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Dcb legal letter of claim letter
Hi all I have read the newbie thread but I just wanted to clarify some things. I received a fine for parking in a Euro car park without displaying a valid pay and display ticket. Well actually I had got a pay and display ticket but the machine didn't register half of my license plate for some reason. So I appealed to Euro…
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Gifted device broken - warranty not transferrable?
I was gifted a beauty device - a ziip halo - just after Christmas in a slightly unusual way via a friend of a friend. I don't know the person that gave it to me other then via my friend. The device has broken. It is sold as coming with a two year warranty, but when I contacted ziip they have basically told me because I…
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DMP mutual support thread part 13 !!
Welcome to the DMP mutual support thread Part 13 !! Here you can find help in starting and running your DMP, self managed, Stepchange, Payplan and any other DMP all welcome here, but we do encourage you to use a free service, not one you pay for. There is help on getting interest and charges stopped, how to start with an…
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Second claim, PEye court hearing
Hey, I’m still in the process of dealing with the parking notices. the first mediation on behalf of PE was unsuccessful - Iv now had a letter this will be transferred to county court. the second, I have mediation today with DCB legal and this is for two parking charges. I know we’re not going to settle, but what is the…
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Personal loan to avoid losing ISA allowance
Dear all, I have finally paid my mortgage and I used about £40k from my cash ISA account. At the moment, the ISA provider is showing me that I can put back £40k however I will lose this opportunity when the new financial year starts (06/04/2026). I was wondering of borrowing some money, likely a personal loan, just a few…
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Timing the market
I know in theory you shouldn’t try timing the market, however I have just completed a transfer to A J Bell, and it’s now held in cash. I had planned to immediately move it to the cautious fund, and then the investment pathway 4. As I’m going to start withdrawing in April I’m vaguely tempted to leave it in cash for the…
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Bankruptcy or IVA or DRO?
Person is Individual in England and has defaulted on unsecured Loans & Credit cards. Lost his job and now on Universal Credit and is in £10,000s of debt under £50k. Hardly any savings, no car, no assets apart from a couple of bank accounts in which he gets his UC paid into and probably has a few hundred quid to cover day…
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Life insurance vs./and/or critical illness cover
I’m a 42-year-old white male with no diagnosed health conditions (other than dry eyes). There’s nothing I’d need to tick “yes” to on a medical form. I’m a healthy weight for my height… I’ve even got abs for the first time since my teens. I don’t smoke, don’t use recreational drugs, and drink very little alcohol. I live…
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Dripping condensate pipe
It looks like the joint of this condensate pipe is dripping. I don't have much space to play with in terms of trying to replace the joint or anything, as just to the right it goes behind a kitchen cabinet to then feed into the waste pipe. I'm wondering if a PVC solvent could do the trick, but i'm not clear whether that…
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Recommend trainers for weight training
I've been going to weightlifting and CrossFit for a year. I replaced my old trainers with some from Lidl thinking it wouldn't matter but I think it threw out my (already dodgy) hip. What do people recommend I try
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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…
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Which Car Park company is best to use travelling from Stansted Airport
Need to leave a van at the airport for 1 week later this year. There seem to be a few options of car parking firms there. Can anyone who has used one of them recommend one please. It needs to be one that does transport from the car park to airport. Thank you
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Healthspan Codes Thread (no chat)
Shiny New Healthspan Codes Thread. To keep this easy to follow and to help those subscribed, can we please use this for listing current codes. Please avoid ‘code worked’, ‘code didnt work’, ‘any new codes’ https://www.healthspan.co.uk/ old thread…
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Dehumidifier - no water collection tank?
I have a mobile AirCon unit with a Dehumidifier function. We have been using in a small room when the electric clothes airer is setup. I have a moisture meter and during operation the moisture levels don't go above 59%, so I believe the dehumidifier function is effective. However I am confused as I have never had to empty…
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Parking lots without machines
The substance of my claim is that the machines at the parking had been removed and there were signs indicating that you had to pay via an app. I tried to connect but couldn't so I didn't pay. Is it reasonable that drivers are now expected to carry a smartphone with guaranteed connectivity at all times? (You have 10min to…
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Self managed DMP help
Hello everyone. I understand this topic comes up over and over again but I would really appreciate your time to just clarify a few things, just to make sure I do things in the correct manner and to not dig myself a deeper hole. iv been reading a lot on here so I think I have everything I need possibly. I have debt of…
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Transferring an inherited pension to an Interactive Investor SIPP
Hello! I’m currently contemplating transferring an inherited pension I
currently hold in a SIPP with AJ Bell to Interactive Investor (II), as the total
value (approx. £260K) is such that the fees would work out lower with II. The slightly unusual situation is that I am under 55, and yet
the pension is accessible to me…
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Stronger, Smarter and Saving
Time to face my debt head on and I thought this would be a nice little corner of the internet to document it. I have about £10k on a 0% card and just under £5k at 5.9%, so I'll start with that smaller card. OH has about £10k across 2 cards too - they're both on 0% deals so we've set them up to pay min payments only at the…
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Field agent visit
Hello, I have been up and down with debt for years. I have about 5 low level debts with Lowell, ranging from £200 to £2600. I have one with TM legal which I pay £1 a month towards. I have one more somewhere from an old mobile company. I have signed a new contract at work to increase my hours so will have a bit more income,…
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One4All Rigmarole
This is too long-winded to put down in proper prose, so here are the bullet points instead: 1: Dublin friend sends me €200 in Xmas gift cards. 2. Can't spend in the UK so I ask One4All for a refund. 3. One4All agrees and confirms no fees would apply. 4. Takes 21 days for £142.76 to reach First Direct - £30 under exchange…
