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Smart Parking website won't allow me to pay?!
I received a NTK by post on 18/9/25 for an alleged parking violation on 31/8/25. The letter claims that the issue date was 9/9/25 (leaving a very short window for the discounted rate). We initially went to pay on the website but the payment page will not load. Nor will the appeals page. We are actually not minded to pay as…
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do I pay off one debt first or do I try pay them off altogether
I have two out standing debts - EE which is £837 - ACI - £2600 I am currently paying £150 towards each of them. I have worked out my finances for next year and could possibly pay £200 towards each of them till paid off. my partner suggested i focus on getting one paid of first instead of attempting both, but I would really…
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DMP, maxing credit and full and final offer
I have been reading through all the DMP posts and I see someone asked should they max all their credit before starting their DMP so they have a large emergency fund and can make full and final offers? Is this a route anyone takes? How early in could you make full and final offers? If you have a little lump sum available…
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No Buying Unnecessary Toiletries December 2025
If your beauty and toiletries are taking over your life, then this is the thread to help you work through the stash and motivate you to not buy anymore (hopefully!) Welcome all newbies and regulars to this very friendly and chatty thread where we give lots of lovely tips on how to use up your stash and lots of support and…
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Are you planning for a stock market correction
It is often said that failure to plan is planning to fail. Right now lots of people with stocks , particularly certain trackers and tech are anxious about a big correction, it almost seems inevitable and a big one could be followed by years to recovery, another lost decade maybe ? But many seem to be very relaxed , citing…
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Medisafe app no longer free from January 1st 2026
I've been using the Medisafe app for several years to keep track of my medication and supplements. I've found it very useful to prevent me forgetting, overdosing or totally forgetting a med name during a medical appointment. From January 1st 2026 users will have to pay a subscription fee or lose access. It's a fairly small…
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British Gas login problems
I have been unable to log into my online energy account for about 3 weeks. On my laptop, I get the error "Sorry, we're having technical
problems at the moment. Either stay
on this page and try again in a few moments, or please try again later." On the iPhone app it's "That didn't work. Your email and password are not…
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IVA - my story
Around three years ago, after experiencing some financial difficulties, I applied for an IVA. At the time, my debts totalled around £6,500. My monthly payments are £385. After three years, I had already repaid almost £7,000 to my IVA. I asked my IVA company - around 7 days ago - how much is left to pay. They replied: It…
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Received Horizon Parking Charge for Tesco Parent & Child Bay
Hi all. I got the parking letter today for the car being parked in that bay last week. I have read the Newbie FAQ posts but its very confusing as there is so much posts in there I am not sure where to look. Are Horizon letters still non compliant with POFA? If so, shall I use the standard template? The letter I received…
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First time self assessment for property income
Hi, sorry if this question has already been asked. It's my first time doing a self assessment for property income so just getting my head round all the questions etc. I have a jointly owned property so obviously we have divided the income and expenses. My income would be below £5,000 before expenses due to only getting…
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Mortgage free in Forever Home :-)
Hi All, This is partly for the benefit of @Cheery_Daff who has nudged me into posting. 😊 I’m in a bit of a pickle and I need to get on top of it
before it becomes any more serious. I am inherently a spendthrift, it’s always has been my way. In
my 20’s I ended up in a lot of debt relative to my income which I…
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energy club recommendations dont include EV tariffs
Ive noticed that the MSE energy club tarrif comparisons dont include any EV tariffs and Im looking for some advice on how to move forward with best option Recently moved to scotland from NI, house has a built in charging point so Im making the switch to an EV. So i need to sign up to an energy tariff and want one with…
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Judgment of claimant (default) cp plus ltd
Hi I'm looking for any help regarding a letter from cp plus ltd demanding £324 for a PCN years ago never had a letter ordering me to court but im not familiar with the best approach here any help and advice would be appreciated thank you
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Best Financial Decision of 2025
What's everyone's best financial decision(s) of 2025?
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What's happened to my Acer!?
Morning all, Is anyone able to advise what may have happened to my Acer? Beautiful full bloom last year, lovely pink/red leaves all over, all seemed to be going well with growth through spring but then it seemed that only half the buds on the tree opened. Small buds can be seen on the one side but it's as if the growth has…
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Aviva - choosing funds
My employer made the decision to leave the TPS just over a year ago. I have accrued roughly £17.5k per year DB pension from 68, or £12k if I go at 58 (which is the current plan). I am now paying into a DC pension with Aviva. I’ve turned off lifestyling and decided to come out of the default fund a few months ago because I…
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Self Assessment Confusion - Says 'No Tax to Pay'
So I did my 23/24 Self Assessment on 2nd January and my calculation shows I owe about £2k of tax for 23/24 and £1k on account for 24/25. Makes sense - EXCEPT my account balance says 'NO TAX TO PAY'. I've spent hours online trying to figure this out, why can't it be clearer HMRC !?! First I thought it would filter through…
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Euro Car Park and EV charging Limits
Hello, I am concerned that Euro Car Park sent a PCN for overstaying while I was charging my EV at what I thought was a Shell station. I have provided evidence of charging my EV for the duration but I later discovered when I went back to check that you can only charge your vehicle for 60 mins. I had travelled to London and…
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Etihad price gouging - beware super strict rules on baggage and misleading advertising
TL:DR. Etihad are charging me £416 for me to add a suitcase to my booking. £76 more than my ticket cost me! I bought two flights LHR-AUH for March 2026. I didn't know what bags I needed but the price was good so I grabbed the tickets for us figuring I could add a suitcase later if I needed to. The website advertises a 65%…
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Utility Warehouse take over my TalkTalk broadband contract and raise the price
I was on a TalkTalk Broadband 24-month fixed-price contract (well, the price goes up by £3 every April, but otherwise fixed.) TalkTalk recently transferred this to Utility Warehouse, who are charging me £5 more per month. Can they do this? I signed up for a certain price. I can see nothing in the TalkTalk smallprint about…
