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Settlor/Trustee’s getting advice for investments
I have been asked a question by a friend after I had relayed how I received guidance on this forum last year. Settlor put money into trust for her 3 adult children (late teens/early twenties). Trustees were the eldest child and two of the settlor’s friends. IFA set up according to settlors risk questionnaire and has…
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2 funeral plans
Hello, my father-in-law just passed away. Turns out he had one Golden Charter funeral plan with the undertaker, but he must have signed another funeral plan with the Co-op years earlier. The one with the undertaker will cover about 80% of the costs. We were left money for the funeral as well, so there won't be problems…
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National Insurance contribution - employee contribution
My new employer has not paid 20 months National insurance employee contributions from 2023 to 2025. I have 39 full years contribution showing on my GOV UK account, not sure if I need to pay the back dated payments. Any advice would be grateful, thank you.
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Council Tax Backdated Refund
Hi, I recently challenged my Mum's council tax band and won. She's been sent £2100 and been told that they can only backdate it to 2020. Does anyone know if this is correct? I'm sure Martin said that you can claim as far back as 1993? If so, would I just write back saying that you can go back this far? Or is there any…
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Defence against DCB Legal for Smart Parking
Hi there! Really loving the forum, have devoured the content since I recieved my 'new claim' from DCB legal. I sumbitted the AOL on MCOL. I'm just writing up my defence, and wondered if someone was available to review it for me before I send it? Thanks so much! PoC: Particulars of Claim 1. The Defendant (D) is indebted to…
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national wide parking control
hello please see attached pcn. I can’t believe this has firm has given me a ticket in this area. Nothing suggested this was private land. You can even see the photo they have taken which appears to show this as a normal public road. I was delivery a Amazon parcel and only spent 2 minutes. I got no pcn on my windscreen and…
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Money Moral Dilemma: Should I pay off son's debts for a second time?
This week's MoneySaver who wants advice asks... My son moved back in with me after splitting from his wife eight years ago. Now two of his daughters live with us too, and he has just quit his job as the hours didn’t work with childcare. He owes £20,000 to banks and credit card firms. Do I give him the cash to clear it?…
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UKCPS Charge - Leeds Train Station
Back on the 27th October 2025, I went to Leeds Train station to pick up my wife and Daughter at around 11:30pm. Their train hadn't arrived yet, so I needed somewhere to wait for them. The pick up point allows you to wait for 10 minutes, I wasn't sure if this would be enough time, so I drove down the street, to see if there…
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Euro Car Parks POPLA Appeal
Hey all. I followed plan A and B. Landowner wouldn’t cancel PCN and blue appeal template didn’t work. I received an email rejection letter stating the following: “Having carefully considered the supporting evidence provided by you, Euro Car Parks (ECP) havedecided to reject your appeal for the following reasons:• The Site…
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Haggle with BT - our new guide
Hi all, we have new BT Haggling guide, and we'd love to hear your feedback. Just click reply below to share any info. If you haven’t already, join the forum to reply. Thanks for your help, MSE Sally
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BT - early termination
Can I use BT’s determination to switch me to Digital Voice as a reason to terminate early without excessive fees (expires Aug)? Their service has been bugging me for ages and I’ve been planning to switch. Now they keep sending me routers to switch to Digital Voice which I keep having to send back; I’ve told them multiple…
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Double dip - Euro Car Parks
Hi all, Euro Car Parks strikes again! A friend received a Notice to Keeper from ECP claiming that her vehicle was parked in a retail park between 14:12 and 8:12 the next morning. The vehicle actually made two distinct visits: Firstly between14:12 to 15:00 Secondly between 8:10 and 8.12 Two hours free parking is permitted…
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CEL POPLA Appeal - 95 Otley Road
Hi there, I'm looking for help with drafting a POPLA appeal against CEL which I am planning to send in the next few days. I am a bit late in that it is currently day 28 since I received the rejection of my appeal but I understand from reading on the forums that the POPLA code is valid for 33 days and that I have a few more…
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Secure parking solutions Parking fine after using parking App
I used a car park run by secure parking solutions. On arrival. There were several signs saying to use the “Your Parking Space” app. Having used the app several times before I used the app as normal. On my app profile I have my wife’s car and my works van. As I was at work I selected my van profile. The app states that it’s…
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Prepping: the new world...
Thought it was about time for a new Prepping thread... Please keep it on topic, friendly and realistic for life in the UK (i.e. no hurricane basements, no guns, no politics). For those that don't know, the Guides & Scouts among us will be prepared, but are the rest of us ready? IMPORTANT NOTE: this thread is a resource for…
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Help: Massive Energy Usage
Hi. I moved home to a smaller house one year ago. It is a four-bed house built in 2005. It has gas central heating, hot water, and hobs. We have three or four adults living here with much of the usual stuff - 2 TVs, laptops, a games console - and nothing out of the ordinary in terms of energy consumption. We charge 2…
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Letter of Claim - UKCPS - Moorside Legal - Parking 'No Stopping' Gateway House Manchester
Hello all, I have been going through the motions like so many others in relation to 'No Stopping' allegation at Gateway House, Manchester Piccadilly Station. I have received x2 PCN (Parking Charge Notices) from UKCPS for alleged 'No Stopping' in a controlled area at Gateway House, Manchester Piccadilly. I have appealed…
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McCloud Remedy
I joined the NHS pension scheme in 2003 and left the service in 2022. So a large proportion of my pension is affected by the McCloud Remedy. I am now 60 and was hoping to take my pension this year, so I need a comparison between the standard pension and the remedy. I have been in contact with the NHS Pension, but with no…
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Bank account for a small touring band (music)
Myself and three friends are in a band, weve been going about 3 years and are now at a stage were making a bit of money off our ticketed shows. Were worried dually about where the money can go, as at present we take it in turns to take the payment from Skiddle/the venue and then divide up betwenthe 4 of us. I can't find…
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UK Government Bonds on Fidelity
I'm (hopefully) within 2 years of retirement, so looking to de-risk, and government bonds are an option I'm considering. I have a SIPP with Fidelity, but can't find gilts on their platform (google search hasn't helped) Does anyone know if Fidelity supports gilts? How to find them? Thanks
