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Newbie looking at ISA stocks and Shares
I'm one of the many people who will be affected by the changes of ISA savings amounts for saving in April 2027. I therefore thought I would invest £500 this year as a trial run. I have put the rest into a Trading 212 cash ISA this April 2026. I have never invested in Stocks and Shares so am not sure where to start. I did…
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ECP AND DCB Claim for parking fine
some where last year I received a parking fine for a vehicle of which I was not the driver. The letter came at a time when I had travelled. When I came back I had no knowledge of it until the day after the 28 day deadline for a vehicle keeper. I went to the website of ECP to complete the form only to be told the deadline…
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Lease company paid PCN debt and only sent me debt notice - DD now due
Hi all, TL;DR: lease company paid PCN debt directly without showing me PCN or NTH, about to take payment from me via direct debit. Should I cancel DD or pay and take them to court? My lease company VWFS sent me a letter notifying me that they have "paid my recent fine" and are now invoicing me the "fine" amount plus an…
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POPLA appeal against vehicle present during restricted no parking period
UKPC took control of a carpark used by a 24/7 emergency vets and placed a no parking between 8.30 pm and 8.30 am rule approx. 5 weeks ago and seemingly have been ticketing most people going to the vets out of hours. We took our dog in for a 7.30 am surgical appointment and have been issued with 2 tickets (we took 2 cars)…
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National car parks (Moorside Legal Services LTD) Court claim
Hi Seems i have recieved a letter of claim, is this valid, i dont think they would use HM courts. If so just wanted to confirm the next steps, loink to thread. date of service is 5 days after issue date so I must send back by 15.02. Also do I need to put my income and employee details am very uncomfortable with this. Thanks
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Best Mastercard Credit Card for overseas use
I've had the Halifax Clarity credit card for years and use purely for overseas spending. Since moving from Mastercard to Visa recently, I'd now like to get a 2nd card for overseas use. I do have a Chase Debit Card as back up but would prefer a Credit Card too. Any recommendations?
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Group Nexus, DCB Legal court claim 2025, the driver parked in a disabled bay
Hi guys, So as the title suggests, I have a PCN for parking in a disabled bay at B&Q. i know this will be frowned upon and I myself wouldn;t usually park there, but we were in a rush to get something and there were literally dozens of empty spaces so it would make no difference to anyone on this particular day. Anyway, a…
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MET NTK RECEIVED FROM THE EVER SO POPULAR SOUTHGATE PARK, STANSTED
Drove into this car park, as I have for many years to stop for quick bite at McDonalds, stayed 18 minutes, assumed parking was free for 1 hour for McDonalds customers. Received NTK week later. Appealed for the following reasons: I would like to explain the circumstances and request that this charge be cancelled on the…
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Where do I stand with Cabot? Any help gratefully received, thank you!
Hi, I had a handful of debts over 11 years ago that I initially set up a plan to pay through Stepchange and eventually made my own agreements with the debt collection agencies (4 in total). I never missed a payment. This year, Cabot Financial began hassling me to do a new financial assessment. This became harassment as…
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Duplicate switch payment?
Has anyone else had Barclays accidentally pay them the switching bonus twice? The only options for contacting them seem to be using a chatbot that doesn’t work, a message service that’s been broken for weeks, or sitting on hold on the phone while the years drift by. The only other alternative would be going into a Barclays…
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Parking in Tesco Extra Stevenage
I went to collect my wife from Stevenage Station a couple of weeks ago but arrived about 10 minutes early and she had also been told that there were delays towards the end of her trip. There is only a very small car park there and it was rammed so I drove out and noticed a Tesco on the other side of the dual carriageway so…
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First Direct Perks
Seems like a new reward scheme incoming?
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Electricians:Would BS 1363 itself need updating to formally allow bidirectional energy flow/backfeed
With BS 7671 Amendment 4 and the upcoming BSI plug-in solar standard, what specific amendments would still be needed for true legal/safe backfeeding into a standard UK 13A socket? From what I understand, the main issue isn’t the wattage itself (e.g. 600–800W), but that BS 1363 sockets are designed as power outlets rather…
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Parking fine gone to debt collector
Hello Everyone, I'm a newbie and am just checking if its possible to help an old friend who is 85 years old and has had a parking ticket from Bridge Parking. He forgot all about it and then was confused as how to move forwards when it was out of time and thought they has forgotten??? He now has a lettor from a debt…
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Euro Car Parks POPLA appeal
Apologies if I should not have started a new thread, but I have searched and cannot find anything similar, I was the driver and the fee is payable. I've had an appeal to Euro Car Parks rejected because they cannot tie up my payment with the registration of my car, in spite of sending them a copy of the bank statement…
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State payment pension payment date
My Husband reaches state pension age on the 15th July this year. He applied for the pension in March and has received a letter stating when payment will be made, but can't make sense of the dates. He rang the DWP and spoke to two different advisers, neither of which who are able to explain the significance of the dates in…
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Plan 5 student loan
My young person is completing their undergraduate degree this summer, they have had the minimum loan for three years. They have been accepted on to a masters programme starting in October and here is the quandary. If they take the masters loan it won't fully cover the fees, we are in a position to pay the shortfall plus…
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Pinecone Research changed for the worse
Hi. I've been doing surveys with Pinecone Research for many years, earning 300 points per survey and being able to cash out at 300 points. Recently they announced exciting changes. All that's meant is that it is nigh on impossible to complete a survey as, even after answering many questions, we get told we're not suitable…
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Pension Carry Forward
Hello all. Looking for some input on understanding pension carry forward. Have just started a SIPP last year and paid £60k i have just discovered I had a PRU with profits pension from workplace some 30+ years ago ( whole other thread!) Now I understand I could carry forward 3 years as I did have a pension open. Currently…
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Octopus refund.
I saw Martin on the MLMS recently, saying we should request refunds for large energy bills credit. I decided to do that. I was £335 in credit last week. I pay £45 per month by DD. It is low because I have solar PV and for at least 6 months in 2025 my export payments were more than my electricity bill. They recommended last…
