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Contract FOR services contract
I have applied for a job and it wasn't clear that the employment was not going to be directly with the company I applied to. I have been sent documentation stating that I'll be working under a Contract FOR services agreement. Is this effectively an agency? Any good or more importantly any bad points I need to look for…
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Received Mediation date
Hi everyone, I have received my mediation date of 30/10/2025. They have attached a form on the bottom of the email confirming my date. Daft question, but do I fill this form in and send it back? I've checked the defence template thread and can see they're only like 5 minutes long too. Is this still true in Oct 2025 and…
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ECP DCB LEGAL claim
Hi all, Writing this as I have just received my "Letter of Claim" reg a private PCN back in 2021 by Euro Car parks. To paint a picture, we arrived in the evening at the car park around 20:15 as it was next to our hotel. Paid for 12 hours: All was good, few weeks later received PCN stating "No valid pay and display/permit…
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Already with Octopus, how do I claim the MSE deal?
I'm looking to jump onto the new Money Saving Octopus tariff, but I'm already with Octopus Energy. When I click switch it wants direct debit details, which feels wrong. Any advice?
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£31,000 Credit Card Debt and My Anxiety is Unbearable
Hi everyone, I’m in around £31,000 of credit card debt
across four cards, and the stress and anxiety is seriously affecting my health. I’ve
struggled with anxiety for over 20 years, and this situation has made it so
much worse. I missed my minimum payments in March and will
likely miss them again in April. The constant…
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Halifax and Bereavement
My father recently passed away ,he had an account with Halifax. So rather then sort my dad‘s estate and bank accounts over the phone I thought it be better to go into the bank and do it face-to-face. The lady in the bank Hold me that’s sorting my fathers bank accounts can only be don online or over the phone. so she called…
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ECP / DCB Legal - Mediation Call Advice
Hi, Quick summary of where we are at. My wife got a "PCN" for a 19 minute overstay in a free carpark operated by Eurocarparks a few years ago, after having her appeal rejected she had the usual sets of scary letters from various debt chasing companies until it finally landed at DCB Legal last year and they proceeded to…
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Broken optical out on TV- need a solution please
One for the tech bods please. The optical out on my tv has broken. My soundbar only has an optical connection. Is it possible to buy a connector that will convert an optial in from my soundar to a a HDMI port on my tv so I can continue to use my soundbar? I am hoping to not have to buy a new tv or soundbar Thanks as always…
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British Gas Double Billing VAT
Hello, Apologies if this has been posted before, I did search the forum and I couldn't see it anywhere. I recently moved back to the UK and resumed gas and electricity accounts with British Gas. If, like me, you don't have a smart meter and are a bit slow submitting meter readings each month, you will have an estimated…
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*** Breakdown and PCN ***
Hello I parked my car at a retail park. I came back to it and the car would not start. I had to leave it over night and then after the breakdown came the next morning I exited the car park. I have received a PCN. Saying I exited after 17 hours.... How do I get out of this? regards
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Help to buy or Life Time advice please
Daughter 24 lives at home, minimal outgoings and works in retail with various hours each week. so an irregular income. She's looking for work in the field she's got her degree in so her income stream will hopefully change but there is no guarantee. Taking Martins advice a few years ago she opened a Help To Buy ISA…
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UKPC parking charge
I have appealed a parking charge as the photo is so unclear I cannot make out who the driver is, they have said I have to pay it even though it was not me! Can they force me to pay this when it was not me driving at the time? I asked them to provide a clear picture and they have not done it and said I have to pay it!
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RTM managing the building themselves
Hello, As a Director of a RTM of 23 flats and frustrated by the MA we are considering managing the building ourselves. What are the major things we need to take into consideration? We've already negotiated our own companies to provide services cheaper than MA eg our own accountant, our own broker for building's insurance…
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Car for teenage son
Hi, We have been awarded motability for our younger son so we're going to we buy any car our current car. Our older son is 16 in a few months so will need a car in just over a year to learn in. Can't decide whether to keep the current car and sit it on the drive until he needs it. Any advice? It's a 14 plate mokka with…
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Chip Savings
Hi, my Chase boosted rate is about to end so I needed somewhere to put my funds whilst hoping Chase send me a boosted offer again. I've seen Chip offer 4.8% for 3 months which would do for now. Are they reliable? Any restrictions on instant transfers? Thanks
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Failure to Pay Liability Pofa 2012
Hi all, Lost access to my old account. Here goes. Horizon Parking. Photos show car entery and exit time must be by ANPR. No ticket on car. A letter received in the post by 12 days of the parking charge issued to RK. RK was not the driver. No ticket was purchased Parking used to Drop off passenger to a theatre/cafe stayed…
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Hoover Tumble Dryer recall, how long to fix it
I purchased (£549) a new Hoover Tumble dryer on 30th March 2024 from Currys, the delivery was on 9th April and the door was not aligned and had to be changed, re delivered the following week. The water container has cracked and replaced in warranty period, however was told its not a warranty item its consumerable. Then I…
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Delays for P55 tax refund from HMRC
Hello I took a flexible drawdown pension payment end of June and submitted a P55 first week of July, by post. HMRC's Government Gateway was saying to expect a response within 30 days. To date I have heard nothing regarding a possible refund and when I check for an update it has each time pushed the expected due date back.…
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Car sold while dealer closed, fuming !!!!!
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Mid-sold car service history
I purchased a second hand Kia from a well know national dealer in September 2022. I still have £5k outstanding on the finance. I opted for the Kia as they have a 7 year engine warranty and wanted the peace of mind that I’d be covered if I hand any issues. In order for the warranty to remain valid, the car must be…