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PCN from Islington Council and appealed but now received Notice to Owner
Hi, I got PCN in June and then I appealed immediately on their website but after submission I don't receive any email or post confirmation of my appeal. I called once and they confirmed over phone that my appeal was there. Since then I am waiting for a decision. But now I received a Notice to Owner letter requesting me to…
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Charities CAF Bank in meltdown since their new system went live Monday 9th June
It is now three (3) working weeks since the UK Charities Aid Foundation (CAF) replaced their old banking system with a brand new one. STILL it is not working properly and there must be hundreds of accounts and thousands of people who can not get access to their accounts due to login, OTP and errors in the system once you…
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Share ISA
I recently bought some shares from a works scheme. Am I right in thinking that if I open a share ISA and transfer the shares into it within 30 days of purchase, that they will be capital gains tax exempt up to a limit of £20,000? If this is correct, is there a minimum amount of time they have to be in the account before I…
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Semi-Commercial Advice Needed!!
Any help and advice gratefully received! A year ago I moved back to my home town to set up a specialist education service. My business is a Ltd co (by shares) and I am the sole Director/proprietor. I rent a property in which I both live and work (I work with children who are unable to attend school, and providing a…
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Tesco Clubcard Days Out Trick - Doing Good
Many of you will have seen, the latest weekly newsletter highlights a current promotion where if you exchange 500 points on a Days Out voucher, you'll get 1,000 points back. If not, read here: https://www.moneysavingexpert.com/deals/tesco-clubcard/#5HXepjyvz37nirKAdgyHfk Having looked through the Reward Partners qualifying…
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East Midlands Airport Rapid Drop Off
Currently waiting for a £100 fine to drop through the door. Beware the rapid drop off ANPR cameras and pay online before midnight! Seems like no leeway for the fine - first time I have seen this system. Good idea for EMA to up their revenue stream. NB Also in place elsewhere - BHX
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Selling on Viagogo help
Essentially I've messed up. I excitedly bought two tickets off someone on Facebook for above face value. I used goods and services PayPal so if she didn't send the tickets when they are available for transfer I could get a refund. Anyway, I then told my girlfriend about the tickets who went crazy as we're due to give birth…
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Buying out an Interest in Possession Trust
Hi all, I am sure some will remember my situation. Mother died leaving her half of property to me but in IPDT for my brother that has no clause for ending expect my brothers death. If the property is sold my half has to be invested for his benefit. He is currently in a nursing home, self funding. I have LPA. In a previous…
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4 free airport lounge passes
If you take out an AMEX gold card (credit card) you get 4 free lounge passes. you can use 2 at a time. extra guests charged £24. The card is free in first year then £195 a year so remember to cancel if its not for you. You also get 2 x £5 deliveroo discount each month if you use these apps. If you spend 3K on your card in…
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Estate agent viewings
Hi , Your thoughts please, our EA is sending people to view our property that do not have their property on market. Iv been doing the viewings myself and always make buyers welcome . we have been on market for a month now the very first viewers offered £ 20,000 under the asking price . we did not even take it seriously as…
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Advance Ticket South Western Railway
Hi. I'm wondering if anyone has come across this issue before. My understanding has always been that Advance tickets will be cheapest when first available, that prices go up as availability goes down. In June I bought an Advance single with SWR on the day they became available, for £8.10, Salisbury to Woking, for a day in…
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Thames Water - high usage...
Have been in my current address for 4 years, never really
noticed an issue with water, just paid the bills. Back in October 2024 however something caught my eye
– as a little aside, the bill mentioned
my use was the equivalent of 3 bathtubs full of water every day. I had never looked at litres/use before but
this struck me…
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Gas smart meter not sending readings
I'm not sure if this has ben posted previously as I couldn't find a thread. I had smart meters installed 3 years ago and I was advised they were smets2 meters. Since installation the electricity meter has performed correctly sending readings and has been no trouble. The gas meter is a different matter. Since installation I…
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Credit Report Plan for a Mortgage
I'm wanting to apply for a mortgage however my credit rating is in tatters at the moment so I've come up with a plan to resolve it and wanted to share it to see if anyone had any advice or suggestions. Basically I was in about £15k debt in 2021 and the endless phone calls and knocks on the door was sending me under so I…
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Excel/DCB Legal lose in Wakefield County Court
Interesting afternoon in Wakefield County Court: A ticket costing £1.20 turns into a claim for £258.64 with usual add-ons. DCB Legal, notionally representatives for Excel Parking Services, instruct a scruffy solicitors' agent who fell short of professional and ethical standards almost throughout the hearing. He gave a name…
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Lease Car - Company charging VED/Road Tax
Hi Sorry new to the forums and looking for some advice. I have received a letter from my lease car company requesting payment for £520 which is due to unforeseen increases to them for VED. £440 + vat. They are claiming that the agreement means that they pay £180, then VED has now increased to £195. On top of that, quote…
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Transferred money on day Natwest account was closed.
So I transferred money on the day my Natwest account was closed. I didn't know about it closing, they sent the letter but I was staying somewhere else for the first half of the year. It was literally on the day the account was closed. Because the day before I accessed my account on my mobile app. After finally getting…
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Conveyancing and access to the public highway
A quick question for anyone with a conveyancing background…. When buying a house that can only be accessed by crossing private land to get to the public highway, is it standard practice that the conveyancer will require that an easement is shown in the original transfer documentation (TP1), or other legal document? As in,…
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Annual policy- start date?
I know Martin's advice is to buy insurance as soon as you book - but if buying an annual policy, what does the start date need to be? If it's the first day of travel would I be covered if there was an issue before hand that would cause the trip to be cancelled etc?
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Etihad delay for 1hr 45min, missed connection in Abu Dhabi, off to hotel and fly to London next day
Etihad flight from Asia was delayed for 1hr 45min and we all missed our flight to UK and Europe in Abu Dhabi - no other flights in the afternoon that day. All to hotel in Abu Dhabi and on the next day flight (mine was over 18 hours later than original). I emailed them and they are offering just about £110 cash (my one way…
