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How to use parent's DMHEF to protect health & keep home that already has Lifetime Mortgage?
Hi everyone & thanks in advance for any advice you can offer on this one : ) My parent is in their mid-70s and has £26k in unsecured credit card debt across nine accounts. They are two months into a StepChange Debt Management Plan (DMP) with payments of £55 a month, which is a struggle to afford. Two years ago, my other…
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Parking charge notice appeal denied
Hi, I recently got a parking charge notice from company Parkingeye. First and foremost, now I am aware I shouldn’t have interacted with this notice at all but now I have done so and looking for the best way to go ahead about this. It was in Edinburgh Meadowbank Sports Centre and I have been playing football for years…
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Overpaying on CC debt ahead of remortage
So I have some CC debt and I'm working hard to overpay ahead of my remortgage. My current deal is up January 2027 so will be looking for deals around September 2026 but between now and then I'm hammering my credit card debt and overpaying significantly to get the balance down. My question is: - Will the monthly payment I'm…
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Is an offset best for my circumstances?
Is anyone better at working out these things than me? I’d
really appreciate any advice. We require a mortgage of £180000. Best rate we can find is
3.85% with no fee and £250 cashback. We will have roughly £60000 left over once purchasing. We
want to keep this aside in case we want to send our children to private…
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CEL multiple court cases, hopefully the final waste of the courts time and mine..
Hi, I was just looking for a bit of advice. I successfully defended a case against CEL for 3 PCNs and have now received 3 separate LBC'S for the same PCN'S. Thankyou in advance.
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Group nexus parking invoice
I have recieved a parking fine from group nexus for overstaying in a services car park for £100 reduced to £60 if paid in 14 days. I had no idea there was restrictions until i got the letter the other day. Do i need to pay this or can i ignore it. Any help greatly appreciated Peter
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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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Letter from DCB LEGAL - parking fine
Hello guys. Sorry this is going to be a long one and I’m new to this forum so bare with. On 16th May 2025 I received a letter from dcbl titled ‘notice of debt recovery - multiple unpaid parking charges £340’. They attached another letter to this with my old car number plate and two dates they are claiming I hadn’t paid for…
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Is my safety net big enough?
Hi everyone, just want to run my figures past the experts here to see if I’m missing anything. I (61M) and my wife (59F) are currently partially retired civil servants looking to pull the plug entirely either, at the latest, in 2 years time, or preferably next year, the determining factor being having enough savings to…
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McDonalds Wisemore O.P. Got Me As Well!
Hi! I have just received one of Ocean Parking's £100 Penalty Charge Notices in the post today over parking there from 9.05 to 9.40 on Saturday the 4th November 2023! As with all the other posters on the Forum regarding these parasites, the signage is impossible to read, furthermore I couldn't see any notice on McD's Door…
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Self Assessment Refunds Taking Forever....! Why?!
You can expect a reply by 16 September 2025 This date is an estimate and may change. More information HMRC has security measures in place to protect customers which may cause a delay. We may need a further 12 weeks after 16 September 2025 to issue your repayment. We are currently processing claims received on 12 May 2025.…
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Esa Contributions based - bank loan
Hi everyone I am on Contributions Based ESA. I declare the small pension i have. I would like to borrow some from my bank for home improvements on top of my existing mortgage. Is that ok? I am on no mean teated benifits. Is that ok,
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Inheritance Tax
Hi, Tricky one this but hope you can assist. In March this year my Auntie passed away, I am her only living relative and the residuary beneficiary of her will. Her partner, (never married and I believe never in a civil partnership) of over 40year passed away in April 2024 leaving 51% of the house and all contents unless…
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Parking fine euro car parks help
My Nana received a parking fine for overstaying in euro car park where they Had an evening rate of £2 she paid £2 which is shown on the ticket but was only given one hour, I don’t know why euro car parks rejected the appeal.
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Private PCN Scotland
Afternoon All, Received a PCN in the mail from GroupNexus, alleging that a vehicle registered to me was parked in a retail park for almost 2 full days of time, spread across 3 calendar days - I won’t be too specific on the details. Clear double dipping, I am aware as the vehicle keeper of both visits to said retail park,…
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PCN Claim Form - Civil Enforcement Ltd - PCN Date 14/09/2023
Hi All , I received a claim form in relation to an unpaid PCN I received from a (free) car park at a local pub, where I did not enter my VRN details to the tablet provided as I did not see the sign. I then ignored the private company PCN letters as I normally do and received months of 'final warnings', which stopped for a…
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Defence help - Euro Car Parks/DCB Legal
Hi, In typical ADHD fashion, I've waited until the last day to un-bury my head from the sand and need to submit defence for a parking ticket from 2022. I wanted to double check some things/ask for advice, I've read the newbie and defence thread. I'm in need of some help with my defence, as rather than a ticket dispute, I…
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Court Claim sent to old address..
I've received a Court Claim for a PCN from DCB LEGAL dated 28th May 2025. I have only just opened it, I moved address on 19th April and the post was collected by my old estate agent. What is my first move here to start dealing with this. Many thanks
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ESA to UC Migration. End benefit claim.
Hope someone can help. I have a partner who has asked me to move in with them, as part of the move and the strengthening of the relationship I want to close my benefit claim as he earns more than enough to fund both of us. I have a migration letter but i am not sure how I go about cancelling the migration and ending the…
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Video Doorbell (Eufy 340) using existing doorbell
my background isn't electrical but wondered if my existing doorbell would provide sufficient power for my new Video Doorbell or whether I would need to replace it for a transformer. Thanks in advance.
