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PCN - Wing Yip, Manchester
A couple of weeks ago, I stopped outside the supermarket to pick up my elderly parents (one of whom has a blue badge) I was two mins at most as my family loaded the car. A PCN came through the door at the weekend. One picture is of the car boot open. Is it worth appealing on the grounds of blue badge holder? I'm fairly…
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Smart parking Ltd defence
Hi, I have been issued a claim from smart parking Ltd for alleged owed money. It is dated 22nd October and I have logged acknowledgment of service on MCOL. I need to submit my defence very soon as understand the deadline is approaching. I’d love any thoughts/feedback before I submit. Particulars of Claim * The Defendant…
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Capital Gains tax on a property purchased in 2014 and selling in 2025
According to Gov UK, instead of using the original purchase price if purchased before 2015, you should use the market value of the property as of April 2015. Can I still claim the purchase expenses of estate agent fees and solicitor costs for CG purposes? I know I cannot claim improvement costs incurred before April 2015.
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Multiple characters missing when entering registration number
Hello, Sorry for starting a new thread but I've read the Newbies thread and am unsure how to continue. My wife paid for parking at a hotel when Park Maven operate the car park but she missed entering two characters out of the seven characters of the correct registration number. She has received a Notice To Keeper stating…
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My diary of getting 'nearly debt free' by the end of 2026
Hello! We had an awful couple of years financially, genuinely due to no fault of our own (house moves falling through, ripped off by a builder, our car being written off you name it, it happened). It left us in quite a bit of debt. We are now totally settled and tackling the debt. I earn £50k a year and my husband similar.…
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Self Employment and NI/State Pensions
My wife and I have been in a business Partnership for many years but whilst for the last 5(plus many more) my NI contributions are showing as 'Full Year' my wifes are not.....I should mention that I started recieving my State Pension in July 2025 and my wife is due hers from May 2026..is ther any reason why there should be…
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Candle making kit recommendations
Morning all,Looking at getting my wife a candle making kit for Christmas. She loves crafts and we both love candles!I've looked online, but there are so many kits around so thought i'd ask on here for any recommendations!
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Bespoke Kitchen discolouration
Dear all, just looking for some advice. I had a bespoke expensive kitchen installed 10 years ago (total cost around £30k but that included building works) . In the last few years the edges of EVERY cupboard/drawer have irregularly discoloured as per the pictures. At first I thought they needed a good scrub but nothing…
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Taking my tax free lump sum and converting to a drawdown
Hello, I'm thinking about converting a SIPP I've got to a drawdown pension and taking 25% tax free, in order to pay off a mortgage. But I intend to continue to contribute to another SIPP I have with my current employer. If I've read the rules correctly, I can still do this. Plus, as long as I don't take any taxable income…
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Motor insurance premiums up 30%?
I insured my ancient Volvo last year with Churchill for £250. This year it is due to automatically renew at £326. Nothing has changed. The car is nearly 20 years old, and worth say £3k. Have premiums risen by 30% generally? If not, is that rather a cheeky rise, and I need to go through the whole tiresome process of…
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Had Drop Kerb done without planning permission
Hi all, I'm in really terrible situation, I bought a house in 2024 all my neighbours had dropped kerb except mine, I applied to council to get one done in March 2024 but never had a response (Somehow I missed the response in email) . The permission wasn't granted due to dept of the carriageway being 5 meter where only 3m…
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Balance transfer and credit advice
Hello, Like a fool i have managed to borrow too much on credit cards and now the monthly payments are getting pretty high. I have managed to transfer a sizeable chuck to one new card on a 36 month interest free card but when i tried to apply for another interest free card i was only offered £480. I suppose £400 on an…
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Struggled to get Internet access when using app then received fine for not paying enough
Hi. I'm new to this so please bear with me. So, I parked in a Euro Car Park in Portsmouth on 16th October. I entered the car park at 9.37am. I had my granddaughter with me. I went over to the pay point, and as usual nowadays, you can only pay online using the Just park app. I immediately tried to open the app to pay for a…
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Remortgaging vs simply product switching with same lender
So I’m about 4-5 months away from the end of my 5 year fixed term and have been contacted by my broker who organised original mortgage back in early 2021 about handling my remortgage / looking at options. I do understand that every situation is different but have people actually made worthwhile savings by moving lenders at…
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What kind of survey for a new build?
I'm in the process of buying a new build and it's been 16 years since I last moved! The mortgage valuation has been done and I have my mortgage offer, but I'm unsure if I need to get a structural survey done. I'm planning on getting a professional snagging survey done, but I'm wondering if I should still pay for a…
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25% tax free before budget
With the budget looming and talk of Reeves changing the 25% tax free payment from pensions, question is if I call my pension providers Monday and ask for my 25% tax free lump sum, will that still be honoured if after the budget that % changes ? Not sure how it will work, any advice, much appreciated thank you
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Frump to Fab - 2025
Happy New Year 🥂🍾 Welcome to the new bright and shiny all singing all dancing new thread. Are you ready to transform yourself this year. To get fit, healthy and gorgeous. To ditch the frump and to get FAB-U-LOUS. To emerge from the chrysalis into a beautiful butterfly. Are you fed up with being a downtrodden workhorse, are…
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Can’t prove purchase
I bought an air fryer from Asda just under a year ago but paid for it in with my grocery shopping. The element has broke so it’s not heating but I don’t have the receipt from all that time ago where it would have been seen listed and the transaction on my bank statement which I know can be used as proof of purchase only…
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Stick with Santander 123 Current Account or Switch to Santander Edge Current Account?
I have had a Santander 123 Current Account for years and am wondering whether to switch to a Santander Edge Current Account instead? I don't need an overdraft and am more interested in interest rates and cashback. What would be the best move?
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Unfair dismissal after 22 months
hello guys, I was employed a software developer for a new startup project and hit the ground running with my new team. However the parent company was asked to "HANDS OFF" my company, by the equalities commission UK, as they purchased too many companies. 12 months later we were bought over by another global company. and the…
