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Letter received from Lowell (PayPal) – help and advice needed please
Hi all, First-time poster here. A quick background on my situation: a few years ago, being young and financially illiterate, I unfortunately got myself into default with PayPal. I started to repay this debt over the past few years and have now reached the point where I only have around £662.64 left to pay off. I was…
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Letter before claim DCB legal
Hi. My son overstayed in a KFC car park last June 2024 because he got a flat battery. He also said he didn’t see the signage as it was 11pm at night and dark (he is a new driver). We’ve ignored the parking charge letters but about a month ago we received a letter before claim from DCB. I’ve read the newbies thread and…
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ACI UK - Sent Prove It Letter - Still getting calls.
Morning All, Recently I received a letter from ACI-UK Stating that I owe £568 to HSBC. I have no recall of this debt owed and nothing is showing on my Credit Report. This could quite possible be from my youth some 20+ years ago now! I therefore sent a "Prove It" Letter via Royal Mail signed for 1st Class, of which was…
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Claiming tax back on drawdown pension
I have in drawdown for a few years and was always able to reclaim overpaid tax by the November following the end of the tax year. I have submitted my claim for 24/25 and have been advised that this will be paid by April 2026 almost 2 years on from my initial underpayment. Is there any way where I can shorten this timescale…
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Debt been sold but no default?
So Ive stopped paying my consumer debt with a plan to enter self managed DMP. My credit report does not show any defaults yet but I have received a letter from Link Financial saying they are taking over my lloyds debt. So far I have done nothing and have just been waiting it out. What should I do now, do I contact these to…
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Parcel Compare - How to contact them
I want to 'contact Parcel Compare regarding a package collected today by UPS. I have searched their site with no success; I just keep going in circles. Googling 'how to contact them' puts me back to the same never ending circle. The Facebook and gmail symbols at the side of their screen show that they are not in operation…
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Car park bump, was I wrong to insist on proper repair
Hi, Just after a bit of advice about an incident in a car park. I was leaving the car park and driving along when a car reversed out of a space into the passenger door and front wing of my car. The driver eventually admitted he was at fault after initially denying making contact with my car. He tried to get me to let him…
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Debts and DV
Hi, it’s been a while since I’ve been on here but I really need your help. i have recently ended my marriage which included physical, emotional and financial abuse. I have been in contact with CAB, they say it will be hard to get any write offs due to financial abuse but they will try. My husband was in and out of work and…
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PCM UK LTD / MOORSIDE LEGAL CLAIM
Hi All, Looking for some advice on my case which I have provided a breakdown of below (I mucked up acknowledging the claim). Long story short I was parked in an industrial area where a gym is located. I was with a friend who always parks opposite this gym where there are multiple other cars doing the same. Without checking…
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Battery operated outdoor light
I'm after a battery operated outdoor light that's bright but is also motion operated, is this possible ?
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Replacement Power Adapter for Pure Evoke D4 DAB radio
The power adapter for
my Pure Evoke D4 DAB radio has failed. It tripped the circuit breaker
in the consumer unit last night and is now dead. I cannot find a Pure
branded replacement and Pure are not answering the phone. 01923
623000. Are they still trading? I have searched on
eBay, Amazon and Google for a replacement…
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DMP is it a good idea?
My husband is already in a DMP, and now I’m struggling with my credit cards and loan payments, which total around £35k. I didn’t enter a DMP myself at the time because the mortgage payments were coming from my account. If I start a DMP now, will it affect our ability to remortgage in four years’ time? And how long will it…
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Transferring OEIC between spouses
OH and I hold the same equity index fund, unwrapped, on Interactive Investor. With the ever reducing CGT allowance (and markets continuing to rise) it will take longer for her to sell her holding than it will take me, without incurring a CGT bill. Transferring some of her holding to me looks useful, once I have spare CGT…
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Too late to start gilt ladder? Opinions please.
Hello, I have recently played around with lategenxer and realised I could probably retire on a higher income from a gilt ladder than my current salary!. Any how, whats the consensus in setting up a ladder to provide 1 annual maturity over the next 7 years (SP kicks in 2033), with the first one maturing in April 2026. I…
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Clarification needed
I am looking for clarification on how a deceased estate is calculated when I joint owned property is involved. My husband and I owned our house as joint tenants and this has passed to me by survivorship. My question on this is, for purpose of the estate calculation to settle his debts, is his half of the house included in…
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Termination of Life Rent and Property Transfer
My father’s second wife had life rent in the family home (Scotland) after his death in 2020. Recently she also passed away and the solicitor is now going to terminate the trust and transfer the house into the ownership of my brother and myself. We anticipate that he will probably buy me out in the New Year and live in the…
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Future Proofing my life: Deposit saving then MFW journey in under 13 years
I have been reading lots of these MFW diaries over the last few weeks, some 300 odd pages long and tracking a decade or more of life. They have been fascinating, very inspirational and given me some great ideas. I am looking to buy within the next year, and then get MFW and o/p as soon as I can. My savings rate, income…
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Difficulty with getting hsbc credit card
I dont know if anyone else has experienced difficulties in dealing with hsbc when trying to open a credit card - ive never had these issues with any other bank before. I applied for a balance transfer credit card on 19/11/25. On friday 21/11/25 I got a text message to say my application had been accepted and my credit…
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Good value greetings cards.
Can anyone recommend a good value greetings card supplier please? I used to use Funky Pigeon, but they are very pricey now and it seems they have introduced premium only cards now as well. This is the time of year when I to need to buy a few cards with various occasions coming up. The ability to customise cards would be a…
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Divorce debt be gone!
Newly divorced but with big debts to clear here - moving and divorce legal fees, furnishing and essential repairs on the new place for me and my 2 teenmonsters who live with me 50/50. I managed to secure a 0% 15 month purchases card a few months ago when I moved to pay for furniture and have just secured a 0% balance…
