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Mortgage Repossession on an Inflated Debt Caused by Bank Errors
where to start! My mortgage matured in 2024-I believe the balance is inflated, none of the figures match up, credits into the account are ledgered but not deducted from the balances, fees were capitalised unjustly, and overpayments were not applied to the capital when the endowment crashed - though it is written in the…
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ECP claim via DCB Legal, 2025
Hi I received an LOC dated 13th August for a parking charge from 3 years ago (had ignored everything up until now). I parked and proceeded to make payment over the phone with Euro Car Parks supplier, Paybyphone. I painstakingly put in all my credit card details via my phone keypad as required and had no reason to believe…
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Moving S & S ISA money ‘by hand’ to avoid transfer stress?
I have £20,000 in a Vanguard stocks and shares ISA and want to move provider due to the increased fees for small portfolios. I am not paying more money into the ISA. To avoid the stress and time delay of an ISA transfer, can I just withdraw the money at the end of the 2025-2026 tax year, pay whatever is left of my unused…
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AA upgrade
Couple of months ago I booked flight to US. PE going out BC coming back, I’m now thinking I’d fancy BC both ways, there is nothing showing on my AA app at present showing an upgrade (paying extra of course) option, is one likely to appear when I go to check in, if BC seats are still available? Otherwise how do I go about…
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Car insurance - door bump
Hi I'm looking for advice. 6 months ago my young daughter opened our car door into the car parked next to us, leaving a dent (not big but deep). I left my details and got a message the next day. I asked them to provide a quote so that I could decide whether to pay out of pocket or not. Stupidly I didn’t even think about…
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Contact seller question.
I have ordered a couple of items from the same seller, from e-bay earlier this month. The items have not yet arrived and are not showing as "dispatched" either. Payment for the goods is showing on my CC bill. Payment is less than £100. In the meantime, NOT saying there is a connection here but, there has been some…
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RM postal issues warning on ebay
Just gone to print my labels this morning and ebay have the following warning on their label page: Please be aware that Royal Mail is experiencing issues at the moment. We apologise for any inconvenience and if affected, ask that you try again later. I only had a few RM items to go on my business account and all mine have…
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Remaining as Appointee for DLA
I have been appointee for my son's DLA for many years. He has just been awarded Universal Credit and I have been named as his appointee for this. I don't think he needs me to help with this. If I remove myself from this role for UC can I remain as his DLA appointee?
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Help! Water bill increased to £117
We bought our 30 year old house nearly 5 years ago, water company is southern water. 3 bed house, 2 adults and a toddler. there is an ancient water meter in a hole in the ground out front, it doesn’t appear to be visibly turning, and no obvious leak that I can spot. I can only view the last 2 years of water bills online,…
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Biomass wood pellets - Have you seen the prices??
I'm shocked at the difference in wood pellets already. A year ago I bought a 65 bag pallet for £260 and now the cheapest I can find is £485. An 86% increase.... It's going to be a damn cold winter....
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Santander 123 Lite - conversion to Everyday Account from 21 August 2025?
I posted this on another Santander thread, but it probably deserves one to itself for those who still have the 123 Lite. I have not received anything via email or post, but saw this on their website (note “we’re planning”?): https://www.santander.co.uk/personal/support/current-accounts/changes-to-your-current-account…
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Help To Buy - Remortgage to pay loan
Hi, We're looking at remortgaging and paying off the full H2B loan. Does anyone know the process for this? It's probably just me but the Gov. site is confusing and contradicts itself. The "Request to remortgage and borrow more money form" doesn't allow you to provide any information to confirm how much you pay off. Any…
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Probate - how long?
Hi, I know it's been asked before but on this cold and wet afternoon I've nothing else to do but think..... Probate submitted end of June, straightforward, just bank accounts, how long can it reasonably take? Apologies again for repetition, just wanted to hear some real experiences (recently) thanks
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Smart Parking - Submitted appeal, have yet to hear back
Hello all, I didn't realise that I had an account for this website before, which only makes me want to kick myself even more. My car was driven, by a named driver (not me, someone close), to a park in Milton Keynes. Said driver paid for a ticket to park in a bay. I received a notice to keeper letter from Smart Parking…
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TSB £160 switching offer starting 22/01/2025
What’s in the switcher offer? Step 1 £100 switcher bonus * Complete a full switch request when you open an account with us * Log into the TSB Mobile Banking App * Make at least 5 payments using the debit card on your new account * If you do all of this before 14 March 2025, we’ll pay your £100 bonus between 28 March and 11…
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Unusual £800+ Debit Transaction – Fraud, Impulse Spending, or System Error?
I’m hoping to get some advice about a situation I’ve never come across before. It involves my friend, who has a serious mental health condition that sometimes leads her to engage in uncontrolled shopping sprees. Recently, she discovered a debit card statement showing a payment of over £800 from a company that, as far as I…
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5 year old "fine"
I received a letter from DCBL regarding a fine supposedly occurring in 2019. That is good 5 years ago. The presented motive is "parking beyond the permitted time" in a Waitrose carpark. I can't even remember what happened a year ago, so I cannot remember who the driver was at the time of the alleged offense. Certainly not…
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Have the forum pages changed colour?
Are other people also seeing, that parts of the forum pages are suddenly more lilac? It's more noticeable in dark mode. For info, I'm using Firefox browser, with Dark Reader as an extension. Thought I'd ask here first, before trying to find what setting has changed on my tablet or browser.
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Finished college - not sure on next steps - working part time
possibly not the right subject, but looking for any guidance for my child. they've finished college, not sure what they want to do long term, taking a year off from education, may go to uni next year, may not. Currently working part time (stayed in the job they had alongside college). Hours / earnings aren't high enough to…
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Stansted Airport NSL POPLA appeal
Hi everyone, My son had my vehicle for an airport drop off. I recieved a PCN for that day stating he left without paying. I read the sticky thread on here and other threads and appealed to NSL stating I did not have provide the drivers name as I am only the registered keeper. I did not name who the driver was. Stated the…
