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LoC from BW Legal received via UKCPM
Greetings everyone and hope all is well. First and foremost, thanks in advance to anyone who might be able to help, it’s greatly appreciated. After collecting a gift from a friends estate where I’ve been to and parked numerous times before without penalty, it was to my surprise to receive a pcn from ukcpm for not having a…
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Not dropping Santa down the chimney!: 2025 Santa, Shoebox & Life Chit,Chat,Chunter! ALL welcome....
Welcome to the shiny new thread which has a slightly different title and I have just updated the date! Now 2025 Santa's Challenge was set up by Mum2one some years ago but sadly she hasn't posted on this forum for a couple of years, so now we are on our own. We remember her, her Mum and daughter with fondness and hope that…
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Debt, Diet and Decluttering - The Lifetime Diary
Does anyone else get the urge to sort every single issue in their life at the same time, get totally overwhelmed then bury their head in the sand or is that just me? I can't just focus on one thing at a time, my brain will not allow it so here I am again tackling the following; * Pay off £7,450.68 - Lloyds CC * Pay off…
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PCN not found until two months after it was sent as we were away from home
I'm in a situation where I am unsure what the best course of action is. On 17.6.25 a PCN was posted for a supposed incident on 11.6.25 (£100 but reduced to £60 if paid within 14 days) On 4.11.25 a PCN -"notice before further action" was posted (£100 demanded) On 18.7.25 an "Action Needed" letter was posted (threatening…
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Octopus Agile
Is Octopus Agile worth changing to if all you can change to cheap hours is dishwasher and washing machine
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Parents Have Already Engaged with DRP and ECP. What now?
Hi everyone, I've gone through what I think is relevant in the newbie posts and read through some other mentions of ECP and DRP to see if I can get an answer there. It may be me thinking my problem is solely unique which it probably isn't but I just need to double check here. The short story is my mum received a letter…
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Couldn’t cancel digital subscription to Deliciously Ella
I signed up for free 7 day trial with Deliciously Ella last Saturday afternoon. I tried to cancel last night (Friday night) clicked on cancel subscription on the website and app several times and then tried to delete my account. I didn’t feel confident that it had happened so emailed them. The money was taken from my…
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Can I make my PCP any cheaper? Does any company do interest only loans?
Took out PCP for 24k, 10k GMFV, GMFV due August 2029. 9% Overpaid loan by 14k, 10k GMFV left, paying monthly interest of around £74 which will equate to 3.5k and then pay 10k in 2029 (probably trade in) Can I get this 3.5k halved to by finding a better rate than 9%, I presume not....I do not want to take out a money…
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Instant pot is it worth it?
Instant pots are half price right now and I'm tempted but also worrying about whether it will be worth the initial outlay to save energy costs when cooking? Does anyone have one? What types of things do you cook n it?
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Metro Trust Bank Account
I am a Trustee for a Trust which my late uncle set up to benefit my cousins upon the death of my aunt, who is now 91. Earlier this year, when my aunt moved to a care home, we had to set up a bank account in something of a hurry to receive the proceeds of the sale of her home (around £200,000). In the end we established the…
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Replacement cat flap
We had a Sureflap microchip enabled catflap installed in a glass door. Over the years it has deteriorated and we now need to replace it. We don't think we need the microchip functionality any more, so we'd like to get a plain ordinary catflap - preferably one that permits minimal draughts. Can anyone recommend a model that…
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Five Year Fix, Five Year Plan
I've not even got a mortgage yet, but here I go. I'm finally getting on the housing ladder and settling, after living around the country for the last decade. I've been in a position where "I'm just about to buy" for about 8 years for various reasons, so while I've not spent well, I could have saved better instead of…
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Is my smart meter tripping the electric
On Saturday we had a power cut. When the power cut website said our power was restored we still didn't have power. However I noticed that there was a light on the meter and the main switch was tripped. We turned each sub trip switch off in turn but the main trip switch still tripped. I phoned powergrid and the call handler…
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tax codes
I had new tax codes in september for three small pensions, these are my only income @£10500 Next week I get my first state pension but i have paid £200 tax on one of my work pensions which now have the codes K ends X and the other two ends T I can see that they have calculated the I will have an additional £6000 in state…
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Brita Limescale water filter
Hi, I bought a Brita jug. I was looking at their filters and since I live in a hard water area (London) I'm assuming their Limescale filters are better? But I have doubts because they seem to only mention they are for kettles and coffee, are they not ok to drink from the Jug? I'm not gonna buy another jug to put a…
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UKCPM / BW LEGAL Residential Car Park Court Claim Defence Help
Hi All, I've received a Court Claim from BWLegal / UKCPM for parking in the residential car park where I live. The letters are addressed to my address which is where the alleged breach occurred. I stay with family. I am currently drafting my defence. I'm thinking about copying some of the elements from this post. What do I…
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Rent Arrears my daughter wasn’t aware of
We have been helping our daughter financially through university. In her final 2 years she shared a very small flat with her boyfriend in London. They were both named on the tenancy agreement. The rent was £1900 per month and because my daughter was a student, she was to pay £900 (with family help) and he was to pay the…
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Universal Credit - Self Employed
Just looking for a little clarity if someone can help. I am self-employed and claiming UC. I had my initial year start-up period which has now ended and the MIF has been applied. They work out my UC based on £1,642.72 - which means if I don't earn more than that I get nothing. Work is slow for a graphic designer so I don't…
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How long to default?
What I can see now many creditors don’t register default even after 8 or more missed payments! Why they don’t stick to guidance then? Why they delay it so long?
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Claim Form Received
Hello All, I have been through and followed the advice of the newbies thread until now reaching a point where I believe my own thread is warranted (hopefully!). I've just received a letter of claim and need some advice please.
The original PCN was sent to an old address and the only correspondence that's
reached my current…
