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Park watch / Debt Recovery Plus / bw legal
Hi, first time user after advice. Followed 'ignore' advice (although missed Letter of Claim opportunity) on here and the registered keeper submitted Acknowledgement of Service on MCOL today. Putting together the defence utilising the template available. Are the following points relevant in any way? When the initial NTK…
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High home insurance due to outbuildings
We have a 3-storey town-house, end terrace. The garage (not attached to the house but within the plot) has been converted into a gym / music room. In the garden there is a small purpose built office. We got insured via A-Plan over 12 years ago and the policy is with Axa. We liked the policy at the time as it covered the…
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Smart Parking defence
Hello, Thank you for all the good work you do. I received multiple letters from Smart Parking. Ignored as per the advice on this forum. They then sold my debt etc. I have now received a Letter Before Claim from DCB. I read the second part of the newbies thread and have sent the standard letter template to info@dcblegal…
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Employer refusing to pay mileage
I work for a charity in England, and have done so for 4 years. It is in a rural area and all of us workers, (20 or so) have to start work at one location and then once or twice a week work from a different location for half a day and return. We do about 400 miles a year on these short journies. We get no mileage allowance…
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HL fees reducing
Interesting that HL are reducing their account fees - e.g. for SIPPs and ISAs from 0.45% to 0.35% for first £250K https://www.hl.co.uk/help/income-and-fees/fees-explained/fee-changes Maybe the ii and A J Bell TV adverts are having an impact! Still any reduction is welcome But there is now a £1.95 charge per trade…
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TikTok Shop using my business information
good morning, new to the forum but I hope someone can help! A few weeks ago I started getting TikTok shop customer return parcels. At first I thought someone was just using my name and address to dump returns at but after looking up the clothing items inside I found a TikTok shop with my name , business name and address. I…
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Gilt ladder implementation Query
I have recently retired and will need to access cash from my sipp from April. I am 60 and will receive DB when I am 65 . So my plan is to use a gilt ladder to live off until DB kicks in. What I am unsure about and maybe it doesn't matter is , do I construct 5 year gilt ladder or 4. if I do 5 years one gilt would need to…
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MBNA problem
On a MSE reccomendation, I made a 5 figure investment with a MBNA fixed rate 1 year savings account which matures next month. I have received a maturity options email from MBNA with link to their website to state my choices. The link doesn't work and says there is problem. I phoned MBNA and the very pleasant girl says…
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Budget Sunglasses needed !! (Sun is in eyes !!) - any suggestions?
Need Sunglasses for driving (sun is irritating) can you give some budget sunglasses suggestions plz. The sun gets in the eyes when driving, have never really had a pair of sunglasses when driving but see people use them. Where can I get a budget pair of driving sunglasses? is it compulsory to have a prescription from the…
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Valued Opinions locked my account out !!
I have been a member of Valued Opinions since 2010, which is over 26 years now. and start ofthis year, I tried to access my account, and I thought new verification process. I have evidence that I have edivanced that i been successfully through a third-party company, Veriff. Never had any problems or issues untilnow. I have…
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S and s isa
Hi I definitely want to open an s and s isa before the tax year. Not certain which platform yet Atm maybe vanguard fidelity or investengine If I buy some shares in a GIA can I transfer them to a s and s isa once I know which platform I like best?
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What exactly happens if there's no tax, insurance, or MOT on a vehicle?
Hi all. Does the registered keeper get any letters or visits from the police? Because there's a car in my area with no MOT for a few weeks now. Presumably they've not had any contact from the relevant authorities including the DVLA? Thanks.
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Contracted out but no effect on new state pension forecast?
Hi, I thought I'd look at the muddy world of my state pension forecast and I'm a little confused. I just hit 60, but I only started a workplace pension in early 2002. My new state pension forecast tells me "Your forecast is £221.20 a week, £961.83 a month, £11,541.90 a year" "£221.20 is the most you can get. You cannot…
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Myheritage yearly subscription - Refund
Hi All, I have been trying to cancel my Data subscription on myheritage multiple times last week but it kept going to a page not found screen. The payment has still been taken of £130 am I in the right to request a refund on this? As I have made the effort to cancel it before the due date.
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Which mortgage broker?
Hi I have recently sold a flat and am temporarily renting whilst searching for a new property. This is taking some time - I had an offer on a ground floor leasehold flat but turned out it had no EWS1 and the broker (L&C) said I was turned down on that basis. However I am 58 and so can only borrow for max of 17 years. I…
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Spouse Inheriting ISA's
I believe that when a spouse inherits ISA's that there is a Additional Permitted Subscription that can be used. My question is would the building society inform the recipient of this at the time ,as I would imagine its something that could be overlooked at a stressful time and may lead to some losing the tax free status of…
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Yet more simple delivery issues
Sold 3 items today. All have been listed for ages so have all been automatically changed over to simple delivery. They are all large letter size. 100g or less. I've been charged £3.38 for postage on 2 of these items and £4.26 for the other. Whats even more annoying is if I go to revise these listings the 'recommend option…
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Notice of enforcement from CDER group (due to PCN)
I know that this forum mainly deals with private PCN's, however since there's a debt collection/agency involved, I thought I'd post the details here anyway. I have already posted PCN related query to FLTA. Thanks. Hi There, Somewhat unusual situation, for us at least. Earlier today, we received a notice of enforcement from…
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Parking Apps - Can you claim a keying error?
I parked and paid at a car park using the Ringo app. My trip
was extended so that I ended up staying overnight and the following morning I
went to buy another parking session whilst remote from the car park. It turns
out that I inadvertently selected the next door but similarly named car park in
the app. I think this…
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Money management fixed rate cash isa - cash Isa - fixed cash isa
when my fixed rate cash isa matures.. I can let it default to ordinary flexible cash isa. Can I withdraw some monies then and re-invest the whole of the remainder back into a fixed isa ie if I had 40k initially , withdraw 10k and then transfer the remainder (30k) into a fixed rate cash isa and also add a further 20k as…
