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Old Roof Timbers with Moisture Content on Average 40%
Hi, The roof timbers in my friends old home have a moisture reading of around 40%. It's an old slate roof on a traditional timber rafter and purlin construction. There are no slipped slates. There's no underfelt. The parging/torching was done with a lime mortar but has fallen off over 30% of the roof area. None of the…
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Quidco Questions & Answers
Hi all, Welcome to the new official Quidco Questions thread. If you have a question for the Quidco Company Representative account, here’s the place to post it. The previous Quidco thread was started 14 years ago, so we've started fresh with some updated guidelines: * This thread is for questions about Quidco only. If you…
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Civil Enforcement letter
Hi all. I really appreciate some help and advice about the following case which occurred about a year ago to a friend of mine He parked outside a restaurant and was in there for about 30 minutes. When he came out he saw that he was fined for parking outside the store. So he appealed and provided receipt from the restaurant…
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I Want To Be Free!!
Good morning a little diary here to hold myself to account as we embark on a journey to savings and mortgage freedom. This is a 3yr plan for reasons that will become clearer :) So the biggie the mortgage.. We recently did the complete opposite when we remortgaged and borrowed an extra 7k and extended the term by another…
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Parkingeye 10 minute grace period under BPA Guildines
Hello, I have received a pcn from parkingeye, when parking at tescos express. It was 30 minutes max stay and I went over by 4 minutes. I didn't recieve any original fines, just the typical DCB debt recovery letter. When I contacted parkingeye making a "late appeal", and advised them of this also alongside the fact that the…
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Refund for unused Simple Delivery label
Hi, I sold a book on eBay but I didn't spot that they had changed it to Simple Delivery, so I posted it as normal. I won't be using the label now so can I request a refund for the unused label and how do I do it? TIA
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Parking Charge Leased Car
Hi everyone, I have received a parking charge letter from Bank Park management. I’ve read some information already on the forum about how to approach this for leased cars. They have stated that the required documents (hire agreement, statement of liability and notice to keeper) are enclosed but they are not. I understand I…
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Heavily indebted doofus - do I default?
Hi all, came across this forum as a 31 year old idiot who has landed himself in a whole heap of debt. My situation is complicated and I'm hoping that as this is purportedly a judgement free forum I won't be too criticised too harshly for the situation I've landed myself in. The long and short of it is that last year I…
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The Pensions cashback and incentives discussion thread
Lots of coverage on incentives for current account switching, but none that I've seen for pensions. I kind of get it - bank accounts are a well oiled process, don't involve long waits, differing paperwork requirements, and potentially large sums needing to move. But given that the demographic of this board is made up of a…
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22 Foxhole East
I just made my first mortgage overpayment. We bought a 5 bed Victorian terraced house in the East Midlands in April 16 that has been badly neglected. It needs everything doing, it has been let out on a room by room basis and used as a rental machine. Now it is our family house (4 kids = one bedroom each!!). So far I have…
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Starlink UK Introduce £35 Month 100Mbps Satellite Broadband Plan
Report on the ISPreview website. Makes this a far more attractive offering where conventional broadband connections are problematic or even as an everyday solution? https://www.ispreview.co.uk/index.php/2026/01/starlink-uk-introduce-cheap-35-100mbps-leo-satellite-broadband-plan.html I had no idea that Starlink had 9,500…
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Unacceptable Probate delays - not fit for purpose
I just thought that I would share my experience of obtaining probate and see if anyone else on the forum has had similar issue's. My brother passed away in December 2023 and as a named executor on his will, I applied for probate online in January 2024. I received a confirmation e-mail of my application and on my account it…
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Fraisthorpe beach car park landowner
My partner received a PCN for Fraisthorpe Beach car park. We were there at the time and date stated but I had paid for parking on the Connect Cashless app as the pay information directed. I have a parking receipt in the app. It shows the make, model and colour of the car but not the car reg. I can't remember whether I was…
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Business Mileage Claim?
Hello, my company provides me with a personal car allowance and also provides me with a fuel card for both business and personal use. The company doesn’t deduct any costs from me. I record my annual business mileage. The company deducts my business mileage from my total annual mileage and provides a P11D to HMRC for…
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Tilly Tidy with pennies in 2026
Welcome to this group, old and new members of making our pennies work harder in 2026. This is to challenge yourself of collecting what would be nothing to others yet for us they have a lot of important work to do. Even collecting dropped change off the floor counts towards Tilly Tidying. Does your bank offer to round-up…
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Clarification on interest treatment for partial early repayment on fixed-rate personal loan
I’m looking for clarification on how interest is treated on a UK fixed-rate personal loan when making a partial early repayment, as I’ve received mixed explanations and want to ensure I fully understand my position. Loan details (summary): * Lender: M&S Bank (Marks & Spencer Financial Services plc) * Loan amount: £13,000 *…
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Ground Source Heat Pumps - best tariff for 3 Phase supply
Hello, Ive had a Ground Source heat pump for over 15 years when we swapped from oil as it was getting very expensive. Sadly the Electricity bill is now approx £550 a month and Im doing everything I can to keep the bill down. I am with Octopus Energy and discussed with them today the possibility of a better rate because Im…
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Amazon debit card unknown transaction
My partner had a £20 debit transaction from Amazon a week ago. I have Amazon prime and use subscribe and save service and we have deliveries for 2/2/26. On my Amazon account there is only a credit card for her as her old debit card expired 18 months ago. The £20 transaction is for her current card. There is no order for…
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Aviva pension on death
[Text removed by Forum Team] I've just been into hospital for an operation where the odds of death are significant. Before going in I wanted to make sure they my dependents were taken care of, so I contact my various pension companies to make sure the details were up to date. None of them was. For some updating was easy…
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Affordability Complaints
No longer going down the route of step change, a das or trust deed. Going to manage my debt myself. So first things first, I’m considering making affordability complaints. When is best time to do this? Debts not defaulted yet. If debt is sold and affordability complaint upheld does the debt go back to the original lender?…
