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Received first default notice
Received my first default notice though the post for a Zopa loan. It says lender for this agreement is Plata Finance ltd (formerly Zopa ltd) which is news to me. No mention of Plata in credit agreement. Do I need to do anything at this stage? It’s given me a deadline of beginning of May to pay arrears (which obviously I…
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Cheap Energy Club tarrif not available - why
Been a member of the cheap energy club for a while. I'm cuurently with Octopus on a monthly DD November 2024 v2 tarrif. According to the Cheap Energyu Club email, I should be eligible for the negotiated Octopus Energy 10 month fox but when I try and access it, I'm told I'm not eligible. Any idea why not? My Octopus account…
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Lodging complaint about estate agent for emotional blackmail
My friend wanted to buy a house and the offer was accepted and after the survey the house needed about 8,000 pounds of very urgent roof repairs according to the structural survey (as well as a load of other stuff that needs doing in the next few years such as damp course, leaking chimney, repair of non-moving structural…
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Credit Card Scam - Bucharest
Hello All, New to the forums and just wondered if I could get some guidance. My nephew (28) and a group of his friends went to Bucharest for the weekend. It did involve a lot of alcohol. On his return, he found that £2700 had been taken from his Monzo card and £270 had been taken from his Santander card. One of his friends…
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CCJ sent to my old address - Set aside application and fee payments
Hi all, I received a CCJ to an old address from G24 ltd regarding a parking event in May 2025. I was able to collect my old mail from my previous address included the POC and all threatenings mails from DCBL Baliffs. After reading the NEWBIES posts and related subthreads, I prepared a letter for DCBL to set aside the court…
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Nationwide Mortgage
Anybody applied with nationwide recently Text: 8th July Hi, Nationwide here. We've received your mortgage application. If you're an existing customer switching to a new deal, your switch has been accepted.
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Unauthorised item on bank account
I check my bank account daily and this morning there was a payment to Apple dated today of £89.99. This payment was made using my new debit card. I’m sure I haven’t used my new card for any Apple payments and I have no idea what it is for (it says it’s a recurring payment). My bank have advised that I contact Apple direct…
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POPLA Stage - Bridge PAM Edmund Halley Way Greenwich
Hello all, The RK to a private hire vehicle received a PCN for unauthorised parking at Edmund Halley Way in Greenwich near the O2, next to the cable car station. This is typically an area where an Uber driver will wait for passengers to be picked up, as not too far (about 100 metres away) is the dedicated Uber pickup…
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New Solar and Battery installation
Hi all, I've been a lurker for a while but signed up to the forum today as we are in final throes of purchasing a new house. As part of choice of house, we wanted to install a solar and battery system on the property. We will also be looking at if it is a suitable property for replacing the gas boiler with an air source…
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SO energy
Has anyone had conversations with SO energy with regards to fixed tariff and the budget reductions from April 2026? I called them to clarify their position as I am considering tranfering to them to an EV tariff. I asked if I signed up to their fixed tariff would they reduce the tariff in April when the discounts apply. I…
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Selling home emotions
We have been living in our present home for almost 30 years, but it’s too big for us now and we feel that we ought to sell it and buy somewhere smaller. Even though this is clearly a sensible idea, we are both really unhappy at the prospect of moving. It feels quite a lot like a bereavement. We have found a really nice…
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Moving Shares from GIA to S&S ISA
Hi all – I have shares in an old employer, which were bought on a monthly basis through an Employee share scheme. Often my purchase was fractional share amounts. I was in the scheme for a good number of years and as part of the scheme received “Matching Shares” which have all had their minimum holding time. These shares…
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Best Cash Isa rates
Hi. Looking to ensure the best place for the cash as the new tax year is looming large, and I see the best rates - Trader 212 and Leeds BS are similar to Chip's rates, but Chip is nowhere to be seen in the table. Is there a problem with Chip that would exclude them from the table?
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How long does it take to get a refund?
I used my Visa card to buy some goods from Asda on Saturday afternoon, 3:05pm total £75. I returned one item as it was priced wrong on the shelf. Returned £11 at 3:10pm. I have both receipts for the purchase and return. Both receipts say "payment approved", "Refund approved". On the same credit card number. Only the…
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Avoid parking tickets on private land if working on site (contractor parking)
I thought I would add this as I didn't think of it myself and I could have avoided multiple parking tickets. Private Land is a pain in the backside as an engineer attending properties for repairs. I have received 3 private land tickets this year so far - they are like vultures nowadays. The last appealed ticket from "PCM"…
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UKPC operator comments on my POPLA appeal - help pls!
Hi all, I recently appealed a UKPC notice to keeper parking charge - please see redacted appeal below. However, the operator has provided comments which I'd like to respond to - my main point is that they haven't identified the driver and keep requesting me to do so, as the basis for their case. I don't want POPLA to just…
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Additional Dwelling Supplement in Scotland - seeking advice
Hi folks - newbie here needing some help. Our situation's a bit out of the norm so we're struggling to get reliable advice. Up until recently I was a Church of Scotland minister, living in a tied house - a manse - that came with the job. We've been here for 20 years, but I've recently changed jobs and as a result we'll…
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Motherboard shipped with BIOS that could damage CPUs; retailer won’t refund.
I purchased an ASRock AM5 motherboard from Scan.co.uk in March 2025 and built the system in April. In January 2026 the PC developed severe boot issues. A BIOS update in February improved things slightly, but the system still only boots successfully from a cold start about 20% of the time. I contacted ASRock support and…
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I need some help - Cyprus
My father (pops) passed away in Cyprus. Pops had dual citizenship and was living in Cyprus at the time. While I have been applying for the uk probate the British HM Courts and Tribunals Service have requested a copy of the Cyprus will. Does anyone know why they will need to see a copy of this will, as I have provided them…
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are there any companies accepting online electronic transfers from trading 212
My introductory rate has now ended and i want to transfer my existing ISA. I also note that some companies rate for a transfer is less than a new isa. is it possible to transfer an isa to a new provider and at the same time set up a new isa as a new isa with a new provider to benefit from the higher rate. i have put in…
