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I've never had any savings before and need help
I posted on the forum at the back end of 2024 - I can't figure out how to link to that thread sorry! But in short, I received a sum of money as a gift (£30k) and the plan was to use this as a deposit for a house purchase, so I was looking for somewhere to put it to maximise any interest for a short period of time. Those…
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Court Claim from National Parking Control - Delivery Driver - Need Advice
Hi everyone, I would be very grateful for your advice on how to handle a court claim I've received from National Parking Control. I've tried to lay out the situation as clearly as possible below. The Situation * Who: I'm a Stuart delivery driver. * Where: Myrtle Parade, Liverpool (Tesco Express car park). * When:…
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NPC ticket delivering
Recently recieved NPC ticket when delivering something off to a store on the private land . When I was there my car was actually blocked in by a wagon where I had to wait till they moved . Unfortunately I don’t have dash cam so can’t give evidence of this . This took about 15 minutes in total . I did appeal explaining this…
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Multiple PCN's from National Parking Control, in a Hire Car
Hi all thanks for the forum and all the advice in the Newbies section. I can see some advice for hire car issues but it talks only of receiving tickets in the window. The tickets I have been sent (4 in total!) have been posted to me, as the car was detected by video camera. It's a car park I've used for years just to buy…
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CEL court claim - Trial Date April26
Hello, After numerous letters that I ignored as per the newbies guide being no action till court claim - I have today, received the Letter before action from Civil Enforecement (www.ce-service.co.uk) with a PAP which "requires me to respond to this letter" - 30 days notice. I have read other posts saying I need to respond…
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ISA's now been taxed over £20,000
Hi, is it the case now that the government is starting taxing ISA's over 20,000 in some circumstances if there are moved from one ISA provider to another, that is the interest will not be protected from tax relief? Thanks for any help
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Homebargains Parking fine - "over 2 hours"
Hi guys Apologies if this stage has already been discussed, but I looked though the discussions for a few hours last night hoping for some reassurance, but didn't get exactly what I needed to do next. So, long story short (strap yourself in!) - car battery died - AA came out and said Halfords in round the corner, charged…
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Bank Park ANPR missed my car leaving and coming back
Hi guys, My partners apartments have private parking on site which is managed by Bank Park, you are allowed a 30 minute grace period in vehicle on the site for dropping off and picking up residents, which we take advantage of regularly and then park elsewhere due to there being a waiting list on purchasing a space. The…
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Masters Loans, should I pay it off for my daughter?
My daughter took out a £10k Masters loan in 2021 which did help her career progression, however she's not likely to get into the higher tax bracket in her current role (but she loves it). She may want children in the future also, so a career break is likely. She has no other student loan and is paying about £30pm at the…
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BWLegal Final Demand
Hello there guys, I hope you can help me with this situation. I have just received another letter from BWLegal, saying 'Final Demand'. It says I have until the 31st March to respond. The situation that got me the original ticket (from Link Parking Limited), was that I went to help a friend move into a new block of…
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Old Style Daily Monday 16 March 2026
Good morning all, even though there is rain battering at my house so the morning isn't too good. 😀
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non-Mormon attending Mormon funeral
A colleague of my sister has died and sister would like to attend the funeral if it's not a private one. The colleague was Mormon and we don't have any other Mormon colleagues/friends/ family to advise. I was wondering if anyone here has personal experience and any tips for what to expect or things to consider, e.g. dress…
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CS Alpha - early reduction factors
I've been looking at what I think are the reduction factors for taking Alpha early: Factors Guidance Hub | CSPS_GB My NPA / SPA is currently 67. I have also been buying EPA -2, but not for the whole duration of Alpha, so I will have two parts with different nominal retirement dates (age 65 and 67) but which must be taken…
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Trading 212 - what do we think?
Hi all, New to the forum so please be gentle with me. I want to invest in a cash ISA (haven't used my allowance up for 24-25 yet) and I am seriously considering Trading 212. I've used Shawbrook Bank and Charter Savings Bank in the past and had good experiences with them so I'm not new to online accounts. I know Trading 212…
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replacing fence panels - what should it cost?
Hi All, I'm looking to get one side of my garden fence replaced. It's eight and half 6 foot wide panels currently, but they and the wooden posts are crumbling so I want to replace with concrete posts and new pressure treated panels. Any thoughts on the cost of this? I've had one quote and I'm surprised by the amount, but…
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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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Retirement Planning
The 'Savings & investments' board have suggested to post here and have edited this post. I am nervous about investing but need to get on with it. I have 12 years till SP age, an old work pension worth about £100,000 and a separate pot of savings to last till 12/2030 with no debt. My current spend all in is about £30,000 pa…
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What sort of concrete/mortar do I need?
In a bid to out wit the feral gangs of thieving squirrels round these parts, I'm hoping to make some pebble mosaic tiles/slabs to lay alongside the length of my garden paving stones just to cover a very narrow - approximately 9-10 inch - strip. The strip boundary has the paving slabs on one side and the gravel board for…
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Section 75 Help - Fraudulent item
I bought a Tag Heuer watch as a gift in 2023 it was still under the original warranty and was bought from an online watch shop. It came with all warranty documents, all the tags, stickers the works. The warranty also was registered with tag confirmed on their now defunct (because it was worthless) warranty checker. It was…
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Contradictory Questions and Final Policy Document buildings insurance
I took out a policy - the usual questions asked about the building history (over the last 25 years). Questions such as - any flooding in last 25 years, underpinning last 25 years etc. I've owned the property for over 30 years and nothing like that has happened since I've taken ownership. The building is over 100 years old.…
