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Debt write-off due to mental health illness and long term unemployment
Hi everyone, I’m looking for advice specifically on having a debt written off for my mother due to long-term mental illness and lack of capacity. A card was posted through her door by ResolveCall, saying they attempted a visit regarding an account. No details were given about the original creditor. Background (important):…
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Reading as a cheap hobby
Reading needn't cost anything if you live within walking distance of a library or get a free bus pass. Libraries often put on free activities for children, too. If you're lucky, your local library will be warm and have some cosy armchairs. Some libraries will allow laptops so that students can work on projects and…
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Santander credit card
I was scammed back in august 2018. And need a copy of this statement for the people who are trying to get my money back. After so many chats in Santander app I am getting nowhere. Has anyone else had this problem
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Car Insurance cancellation
my daughter has car insurance with a black box and her insurance company have informed us that they are cancelling the policy in 20 days time because her score is to low, she never had a problem the previous year with a different company and she is so upset because she doesn’t believe that their information is correct. My…
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Between 'Buy In' and 'Buy Out' stage....
does a deferred member of a Defined Benefits pension scheme usually have rights to a statement/ongoing statements during this stage? Before a 2023 Buy In was secured, the scheme Trustee/Administrators provided Tri-ennial statements, with the next one due in 2024. Buy in has not yet reached full Buy out status (taking a bit…
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Solar Panels without planning permission
Buying a house with solar panels in a conservation area without planning permission. Probably installed between 3 and 4 years ago. Has anyone been in a similar situation ?
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CCJ sent to my old address - Set aside application and fee payments
Hi all, I received a CCJ to an old address from G24 ltd regarding a parking event in May 2025. I was able to collect my old mail from my previous address included the POC and all threatenings mails from DCBL Baliffs. After reading the NEWBIES posts and related subthreads, I prepared a letter for DCBL to set aside the court…
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Free software to replace MS Money
On my old computer I used MS Money to keep a check on my Home accounts, found it easy to use [which is what I need] but now MS Money is no longer available. Tried a couple of alternatives but found them difficult to get to grips with, can anyone suggest an alternative which is easy to use. Thanks.
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Charging Orders
I am looking for help with regards to the payment of a Charging Order.
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Flex pay from EE- wierd
Hi Just a quick one but with EE they seem to now offer 'flex pay' which is you have a DD for the phone and a DD for the plan. However the default option is for the phone to be on a 36 month contract and most plans are 24. Meaning after 24 months you can upgrade the plan but not the phone? I bet people will not realise this…
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NHS Partial retirement and Redundancy 13/11/2025
I am in this position. I took partial retirement in March 2025, to get my lump sum for home improvement's to enable my husband to come home from the hospice, he unfortunately didn't make it. This seems so unfair. I haven't had a break in service 35 yrs in total I reduced my hours by the required 10%. I worked 37.5 hrs one…
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Find myself in debt again! (Scotland)
You would think I’d have learned the first time round! This time round it’s way worse! £30k worse! I’m currently at the stage of missing the first payments so few months of defaults yet. Is there a template letter for offering token payments (once debt has defaulted) What do I need to provide to offer token payments? Bank…
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Timing of Annual Tax Summary
Does anyone know when this drops onto the gov tax platform for 2024/25? Specifically the summary with breakdown as it is not on there yet. You can view the top line tax paid but thought after 5 months it may have dropped on. Not a first world problem but just wondered....
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Damp - How best to deal with it?
Attached some pictures of my damp situation. It is the external facing wall of my garage. I had 2 problems - sagging and broken guttering which has now been completely replaced. But my main problem now is the debris, rubbish and soil which has piled up over the years in a narrow ~25cm gap between my neighbours' garage and…
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Here’s where the story ends…
And another way of life begins? Another old tune that’s been stuck in my head this week. No more ninety months for me, aiming for four years from now so forty eight months. I have rejigged my budget as food prices and prices in general have gone up. Hopefully giving myself a reasonable amount to spend will stop me…
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Ex company car driver car insurance
I've been driving a company car for the last 25 years and so have not had to take out any insurance. I am now retiring and need to take out car insurance. I can't get an NCB letter from my insurer as my company insured third party, although I do have a Driver History Letter from them. How do I go about getting myself…
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Payment for Compulsorily Purchased IDS (Royal Mail) Shares
Just wondering if anyone else here is having the same problem with Equiniti and IDS Shares that I am? My late mother held shares in IDS (Royal Mail). I am the executor for her estate. She did not accept the EP UK BidCo offer to acquire the shares. EP UK BidCo exceeded the 90% threshold required for compulsory purchase on…
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Praise for credit cards.
i was out with a friend and when he went to pay his MBNA credit card had been blocked, turns out someone had got into it and was trying to use it fraudulently. I also recently had a text about unusual activity on my M&S credit card, this also was unauthorised by me. So it seems CC companies are at last taking an active…
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House of Fraser refusing refund for online sunglasses purchase
Hi all, My wife's had an interaction with House of Fraser that's shocked us and we're hoping for some advice. They are refusing an online return of sunglasses that were returned within 2 days. 14 Jan - Wife bought pair of sunglasses online from House of Fraser for £150, using PayPal 'Pay in three'. 17 Jan - They arrived,…
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Need Help
Hello, Firstly thank you for taking time to read my post. I bought a coat from Flannels online on 2/1 and when it arrived it looked like a bin bag so I returned it on 5/1 and DPD delivered back to them on 7/1. I then received an email on the 8/1 from flannels stating they had got the coat and would be in touch. Having not…
