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ECP/DCB Legal case 2026 transferred to local court - disputed Pay by Phone Transaction
Parking event 20/06/2023 at car park managed by ECP (APNR controlled}. Breach of Terms and Conditions "Vehicle parked without a valid Pay by Phone Transition" As I had no phone with me, my daughter attempted to pay. First 2 hours free then following hour over was a £1 charge. I knew I was over their 2 hr free period (Time…
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Revolut £20 sign up bonus
I recently opened a Revolut account via a link that offered £20 upon my first purchase using the debit card. I added some money to the account but without really thinking just used some of that money to top up my trading 212 account but then I realised this term from the T&C's of the offer: "This must be a genuine purchase…
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Transfer of House Left in Will/Buy Out Sister
Hi, can anyone point me in the right direction to understand how the following works please? My parents died (Dad2021 and Mum 2024) and their will states they leave the house 50/50 to my sister and myself. Because of one thing or another, this hasn't been processed yet (has not gone through probate?). I wish to pay my…
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Trying to secure a rental home
Just looking for anyone else's experience with this… Sold our house, moving into rental to then take our time looking for forever home, been told by the EA after they spoke to everyone that a call will be coming very soon to arrange completion\exchange, they told us to start looking. We thought going into a rental, other…
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Judgment in default (again)
I'm in disbelief at the moment for how appalling our legal system is. My wife had a PCN which she disputed and eventually got court papers. I helped her submit her defence which we received acknowledgement of on 15 April. DQ was received and submitted in June. Have had absolutely nothing else in relation to this until now.…
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Reduction to existing fix rates from April - will there be a cut off date for signing up?
I asked this in another thread, but maybe it needs a space of its own. My fix rate tariff ends in early April. I’m aware of the “£150 reduction” coming up from 1st April and I know that the energy companies are (mostly) planing to apply this reduction to their existing fixed rate customers too by reducing the fix that they…
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ANOTHER notice in the SAME CP - this time its non-display due to 'flipped' ticket
So my sister found a windscreen notice because of non display of a valid ticket or permit: (to be scanned and uploaded) Reason - the ticket had flipped over https://drive.google.com/file/d/10WcAB82UNeDZiseQiKCsCVUvO1PD9iWZ/view?usp=sharing She immediately appealed (unbeknown to me!)…
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Name change & keeping professional identity
Could anyone share personal experience with changing your surname but keeping a professional identity under your former name? We both do very different work but it is locked quite significantly in our given names. I absolutely don't wish to and can't change my name in a professional capacity. My partner feels similarly.…
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Subletting to an Agencey - Subletting Insurance
Hi everyone 🙏🏾 I am a Newbie to MSE Forum I rent a property and am thinking of Subletting to an agency ( this would guarantee the rent ) I have rang a few insurance company’s but they don’t do subletting insurance. Do I need a special subletting insurance ? Any help would be appreciated. Edddy Thank you for the reply below…
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Another DB & DC pension question
Following on from my last post… I have ten years till I turn 60 and can access my Premium Civil Service pension and then need to wait until my state pension and Alpha pension to kick in (currently 67, I think). My working assumption is that I won't take the lump sum option (for my Civil Service pensions) given comments to…
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POPLA Appeal First Draft - Can someone review please?
Hi all, Would anyone have time to check over my POPLA appeal for me please? Here is the link to the Word Doc (ready to save out as a PDF): https://www.dropbox.com/scl/fi/pblujqu7td7cxa64l27px/POPLA-Appeal.docx?rlkey=sfsrbkrmsft16k7yll8t1f6ki&st=vgc83ps6&dl=0 I have mainly used text from other successful POPLA appeals. I've…
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Backmarket warning: only if you can be without your phone for 10-14 days
Hi folks. A quick warning for anyone considering buying a phone through BackMarket. I am self-employed; I rely on my phone for my business. For sustainability reasons I bought a phone through BackMarket in May last year (order no52040065) It now has a fault and the only option BackMarket is offering me is to post my phone…
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Pick'n'Mix - the joy of the chaz in '26!
In response to the cry for a shiny new thread for 2026, its time to start listing our chazzer finds! Last year I took a 3-month detox until the end of March, which I thought would have cured me of my lust for a bargain....but I fear I more than made up for it in the following 9 months of the year! So I now find myself…
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Is it wise for me to move my Zopa PCP to a Tesco Loan?
Zopa PCP Currently £74 a month and a balance of GMFV £9750 in August 2029 9.9% I overpaid to get it to £74 (The monthly interest on 9750) I also pay £25 a month for a service plan. Tesco Loan Offered 5.8% for 12500 £240 for 60 months. Going to use the 2000 to pay off my 4 year service plan which is also running alongside…
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Received a letter from County Court Business Centre
Hello everyone and thank you all for your help on this forum. It is a great thing I found this forum. I apologies in advance if I was not supposed to open new thread, but after reading through Posts for Newbies and many other Posts and threads by other user the advice I found was if you received CCBC Northampton letter to…
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Paying £2880 into pension when retired
Jamesd wrote in another thread the following: "She can make £720 a year tax free by paying 2880 net into a pension, having it grossed up to 3600 then withdrawing it. Can only do the withdrawing part from age 55. Can only pay in for this until age 75." I have just retired at 60 and have transferred my DC pension to a new…
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New build property with heat pump and solar panels …
Conundrum … We have recently moved to a new build property which has just three solar panels, a Worcester Bosch heat pump, no inverter, no battery. No gas. We were with Octopus Energy at our previous house, but they’ve well and truly botched things up in moving us over to the new property. In addition, they automatically…
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Debt and Caring
An unprovoked attack on my ankle by a metal workout bench has me lying down with a foot up this evening. Which makes this the ideal time to start this diary. And possibly to declutter some exercise equipment... Yesterday I was £9993.61 in debt. Today I have made a £1500 payment to one of my credit cards taking me down to…
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From debt to freedom...
For a couple of months I have been lurking and reading diaries which have been helpful and inspiring. I thought that I would start a diary to keep myself focussed on getting rid of the debts. I am a working mum, recently separated from my husband. I have a large family which makes for an interesting and busy life! I have…
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Old Style Daily Sunday 08 February 2026
Good morning all.
