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Section 75 dispute
Evening My partner bought a used car a few momths ago. Various issues arose and an independent garage declared engine failure and effectively needed engine rebuild. Contacted garage who were unhelpful, so opened section 75 with m&s cc (mastercard), who checked the garage report and credited the amount back. Since then,…
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Prudential Life Policy Written In Trust
My late mother and my step-dad took out a with profits ‘joint life second death’ life policy with Prudential in 1995. It was written in trust from the outset with my 2 stepsisters and me as beneficiaries. My step-dad died late last year. Prudential have been notified but insist that they won’t pay out the benefits until…
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Scottish Power Harassment
My mum has a house in Worcester that is powered by British Gas. For the past 7 years she has been receiving letters and bailiffs threats from Scottish Power. She has spent hours and hours on the phone trying to sort it out as well as sending endless emails. They always say don’t worry we will sort it out and then 3 months…
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Buying a flat - do you focus on what you need "right now" or do you think about the future?
I've found a lovely flat which is ideal for what I need right now. Ideally placed for transport links, and doesn't need any renovation. It's right at the top of my price range, but everything else I can afford is either a studio, in need of some work, or outside the radius of where I'd ideally like to live. I generally…
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DCBL Harrassment
Hi all, looking for some advice please. I’m being pursued by DCBL for £170 relating to a parking charge from March 2025. I paid for parking online for 2 hours and did not overstay. Unfortunately, I never received the original Parking Charge Notice as it was sent to my previous address. I only became aware of the issue…
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Car finance reclaim - have I been scammed?
Hi all, I bought a car in 2020 on finance with Blue Motor Finance. I remember there was lots of adverts about in on social media a while ago and I remember I followed a link from Courmacs Legal - I put my registration number in and I have only very recently realised that I seem to have a contract with them and the contract…
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UKPC charge for "commercial vehicle" parking
(Image removed by Forum Team) Hi all, I could not make this up: At the start of this month ParkingEye discontinued a court case for a PCN for which they'd chased and harassed me for four years. Days later I get a new PCN… I would like your advice on how to go about this: The charge is because no commercial vehicles are…
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Problem depositing funds with Union Bank of India (UK)Ltd
Following recommendations from Martin on the show we opened a Premier Bond account with Union Bank of India(UK) Ltd. All went smoothy until we called our bank, First Direct, to make the deposit payment by FPS. First direct could not verify Union Bank of India(UK) using the sort code and account number provided by UBI and…
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Transferring to a SIPP - fund in one go or several chunks?
I've opened a SIPP and will be transferring in a personal pension. It will have to be a cash rather than an in-specie transfer. It's unclear exactly how long I will be out of the market, but a couple of weeks looks like a fair estimate. I thought doing this as say 4x separate chunks would help smooth out any market dips or…
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MSE News: Using a claims management firm but unhappy with it? Your cancellation rights explained
If you've signed up to a claims management firm or law firm – to help you reclaim mis-sold car finance, for example – you may now find it easier to cancel if you no longer want to go ahead. It's because four regulators have joined forces to tackle bad behaviour from claims firms, including not giving consumers enough…
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Is this a Contracting out form or pension
Having just moved house we are now sorting out piles of paperwork accumulated over the years and we came across this form. Hoping that someone more knowledgeable then us, can say whether it is a lost pension or as we think to do with Contracting out. Many thanks,
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Ebay balance - how can I withdraw the funds from my sales
Ebay has recently convoluted something that didn't need changing, but making a seller's earnings go into a balance rather than directly to a bank account. I've spent over an hour, tearing my fkin hair out trying to figure out how to withdraw the money in my balance. I have over £150 sat in there and there's no option to…
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Eurocarparks DCB Legal Manchester Browncross Street court claim
Received a PCN from Euro carparks Browncross St, Manchester. The ANPR images on it are really poor-the one labelled 'entry time' just shows a completely blacked out box (no image or numberplate visible) and the 'exit time' image is just a very close up of the car numberplate on a solid black background, Is this compliant…
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APCOA PCN appeal for overstay at a station pick up/drop off failed
Hi, I'm just looking for a bit of advice. Some kind person collected our daughter from the local station after a school trip to the cinema. The train home was significantly delayed until well past midnight and said person overstayed. I was sent a PCN as it was my car that was used. I responded based on other advice and…
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£75k debt. Where to start?
I have ended up in a difficult situation. £71000 in debt across 8 credit cards, three loans, overdraft and store cards, PayPal etc. I was just about managing to get by until I was hit with £4500 HMRC bill and emergency tax code that swiped £1000 from my income until April. I can post this all again with the SOA but…
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Moving house can't take tariff but still being charged an exit fee
Hi There, I'm currently with Fuse Energy on a good fixed tariff until September. I was advised when I joined them that I could take my tariff with me as was planning to move house this year. I've just gone to start the transfer process and am being advised that not only can I not transfer the tariff but that I will be…
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Sky TV retention deals ( post your haggling successes )
Please post any deals you have negotiated with sky Please post The package The price and discount The length of the contract
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Should I Delay Buying Gilt Ladder
I was intending to setup a 5 year index linked Gilt Ladder in the next couple of weeks with the first year maturing in 2035. The money is currently sitting in a Money market fund. With the strong possibility now of rising inflation and interest rates would there be any benefit in delaying the purchase? My feeling is for…
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Can a former employer refuse business?
Apologies if this is in the wrong place. I used to work for a hardware company. They were taken over by new management and subsequently did everything to get old timers like me out. I took the company to tribunal. I didn't have any representation and was unsuccessful at tribunal. However, a former colleague, who provided a…
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Co-Op Regular Saver matured but no interest?
My Co-Op regular saver matured today as per the email I received and turned into a Smart Saver. Their website says interest should be added upon maturity. What's going on? Has anyone else seen this?
