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ECP/DCB Legal case 2025 mediation call - disputed Pay by Phone Transaction
Parking event 20/06/2023 at car park managed by ECP (APNR controlled}. Breach of Terms and Conditions "Vehicle parked without a valid Pay by Phone Transition" As I had no phone with me, my daughter attempted to pay. First 2 hours free then following hour over was a £1 charge. I knew I was over their 2 hr free period (Time…
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Uncashed cheque: binned by mistake
Hello All. As always, I return to this forum when I don't have anywhere else to turn to. Right now, I’m
in an absolute state of complete anxiety. I didn't sleep last night!
I’m totally frozen! Help!!! I was tidying up the folder as it was long
overdue, shredded junk mail and general rubbish, or so I thought.
Then realised…
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Boots - no points added if you redeem a recycling coupon?
It isn't mentioned in the T&Cs but looks like boots doesn't give you points if you redeem a recycling coupon. Checked online and at least a couple of my products qualify for the usual 3 points per £1. All 3 earns below are separate transactions on different days. Spent at least £10 on the ones where i earned 500. I don't…
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Missed appeal deadline for Heathrow T2 drop off APCOA parking charge
Forgot to pay the drop off charge in early August and received the notice promptly from APCOA a week later. Then received a debt collection letter from Debt Recovery plus and didn't pay that either (by early November). I have read the newbies thread post 4 and it says to just ignore. If it were mine i would, but it's in my…
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Mid year pay rise moving to higher income tax rate. What effect on interest earnings?
Hi all! I'm a teacher and my current salary puts me on the standard income tax rate currently. If all goes well this year, I'll be getting a pay rise so I'll be earning just below the higher income tax rate, by £50 or so. This means I'll be able to earn £1000 of interest tax free, which I've already planned out with my…
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So much for winning your case if you have proof of delivery!
I always thought that if a buyer opened a case against a seller for non delivery that you were safe if you had tracking showing proof of delivery. I had a buyer purchase one of my items, nothing major £7. He paid on the Tuesday night and I posted Wednesday morning. However, Tuesday lunchtime I get a message ' I want a…
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No point with hotpoint?!
Hi all, looking for some help with hotpoint. We have a washer dryer that is 18 months old. It was first repaired about 6 in as it was leaking. 2 weeks out of warranty, it started leaking again so we took extended warranty and called them out to fix it. The day they were due they showed up almost 3 hours after our time slot…
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CETV for DB pension for divorce
Hi hoping someone can advise on whether I’m missing something. I’m preparing for divorce and want to know the value of my DB pension. It’s a closed private sector DB scheme administered by WTW. I’m a good few years before I can draw from it. It’s about £26k/y last annual statement. I also have DC components in the same…
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DRO pre application worry.
Hi, step change have recommended a DRO for 45k of mainly Ccard debt. i have an overdraft in a joint account, what should I do about this. How are mobile and device (in contract) handled, step change left it in my budget.? Also this is the first month my Ccards have come off 0% and I’ve never missed a payment (switching and…
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Three parking fines at Tesco Hove by Horizon
I have recently received THREE PCNs from Horizon. I am the keeper, not the driver. I have successfully appealed on the PCN issued on 13th Oct 2025 for a parking event on 23rd Sep 2025 (the first parking ticket, received by post around 20th Oct), quoting their PCN was not compliant with POFA and also attached a shopping…
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A Totally FREE Christmas 2026
Totally FREE Christmas 2026 A very warm welcome to everyone <3 The object of the Total Free Christmas thread is to think creatively about how to reduce the cost of Christmas down to it's lowest cost which is ultimately totally FREE. Christmas 2026 is no different to 2025 with the exception of a very sad increase of what is…
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Bricks Not Books
The first day of a New Year seems like the best time to start this diary! I was on this board under another name for a number of years, but I felt like a change of name as well as a change of diary, so here I am! Completed on new home with OH in December, we haven't even owned it for a month yet. But we have a mortgage of…
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Should I go off-grid?
I live in quite a modern house down a road with lots of other houses on the outskirts of town. I believe the house has been supplied with electricity and gas ever since it was built. Until about five years ago, I used ebico to supply my energy. It was great because there was no standing charge. By not heating my house and…
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Saving for granddaughter, have I missed anything?
Hi We're currently squirreling a bit away each month for our granddaughter who will be 3 in Feb. Plan is to give it to her when she's 18. We've just been putting it in a high interest easy access savings account up until now and she's got about £2K. The plan is to add £60/£70 a month to this for the next 15 years. My…
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Finally learned my lesson
Hi, I have been in debt since the age of 18. I am 49 now. I am paying off a DMP with 6k left. I have 5 credit cards, all with a 0 balance. I log on every day and it fills me with joy to see a 0 balance. I use them but pay them off in full every month so I never pay any interest. This is my 3rd and final DMP. I'm so happy…
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APCOA PCN Manchester Airport Drop-off
Hi Guys, I recently received a PCN notice from APCOA about a drop-off at Manchester Airport. I know you can usually ignore APCOA, but I don't want it to escalate into a CCJ and affect my credit score. I've also been advised to appeal to APCOA, not admitting to who the driver was, and also asking them to provide the…
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NHS Voluntary Redundancy
Hello, this is my first post :-) I'm after some advice about ideas for a managing a potential redundancy package. In a couple of months I will find out if I can leave the NHS through a VR scheme. I have long service (25year+) and I am also a high earner (£80k+) so I would get the maximum package but would like to hear if…
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Admiral Law Refusing to Pursue My Non-Fault Claim – What Can I Do?
Hi all, Nice to meet you all virtually. This is my first post so please be kind. Looking for advice on what to do next regarding my insurance claim. Context My wife was in a non-fault accident: she turned left out of a garden centre and came to a complete stop to let an HGV exit a yard. The HGV then swung wide and hit the…
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is it worth extending share of freehold lease?
Hi all, I’m the new (first-time) owner of a flat in London with a share of freehold and about 86 years left on the lease. I’m wondering whether it’s worth paying around £1,500 to extend the lease now. I’d only need to cover solicitor fees for a 999-year extension. With the upcoming leasehold reform, I’m unsure whether this…
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SIPP part Crystallised and Future Contributions
Hi All, I'm getting confused on what my limits are for contributing to a pension after I part crystallise and take a 25% lump sum. If for example I have £400k in my fidelity sipp, and I crystallised £100k of this I belive I have two pots.. one of £300k and one of £100k. If I then take £25k tax free out of the £100k pot,…
