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Stressed and scared
Hello, My IVA officially failed on 04/03/26. My dad died this week. My dad's 'estate' if such a thing exists will be a sizeable amount but it won't be enough to clear my debts. I don't know what I should do. I am hoping to go bankrupt soon but if I do…I imagine anything my dad leaves to me will be gone, nothing I can hand…
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Which provider to consolidate to
Hello All, I'm a newbie registered but have been reading this forum over many months. I can't get my head around consolidating my pensions, my wife has four, one main personal and three from previous employers. I want to bring them into one so that it would be easier for her to deal with if I'm not around. The question is…
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Seasidegal's Scrimpy Retirement Diary!
Hi there!😀 Having finally retired from work last Friday as my State Pension kicked in, I have decided to start a new diary as I begin the next stage in my life. I began my first diary on these boards in 2014 when I was 58 and in £31,000's worth of debt!😱 I realised time was fast approaching to retirement and that I needed…
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UKPC 4 fines in 2 days
My daughter works near a Sainsburys and often parks in the car park, she's in and out a lot due to her job. Sh has 4 fines, by the time I've got them they are at the $170 notice of debt recovery Now she has email receipts for all 4 proving parking was paid However can't appeal apparently too late according to UKPC, so is…
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Lambeth PCNs - multiple school street PCNs before first notice received - advice appreciated
Hi all, looking for some advice regarding multiple PCNs issued by Lambeth for entering a school street / pedestrian restriction zone on Sunnyhill Road. The first alleged contravention occurred on 27/02/2026 at 15:35. However, the first PCN was not received until approximately 09/03/2026. During that period, I continued to…
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help need please court claim DCB Smart Parking
Hi all Can I please get some help and guidance, I have read through the pinned threads and completed the AOS and said that I wanted to dispute the whole amount. Issue date is 20/5/26 The info on the claim form is, indebted to claimant, date of contravention in 2023, was issued with a PC, pursued as diver of the vehicle for…
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I'm replacing my bathroom windows. What kind of privacy glass should I got for?
In my head I had frosted glass, but not too sure how big of a fan I am of it. The shower is against the window so will need to be a high privacy rating, but not sure whether to get frosted or some kind of design.…
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Paragon Bank ISA transfer
My partner and I requested a transfer of each of our maturing fixed cash ISA’s with Paragon to a different provider offering a better rate. Our instructions were given well within the correct timeframe and Paragon confirmed that they had received the request from our new provider. As far as we were concerned everything was…
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Private carpark fine
Get anyone offer advice please? I've been issues a parking charge of £100, £60 if I pay within 14 days of notice. The date of notice is 3rd Feb. I received this letter through the post either this mon 19th, Tues 20th or wed 21st (I was away mon-wed). So it took about 7 days to get to me, so I've lost some of my 14 days. I…
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NE Parking / Smart Parking DCBL Court Claim
Sorry for the long one but in chronological order.. PC received from NE Parking for parking in a closed business forecourt. PC contravention dates/times blank. Photographs supplied as evidence show they were on site for 28 seconds. Appealed to NE Parking based on 28 seconds consideration / Grace. Automated acknowledgement…
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Back again
Morning everyone, I closed my DF diary a few months ago for various reasons at the time. However on reflection I think I haven't been myself for months , but I feel myself coming out of the place I've been and wanted to be back here. The last two years have been very testing with RL things going on in the back ground but…
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Will investments to pay off endowment affect job seekers claim?
Hello, I've recently been made redundant and am looking to sign on while I continue to search for a new job. I have an endowment mortgage with £66k left to pay. I have that sum (and more) in ISAs and other investments. They are earning more interest than my current interest only rate, so I haven't paid it off yet. I'm…
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Plate Heat Exchanger in system - issues?
Considering replacing open vented gas boiler (23 yo Potterton Suprima) with heat pump. Main issue is most of the pipework is nearing 40 years old and seems to be 22mm backbone with 10mm microbore either teed off or manifold and exiting part way up walls to radiators (ground floor pipes buried in screed and likely to be in…
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Confusion over debt solution deepens
Hello all When I last wrote (a month ago?), I had been advised to wait a further 3 months before applying for a DRO as I had only taken out 2 of my 6 credit cards in February this year. However the mental strain is too much for me, yesterday I called Money Wellness, who I was planning to use after recommendations on here.…
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Napier Parking Fine
HI All I am a little stuck and need some help since B W Legal are now getting involved and my sons is panicking I am trying to help my son after he a call came through whilst driving and so came into the car park in the early hours to take a call and didn't even park in a bay arrived in at 02.35.50 and left at 02.42.18 .…
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Parking advice please
Last year, I received a fine from 5years ago and DBC Legal has been chasing me back and forth for the last year. I moved house in 2021 and didn't receive anything there at the time. At one point, they agreed to reduce it to £60 from over £300. I have been asking the company to provide me with proof that I didn't pay and I…
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Advice for MCOL Defence Submission Please
I have completed the AOS stage online on MCOL, on 11/05/2026 - as advised by this forum, and am now trying to construct my defence. I cannot remember seeing the signage at Cherwell nor do I remember the reason given in previous letters received (and I ignored). I don’t remember the time I entered or left and this is not…
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Probate time - Any chance in under a week?
South west of England. Just doing probate for my mums estate (A house worth 140k), NO savings, NO debt, NO bonds nothing. The house was left to me and my partner. The will was done through a solicitor. I filled out the forms today and sent them off (next day). What do you think the turn around will be before the court…
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Working for council, using own car.
I work full-time for a council where I have to provide a car, which I use everyday for transporting people. I work full-time. I do get a petrol/car allowance, 45p for the first 10,000 miles and then 25p thereafter. I usually do around 12,500 mile per year for work. My query is, when my car is due for a service, MOT, tyres…
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Advice on notice periods and deposit
I’m seeking advice on tenancy notice periods please. I’m currently renting a property (assured shorthold tenancy started in November 2023). It states that I have to give one month’s notice to end the tenancy but can't see anything about the notice period from the landlord. The landlord is in the process of selling the…
