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Found out I have a CCJ for a parking ticket late 2024
So as I'm sure the title explains, I have (within the last month) found out I have a CCJ against my name because of a parking fine I got last year. The fine I was staying at an airbnb and the host told us we were allowed to use a specific space in a private carpark. They had lost the parking permit, so told us if we were…
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DCB legal ltd solicitors court claim letter
Hi everyone, Hope you can help me out with writing a defense regarding parking fine. I will post a letter shortly after. Long story short : original parking fines probably were delivered to old address. I updated v5 document and then i received Solicitors threatening letters to my new address. So i have no idea how i…
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O/S Daily Sunday February 1 2026
Good morning all.
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Beat My Quote! Travel Agents Thread
What’s this about? This is a special thread where you can ask all the Travel Agents and MoneySavers who frequent this board to beat a holiday quote you have and get personalised replies. The idea is to see if someone can beat a quote for a specific holiday; not just a general price. So you need an exact quote. E.g. "I've…
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Zero Rating Buyer for Expensive Shoes UK
Good evening, I would welcome any advice as this is the first time I have sold something expensive. I have had on ebay a pair of brand new shoes for a while. I wasn't in a rush to sell them, so they've been on with a buy it now price for well over a year. I have just had a notification come through to say they sold,…
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Parking fine from 2023
hi new to this but getting really fed up with this issue. I’ll bullet point so as not to bore people but can provide more info if needed. 1st Alleged parking contravention 03/10/2023 no ticket, letter about 23 days later from smart parking. 3 hours free parking, I was 9 mins over as was in Q to leave. 2nd one as above 14…
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UKPA - Moorside legal - Money claim online
Hi everyone. Worked on a building site in metoer retail park, derby, last year. single road going through with an entrance/exit each end and main car park to the left, building site fenced off to the public and no parking signage put up within the confines of the building site. ANPR on entry and exit of the road, not the…
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SIPP “Notional split”
I expect this has been asked multiple times but please bear with me seeking clarification. I have a SIPP. Let’s apply some easy numbers to it for the sake of calculation. I have £400k in my SIPP and am due to retire. I initially want £25k as a tax free lump sum. So I need to crystallise £100k to get my £25k TFLS. Am I…
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EBay tracked Royal Mail delivery scam
I bought a phone on eBay and it was sent via Royal Mail 48 tracked delivery. I have not received it but tracking says it has been delivered showing blurry picture of a different door. Someone was at home all day and I have ring door bell and cctv - no footage of postman on that day, no card anywhere either. EBay quickly…
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Export tariffs - FIT, SEG, Octopus Outgoing Agile
I was a Green Network Energy (GNE) customer and have just emerged from the transfer to EDF as Supplier of Last Resort (SoLR). I still need to get my GNE closing bill but my EDF account is fully functional, which has let me sign up for smart meters (don't all shout at once). One of the questions EDF asked was whether I…
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tax liability on LSDBA for multiple payouts & beneficiaries
A relative died recently at age 55 and left two pensions, both of which count toward the LSDBA. He had 100% of his allowance available when he died. Individually the lump sum death benefits are each below the LSDBA, combined they breach the limit. Each lump sum was paid to a different beneficiary. The first was paid out in…
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Best way to make an uncrackable passphrase, using What3words
The most important thing in a passphrase is its length, not using 'Capital letters, numbers, and symbols', like you so often hear. So a passphrase such as "responded impressed licks Theoldmiser444" is uncrackable due to its length. If you want to make a secure passphrase, just go to What3words.com, which is a website that…
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Lumiona's MFW Diary
As a forum lurker, I'm not a threadstarter but I figured like many of you that a diary is a good accountability method. Ok so here goes: Backstory, we moved to our current house in 2006, bought for £178k mortgaged at £130k for 30yrs. Interest rates were high monthly payment about £750, went up to nearly £900 at one stage.…
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How long before mortgage fixed-rate expiry to sort out (reduce) credit card usage?
I have a mortgage fixed-rate expiring in April 2027 (joint with my husband) I have been making full use of credit cards for spending and BTs etc, and for some reason my full credit available is over my annual income (about 120%); not sure why they let me but it did get us over some massive expenses. Have been paying it…
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British Gas wants to fix my gas meter that works fine.
Does anybody know how to stop British Gas pestering about a smart meter. I have had umpteen phone calls and emails that I have complained strongly about but now I'm getting a text message almost every day. It's unwanted harassment and ought to be made illegal. They always say my meter isn't working which is nothing but a…
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Group Nexus PCN, keeper, but not driver. Two car parks adjacent with shared entrance.
PCN received from Group Nexus. Date of parking: 18/11/2025 - allegedly between 11:43-15:14 (3hr 30min) Date of issue of PCN: 25/11/25 I am keeper. I was NOT driving (easy to prove if needed. I usually drive a different car + was working in a different town that day). The site in question has TWO car parks adjacent. One is…
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Civil Enforcement PCN finally Cancelled (by CEL) 🎉
Me and the driver went to have a curry back in Feb this year and ended up with a parking fine. So we were in a restaurant/pub we'd been to before on 25th Feb in the evening. We spent about an hour in the restaurant, just the 2 of us. In April we received a PCN dated 15/04/24. Saying we'd failed to obtain a permit in…
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PCN from National Parking Control for staying 20 min over my 2 hour paid parking slot
I paid for 2 hours of parking but I think exited the car park 2 hours and 23 minutes after I entered so overstayed by 23 min. Didn’t realise they have plate entry/exit system. Anyway just recover this PCN and I’m obviously !!!!!! because I paid for parking just didn’t realise I overstayed slightly. What should I do?…
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First Direct - what’s all the hype?
I finally decided to switch bank accounts from Santander to First Direct, and take advantage of the switching incentive. First Direct had been hyped as having excellent customer service and I had no reason to suspect otherwise since all the reviews seem to be pretty glowing on MSE. I opened the account mid July 2025 and…
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Stockbrokers for Investment Clubs Sep’25
I’m a member of a longstanding Investment Club. Our Broker, ii, has just given us 2 months notice that they are ceasing service for Investment Clubs. Can anyone suggest an alternative Broker please?
