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A Totally FREE Christmas 2025
I thought it might be interesting and worth while to create a new thread:A Totally Free Christmas 2025A totally FREE Christmas involves some gifting sacrifice, recycling & upcycling the old, online cashback sites, and saving up supermarket loyalty points etc from different Supermarkets using phone Apps. Feel free to make…
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Will v No Will
Asking on behalf of a friend. What are the major differences between somebody dying with a will v dying without a will in respect of cost and time taken to apply for everything? Assuming the deceased is widowed, no house to sell and has two adult sons who would split the estate equally. I can’t really see a great…
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Legal aid compensation???
I have seen news articles recently where a whole bunch of legal aid information was stolen including pretty much everything about the person involved. I used legal aid during the last 10 years and my data will have been stolen. There are a number of adverts that pop up on social media saying that people can make a claim…
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Gatehouse transfer in
Does anyone have an experience in GH paper transfers in? I applied for 4.21% fixed and requested full transfer from Teachers BS. At the end of my application GH asked me to download, print, sign and post transfer form. My question is - will GH accept a signed form sent by e-mail as an attachment? TIA
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3 - 6 month Emergency Fund Challenge (part 2)
Hi All, I hope you all had a lovely Christmas. As we go into 2019 we are moving forward with the 3 - 6 month Emergency Fund Challenge and as such a shiny new thread here for part 2. The old thread is here. Your goal can be as much or as little as you want. Some aim for 3 months spending, others 3 months income or even push…
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Insurance Policy Wording or Insurance company representative?
I'm planning on going snowboarding next month and am trying to buy an insurance policy. Most multi annual trips limit winter cover to 17 days, and single trips either cover the entire length of the policy, or state otherwise. The insurance quote I'm looking at is underwritten by AXA - who I've used before because their…
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Sump removal?
It's good to watch the videos of wet belts being replaced. My Vivaro 2013 has a chain, has just past 80k miles, so not due yet. Is it a good idea to remove the sump on all vehicles in order to inspect things, as they do in the videos. Is it standard to move the sump on wet belts, is it simple?
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Vehicle into front wall
Never thought id be writing this but a neighbour has reversed off their drive, over a rockery and large bush and then into my property. They have damaged the front wall/ windows and pushed a radiator off the wall. You could see the vehicle through the wall! The vehicle was brand new (75 plate and had just picked it up) it…
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PCN Questions
Hello, I recently received a PCN as the keeper of a vehicle which I dispute. The car park required you to register for a "permit" by inputting the registration number inside the building which was done, however I still received the PCN. I have been reading over the Newbies thread, as well as some other posts, and am…
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How to get markers off my car insurance database when car insurance companies deny they did it
Dear Forum, I would really appreciate it if someone can help. I will try to keep this succinct to not bore everyone but I can elaborate if more information is needed. I have a screenshot sent by email by a We Got You Covered car renewals call handler showing I have three markers under "cancelled insurance". This can only…
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Judgement in Horizon Parking case
First, thank you to all the people who must put a ton of hours into helping people in this forum for not much return. I never started a new thread on my case because I was embarrassed that I had adopted an IGNORE policy based on my own understanding. The matter did proceed through MCOL and at that stage I lurked in here to…
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Received court claim for a statute barred debt (Cabot / Mortimer & Clarke)
So I received court claim documentation for a defaulted debt from around 9-10 years ago. Mortimer and Clarke "solicitors" have recently started hounding me about it and sent the claim through the other week on behalf of Cabot Financial. I have never paid a penny to Cabot Financial towards this nor ever admitted liability…
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ADVICE PLEASE - Gladstones solicitors LBC behalf of minister baywatch
Can i please have some advice, i have recieved a LBC from gladstones, my NTK seems to be pofa compliant like the one posted by coupon mad, how should i respond to the LBC? i've exhausted all the other avenues of appealing, POPLA,complained to the company, complained to BPA, spoke with manager at the site who agreed to…
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First time poster: Received a DCBL Debt collection fine despite proof of parking
Hello, first time poster here in need of help. On 9/9/2025 at 10:30pm, I used London Colney Fields Shopping centre Car park to go to the PureGym in the shopping centre late at night for 1hr 15mins. The parking restrictions there is 10am-10pm and after 10pm, it's 10 mins free parking. There is a machine in the PureGym to…
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Parking fine appeal to popla or pay?
Hello All, I'll try and keep this short. On a rainy Sunday we parked in an EMPTY doctor's car park thinking it was ok and didnt notice the signs until after we returned to the car. So I guess we're banged to rights? However, I think there's more to it and I feel a little disgruntled, because the signs in the car park say…
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Opinions on 1st Central Insurance?
Hello all. This week I have paid in full for an annual insurance policy with 1st Central as they provided a sensible quote, Defaqto ratings seemed to check out, and policy cover was within my requirements. The policy doesn't start until the 26th. I have since come across some very bad reviews about their practices, that…
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Large sum to invest, but querying if SJP is good value
Hi there. I am due to retire at the end of the year and in addition to pensions etc. I have a large lump sum I wish to invest. Current situation * I am 53 and will have no income from the end of the year * House is owned outright with no mortgage or debt * I have apx £1.1m in cash deposits * I have a further £200k spread…
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Soldering iron / kit for electronics.
My husband has asked for a soldering iron for Christmas, but whilst I'm familiar with silver soldering using a blow torch, and did soldering of electrical items at school... I'm a bit confuddled by the different options available. I'm hoping this is the right board to ask this question. Budget is circa £200 although…
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Cash ISA consolidation
Hi all, apologies in advance for what might be a subject discussed before but I have searched and can't find the answer. I have several fixed term cash isa's with different providers which all mature on different dates. Id like to have them all in one place so I'm looking for a new provider that will accept multiple…
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Backpay on pension for women
My mum passed away a couple of years ago and then I saw about women possibly missing out on some pension if they were a certain age. I read it fully and also realised, as my mum was poorly, a lot was going on after my father passed away within weeks of going into hospital, we had never claimed the extra top up she was…
