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NHS Pension - Taking Pensions Early
I am hoping you can help, and tell me if I am missing something. At 57 my partner has had her NHS pension updated, and with the McCloud options : Scenario 1 - McCloud 1995 Scheme - Pension at 60 yo £7000 2015 Scheme - Pension at 67 yo £2100 If they took the 1995 and 2015 (reduced by 31%) at 60, they would get a combined…
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Gifts and the seven year rule
I am thinking of leaving a subsiantial gift to my grand chilgren, and I would like to keep this a secret until they are 25 years old, when I will probably be dead. I do not want to tell anybody about this, (as I want them to have a nice surprise), and just leave a note with my will telling my executor where the gifts can…
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CUP Enforcement - Watford
2 x PCNs for the popular trap adjacent to Sainsburys, Watford I have left it very late to post my own thread and it is not worth me trying to give reasons or excuses. I am asking for opinions on my situation and on my amendments to the template defence. I have until Monday 25th August to post my defence. I have been…
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Our forever home
I'm a new mfw 😊, moving over from the dfw board. We moved into our forever home on 16th November 2020. 90% LTV, 25 year mortgage. We've just paid our first standard monthly payment so only 299 more to go!!! We'd like to actually pay it off a little sooner, but due to home improvements and our saving pot for IVF it's likely…
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Fiat Bravo diesel
Any one had any luck finding a 2011 Fiat Bravo 1.6D Multijet diesel gearbox cable for someone. There are thousands on the internet but I am struggling to find the right one. Put the number plate details in but cannot find a matching one. HELP!
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Virgin V6 box and infra red extender problem
I have a new set up that has my virgin V6 box in a cupboard. I have an infra red HDMI extender unit like this baolongking HDMI IR Extender Kit, 30KHz-50KHz Remote Control Transmitter Receiver Set, Professional IR Repeater System for Cable Box, Blue-Ray, DVD, More https://amzn.eu/d/g4v819p So there is an HDMI at the TV end,…
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Listed building and windows
Sorry I'll have loads of questions the coming weeks. Viewed a grade 2 listed house today, lovely inside, but I was pleased with myself for noticing that it was the only house in the terrace with double glazing which rang alarm bells. We asked the estate agent, who said I'm sure they are fine... though this was after saying…
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Speed limiters on cars
Speed limiter on cars is it a good thing? I've just bought a new car, a Honda Jazz hybrid, and of course I am trying out all the gadgets and driving aids. One of those is an intelligent speed limiter as the town I live in has a 20 mph limit. So I've been using the intelligent speed limit function where it reads the speed…
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Loan or savings to buy car
Hello all, Looking to purchase a new car but don’t know whether to use savings or get a loan. The money is currently in a Santander 123 account which I believe is paying 2% interest. The car/loan amount is £25k. I can get a loan with Nationwide or Santander at 5.9%. I am of the thinking that paying cash would be better…
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Locked out of pockit bank account
Hi all I forgot password to my bank as my facial recognition wasn't working I stupidly forgot to change the email adress so can't reset my password to email adress so pockit have froze me out it's been nearly 2 weeks I have sent on proof of address and passport I'd of myself still they are reviewing it it is my disability…
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Baby Steps to a brighter future
I'm one of those boomerang DFW. Was on here previously having cleared 10k of debt post marriage breakdown, divorce and moving on. Was debt free for a couple of years and due to some pretty rough set of circumstances find myself back here with an even bigger debt. This debt is not from being frivalous, far from it. Life has…
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How much water do you use
UU tells me that a 4 person household uses 450l a day. We used 288l so in my mind, we're doing well. We flush every time, we power wash the cars, we do laundry and dishwasher whenever we want, shower/bathe every day (sometimes twice ) All for £54 a month (up from £43) But what if that 450l is ancient data? What's to say…
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Universal credit and cash withdrawals
I had a review where they questioned cash withdrawals, now I panic every time I draw cash, I withdraw between £50 and £100 a week for every day spending, does anyone else you cash? I was thinking to put a journal message asking what the weekly limit is?
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DCBL letter on behalf of Smart Parking UK help please?
Hello, Firstly, thankyou for reading my thread. I have read the newbie information but it was very overwhelming. I'm hoping someone can advise on the best way forward. Today, I received a letter from DCBL with a notice of debt recovery of £170 for a PCN from 04/07/2021. This is the first letter or any correspondence I have…
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Smart Parking, DCB Legal court claim 2025
Dear All I've received a letter from Debt recovery plus about a parking charge of £170.00. It's the first I've heard from them. I rang them and they've informed me that a compnay called smart parking havr passed the debt on to them. The letter informs me that their client has previously written to me about a parking charge…
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Failed to obtain permit - civil enforcement
Hi everyone, After visiting a store, the driver and 2 passengers missed any mention of the requirement to enter registration upon visiting the store. I have appealed to the store and head office to have this removed but they are unwilling to do so without an invoice for a purchase. Being that this isnt exactly a…
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Initial Parking, Mousehole, The Parade. Overstay vs Unpaid Tariff time
Right - second attempt at writing this Writing for a friend… ANPR entry time 14:09:39 to Exit 16:30:43, paid in cash for
ticket for 2 hours. Car with some older folk, mild walking impairment but not
blue-badged. Arrived, car park busy – waited 5-10 mins for a space.
Parked, payer went to machine and attempted to download…
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NEWBIE - APCOA Parking charge at Gloucester train station
An APCOA parking charge was received for non-payment of parking at the Gloucester station overflow car park. The issue date is within the 14 days but it didn't get delivered until a week after the issue date, however the letter conveniently doesn't have any form of post mark to show that. I have seen some threads before…
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Park Direct Appeal Rejected
Hi everyone Not had an issue like this where I’ve sent the initial appeal from the newbies thread, and had the below response. I don’t know if I’m being more blind than usual but I’m unsure if I would send another appeal or wait and see?
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Britannia Parking, DCB Legal court claim 2025
Hi, Parking fine for £100 from Brittannia Parking. I paid £1 parking but mistakenly put in wrong reg plate. I have proof of bank statement but no ticket was printed from the machine. Popla have declined the case. Looking for Advice on whether to pay up or contest it further. As seems very unfair iv paid the parking, just…
