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Having trouble getting my head around the "Max 10% of balance" overpayment rule
Have to say maths has never been my strong suit! So I am allowed to overpay a max of "10% of your outstanding balance each year". Say my balance is £70,000... so in year 1 I can pay a total of £7,000 and it doesn't matter how I split that per month? I can just divide it by 12 and overpay £583 a month..? And then after 12…
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Claim Form Issued by DCB Legal for Parking at Citi Park Clements Road
I am writing on behalf of my father, who has received a claim form for parking at Citi Park, Clements Road, London. The Particulars of Claim (POC) state that there was no valid parking session. However, the car park signage clearly indicates that Blue Badge holders can park for free for up to three hours, and upon…
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Old Style Daily Friday 25 July 2025
Morning all.
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DWP letter saying I owe money
Hi, my wife and myself have both received a letter from DWP saying we owe them £245.03. I looked up the telephone number given and more than one "who called me" website says the number is a scam. I looked for the number given on the letter (0800 916 0647 & 0800 916 0651) via the gov.uk website and they say it is for the…
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Popla code expired, no NTK received
The timeline is as follows: Windscreen PCN: 17/05/2025 Appeal sent: 11/06/2025 (25 days since PCN) Appeal rejected: 12/06/2025 (26 days since PCN) Final Reminder: 18/07/2025 (62 days since PCN) So no NTK was received. I tried appealing via POPLA but the verification code (received with the rejection on 12/06) has expired.…
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Is this Legally Sound
Child appoints themselves their parents carer. Parents have valid wills with each other as beneficiaries then their 3 children equally as beneficiaries on the 2nd death Said child has parents add an "expression of wishes" to their wills which is worded such that this child and partner will be paid from the Estate on first…
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Euro Car Parks, DCB Legal court claim 2025
Hello, My first time posting on here. Firstly I would like to thank the individuals that have contributed to this forum as it has been a huge help in getting my head around the procedure involved with this claim. I received an LoC (issued 24 Jun 2025) from by DCB legal for entering a parking space, of which only a small…
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Crypto dating scam help
A friend of mine has been chatting to an Asian lady online for some months. She has a business in Europe. They chat by video call. Today he has told me that she is helping him trade crypto currency something he knows nothing about. He has opened a Kracken and a Foris mt ltd account. He says they are sharing the success and…
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Connect DVD player to TV
My 21 year old DVD player only has a scart lead. Our new TV only has 1 USB port and 2 HDMI sockets. -It is a Toshiba 32 Inch 32WV2463DB Smart HD Ready DLED Freeview TV What do I need to connect it (and I still use the DVD player). I think that this my oldest electronic device.
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Tips for staying focussed
Hi all sorry for a long post. Advice needed. Turn 50 next month, wife same age. We have 10 and 12 yr old kids. I work for a supermarket where every little helps, wife works in a school. We never seem to have enough money. On paper we have £300 left over a month. This includes us paying a relative £170 a month for a loan,…
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Google Wallet / NFC - Anyone Else Had Problems ?
Over the past week or so I have had problems paying with my phone, hit and miss then just nothing coming up so I suspected the NFC aerial had failed or something. This morning paid in 4 different shops flawlessly. Had a look at the apps and Wallet had an update yesterday so was there a glitch ?
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Divorce financial settlement calculation help
Currently in the process of trying to reach a financial settlement, and have clashed on how the calculation for the pot should be split. We have agreed one party will receive more equity instead of a pension share in order to compensate for the differences in pots. The property will shortly be sold and in round terms there…
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Think Money monthly charges
Hi i previously banked with Think Money for 2/3 years and paid a monthly fee of £10. I don’t recall ever being notified of this charge when I first joined and when I queried it, I was told it would improve my credit rating. I have read online about claiming back bank fees and is this something I can do, and has anyone else…
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SABA Penalty Notice - mostly for information
I recently received a Penalty Notice to Owner from SABA for "failing to obtain a valid ticket or cashless parking session" at my local railway station. I was not the driver, Mrs Kryten3000 was and usually gets a printed receipt from the payment machine. On this particular occasion the printer was inoperative. Coincidence?…
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Sanity check on LGPS Prudential salary sacrifice AVC and tax free limit
I'm hoping to retire in the next year and my AVC/lump sum will be over the tax-free limit so I'd be grateful for a sanity check. Very roughly speaking, if my normal pension will be £21k I understand that the tax free limit will be roughly £21k x 20 / 3 = £140k, and if my lump sum is £30k and AVC is £120k I'll be due to pay…
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Inherited pension and LTA
If my child inherits my pension, after all inheritance tax has been paid , if money is left in that pension and not drawn, does it count towards my childs LTA for their own pension savings ?
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Claim form DCB legal
Hi all, So I've received a claim form after multiple letters had been sent to an old address. long story short I had paid for parking on the day I have banking payment to prove this. I believe this to be a keypad error with the faulty machine on the day. Issue date is 30/10/2024 AOS submitted 03/11/2024 I am starting to…
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Chase £50 gift card switching offer 24/07/2025
Nobody seems to have mentioned this so will post here. It is a very restricted offer but details here https://becleverwithyourcash.com/chase-bank-switch-offer/
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Multiple flexible ISAs on the go to benefit from best interest rates?
Given that flex ISAs are subject to rate changes, is it good financial sense to have two or more on the go at the same time, funded by ‘old’ ISA money, so that when the rate in ‘ISA A’ increases above ‘ISA B’, I can withdraw it all from ISA B and shift it to ISA A? And conversely when ISA B’s rate overtakes ISA A, I can…
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Chargeback challenged due to what I now believe to be wrong advice
Bear with me. We have used our local travel agent (Baldwins, Tenterden) for many years and fully trusted them. As we would be away on one holiday when the balance for our next holiday was due, we paid the balance early. When we returned the travel agent was in all sorts of trouble and closed abruptly. We contacted the tour…
