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Mortgage
Hi i have and outstanding mortgage with 1year left, due to having to give up work to look after wife, I have been on benefits, and only paid the interest on the mortgage, I have PPension with a fund in excess of what I owe dan I use it and what are my pitfalls. Thanks
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NST OCTOBER 2025 Optimism, Opportunities and Overcoming Obstacles
NST OCTOBER 2025 OPTIMISM, OPPORTUNITIES and OVERCOMING OBSTACLES September wasn't great for me, I've only had one symptom free week since the beginning of August and had a mental health dip as well. However I'm determined that things will get better and have decided that October is a time for OPTIMISM, for grasping any…
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EDF existing customer and Topcashback, double dipping success.
On 27th March 2025 I used TCB to select a new tariff to start 1st May, the £50 cashback appeared in my account within minutes and was paid out on 2 July. The tariff was one of their "no exit fees" versions and the requirement for the deal was to remain on it for 3 months. As that was just up, had a look at TCB and found…
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One Protect Insurance
Has anyone had experience of this insurance company? I have made a claim on my insurance with them for damage to my car. Totally my fault but they have agreed it can be repaired by their 'accident management company' have just told me they will only pay £1750 to have it repaired. My local (and very good) garage has…
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Motability vehicle written off and replaced - what are relevant consumer rules?
Hi all, My partner's car was unfortunately written off, not his fault, and it was a peugeot e-208 with an advanced payment of £899 due to being a more 'premium' model than the free options. We have had the 'like for like' replacement car ordered and bought last week, however the price of the new car had increased in the…
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Insurance prices dropping??......any reason why??
After 40+ years of car insurance going up every year (since obtaining full NCB), this year both our car insurances have gone down, (not even changed insurance company). Just wonderijng why this would be??
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Met Parking Stansted Popla Appeal Draft
Hi I've put together a draft of my Popla appeal against a parking penalty from Met Parking Southgate Park. I created this by taking information from other appeals. l would appreciate any advice as I'm not sure if I am doing everything I need to do. Dear
Sir/Madam As the
registered keeper, this is my appeal about a Penalty…
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HELP Needed with Smart Parking DCB Legal Claim
Hi everyone, I’m looking for some guidance regarding a court claim I’ve received from DCB Legal acting for Smart Parking. Background: * On 05/07/2021, I parked in a car park while visiting a curry house. * I asked the restaurant owner where he parks, and he told me to park at the side of the curry house, which I did. *…
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Solar Panels and analogue meters
Hi All New to the forum and I have a query someone may be able to help me with. I have solar panels and an analogue meter with Octopus as my supplier. There is a known problem with this in that the meter can run backwards if more energy is being exported to the grid then is being consumed. Octopus have requested a digital…
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MSE News: Asda launches first-ever loyalty scheme offering discounts on groceries
Asda has rolled out its 'Asda Rewards' loyalty scheme nationwide after trialling it in a small number of stores in England. The move means shoppers across the UK can now earn money-off vouchers to use towards their shopping at the supermarket chain. Read the full story: 'Asda launches first-ever loyalty scheme offering…
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DCBlegal Letter of Claim just received
Hello, I've just received a letter of claim from DCBlegal ltd. They outline the 30 day period and its £170 charge blah blah. I've searched the forum for the email address to send the templated response to and came up with: info@dcblegal.co.uk is this correct? I'm happy to take this all the way as the PCN was sent to my old…
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Parking charge from PCS - no images (SUCCESS)
Hi I just received a letter in post from PCS on behalf of the creditor - Parking Enforcement and Security Services for a parking charge of £60. It states the PCN time of issue but when I have clicked on the link to watch the photos/videos, there's nothing there on the website. (Removed by Forum Team) Could you kindly…
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Consultation Claims car finance emails - scam?
Been contacted twice by a company called Consultation Claims regarding a car finance claim that they allege I've made with them. Latest email had contractual documents attached that are allegedly signed by me 'for my records'. A few points: (1) never heard of them, never had any contact/made a claim with them in the past…
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PRA Partial Settlement
Hi. This is my first post on here. I entered into a DMP around 3 years ago for multiple credit cards. I have since sold my house and have money to pay a good chunk off so contacted the debtors myself seeking 'partial' settlements. One debt was with Morrcroft who have accepted £2K for a debt of £2,900 which I have today…
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PRA Offer
Hi, I have been waiting for a Barclaycard debt to default, and was then going to start paying. I was considering a CCA request for this debt as it was from a 2012 credit card. PRA have bought the debt and have offered a 65% discount (it’s £2500 originally) if I pay it over 6 months. I could just about afford this, it says…
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UKCPS NtK No Stopping Charge- Leeds Station
Hi all, Starting a new thread for the below parking fine that I've received through the post from UKCPS. I drove through Leeds station car park (it's kind of cirlce route to go in then out again) and stopped for approximately 2 minutes to pick-up somebody who got off the train. The picture (which I've removed in case can…
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Delay in service with car fault
Hi all, I’m looking for some advice on whether there are any escalation routes or rights I have as a consumer which could help my situation. For context, my car is 3 years old and I am 3 years into a 4 year PCP contract. I have done fewer than 20000 miles and I am under warranty. I took my car in for a safety recall…
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Does anyone have any feedback on Hastings Direct?
I've just come to look at a car insurance quote from last week (previously £800), and now hastings has popped up with a quote of (£350). I've not changed any info and on all previous quotes I've not noticed hastings. It seems too good to be true really.
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1 year fix deal
I recently moved house when doing the switch on the phone with Octopus I was offered a 12month deal that looked great, it was 2p less for elec, 1p less for gas, and both standing charges were 3-4p less per day. at the time I was in the middle of setting up the export tarrif , and was supposed to call them to check if the…
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PCN resulting in CCJ against my name – advice needed
I recently discovered that I have a CCJ against my name, and my credit score has dropped significantly. This all started when I stopped at a petrol station and received a PCN. I ignored both the PCN and a letter from the solicitor acting on behalf of the parking company. Now I’m unsure what to do next. What happened * A…
