previous house with a much larger mortgage. I hadn’t realised that this was still the same one. I will add all the financial bits and my plans over the coming days, but the title says it all really.
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The Diary Of Onebrokelady Aged 60 And A Half
New Year new diary 😀 erm that's all I've got to say 😂😂
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Electric switch terminology - gangs and ways
I'm planning on getting the house rewired and I need to be sure of the terminology. I get that gangs are the number of switches on a plate, and ways are the number of locations a light can be controlled from. However there's one switch I'm not sure how to describe. It's a 2 gang switch and each of the 2 lights that it…
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Customs Fees on Medical Devices
I'm not sure if I've
posted this in the right section, so mods/admin: feel free to move
this post if needed. I ordered a medical
device designed to reduce symptoms of Parkinson's Disease from
abroad. Royal Mail tried delivering it when I was out and left a
card, saying that there is a customs fee to pay (along with a…
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£2 savers club 2025
Welcome everyone to the £2 savers club for 2025. As always, the aim is to collect every £2 coin you can lay your hands on! It is entirely up to you whether you want to: A) Save for a particular reason e.g. to pay the car insurance, to pay for a family holiday or to buy birthday presents throughout the year, B)Save until…
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Court Claim from DCB Legal - just double checking I'm doing everything correct
I've received a court claim and am just filing my defence for the MCOL but wanted to check I'm doing everything correctly please. I have copied the 10 paragraph statement I found in the forum and am currently drafting paragraph 3 so some advice on my paragraph 3 would be greatly appreciated. Here are the details of my…
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GP Registration Out of Area / Bipolar - What Would You Do
I'm a longstanding member of this forum but posting anonymously due to the sensitive nature of this post.My partner has been diagnosed with bipolar recently, we had to go privately in the end as the NHS were next to useless. He has not been on meds long but is stable and long may it continue.His GP are quite hardline, they…
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Universal Credits and maximising private pension contributions.
Hi all, I am a single person, living in rented accomodation. No savings. I have a zero hour contract and when my health allows I go to work. Is there a formula/ratio/limit to apply when looking to contribute an amount of my wages towards the company pension scheme that maximises contributions, but still allows for maximum…
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Airline claims air traffic control caused delay/cancellation - how do I check?
We were very recently waiting to board a plane for a booked holiday when we were informed the flight was cancelled. They (Easyjet) were unable to offer an alternative and therefore are (haven't yet) refunding the holiday cost. However we are unable to claim compensation for other costs (petrol, parking, overall hassle,…
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2023 parking fine, was unloading equipment into a venue
Hi all, I have read and read numerous threads in here now. And I’m still uncertain which approach is best to compile my defence. I have never received a parking ‘fine’ or anything for this event other than threatening letters from DCBL then DCBL Legal. At the time of the event I was not parked up I was unloading equipment…
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Driving test routes app - has anyone used? Worth getting?
My son is doing his driving test in a months time in a different part of London (Mill hill) to where we live. It's too far for his driving instructor to go to practice and he wouldn't know the routes anyway. He is a competent driver but I think it would be good to drive the main routes used for testing. We have already…
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Date on WILL. It is a problem?
Just a quick question. Just storing out paperwork, will, getting ducks in a line, etc. Notice the date is a little wrong in terms of the extra 1 in front of the 13 because the pen didn't work first time, didn't think much of it, but now I do. It is worth doing this again, or will it not make a difference?
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Money from house sale and how long it should last
If a pensioner couple were to sell their property, move into sheltered accommodation (which they pay fully for) and give away most of the profit from their house sale to their children in order to help them in life.....the question is how long would the authorities expect this money to last? As an example: Say the profit…
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Claim form from DCB Legal LTD
I am back again for your support my fellow colleagues. DCB Legal LTD has issued me a claim form for a 2hrs free retail car park in 2023. The below are the particulars of cliam The parking company is called OBSERVICE PARKING CONSULTANCY LIMITED Claim issue date: 12 Dec 2025 1. The Defendant (D) is indebted to the Claimant…
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Failed mediation, court hearing, breastfeeding
Basically what is says in the title! After 6+ years of battling through a PCN with UKPS Ltd, I am due to appear in Court in January after not coming to an agreement with mediation. I have recently given birth, I'm breastfeeding and my court summons states I need to be prepared to have 6 hours in the court between 10am and…
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How to find a good GP?
I spent most of my life living close to my parents so was still being seen by our 'family' doctor who was a bloody nice chap and always gave me excellent care. Since I've moved away from the area and now signed up with the local GP practice, I was assigned a GP at random and I am absolutely dumbfounded how appaling it is.…
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Car scratch repair
I clumsily scratched my car in a parking lot and got quoted over £900 to get it fixed! I think it's because there's a few scratches across multiple panels and there's also a scuff on the doorhandle. See photo below. The car is about 10 years old (we're the second or third owner), and nothing special, so we aren't too…
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Polymer coating
I’m buying a new car, and have been offered polymer coating for £400. This includes some interior treatment as well. Is this something worth paying for? The car is £24k by the way, and it has a metallic paint finish.
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Can I choose not to claim trading allowance to push profits over NI threshold?
Sole trader. Am I understanding this right? Profit above £6,845, don't have to pay NI but it is treated as a qualifying year. Profit below £6,845, no qualifying year unless you pay voluntary class 2. I'm hoping to reach a turnover of £6,485 by the end of this tax year, but I doubt I'll be able to get it much higher. I…
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One Protect charges, unable to cancel policy until they set up there end, big charge
Just took car insurance which i need for tomorrow, once you have paid an email confirmation tells you that you are not insured until you upload docs, however it will take them 24 hours to set up, therefore have no insurance cover the next day!! Unable to contact even by the bot, enormous cancellation charge of £75, unfair,…
