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Claim Form - Napier Parking / BW Legal - Defence Stage
Hi all Received a claim form from Napier Parking / BW Legal dated 3 July 2025. I have filed acknowledgement of service today, this gives me until 4 August 2025 to file my defence. Situation The situation is Napier / BW allege that the driver parked in the car park for 15 mins and 30 seconds - over the 15 minute grace…
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E.on Next Smart Saver
An interesting new tariff from E.on that may be of interest to some. It launched on 15th April: https://www.eon-uk.news/news/e-on-next-launches-uks-first-fixed-time-of-use-tariff-for-the-mass-market You need a smart meter. Like some Octopus Energy smart tariffs it has an expensive Peak rate between 4pm-7pm. Then it has a…
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Horizon parking (TESCO) court documents arrived.
Hi all I've been through this before however a good few years ago and need a few pointers to get me on track to defend this one please. Tesco car park 55 pound invoice issued via post. I overstayed by a few hours and then got bombarded with letters. Car is on camera leaving at the times specified. Started off at 55 pound…
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Probate final stages - How to transfer house to ltd company efficiently and other questions
I’m the Executor of my late mother’s estate and think I'm near the final stages of finishing things up. There is no IHT to pay on the estate. The headline figures are that the family home was valued at £240k at death and there are shares and savings at approx £150K in shares/savings and the estate is eligible for the…
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Nectar points stolen in spite of locking it
A couple of days back around 6:30 PM, got an email saying that significant amout of Nectar points were redeemed at a store in London. The Nectar contact centre phone line closes are 5:30 PM which was conviniently mentioned in the email. The "Spending Lock" on my account was still active. No idea, how they managed to steal…
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Stopping the backsliding… a family of four no longer living beyond their means
Some of you may know me from my last diary, which was on Mortgage Free Wannabe. The truth is, I’ve not paid anything extra off my mortgage for years, I’ve not saved like I meant to, and I currently have £1,000 on my credit card 🤦♀️ 🤦♀️ 🤦♀️ I plan to have this paid off in under 3 months, so I could have stayed on my old…
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Faulty Car - Rejection for full refund
HELP...!! I purchased a car on the 9th July. Became undriveable on 10th July. Speaking to local garages was advised it was most likely a clutch issue and do not drive it. Wanted to reject and have a refund. Garage advised could not refund prior to an inspection. They wanted me to take the car to a garage an hour away, I…
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Is Lycamobile as bad at Customer Services as all reviews say?
I have recently been looking at the Lycamobile offerings, and they are quite amazing. As Plusnet is closing, and porting people to EE, the question of... will EE push up pricing, or honour what we have with Plusnet. Voda is poor in my area, so it has to really be an O2 provider. But look up any Lycamobile review:…
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Amazon 1-click disappeared from screen
Has anyone had this problem - the option to turn on and off 1-click has disappeared from my payments screen and I am unable to switch it off (meaning my default card is saved and all purchases can be made without entering a cvv number) - I've had a long and frustrating chat with online help who were equally baffled and…
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Backdated Occupational Pension
Hello Looking for some advice please. I came across this post on Rightsnet from yesterday titled Backdated Occ Pension. I'm confused about the advice given to the OP can anyone shed some light on this ie by explaining what the answers mean in simple terms? Has an overpayment occurred or not?…
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Extra expenses from insurance claim
I had my car written off after a third party drove into it from behind. I have settled for the car but my insurers say they are not liable for any other costs - taxi to get home, road tax paid (due to delay declaring written off) and annoyingly £25 to amend my policy for a new car! All of these were a direct result of the…
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EON prepay electric meter stopped working-what happens to the existing credit if replaced?
Hello everyone, as the title said, the EON PrePay meter at the place I live stopped working. We had a power cut last week and when I checked my meter earlier today, the screen was blank. I've looked on the internet and apparently this happens after power cuts. Now, last I checked last week I still had £190 left on the…
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Beating business savings interest rates with Money Market Funds
I'm posting this partly to share what I've worked out and partly in case anyone has any comments to add. At the time of this post, the best instant access savings rate for businesses seems to be about 3.15% (Recognise Bank). One way to get a lot higher rate than this is for the business to buy a money market fund (MMF)…
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Crypto regrets
I dabbled in crypto around 2023. Tiny amounts initially but when I had the courage to go big, my bank 'S' stopped payments to binance. I instead invested in property, which resulted in a loss.... Are there any low fee crypto platforms where I can start again, that won't be blocked by my bank? Have I missed the boat or is…
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O/S Daily Thursday 24th July 2025
Good morning, just starting off.
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UKPC -- Parking outside of bay, Valley Retail Park (Croydon)
Bit of an unusual one here... There was a bird in the parking bay, as the attached photos show. I think it was a bit injured. Anyway, I wouldn't want to injure it (and to do so would be illegal), so I parked adjacent thinking it would move, and I would then straighten up. But it didn't, so I just popped into the shops…
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Ur.co.uk
I stupidly send them my phone after reading a few good reviews about this website. They offered decent quote to buy my phone, I even avoided the higher quotes with bad reviews. Anyway short story is they ghosted me since I send my phone in, their phone line just rings out with no answer. Emailed them with no reply. I just…
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TalkTalk transfer to utility warehouse. Is this legal?
Just received an email from my broadband provider TalkTalk today 21st July that as from 30th June I've been 'selected' to be transferred to Utility Warehouse where I will 'benefit' from extended services to customers across the UK. The email states that beyond award-winning services, Utility Warehouse helps customers save…
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Smaller home good/bad first step on the ladder?
I'm in the process of buying a 70 sqm semi home as a first time buyer. I'm aware this is small for a house, however it's cheaper than 100sqm homes or over (of course not proportionally, due to the small home premium). However, for a single occupant and maybe with a future partner (thinking a few years ahead) I think it…
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Level 2 Survey - 20y old house
Hi, I've recently had a Level 2 Homebuyers Report done along the valuation from the bank. The house was built in 2004 so relatively new. There was no obvious faults with it. The surveyor had picked up on very minor cracks below DPC in 2 spots and also a very minor crack that appears to be between the conservatory and the…
