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Nearly there - What would you do?
Hey all, So my wife and I have been working hard over the last few years to become debt-free after many years of irresponsibility. We no longer have any personal loans or credit cards. We do have a mortgage and a couple of PayPal pay-in-3 agreements, but the figures are all smaller and manageable. The issue we have now is…
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Are my pensions going to be enough?
I'm 50 Top photo is from a place i worked at for ten months Bottom photo shows my Aviva private pension; pay £120/month into it. Payslip shows my current payments to a workbased pension, can I ask them to increase this? How much am I getting off it? Any good? How do these compare with police/pcso/nurse pensions I heard if…
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Would you expect house insurance to pay out for this?
Not me, thankfully, but someone I know has water coming in to their living room quite bad above the window. They have a crack around their lintel area. Not in the recessed bit where the window frame will be but on the face of it as you'd stand in the living room looking outside. Water is coming in through this crack.…
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Claim form for PCN - help with defence
Hi. Please can anyone help? First time at this - hopefully I've understood how to do this correctly and I believe a new thread is right? I've received a claim against me for a PCN (DCB legal/ Excel Parking). I'm completely new to anything like this and feel nervous, bullied, but also that I need to stand up for myself. I'm…
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Lloyds Third party mandate process? & can't find the form online! where are they?
For a Lloyds bank current account customer if they want to add another family member to that account so that they can access the account and use it for banking can't seem to find this third party form online. A Third party mandate is needed, NOT a power of attorney (which the bank also offer customers to add to their…
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Universal credit - how will being executor of my mum's bank account affect my benefits?
I'm on universal credit (disability related). My late mum made me the executor of her bank account, so it's my job to have her savings transfered into my bank account and then share it out with my siblings. Will the DWP treat the entire amount as my income, or only the part of it that I keep for myself?
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Lowell /resolvecall
Hi i have a statue barred debt, I sent a statue barred letter to lowell and they just kept coming back with discounts via letters I never responded, I have been having text off resolvecall and today a letter do I send a statue barred letter to resolvecall Thank you in advance for any advice
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Help with dying jeans
I have two pairs of jeans, sold as black but they are more a dark grey and I've realised that whilst very comfy I have hardly worn them. The blue ones I bought at the same time are nearly worn out. I have gone down an internet rabbit hole trying to find out if they can be dyed properly black. So much conflicting…
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O/S Daily Friday January 30 3026
Good morning, it's cold and damp as usual here. This tablet that I'm posting on seems to be on the blink so I'll keep this short. Unwanted letters are appearing in the middle of words and capitals are doubling. I'm doing more correcting than anything else. Thoughts to our sad and poorly people. Take care folks whatever…
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Estate agent cancelled house viewing
So in 2024 I viewed a house but was told I hadn’t sold so couldn’t go ahead. In 2025 I offered on a house and sold mine within one viewing and one day. They pulled out. Now in 2026 despite explaining this to the other agent I had a viewing booked and later cancelled as they wanted a chain free sale despite the seller…
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Fixed energy tariffs and the price cap
Hi, my current tariff expires a week after the planned announcement for the energy price cap changes. Normally I like to get ahead of these things and sort it a month in advance, however I'm wondering if the price cap is predicted to go down is it worth waiting until after the announcement to see if the fixed prices are…
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PPC, SIP Signs
Hi all I am fighting a claim from, PPC SIP on behalf of my daughter, which is from 2022, I have read and read and have a good idea how to deal with these I have been sent a copy of the sign, on the sign there is no mention of who they are accredited/affiliated with, what I have read is that if they belong to an accredited…
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Cheapest Train Tickets
Hi I am trying to find the cheapest train tickets from Wigan to Carmarthen any help we can travel this weekend Friday Saturday or Sunday even Monday and want from approx 8am as its quite a long journey. Any help would be appreciated in finding the cheapest for one adult. TIA x
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Running small business from home - home insurance? Business insurance? Both?
Hi! I started a small 3d printing Etsy business which has some what taken off. I have registered the company as a sole trader. My home insurance is up for renewal and I'm not sure what I need. Obviously I will get home insurance, but does this need to cover the business too? Or do I get standard home insurance and get…
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EE are moving existing "CPI" customers over to pounds and pence
Just an FYI, as I can't see a discussion on this - EE are moving existing customers over to their fixed amount rises. I've just had an email through myself. Long time monthly plan, way out of minimal term so I presume they can do what they want. Currently paying EE £10.50 a month for a simple service with CPI+3.9 (i think)…
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Child spending money
My teen (15 years old) is off to Disney Land Paris with school in Feb for 4 days, they can take 75 euros in cash but have been told to take any more on card. So what is the best way to do this? She has a Lloyds current account but I dont think you can add Travel Smart on to it as it is a U19's account. We would probably…
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APCOA Penalty notice – forgot to pay – Luton Airport Parkway
Hello all The registered keeper received a penalty notice of £60, rising to £100 after 28 days, from APCOA after forgetting to pay for parking for a day rate at Luton Airport Parkway. The registered keeper is semi regular user of this car park and always pays, but in this instance forgot. Do they have any ground to stand…
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DCB Legal letter of claim
Hi there, I have been ignoring correspondence on this since late 21 or early 22, but have been away over the Christmas period, visiting an ill relative abroad and have come back to a letter of claim ( the first to my knowledge ) although I no longer have the car and it was registered at a different address anyway. With me…
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Llangrannog victim - OPS / Moorside Legal
Hi everyone, New here, though I read through a lot of threads before signing up for an account. I can confirm I have read the newbies thread in full (several times!) to try and understand what I need to do to beat these parasites if I end up in court. My wife and I went for a short break to West Wales in July last year and…
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GoFibre unable to move BB to new home - early redemption penalty!
My elderly mother has broadband with them and due to health issues is having to move to a more suitable property in the same Town. She phoned up today and asked for her broadband to be transferred to the new property. She gave them the address details and was informed that their services were not available at the new…
