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Dubai short stay
Me and my husband are thinking of a quick trip to Dubai in a few weeks time. We can't take long off work, so would have 3 full days there plus travel time. Looking at hotel sites, and the options are overwhelming! I've been reading up, and it sounds like the Marina area or the nearby JBR beach area might be a good area to…
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£25 Amazon gift card for opening a TSB Spend & Save or S&S Plus account (19/12/2025 to 31/12/2025)
Get a £25 Amazon gift card by doing the following: 1: Click on the LINK (this one is from MoneySupermarket, others may be available). 2: Register your email address with Giftcloud. 3: Click "Continue Purchase" and continue on to TSB and open your Spend & Save or Spend & Save Plus account. - TSB will validate that you have…
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N180 sent via email to DQ email address and CC'd DCB Legal but not logged on MCOL history
Hi all, N180 completed and sent via email on 14/11/25 but not logged on MCOL history. I did receive the automated response from both but wondered how long it usually takes to be logged - thank you!
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Types of pension
Can anyone define the categories of pensions? I only have 3 :smile: Standard life workplace which is no longer active and has no fees except the fund fees. They said I can change it to a ppp if I want to bring in anything else (transfer in). Scottish widows workplace limited funds via Royal mail. Has a nmpa benefit which…
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2024... Debt no more🤘
Hi all, here I go to ridding myself of debt for the final time. I don't want to work forever and would like some good savings before I reduce my working hours. I'm not getting any younger and suffer with various ailments so instead of borrowing I need to pay off what I owe and save instead. Previous borrowing was always…
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Private Healthcare question
I'm thinking about making an appointment to see a consultant with Spire Healthcare. I've seen this consultant before with NHS appointments but I've never used private healthcare before. I could wait months on the NHS and am prepared to pay to see them quicker. My question is, if I go and see this consultant at Spire and…
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Osily oil filled radiators
Has anyone used the wall hung Osily oil filled radiators? Are they any good for a large room? Thanks
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care support fees
For 18 months I have been trying to get my 90 year old mum into a care home but adult social care deem she can be supported at home. She has been safe guarded by the ambulance service twice following falls been in hospital over Christmas three years running, recently left all the hobs on at home with covers and been the…
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Old Style Daily Tuesday 30 December 2025
Good morning everyone.
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Backdating rules for self employed-Class 2
Can those that were self-employed, e.g 2006-2016, fill any gaps needed back to 2006? and pay at the class 2 rate? I have had read other posts and used that information to say i can, but after 3 attempts to put my case HMRC say NO. The last adviser did say a i could write a letter to them but that could take months to get…
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Offset and savings question
Hello all you lovely frugal people. For the first time in my life I have have the option of using some savings to offset against my mortgage and I wanted to run something past you all to see if I have misunderstood or over simplified things (very possibly). A quick overview of my position. 5 Years ago I took some extra…
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DCBL on behalf of ECP incorrect reg
Hi Parked in ECP park October '24 and paid fee but entered wrong reg. Appealed showing evidence of payment, rejected early this year. DCBL sent a claim form beginning of July, and I entered defence two days later before finding this forum, just repeated that I'd paid and sent the payment screenshot again. Spoke with them…
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DBCL notice of recovery.....
Hi, good afternoon. I am new to this... I have been ignoring letters from Gemini parking (there 'single' machine was out of order so i was unable to pay. I did email them to tell them this, but the response i got was basically ''you should of used the app''.) which has now transpired to DCBL chasing me for 6 PCN's. The…
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Letter before Claim - Gladstones
Hi, I have received a letter before claim from Gladstones for a Parking charge from Horizon Parking. They are trying to claim for 3 seperate parking charges when staying at a Travelodge for a period over 2 months, back in August 2024. The total charge is £465.00 with an additional £100 in court fees/ solitors fees. They…
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Unrecognised credit
Hello. I've recently received a credit to my current account from SECCL CUSTODY LIMI but have no idea who it is from nor what it is for. The bank's website recommends contacting them directly but as I say, I have no idea who they are. Does anyone have any suggestions?
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I Park Services Court Claim via DCB Legal - Advice needed
Hi everyone, I hope you are all enjoying the long bank holiday weekend. Please can I ask for some help? After receiving the below NTK in January 2025, I have followed the advice on the Newbies thread - Appealed to I Park Services - Appeal Rejected, Didn't bother with IAS, ignored the debt collector letters. I received a…
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Emailed DQ
Hi, I sent the DQ via email to the address provided in the pack posted to me by CNBC on the 11th of July this year and had the automatic response acknowledging receipt on that date. I have had a letter from CNBC today stating that I have failed to send in the DQ and I have seven days to do so before they set aside my…
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BWLegal collection letter
Hi everyone, i wanted to ask for some help with this please. I parked in a pay and display where parking with a disabled badge should be free, and received a ticket. I went to appeal and show my badge but it couldn’t find my PCN and I forgot about it over Christmas due to being a moron who can’t think about more than one…
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Euro Car Parks have sent a court order and tribunal
Hello, I was issued a Parking Charge Notice on 21/04/2025, regarding a brief entry into a Euro Car Parks site. On the above date, I entered the car park but left immediately upon finding out that vans were required to stay for a minimum of 24 hours at a cost of £26, which was not suitable for my needs. I made no attempt to…
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Cladding instead of hanging tiles
My property is a "chalet-bungalow". The downstairs is traditional brick construction. The upstairs is partially wooden frame with hanging tiles (see picture) and is much colder than downstairs. I recently had to get up on the roof and found that behind the tiles is a black membrane (torn in places), then some very thin and…
