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Cash ISA palaver (my mistake)
With £52,000 to place into a savings account which would allow one or two penalty-free accesses a year, I opened a Virgin Money Double-Take E-Saver and, because my nominated account provider only allows £25k payment out per day, successfully transferred the first £25k over. The next day I tried to move another £25k and it…
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Does NCD expiry clock start at insurance cancellation date or the date when I took out the policy?
Due to some circumstances I am possibly looking at cancelling my insurance policy early. If I were to do this would my NCD expiry clock the start at when I cancel the policy or will it start from when I first took out this policy?
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SIPP investments during market upheaval
I've just opened a SIPP with AJ Bell. I did this mainly for tax reasons (sole company director), and NOT because I know what I'm doing with investments. I'm relatively comfortable with the general advice out there for portfolios, and I'm ready to push the button on a core holding in a tracker fund. However, the current…
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Looking for a specific type of liability insurance
Dear All, not sure this exists in the UK. In Germany, there's an insurance product called 'Privat-Haftpflichtversicherung'. The closest translation might be something like 'private liability insurance'. This insurance basically covers all kinds of damages you may do to others, including outside your home. Just as an…
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Does day 0 exist?
Received a parking charge letter in the post about not parked in a bay; I appealed as the car overhang into a de minimus strip that use to be a parking space but 75% has been taken up by digital signage (installed since the parking spaces) leaving an unusable space (for anything to park fully within); of course this was…
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Aviva Online
I have a quote for building and contents. Upon reading documents provided with the quote, I came across the following : It appears that you can't access YOUR schedule at all until you actually buy it. This seems akin to buying with one hand tied behind your back. Does anyone know of any other way to access prior to paying?…
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Unrealised gains v Total Gains
Hi all. Can someone please enlighten me. I have a big difference between these 2 figures. I have only been doing it since Feb 2026 98% of my money is in vwrp acc. Wondering why I have such a big difference? I have never sold anything, had 1p in dividends from a stock. Not sure if i would have had dividends from vwrp as…
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Savings Goal
Morning all I have a savings gosl of £10k, been saving for a couple of years with BoS earning 2.72% monthly. I would rather stick with BoS as they are local and I can pay cash in when I need to. I also don't trust the online only accounts. Maths aint a strong point. Would it make a massive difference in a 5.50% monthly…
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No Spend Day
I’m trying to get a bit stricter with my finances and recently started doing one “no-spend day” a week. literally no unnecessary spending at all. It’s made me realise how easy it is to spend without thinking, and how much it adds up over time. I’m curious if anyone else does this or would be up for it? Feels like we’re…
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Napier Parking - Overtstayed fine
hi all my sister received a “fine” from Napier as she overstayed the car park by 47 minutes. This is obviously an oversight, she got caught up in errands and didn’t realise she only paid for an hour, not 2! The car park is Tebbuts Car Park in St Neots, owned by Huntingdonshire Council - what is the best step to avoid…
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PIP reform / Timms Review - have your say
The PIP reform, known as the Timms Review, is requesting public views on PIP. Call for public views to improve disability benefit for millions - GOV.UK www.gov.uk/government/news/call-for-public-views-to-improve-disability-benefit-for-millions
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Using debit card abroad
Hello, I have got a Starling debit card specifically for use for a trip to Iceland. The card claims no fees for use in Iceland. However I'm confused, do I still get charged for currency conversion ? If I pay for meals etc in Krona's will there be a conversion fee to pounds. Thanks for any advice
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DCB Legal: no LBC and Claim Form but different address listed
Hey, I’m fighting a PCN on behalf of my father. He received multiple letters, but he did not receive a LBC. Now he has a claim form from Northampton. The letter on the claim form has a different address compared to the previous letters issued by DCB legal. I also can’t find the LBC (even at the other address) what to do…
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Old Style Daily Monday 13 April 2026
A frosty good morning.
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DCB Legal letter of claim
Hi there, I have been ignoring correspondence on this since late 21 or early 22, but have been away over the Christmas period, visiting an ill relative abroad and have come back to a letter of claim ( the first to my knowledge ) although I no longer have the car and it was registered at a different address anyway. With me…
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Nervous about using flexible ISA to maximise savings interest
Hello, I’ve been a self employed sole trader for approx 20 years. In that time I have been frugal and paid any spare funds into cash ISAs. I am now looking to wind up my business (since the pandemic it pays very little) and live off of the ISA interest. I want to put some of my ISA funds into a flex ISA and then withdraw…
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Chase - Refer a Friend for £50 each
I have held a Chase Account for around 10 months and like it as you can have multiple accounts which is ideal for switching as long as you retain the main account. It also has a 4.5% interest account which you can put in as much as you like. This week they sent an email out that you can invite up to 5 friends from the ap,…
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Lloyds Bank online log in query
Hi, I went to log in to my Lloyds account earlier today online (don't have the App) and it was saying that they had made logging in easier - password no longer required, just your ID name and some other details. I put the ID name in and got the usual 2FA verification code from Lloyds but decided not to proceed, in light of…
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Moorside Legal (NCP Parking) - Case struck out
Hello all, I've read through the
newbies thread and seen a few of the examples of successful defences against
unfair parking charges. I've been served a CCJ (Issue date 21st
MARCH 2025) and have written a defence using the resources on here and several
other similar threads. I have no experience in this area but felt from…
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Unfair Parking Charge, any advice? - EURO CAR PARKS Oxford Templars Shopping Park
Hi everyone! I just received two parking tickets at this location and I'm trying to see if it makes sense to appeal them, and if anyone has appealed any tickets from this specific car park or any other car park managed by Euro Car Parks or others and has good advice. Essentially this private-land owner allows parking in…
