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Euro Car Parks/DCB Legal PCN - Defence Assistance required please
Hello everyone! Massive thank you to everyone who has contributed to these threads, they have been so useful, not sure what I would have done without it! I am currently drafting a defence using resources in other threads, here are some of the details regarding my claim form: - Claim form issued on 28 July 2025 - Claimant…
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Savings Account in Joint Names
Hi, I have a joint savings account with my wife. I am a 20% taxpayer with all income from pension drawdown. My wife is a non-taxpayer, and drawdowns £12k per year from her SIPP. I am trying to understand how this works with HMRC as I believe that I can receive up to a £1000 per year in savings interest tax free. My wife as…
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PCN in Company lease vehicle. Driver identified by company
Hi all A case where basically paid at the wrong machine for an NCP carpark (it seems very common based on the reviews.... Anyway my lad is using a company car and the company was sent the PCN. His company have seemingly identified him as the driver. Is the advice srill to continue with the relevant points in the newbie…
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Court hearing for CCJ set aside - ParkingEye Ltd
Hi all, I've read through the Newbies thread and wanted to post my specific situation as I have a hearing coming up very soon. I have a hearing at Brentford County Court on Monday 20 April 2026 at 11:30am regarding my application (N244) to set aside a default CCJ entered by ParkingEye Limited. TIMELINE: I ceased residing…
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Smart Parking claim via DCB Legal? Group info thread
Hello, had a letter from HM Court & Tribunals Service and a claim form regarding a Smart Parking PCN ignored since July 2023, and I am now thinking of just paying it due to this letter (£288) as it's from the courts and I figure I'm at the end of the road with this. Appealed a while back (was 10 mins over parking…
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Save More Spend Less
Hello, Currently have a diary on DWF board, feel this will be a better place to be as I am currently saving for early retirement! We are mortgage and debt free. Mr D has his savings, he is very good at saving, we have joint savings and I am starting to build up my saving after being in debt for most of my adult life. So I…
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Keeping afloat till I can get round to the debts!
So here goes with a brand new diary. With the financial situation across the country as it is I'm going paycheck to paycheck and debts seem to be going up not down. It's time to take stock. Focus on the money actually lasting the month and forming a new plan. I've never been one for following the American debt fella but I…
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EON next drivesmart V5.1 tariff pricing changed?
Hello everyone. I've had a hunt but cant find an answer so hopefully someone can help me. Please see a screenshot of my Tariff below. I was certain that my peak rate was around 28p per kwh and my off peak rate was 6.5p per kwh, I understand that rates were lowered recently due to government changes but this seems far too…
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ISA confusion with Tembo
I have an easy access ISA with Tembo that I invested £20,000 into last financial year. I now want to transfer it to another provider, Barclays. Interest of £838 has accrued over the year. I'm not sure what I should do next and Tembo aren't being very helpful. I asked them for instructions on how to withdraw the interest…
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Vodafone Fibre router questions
I'm now on Vodafone Fibre 500Mbps package and have been given their Power Hub router and have a couple of questions. Firstly I can't find anywhere in the router settings where you can split or rename the 2.4ghz and 5ghz bands, there is a section but it says disabled. I'm using the expert mode and connecting directly via…
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2026 wishlist
How's everyone doing with their 2026 wishlist. Almost a quarter of the way into the year and this is how I've done. 2026 comping wishlist 1. IMac 2. MacBook pro 3. Laptop 4. Touchscreen laptop 5. Xbox 6. Squash racket or table tennis bat 7. Smart TV 8. Nintendo Ds 9. Nintendo wii 10. TV 11. Printer 12. iPad 13. mobile…
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ILGs held to maturity
To hopefully assuage my fears - am I right in thinking that even if there was a collapse of the bond market and providing ILGs are held until maturity, all other things being equal, it would not affect the redemption value on maturity? I note yields seem to be rising and various articles on declining investor confidence in…
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BWLegal Final Demand
Hello there guys, I hope you can help me with this situation. I have just received another letter from BWLegal, saying 'Final Demand'. It says I have until the 31st March to respond. The situation that got me the original ticket (from Link Parking Limited), was that I went to help a friend move into a new block of…
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Mandatory Reconsideration
Hi. I have just submitted a Mandatory Reconsideration for PIP as I don't think they took into consideration that my mobility had deteriorated dramatically when they looked at my renewal, and I wondered if anyone has had experience of requesting a Reconsideration and how long it will take. Do they send a text to acknowledge…
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Youreable disability forum down?
Does anyone know if the Youreable forum has been taken down permanently? There's just a notice for site maintenance but it's been like this now for several weeks. youreable.livingmadeeasy.org.uk One of the most helpful disability forums that I've been a member of for close to 10 years, it'd be such a shame if it's not…
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What to expect from an Investment Wrap Account once probate granted?
[note, I asked a similar question a week or so back but no responses - so mods, please feel free to delete that one & if I'm putting this in the wrong board I apologise, please move it!] Trying my question again - can anyone advise what my options and considerations should be with an investment wrap account now that I have…
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IHT436- Transfer of Unused Residence Nil Rate Band - Question 13/14/15 query
The instruction for Q14 reads "Enter the value of the Residential Enhancement for the person whose estate you are dealing with NOW". So that person died this year and therefore receives £175,000, but their spouse, whose unused Residence Nil Rate Band I am seeking to transfer to them, died in 2019/20 Tax Year and was…
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Manchester Building Society
This company came up on a site as having a decent interest rate for a fixed ISA. I've never heard of them and I'm from Manchester. Has anyone ever used the company?
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Taxable benefit - expense claimed in next tax year
Just wondering how (if at all) a taxable benefit (monthly phone bill) works when it is claimed in the subsequent tax year. For example say I pay my phone bill personally to my provider on 1st April 2025 but I don't expense it at work until 7th April 2025 and don't get paid by work until 12th April 2025. Which tax year…
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Refund dispute - email terms & T&C’s differ
Looking for advice on a refund dispute with a clinic in England. I paid £100 for a consultation, redeemable against treatment, originally for Botox. After the consultation I was told Botox wasn’t suitable and was instead recommended more expensive skincare packages. To avoid losing the £100, I later booked a Lumecca course…
