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Over 100k in debt due to Gambling Addiction.
Hi 👋 all, I recently got myself cured from a very severe gambling addiction.I praise GamCare for the work they do and help people get out of this vicious addiction. Now I found this lovely community and looking for some advice in hoping I can find a way out with all the debt I accumulated . The 108k debt which is between…
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Confused - Standard Security and Deeds
I'm looking for some help understanding terminology and process. Back in the 1980s my father bought a building with the Bank of Scotland providing the money. I believe they referred to is as "Standard Security" so they could sell the building if my dad defaulted though I'm unsure of it's meaning. The building was built…
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Options for preserving PCLS
I want to help my daughter buy a flat, using my 25% PCLS. I'm 58. This is a DC pension. This money is needed in the next 1-2 years. My pension total has just achieved the target value for the required PCLS. I'm worried about an imminent market crash that could set me back a long time. So the options I'm considering to…
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Cleaning headlights?
Hi all, This is a frequent MOT failure on my car. I can clean them before as best I can but still fail and the mechanic has to use a process with a special drill polisher tool etc. He suggested last time considering changing the actual headlamps themselves but that doesn't look like a cheap option. Can anyone recommend…
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DCBL letter private parking
HiI am new to this forum. I received a letter from DCBL, dated 24th September 2025, saying 'Notice of Debt Recovery - Unpaid Parking Charge £170.00' relating to a parking charge 21.04.2022. The letter reads 'we previously wrote to you at a different address but did not receive a response. We therefore utilised a tracing…
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Halving our income and still aiming for mortgage free!
Hi everyone, A long time lurker of DFW forum, and then here. Finally starting my own diary as I feel it will help keep me on track! As the title suggests we are halving our income as I have resigned my job in order to keep sane and support DD with home educating for the next year. The last two years we have managed to…
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DCBLegal response to newbie template!
Hi, Posting this on behalf of my other half who's been trying to contest a LOC sent by DCBLegal. They've had this response through after using the template in the newbie guides. They're not too sure what the next step is after this and are getting a little bit worried about whether they'll need to pay! Any advice would be…
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MSE EnergyClub - Waste of Time!
I am a member of the MSE EnergyClub. On Oct 1 I actioned a switch from OVO to British Gas Collective Nov26 . Nothing happened British Gas claimed they had not been notified. I contacted energyclub@moneysavingexpert.com Oct 6 and was told that they should have been notified and that they would get them to contact me - well…
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Weekly Flylady Thread 27th October 2025
What is FLYLADY? Well, it's our
version of the US flylady idea - but we work on the principle that housework is
not fun, it's boring, can be time-consuming, is often thankless but,
unfortunately, necessary. It's here on Old Style to provide the support we all
need and to make the whole task easier and quicker. We also…
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ATM exchange rate wrong way round?!
Luton Airport Departures ATM. Surely they’ve got this the wrong way round. 100 Euro should cost £80-90, not £124.93. I’ve heard of crap exchange rates and charges but this takes the biscuit! The ATM is run by The Change Group, which on their website is quoting €100 for £89.04. Is this human error inputting today’s exchange…
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Open Cash ISA without Photographic ID
I have tried to open a Cash ISA with Trading 212 for my sister but she has no photographic ID. Does anyone know of an ISA account which can be opened without this please?. It seems very unfair that those without this means of ID are excluded from getting the best rate. Thank you
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Avon Requesting Deceased Mothers Debt
Hello, I am new to this forum, although I have used MSE in the past for help with other matters. My mother died a few weeks ago and I am the executor, as her eldest son. I knew she had an Avon round, but I expected a letter from Phillips & Cohen associates requesting her estate to pay £200 for the balance on her Avon…
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Advice needed
This discussion was created from comments split from: What to do with £100,000.
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DCBL, Smart Parking, Court Claim 2025
Hi , I wonder if you can help , please. I have followed the threads on here as best as I can. Back in 2020, I used a car park I had often used. I am a Blue Badge holder and we had to pay 70p per hour. This particular day, the machine said "Cancelled. Printing Failed". I knew a lot of car parks were suspending payments…
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HSBC Premier changes
So I've had an email this morning about changes to the eligibility rules for HSBC Premier accounts. I know these changed for new customers last September, to the £100k income or savings thresholds but I'm sure they said that this would not affect existing customers. This morning's email directly contradicts this and states…
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DCB LEGAL QUERY
Hello! Thank you for all the information via this forum, I’ve successfully managed to get a friends parking fine cancelled however, ironically, a historical one of mine has caught up with me and I’m now trying to fight this. Long story short, DCB Legal have sent me a letter of claim, I have the beginnings of an email…
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Bit of a unique situation re a Private parking invoice
2 and 1/2 years ago I received a NTK from a car park that I had parked in whilst on holiday. However I disregarded this because the 'evidence' that was supplied was a photograph of a different car with a different VRM(obviously) to mine. Also, I didn't receive a invoice on my screen at the time of the alleged 'offence'. I…
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Daisy's Debt Free Diary [30F/Autistic]
Hi everyone! After spending some time lurking and reading other DFD's I've decided to start my own to track my journey to becoming debt-free. Right now, my total debt sits at £3,124.06, spread across two CCs: * Card 1: £826.70 (0% interest until 8th September 2025) * Card 2: £2,297.36 (0% interest until 17th January 2026)…
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Leeds Station - No stopping NTK (UKCPS) - PoFA relevant land?
Here's another one from the recent no stopping changes at Leeds Station. I won't go into the details as there's quite a few of these on the forum already. However, I have noticed that the letter was headed with 'non-PoFA'. To use their own words against them, surely this simply means they have given up on the one legal…
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TR1 Form + Will Question
Good afternoon, My father passed away and left me his share of some land that he has a 1/3 share in with his 3 brothers. I was out of contact with my father for a number of years and in turn was out of touch with that side of his family and still have no significant contact with them. A few weeks after his passing it was…
