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Compers Challenge 2026
Hope everyone is okay with me posting this, @lucinad usually is in charge of the challenge but they have been offline for some time now (really hope they are okay, and are just taking a break!). ALL credit for this fun challenge goes to Lucinad 2026 League April 🥇1st. Freewheeling - £1086🥇 🥈2nd. rise73 - £940🥈 🥉3rd.…
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Moorside Legal county court hearing
Hi everyone, I have been lurking on here about a private parking ticket I got back in 2022 from UKCPS for parking in a visitor bay allocated for people in my apartment building. I followed the template defences and it is now at the hearing stage. I currently have one of the template witness statements that needs to be sent…
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Inheriting basic state pension - SERPS?
A widower friend of mine has just asked me a question & I have no idea of the answer! His wife died 20 years ago when she was 59, he is now 80. So he is a basic state pensioner & she would have been at aged 60. Someone has told him he can inherit part of her state pension. Does anyone know if this is true? Thank you.
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"Protect My Order" Avenue 85
I've just been buying something from Avenue 85 and I noted that there was an addition to the order - a £1.99 to "protect my order". I clicked on the info - https://avenue85.co.uk/pages/protect-my-order It seems they're offering to add some money to your bill so that you can pay for your consumer rights as a purchaser.…
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iFAST Global Bank - anyone with experience of this UK regulated bank?
iFAST Global Bank - https://www.ifastgb.com/home Does anyone with experience of this UK regulated bank? It looks similar to Revolut in terms of the currency and money transfer services offered but, unlike Revolut, it has a full UK banking license and offers several competitive savings accounts in various currencies.
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Trust and Estate Tax Return 2026 SA900 2026
The discretionary trust holds cash in a non-interest-bearing current account. The first page above only has placeholders for the tax reference and the date. There appears to be no place to enter the name of the trust. Is this correct? Otherwise, there are no yes questions over the 12 pages, and I have signed at the end.
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pension over-contribution repayment?
Hello, I understand that if you have overpayed into a Sipp by the end of the year you then have to pay a charge. Could anyone explain what this charge is and how it is collected? Using the example below (all values after tax relief added): A's salary is 40K, giving him a total of 40K he can personally contribute. He…
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Top Easy Access acs Ranked: Top of The Pots - **No Chat**
I've had a few suggestions/requests to start a separate 'No Chat' thread, as the ToTP list gets drowned in 'chat' in the 'Top Easy Access discussion' thread. The aim is to maintain an easy-to-find ranked list of the c.Top 10, available to open & manage online, Easy Access accounts, with links. The purpose of this thread is…
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BW legal Last stage
Hi everyone, I’ve read the MSE parking guidance and a few threads, but I’m still a bit unsure what to do next. I’ve received a Letter of Claim from BW Legal for £170. This happened when the driver was quickly picking up their father, who has a heart condition. It wasn’t a case of parking or using the car park — the car…
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No Buying Unnecessary Toiletries June 2026
If your beauty and toiletries are taking over your life, then this is the thread to help you work through the stash and motivate you to not buy anymore (hopefully!) Welcome all newbies and regulars to this very friendly and chatty thread where we give lots of lovely tips on how to use up your stash and lots of support and…
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Civil Enforcement PCN - Not my car
Hi all, long time user of this forum and regular reader (but not poster or commenter). I've helped many many colleagues, friends, familiy, neighbours and friends of friends with appeals, POPLA, IAS and even County Court. I finally have an unsolicited invoice in my own name!!! Going to have some fun with this. Details are:…
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Lolu's Mortgage Free odyssey
Hello guys and welcome to my mortgage-free wannabe diary! I wanted to start one of these ever since my offer was accepted on a lovely two-bed property in Kent but I thought maybe it was slightly too early. I've always been fiercely independent and want to finally move out of my parents' house where I was paying…
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Independent Legal Advice for Personal Guarantee - Recommendations?
Hi all, I'm hoping someone can point me in the right direction. I'm in the process of arranging a property transaction and the lender has informed me that I need to obtain Independent Legal Advice (ILA) before I can sign a Personal Guarantee. I've contacted a few local solicitors, but some don't seem interested in…
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Landline only for aged relatives
I have some aged relatives (not on means tested benefits) looking for a landline only (no internet) - what is the cheapest way to obtain this ? Please nobody suggest a mobile of any sort (including "look alike" home phones) - they don't want to go down that route……
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Anyone else still pay by cash?
I am just wondering what other people's experiences and thoughts are with still paying by cash? I seem to be one of the few that do still use cash and this often odd looks and people seem surprised at the shops. My financial situation is stable - no debts, emergency fund, pay into a pension and invest into index funds in a…
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CARPARKERS PCN NORFOLK X2!
Hi all, received 2 PCN for both of our vehicles due to meeting partner after work at the seaside with our daughter which is so annoying ! I paid for pay and display for both vehicles which makes it worse but apparently overstayed the ticket which I’m unsure whether we did or not to be honest. You guys helped me back in…
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Door companies - which to choose and avoid?
Hello, Just going mad with a number of companies out there manufacturing doors. Looking for a new external door for a north facing entrance of the porch. I have requested quotes from 3 people locally and they have mentioned the below companies 1)Hallmark 2)Distinction 3)Endurance 4)Universal composite doors…
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PCN - Total Parking Solutions - Left the site - B&Q Chiswick Hounslow
hi all appreciate any advice PCN received from the B&Q car park as stated. Vehicle did not exceed the 3 hour limit stated on the signage. Ive gone back to site to take clearer images of the enforcement notices - they do state you are not allowed to leave the site, I dont know how they can enforce this legally? Any advice…
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Should intake out a loan to reduce my debt anxiety, despite paying more interest?
Hi, ive accumulated 10,700 in debt (maternity leave and my husband lost his job) - its across 4 credit cards, and a small amount of PayPal and Next. Ive been spending the last few years moving the debt between the 4 cards, to make use of 0% offers, so I've kept the interest mlvery minimal. Ive recently moved some debt to…
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Repayment of overpayment of carers allowance dating back to 2010.
I’m looking for advice on a long-running DWP Carer’s Allowance overpayment and whether I have any realistic options to challenge the ongoing recovery. I was overpaid Carer’s Allowance due to working slightly over the permitted hours (I did not realise at the time I had breached the limit and did not report the change). I…
