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IFA
A quick one. I've never used an IFA but a friend has asked for advice, she says her adviser is independent but charges 3% a year, which I think is high. What's a spread for reasonable IFA charges?
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ECP /DCB LEGAL COURT CLAIM 3
I missed this one.. hands up, just couldnt keep up. I have some discontinued, some that appear to not have been follwed up, some that went wrong and had to be corrected, and yeah, i just missed it. POC are mirror image of the others, AOS sent 13-08-25 Can i ask if the template defense including cause of action…
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UKCPS - HM Courts & Tribunals Letter
My wife had a parking fine from UKCPS in January 2024 when she was at the gym, Total Fitness in Wrexham. The gym was busy (as they are in January) and the car park was full, She parked in one of the disabled bays and asked if that was ok with the receptionist, and was told it was. She later received a Notice to Keeper with…
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PCM PCN in residential bay - Please help
Hello, First I do apologise I did go through the newbies thread but most of the legal stuff there is just way over my head, and legal stuff has always been this way for me, so please bear with me. I'm renting a flat in a residential building that comes with its own parking bay. Both my wife and I own their own cars so in…
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O S Daily Tuesday 27 January 2026
Just starting us off as everyone seems late,,,,,,,,
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How to pay CGT on life rent trust
On my father's death a life rent trust was set up that holds my father's share in a btl property and his share in my parents home. My mum is still alive and kicking. We have recently sold the btl property and are now trying work out how to pay the required CGT. I can see how to add a cgt account to my mum's hrmc account…
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Car park fine for parking in a hotel as a guest even though I entered my car reg at reception
Hello, I received a car park fine for staying in an hotel. The hotel parking is free for guests but you have to register at reception - I did this but still got a ticket from UKPC for not making a valid payment. I stayed for two nights (arrived in the evening, parked and entered my car reg at reception, left the next…
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Full and final settlement - Lowell
Hi all I got Lowell to agree a partial settlement for a defaulted debt. This was their email response to me. Is this watertight enough to not sell the debt on or do I need more from them before sending the money? Dear xxxx Your payment planBalance £490.94Agreed payment amount £200.00 *Thanks for your recent payment offer.…
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Pay rise..what to do with it?
Hubby just got a 10k pay rise. It will be for at least a year as its all contact dependant. We have no mortgage and no debt. Anyway we now are in the fortunate position of that coming in. He will go from 40k to 50k per year. He's going to up his pension contributions by another 1 or 2% but we are very low on savings..we…
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Live in Carer Council Tax Discount
Hi, after seeing Martins story on GMB, I contacted Runneymede Council as I do in excess of 35 hours care for my mother who I live with. My mother receives the Attendance Allowance lower rate. The council said they will send out the form to apply. I aksed how long will they be back dating it, the adviser said threee months.…
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Self assessment payment showing as credit rather than paying the tax bill
I do my dad's self assessment. This year he owed just under £50, and we made the payment a few weeks ago. On his Self Assessment page, under "Your balance" it says that he's in credit by the amount that we paid, and under that it says that this will pay his tax bill on 31 January 2026. Last year he owed just over £60, and…
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Deed of Trust - Advice needed please
Evening all, I am getting mixed responses when im searching my situation online. In short i own a home which i rent out on a consent to let basis (i am armed forces), this is my only home which i plan to live in when i retire. I have a £85k mortgage and i purchased it as a first time house with stamp duty relief. Me and my…
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One Parking Solution Ltd, ZZPS, GCTT, QDR
Firstly I just want to thank all those who have contributed to this forum - honestly you are all awesome! In moments of weakness I come back here, take a deep breath and continue to ignore threatening letters....I have read the newbies thread which has been super helpful. This case is not different from many I have read…
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Co-op fake 'Unusual Activity' competition email
Anyone else annoyed at the Coop competition email with the header 'we’ve detected unusual activity on your membership' So irresponsible especially less than a year after they allowed themselves to be hacked and all our information compromised. Obviously, after opening their email, I realised that it was only an email to…
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TML mortgage advice please!
My husband has 5 defaults Mmostly 3 years ago 1 might be 2 years ago, he is using CIS slips but only shows on there the 20% tax no NI, he cannot use tax returns will The Mortgage Lender accept this? I also had 3 universal credit payments recently (1 a month) as my dad passed away my husband rented elsewhere and my mum…
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Parking Charge Notice to Hirer ( from CUP enforcement )
I recently received a Penalty Charge Notice (PCN) in the post for a hire car my wife and I were using after her vehicle was written off. The alleged contravention took place on 15/05/2025, but the notice itself is dated 24/07/2025—likely reissued on instruction from the hire company, Enterprise. The location in question is…
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Account disappeared from credit reference agency reports but not due to old default?
Hi, this is a bit of a head-scratcher for me and I'm not sure how to proceed without potentially putting myself in a less favourable position than I am now. I would really appreciate some advice or inputs (if someone has been in a similar position). I had a Vanquis credit card (among others) and in August 2019 I entered…
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I have 2 Double Dipping PCN's, Im Also Vulnerable Person, Can Any Organisation Help
Good Afternoon Guys I have 2 double dipping PCN's, The first is with Debt Recovery Plus originally a Euro Car Parks PCN, for spending 17 hours in a standard Motor Fuel Group petrol station 1 mile from my home. The second is at the CLAIM FORM stage, raised by DCB legal and originally a CP Plus PCN. I got this at Manchester…
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Parking charge for overstaying at petrol station services
Recently parked at a petrol station near Gatwick at which there is a Pret A Manger attached. I ordered two coffees and pastries and we ate in. I later recieved a parking charge notice for staying too long. We stayed 30 minutes. In this time we consumed food and drink and used the bathrooms. The fine is from Group Nexus.…
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MCOL defence missing
My wife parked in a euro car park back in 2022 and was unable to pay due to a broken pay and display machine. They shortly afterwards sent a parking charge demand to our address and we have ignored all their letters since, including when they started coming from DCBL. We received a court claim via CNBC for the unpaid…
