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Charging order 15yrs+
I have a very old ccj with a charging order to the value of around £2000. The order is over 15 years old and the debt is unpaid. I have had a letter from a company that Lowell have instructed to possible take this further. can anyone tell me what could happen and if I need to contact them please? I’ve done some reading and…
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Is solar battery storage worth it?
Hi everyone We've just published a new guide on solar batteries and we'd love to hear your feedback. If you haven’t already, join the forum to reply. Thanks for your help, MSE Clare
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Help to buy ISA closure
Hi my son has a help2 buy ISA with the Cumberland, he has paid into it for nearly 5 years, to the point he has almost £12k in it, the Cumberland has decided to close his account with no explanation, he has complained to them and the ombudsman, but all to no avail, as the amount is not over the £20k threshold he is not too…
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Council Tax information
Does anyone know if the general public have any way of finding out if Council Tax for a specific property (not their own!) is in arrears?I suspect that this sort of info isn't available under (say) the Freedom of Information act and probably not permissible under say the Data Protection Act.
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Contract
Hi. After advice please. I've accepted a job with a company which opens 8am to 6pm Monday to Friday, however my agreed working hours are Monday to Thurs 10 to 5 and Fridays non working days. My question is the contract I've received states... example 28 hours to be completed ... over their full opening times. When queried…
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New fence quote
Hi everyone, please could you let me know what you think of the quote we have received for replacing a boundary fence at 20 meters long? Dispose of old fence, prune any hedges and plants prior to new fence fit new posts (cost shared with neighbour) attach 6ft overlap panel fence £1600 with 50% deposit required (is this…
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National Parking Control PCN
Hi, just need advice please. My friend have received attached pcn from NPC for not parking within bay. Is the pcn compliant with pofa and anything can be done? Its a residential car park and he lives there. Bay marking are not very clear and there are few signs but none on entry. I have attached couple mpre pics of car…
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Payee question
Hi i want to transfer money from my bank to another bank I also have an account with I’ve only recently joined the bank I’m transferring money from , so I want to make sure I put the payee name 100% correct to avoid any issues so with the bank I’m paying into (into my current account) the name on my debit card is set out…
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Credit Card debt management issues
Hi, if a credit card company end up referring you to a debt management company because you’re not able to meet minimum payments despite the fact they have stopped charges and interest …..what does the debt management company do exactly please? Will they be at my door asking for my car or tv or anything please? Or would…
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New Vacuum recommendations please
I have a Dyson, it's crap. The hard floor head sucks up some bits and redistributes the rest. The carpet head doesn't seem to get into the edges at all. I've had it serviced, cleaned the filters and it's still crap. What is a good alternative? I prefer cordless and have a largish house so short battery time is no good. tia
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DCB legal PCN for parking on my own property
I am the leaseholder of a parking space, I never received an updated permit in March 2023 and to be honest forgot all about it. In February 2025 I received a total of 8 PCNs whilst I was on holiday. I appealed the PCNs to IAS stating that I'm the leaseholder, my vehicle should be whitelisted as I provided my reg number to…
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Paid in full
Can I check in any way if I’ve over paid even though it has been paid in full for a few years?
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Facebook messenger
I don't use Facebook messenger much, and a couple of weeks ago I got a new phone.Facebook and messenger were tranferred from my old phone, and facebook is working as normal.However, messenger isn't working as normal. A friend had messaged me a phone number, before I'd got my new phone, and the message wasn't there. In…
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Smart Parking SP#
Hello everyone As hundreds of others, I’ve spent hours reading through and took the plunge to appeal the PCN I received with the wording provided by you experts! This is an appeal by the registered keeper - No driver details will be given. Please do NOT try the usual Smart Parking Trick of asking for driver details in…
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Did I really have almost 10k deductions in one month?
Hi All, I signed a retention bonus which has just been paid. As a result, my deductions jumped to almost 10k. Am I likely to see any of that money again or are the tax calculations correct? Any advice is appreciated. The breakdown is: Payments: Salary4,506.25R Award15,750.00GPP Pension Salary SacrificeRate 5 -225.31 Total…
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Cheap espresso machine - sounds like it's going to explode!
This was my first venture into buying an espresso machine - this one https://www.amazon.co.uk/Daewoo-Espresso-Barista-Quality-Measuring/dp/B0D66PDWGZ I don't think the coffee is too great, and it's a bit of a faff. It's a bit noisy making coffee, but acceptable. However, when I turn it on to steam, it makes an awful…
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Morrisons / Euro Car Park PCN
I have a PCN issued by Euro Car Parks for an overstay in a Morrison's car park. I have tried to complain directly to Morrisons but isn't going anywhere on time (14 day reduced charge period ends) as I pay in cash and don't keep receipts for food shops. I therefore can't show evidence of being a customer on the day. I've…
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Fast SD cards
Don't know if I'm using the right initials but it's for a camera to record photos. When I bought a cheapie point and shoot I got a fast micro card and it works surprisingly well. My main camera has bog standard ones and I'm hoping a fast card may improve my ability to photograph wildlife that doesn't stand still. I don't…
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(Not so) Smart Parking now an IPC member
Just in case it has not been mentioned elsewhere on the forum, (not so) Smart Parking have either been booted out or abandoned the BPA in favour of the IPC. Quite possibly because they were getting hammered at POPLA so often… who knows? However, this has posed a question where they issued a PCN as an NtK whilst still a BPA…
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Directors Loan
I am about to take 30k directors loan out of my small company. The company can easily afford this, so no issues there. I need the money quickly to fund repairs in my other business (BTL, not limited company). I am aware the money will have to be repaid in full, and I’ve experience of directors loans in the past, although…
