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Advice needed private parking ticket – mediation appointment (Euro Parking / Gladstones Solicitors)
Hi everyone, I’d really appreciate some guidance on what to expect and how to approach my upcoming mediation appointment for a private parking claim. Summary of my case: Claimant: Euro Parking Services Ltd Solicitor: Gladstones Solicitors Ltd Claim issued: 15 August 2025 via Civil National Business Centre (Northampton).…
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Repeated false parking charges from Fforestfach Retail Park
I have received probably 6 if not more false parking charges from Fforestfach Retail Park this year. The car park allows up to 3 hours parking during the day time. They keep sending me letters claiming I parked for about 25 hours. I have never parked overnight and never longer than 3 hours. I always get coffee in the Caffe…
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Fuse energy meter readings
Is anyone having trouble submitting their readings this month? I didn't get the reminder to submit but had remembered anyway. It wouldn't allow me to add the meter photographs. There was no message saying, thank you for your meter readings. I sent them a message earlier today which has not been responded to. The app now…
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Small Claims Track Allocation - DCB Legal/Parking Eye
I've spent some time reading through the relevant threads at the top of the forum to educate myself the best I can, but as this is all new to me, I'd still appreciate some guidance for my particular case. I received below claim form for a Parking Charge that is now 3 years old. I'll be acknowledging service on MCOL at some…
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Avios to Nectar conversion changing
Just had email. Will change in March. Barclaycard avios card will now only pay 0.5% cashback equivalent!
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HMRC Simple Assessment
I recently received a Simple assessment calculation from HMRC, claiming I owed them £5042.80 for the 2023-2024 tax year. I feel like I'm being taxed twice in this scenario ! For this tax year, I earned just under £44,000 from my regular job and after allowing for my personal allowance ( £12,570 ) paid 20% tax on this…
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Ulster - No interest paid?
I opened a limited edition saver last month and no interest has been paid. Any ideas please? Thanks
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Questions about a DMP and £50k in debt
Hi everyone, over the last couple of weeks I've been focussing a lot on getting our debt in order as our outgoings on paying of credit cards is unsustainable now that I've realised we're going about £230 over every month and using credit to pay for food etc. We have around £48000 across 5 credit cards, a £500 overdraft and…
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Personal Debt Advice - Credit cards with some complications...
I owe roughly £50k on 4 different cards. I've done this to live and pay rent because my business has tanked since the pandemic. I have not defaulted yet but i'm only a month or so away from this. I have nothing. No savings, no investments, no pension, and I rent. I've cleaned myself trying to survive the last few years.…
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How much to lay vinyl in toilet
We've bought underlay and vinyl and just want someone to fit it in the toilet. I've taken up the old vinyl. It's about 1.5 to 2 square metres. What's a reasonable price just for the labour?
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Drawing pension without income tax.
My wife has two smallish pensions. One is with Aviva and has a transfer value of £20000 and an AJ Bell SSIP with £7000. She is 65 and has effectively retired. Her state pension is due in July 2027. The Aviva pension only allows full withdrawal or transfer to another scheme. I've worked out that if she transfers the the…
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No claims discount
Hello , I had a car accident recently to which i have admitted responsibility. The other party involved has made a claim for damage. I got my insurance renewal today and the price has increased nearly 50%. I have been on a comparison site to see if I can get a better price. When it says how many years NCD do I have what do…
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Royal Mail - no sign
We have had no second class mail delivery for almost two weeks...First class gets a delivery from a van (every two days)- but they appear to be having problems recruiting postmen in our area, so don't bother........I am waiting for medical stuff from the hospital with no sign of any delivery ..Royal Mail do not deserve the…
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Proof of Funds - old savings. Is PoF a system that Martin needs to look at.
I'll try to be brief! I'm in my 60's & worked in an industry at quite a high level for a shop chain & then another part of the industry through the 80's & 90's - both companies that haven't existed for a long time now. I then ran my own business in the same industry & was saving to try to buy a house without a mortgage. I…
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25 for 2025
It's that time again, as we face the end of one year and embark on a new. So if you're up for a challenge, feel free to join in. You'll know how this goes if you've done any of the previous years, but for newbies the idea is you have a list of 25 goals that you do 25 times during the year or just a list of 25 goals to hit…
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Couple of DRO Clarifications Please
I have been trawling through the DRO posts trying to find a definitive answer to a couple of questions regarding starting one. But unfortunately, I have surrendered and decided to post the questions myself, apologies if I have missed it somewhere 1. I have a number of overdrafts which I have not serviced for at least six…
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Moved: Lack of response from GivEnergy
This discussion has been moved.
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Stamp Duty Land Tax for non resident
Hello. I am getting such conflicting advice and wondered if someone can help. Situation - uk citizen living abroad on 2year work visa. buying a property in uk as buy to let (only way to get on the ladder at the moment - its complicated) 1st time buyer, dont own any other property. I believe person only has to pay 2% non…
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Debt Free In Two Years - It's Now or Never
Hi everyone I’ve been around these forums for a long time, but have been very sporadic for a while lately. The debt is still there and hasn’t been dealt with - but I honestly feel that 2025 is the year I get debt free. My OH and I have just finished paying a large loan that we’ve been paying for AGES. Before this we had no…
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Mortgage pre or post house purchase
Hi forumites, I'm hoping for some advice. I have put in an offer for a house and have a buyer for mine. I can purchase without a mortgage but will need one to do work on the house. When is best to apply? Should I do so before purchase (I have an AIP) or wait until I've moved in? tia
