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346 southgate park stansted cm24 1py Parking Charge
Hi, need help fast!! I apparently parked here for approximately 33 minutes- went to Starbucks. But the problem is that the original two letters they sent to me went to the wrong address. I only got the latest one, which says I am unable to appeal and is due within 14 days of the letter- so due by the 18 Feb 2026. This is a…
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Tesla PCH terms
My current car (VW) is coming to an end on its PCP deal which I am going to hand back, I have came across a brand new Tesla on a PCH deal 2 year lease around 295pm for 2 years. This seems a really good deal but I have never leased before, was just wondering if there is anything I should be careful of as I know new cars may…
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Mortgage Free Plod
Hello MFWs I'm de-lurking after living vicariously through you all for a very long time. I've exchanged on my first house today! So now I'm a MFW too. My context: I'm a divorced, single mum (1DS). We'll be moving into a little 2-bed house with our moggy. I've taken out a 95% repayment mortgage over 27 years, which takes me…
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Moving forward and upwards
I decided today to bite the bullet and start a saving for a deposit diary. Moving away from my other diary as that served its purpose for that part of my life. Its now time to focus on my next goal, buying my own home, for that I need a 15% deposit. For nearly three years I've been saving my pennies, saving chunks of my…
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Lebara Data Munching
Having had mobile phones since the 90s I've always been aware of usage. Have just moved to Lebara and my usage for 3 hours, doing online SuDoku, was 200Meg of data. I was previously on Tesco and that would be about 3 weeks data. The phone is flooded with Vodaphone Ads too, whilst it's cheap it may be a false economy as I…
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what percentage of equity do you hold in your retirement pension ?
https://global.morningstar.com/en-gb/personal-finance/how-make-your-money-last-retirement i know some posters on here say they have 100% equity , and 60:40 seemed to be most common, but this gives food for thought , for once retired , if your exposure should be lower Mick
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Radiator replacement - should we go for higher BTU than needed?
Looking for some advice on radiator BTU sizing. We’re looking to replace a standard radiator with a vertical one in our upstairs spare bedroom/home office because it works better for the layout of the room. Using online BTU calculators, the room seems to need around 2550–2650 BTU. The plumber gave us a couple of options…
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Horizon/Gladstones LBC — pretty sure the 10-min rule doesn't apply to my visit?
Hi all, first time posting, could really do with some fresh eyes on this. March 2025 — parked at a Tesco car park for 31 minutes while using the EV chargers. Horizon issued a PCN for breaching the 10-minute maximum stay. Appealed to Horizon — rejected. POPLA — rejected. Now at Letter Before Claim stage from Gladstones for…
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I am genuinely confused, why can't I get a loan?
I have a spotless credit record Clearscore/Experian rates me at 1000/1000 Credit Karma rate me at 659/710 I have a mortgage with £200 left to pay (the repayments are £22 per month) with an attached mortgage reserve facility which currently stands at -£15000 and which needs to be paid off at the same time that the mortgage…
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The Three C's - Coffee, Clothes & Credit Cards
I'm back again and I thought I would start a new fresh diary. Life has been hectic for me in the last 6 months with some unexpected expenses that have sadly led to me getting into some more debt. Fortunately it is all on 0% credit cards and I plan to tackle it £1 at a time. Technically I do have enough in savings to cover…
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Beneficial interest as security for a loan
Hi. Please bare with me as I like to give a bit of background info. My Dad passed away in 2020. His Will was a mirror Will with Mum's and they were 50/50 Tenants in Common. There is also a Form A restriction on the deeds to their home. Mum is 100% legal owner and has a life time interest to live in the property until she…
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Car from Cinch, false service history
Bought a car from Cinch in October, three month warranty. Recently started going into limp mode and struugling to get over 50 mph. Took it to a garage this morning (garage is owned by a good friends dad, I trust his opinion.)…with the state of the filters etc, it looks like its NEVER been serviced. The documents state five…
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Letter Before Claim - UPE
Hi all, I'm looking for some guidance on a Letter Before Claim received by a relative that they have asked me to assist with. It pertains to a location which has had quite a few threads on but none seem to have gone as far as a LBC. They received a windscreen PCN, time 19:33, claiming driver or passenger left the site. I…
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buying from Cinch, experiences please
Good afternoon I wondered if anyone here has bought a car from Cinch and used its part exchange programme with success? My recent experience was this. I selected a "new" car from their stock list (a 2019 Lexus) Cinch confirmed a px value for my Porsche (car is mint and MOT) in writing. They exchanged the contract at their…
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CT Clamps - some Qs.
Well, got all my bits, and now just need to join them together; 3 of 5.7kWh Alpha-Ess batteries, Sofar ME300SP AC-coupled inverter, and all the gubbins. The two CT clamps have short wires, so I need to extend them. I understand Cat cable is good for this. Q1 - for neatness and convenience, can I share the same Cat cable…
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ANYONE ELSE FINDING MSE's BROADBAND CHECKER NOT FIT FOR PURPOSE
I have used MSE's checker in the very distant past and it did come up with deals that I could access. However in the recentish past I've found it next to useless. Despite me putting in my full postcode and selecting standard broadband + line, the results are 99% for fibre deals & do not include many for standard broadband.…
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G24 PCN 2019
21/10/19 - date of alleged parking contravention claimed by G24 - "not displaying visitor permit on private parking land". I have no recollection of receiving a PCN. 26/11/24 - first correspondence received was a final demand letter from DCBL Ltd for £170, which was ignored because I genuinely thought it was a mistake.…
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Four Different Banks with probate - four very different experiences
Firstly Nat West for the Executor Account - What a farce. You can't open a joint Executor account in branch, in fact you can't do ANYTHING in branch. You have to: Open a new account online THEN Add a joint account holder online THEN Get account changed to executor account (which you DO need to go into the branch for) We…
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HMRC Self Assessment service showing “unavailable” message
Is anyone else having issues accessing Self Assessment on the HMRC website? It has not been working for me for at least the past two days. Yesterday and today I have been seeing the following message: “Sorry, the service is unavailable. You will be able to use the service later.” The HMRC status page indicates that all…
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Nationwide nightmare with bereavement team and inaccurate figures and no support
Hey all My uncle has been having a really horrific time with the Nationwide and their bereavement and complaints team. His wife died earlier this year, all he wanted to do was to sort out accounts and, as she wanted, move her money into his name and accounts. My auntie didn't have a will, but as the amounts weren't big…
