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Flooring company refusing to reinstall laminate unless we pay for subfloor repairs
[England] Flooring company refusing to reinstall laminate unless we pay for subfloor repairs We paid Tapi Carpets around £3,000 for laminate flooring and fitting in 2023. We’ve had repeated problems with the flooring and Tapi have been involved in attempts to put things right. From a goodwill agreement (no liability or…
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Porting mortgage advice - new build
Hi all, We’ve had our mortgage around 5yrs and remortgaged once prior. We have a fixed deal due to end 31/07/2027 and have now reserved a new build with an expected completion date of April/May 2027. Porting seems like our best/only option given the ERC would be triggered if we didn’t. However really unsure on the best…
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Manchester Airport Pick Up Zone T2 APCOA PCN
Hi, Date of "parking":14/07/26 Received a letter from Debt Recovery Plus on 02/09/26 asking to pay £170 due to not making payment when using the pick up zone. I never received a letter from APCOA. I have since received further letters from DRP chasing me up for the £170 (which I'm obviously not going to pay). What can I do…
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LGPS 55 2028 has anyone heard anything?
Hi everyone My LGPS fund are saying that the pension age to access your pension will rise to 57 in 2028 however they are awaiting guidance around who is protected. The government consultation read that anyone in the scheme in November 2021 would retain the 55 protected age. My calculator still lets me put 55 into it…
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Full and final settlement offer
Currently on a debt management plan and have sold our house to release equity to pay off our debts. We have a couple of issues with this we owe 56k and have 50k available but I am currently 8 months pregnant and our car is broken - cracked windscreen, doesn’t lock, front door doesn’t close properly and we cannot fit all 3…
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Has anyone used payr?
Thinking of using payr to pay rent using my credit card. I'm happy to pay the 2% fee. Just wondering if anyone else has used it and how they have found it.
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Struggling to Transfer out of Moneybox
Hi, trying to do a partial transfer from my Moneybox ISA into my new fixed rate TSB one.seems to be no way of completing this, when I get to inputting the roll up number it will not accept the NI number that moneybox uses for your account number.Was told on the phone by TSB all I had to do was this but it seems impossible!…
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Waitrose - £500 in double dipping parking tickets and their unhelpful response.
Hi, Every weekday morning my partner drops our child off at the bus stop, parking in Waitrose. Then pops in Waitrose for a small shop and then returns later to pick him and do more shopping. The system is picking him entering at 4.45pm and then suggesting he is leaving the next day. This so far has reached £500, all 5…
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Ryanair not transferring wallet funds to my bank
hi. I got caught uo in the Bristol airport closure in August. Flying back from Alicante we got on plane and sat there an hour before twlling us we would land at Stansted. Any way we landed about 4 hours after we should to a text saying make your own way home. They agreed to pay the taxi but not food as the wh smith didn’t…
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Switching offers - How do I keep track of the account dates and eligibility
If I've opened accounts but missed the switch offers should I just close the account and wait a few years to the next offer? How can I tell when my previous accounts were opened/received offers/closed - and which is the date that matters for future eligibilty.
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Home insurance refused.
January this year our house was flooded - approximately £82k damage. 10 months on, still not resolved yet as to which contractor's bid has been accepted. There has been huge delays with feedback from loss adjustors, surveyor and insurance company. My main questions are this - Our policy is due for renewal in November and…
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Smart parking county court hearing
Hi after listening to all advice I followed instructions for a smart parking ticket I had my mediation and declined to pay now I have been sent a letter from county court with a hearing in December… now I am worried can anyone help please? @Umkomaas
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Will I be better off?
I’m currently receiving ESA, PIP and UC. I also get a council tax award. I may have found a job just a hour a day delivering some school meals. The company will pay me a daily rate and want me to be self employed. I’ve looked at the benefits calculators online but what I want to know is how much better or worse off will I…
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Two pensions,25% interest free.
Earlier this year at 55 I cashed in a small pension of £13k as I am out of work.Having trouble with finding work, i got some jobseekers allowance which the nice people at HMRC said is taxable and have now said I will have to pay some tax on as it has taken me over the standard personal allowance which I understand. I am…
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Full and final settlement offers
Currently on a debt management plan and have sold our house to release equity to pay off our debts. We have a couple of issues with this we owe 56k and have 50k available but I am currently 8 months pregnant and our car is broken - cracked windscreen, doesn’t lock, front door doesn’t close properly and we cannot fit all 3…
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Judegment for Claiment but no previous letters received
I just got a letter through from the county court stating I owe DCB Legal approx £300 for not replying to the claim form. I have not received a claim form for this in the past and have always responded to the claim forms sent to me. Is there a way to appeal this or get the claim form resent to me? Or is there any other…
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Please help — CCJ set aside, but can I recover my £300+ application fee?
I’m looking for some advice about a parking charge and the costs I have been left with. A CCJ was entered against me in relation to a parking charge I was completely unaware of until recently. I applied to have the judgment set aside because I had moved house and my V5C/logbook had not been updated ahead of the parking…
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PRINTERVAL
I ordered a mug of my favourite band from this site on 15th September but haven't received it. I've sent them a number of emails but they have said I ordered a digital file not a physical item.. ! I definitely ordered a physical item as that was on the website. Has anyone else had problems with this site ?
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HSBC app - download statement
Previously if I used the option View Statements , the statement would be automatically downloaded to my phone. I tried this a few times today, but though I could see the statement on the phone, there was no file downloaded. I looked in all the phones top level folders. Has there been a change in the app? I couldn't see any…
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Opened S&S ISA... and confused about the options now
I'm a newbie to investing. I've just opened an S&S ISA to use up the allowance for this tax year after receiving a small inheritance. I see that as a long term investment (ie to leave something to the kids). My issue is that I'm not sure I really understand the various fund options on the AJ Bell platform. There's so many!…
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Jobs
Has anyone here tried proof-based micro tasks on !!!!!!? I’m interested in hearing about the complete process, especially how the wallet deposit works, how easy it is to complete tasks correctly, and what kind of proof is normally required. From what I understand, workers complete the requested action, submit clear…
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Advice on ISA's
Hi Folks, Hope you are all well and many thanks for any replies. I had a search of the forum for answers and struggled to find any for this question so apologies if its been asked already. Ok so I've got an ISA i opened last year at the full amount ( 20k ) and it's going to be hitting it's end of year. I'm under the…
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Thames Water Monthly Payment trick.
We paid our usual 6 monthly bill in July 2026. We were very surprised to receive a monthly bill in August 2026. After reviewing our online account we noticed the column on the left still stated 6 Monthly billing. So we took a screenshot and a photo before calling. 67 minutes later, after repeatedly being told you are on…
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British Gas faulty Gas Meter
Hello everyone, I need an advice what my options are with British gas. We noticed high gas bills when we switched off the heating this spring becuase it was very hot weather. But the bill we received in June 2026 was even higher than for winter months. Obviously we started to investigate and first thought about the boiler…
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Pension advice at 53
I am 55 in January 2028. I believe that in April 2028 the age will increase to 57. I want to understand what I need to do in order to not miss out on claiming my private and local gov pensions. Where can I get advice. Thank you
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Civil Enforcement Letter Before Action
Hi My vehicle was parked in a hotel car park while the driver used their bar. I received a 'reminder before further action' letter but no initial PCN; the breach was 'permit holders only'. After the 'reminder before further action' letter was received, I went to the car park to check the signage, but the cameras and all…
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Business Mileage Allowance
I was speaking to a client recently who claims Universal Credit, and is a courier. UC are still using the 45p per mile for business mileage from 6 April 2026. Has this been agreed by HMRC to use the old rate, which seems unfair on those claiming business mileage just because they're on UC.
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Amazon Barclaycard online banking login
Hi, Could anyone please confirm whether it's possible (or not) to to log in to Barclaycard online banking without use of the mobile app? To access online banking currently I enter my customer number (online) and then receive a notification in the Barclaycard App on my phone which I approve and then I can view my account…
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Octopus Free hours logic
Can anyone work the maths between usage & credits?
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nextbike Glasgow
I had previously used the bike rental scheme Nextbike in Glasgow. On 27 October 2025, I received an email from them saying that the scheme was ending and that they would issue a refund for any remaining credit. After a month or so, I noticed that I hadn’t received the refund, so I emailed them to check on 1 December 2025.…
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New Patio has caused a crack in house wall
I bought a house last summer and the existing patio was a bit of a mess, so I decided to redo it myself, to save money. I built brick retaining walls on a concrete footing, including one perpendicular from the house where the patio drops down two bricks height. See photo attached. However, I noticed that a crack has…
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Loss of earnings
Neighbour parked on my driveway in his works van as a result I couldn't charge my car as I am a PHV driver this is necessary to carry out my job can I make a claim against him for lose of earnings for this? [Image removed by Forum Team]
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Letter for an old parking ticket
Hi, I hope you are well, I have just received this in the post for an old parking ticket, just wondering how I can deal with this at an early stage, do you think I need to respond to this? Many thanks
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Credit score plummeted after dealing with late parents rental property
My mother died two years ago. She owned a buy to let, which as her executor I had to manage until it could be sold. I've recently checked my credit score which used to be perfect, and it's gone down by more than 20% and that appears to be because that property, which was sold six months ago, remains linked to me for the…
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Nationwide Debit card expiry date
My debit card has an expiry date of Oct 2026 - does this mean the end of Oct or start ? And do I need to request a replacement or will this be automatic ?
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Stooze pot as emergency fund
Finance advice typically suggests 3-6 months of emergency fund. I see 2 (often conflated) reasons for this: Having money beyond day to day spending so that if an unexpected expense arises, you can cover it Having access to money rapidly to use in emergency when needed I am slow stoozing at the moment and so I don't see the…
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Principality bs interest from closed accounts for tax return
Trying to gather information of 25 26 tax year interest .I can't seem to find a way to generate details of interest received from my Principality accounts that are now closed. Anyone know if there is a way to do this? I've sent a message and the reply was that they'd post it but think they must have put a 3rd class stamp…
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Minster Baywatch
Hello all, I am new here and have tried to find to correct answer to my question, which has two parts to it. Firstly, I received a PCN from Minster Baywatch. I am looking to appeal but on the back it states "we dont accept appeals or complaints by email"? Is thst normal or a invalid statement? Secondly, the parking…
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BT Pension Scheme Section C - Off Set
Hello, After 27 years with BT I have just left and will be taking my BTPS shortly. As part of the paperwork to take the BTPS it states that at the age of 67 (state retirement age) my BTPS will reduce by £1,349 pa due to something called the State Pension Offset. I certainly dont remember agreeing to this? Is there anything…
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Help, regarding notification of thanks from others.
Hi Moderation Team, I hope you're all doing well on this sunny day. I have a quick question regarding how forum notifications work. I often notice that my posts receive "Thank You" reactions from other members, but I never seem to receive an alert or notification when someone reacts to one of my messages. Could you please…
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OneStream renewal price - existing customers
If you are an existing OneStream customer nearing the end of your contract. If you ignore/decline all their invitations to renew, eventually on the final day of your contract, they will send you this offer:
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6 year Limitation Act Advice
A quick question .. My neighbours dad had something stolen from his property around 9 years ago , while trawling ebay he came across it and contacted the seller to inform him - a police report was opened at the time. The seller said he bought it in good faith around 8 years ago and has a handwritten receipt from the shop (…
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Compliant NTK Apcoa?
I have appealed to Apcoa on occasion and been successful due to non compliant NTK. But this one has been issued using their new template which I believe is compliant. Car park was a railway carpark and charge was paid on Ringo App, but driver selected the wrong vehicle. My question is, is there a way to appeal and get it…
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Pre Paid Funeral Plans
In 2016, my mother purchased a prepaid funeral plan over the phone with the Co-op without receiving adequate advice, leading to we think, an mis-sold plan. She has been contributing £41 monthly for a decade, totalling over £5,000. Having decided on a funeral that costs well within this amount, she requested the Co-op to…
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The ups, the downs and the insides out of growing your own in 2027!
Welcome to the new ups and downs of growing your own! Everyone is welcome. Come and tell us about your growing shenanigans Maybe tell us a bit about yourself; What do you like to grow? Are you going to try anything different this year? Did you try anything different last year? Did you like it? Would you grow it again? Do…
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UKPC Fined for not parking in bay
Hi all, I've received a parking charge letter from UKPC for the commuter car park at the Broadwalk Centre in Edgware. It says the car was "not parked correctly within the markings of the bay." It came by post, and there was no ticket on the windscreen. The car was in the bay and reversed back as far as it could go. There's…
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HSBC refusing Visa debit chargeback – looking for advice on their reason for refusing
I'm looking for some advice from anyone familiar with Visa debit-card chargebacks, particularly whether HSBC are correct in refusing/closing my chargeback. I paid On The Beach £6,251.49 for a package holiday using an HSBC Visa debit card. The payments were: 18/10/2025 – £120.00 14/11/2025 – £772.19 13/12/2025 – £772.19…
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Locked out of accounts
I do my banking online, using an iPad. I bought a new iPad and discovered that this created difficulty in accessing my accounts. One bank made the process straightforward. The other locked me out completely and sent me into a loop every time I tried to regain access. Since I have biometrics set up on this account you would…
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MSE Forum Poll: How do you usually find the best deal on car servicing or an MOT?
Making sure your motor is in tip top condition can prevent costly repairs down the line, but getting a service or MOT without breaking the bank can be a MoneySaving muddle of its own. Which method do you use to get a good price on a health check for your vehicle? Vote in the poll then share your thoughts in the thread.
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Gas/Electric help with EV
I’m totally at a loss about energy suppliers and usage. I moved into my new home three years ago and I’ve never changed my supplier as I just don’t understand it, no matter how much I read. Could anyone help please? Current supplier - Scottish Power Tariff - Standard Online with smart meters Payment - £98.23 direct debit a…
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Experian: Unexpected Hard Search by Percayso Inform Ltd
I recently received an alert from Experian showing that Percayso Inform Ltd had carried out a hard search on my credit file following an insurance quotation. I contacted Experian, and they informed me that this is apparently a known issue affecting some Percayso insurance quotation searches. Apparently, some searches that…
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O/S Daily Thursday October 8 2026
Morning all.
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New card
can anyone help me with a question?? I have a capital one account and my card has expired, when searching the website I cannot find the answer, asking me to sign in and having to insert my card number but I can’t sign in because my card has expired!!!
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Have you been charged by Perranporth Gardens Charities car park due to ticket display?
I have been charged by Alliance Parking operating the sea front car park on behalf of the land owner Perranporth Gardens Charities (PGC). Charge was due to ticket display issue. From PGC website: The income from the sea front car park meets the day to day expenses of maintaining our walks, gardens, lake and the beach car…
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SIP Parking Court Claim – 24-Minute Overstay, £160 Charge – Advice Needed
Hi everyone, I'm defending a small claim from SIP Parking concerning an incident over three years ago. My court hearing is coming up soon. SIP's evidence shows that I paid for 4 hours via PayByPhone(￡3.5) but left approximately 24 minutes after the paid period expired. They calculate the parking time by entry and exit time…
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Judgement for claimant letter received
Hi, Over the weekend I noticed that there was a change to my credit file on Experian with a Chancellor judgement against me, which came as quite a shock. Today, I received the Judgement for Claimant from BW Legal for what appears to be for an alleged parking contravention. I'm going through the newbies thread and will call…
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Hotel near Bodmin, please
I usually stay at the Carlyon Bay but would be nice to find somewhere else for a change. Any recommendations at similar standard, please?
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Thinking out loud about unmanageable debt
I sent off my affordability claims to four of my five creditors today. In total, I have six credit cards and two loans, with around £75k of debt. I earn £82k. For a long time, I honestly felt like I was the only person in the world who had managed to get themselves into this amount of debt. I’ve carried a huge amount of…
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Payments to Resolvecall
Hi there, I’ve been making small payments to Resolvecall for a while now and I contacted them the other day as I suddenly realised I had no idea what this payment was for (I’ve had so much debt for so many years I’ve lost track embarrassingly). They have responded to me with the below. Can anyone offer any guidance as to…
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New octopus snug rates
just got a email with new rates
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PCN! When it rains it pours!! Council ticket
So I have been using this route to go gym since forever, recently I think they changed that you can't go into that road, unless bus or private hire I didnt know- have I got any ground to challenge or just pay it 🤦♂️🤦♂️🤦♂️
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Sending CDs from UK to Australia - please help me get it right!
Hi all I've sold x12 CDs on Discogs to someone in Australia. I'm in the UK. I'll be sending with Royal Mail. I wondered if anyone familiar with selling and sending abroad might be able to help please? Here are the bits I'm confused about... Do I have to list each CD separately on the customs form? I've read both no and…
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Co-op £5,000 prize draw
Qualify by having one monthly Direct debit paid out
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New build energy supplier advice -
I recently completed on a new build property. The developer had the property registered with British Gas and has passed the meter readings onto a third party to set up my accounts. The developer advised that there are long delays with British Gas setting up accounts, of at least 8 weeks at the moment. Given the anticipated…
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Landscaper got PCN while unloading in front of my house
Yet another one from the lovely Elite and the estate management team at Eddington Cambridge which continue to make residents' lives hell. (And I continue to look for a way to sue them for breaching the estate deed, but barristers are expensive and I need to figure out how to crowdsource this…) My landscaper had been…
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Junior SIPP and/or Junior s/s ISA
Have 2 kids 13 & 16, considering opening SIPP and/or ISA for each. Will be low values in to start say £50p/m ea or £25 p/m ea if open both a SIPP and ISA, perhaps increase a bit after a year or so. Objective is just to get the savings / SIPP started and kids can take over once working etc. Mrs not so keen on SIPP as thinks…
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Care Home Fees & Money From Sale of House
Where someone’s gone into a care home and their house is sold to fund the care, where’s the best place to put the money from the house sale? If the money from the house sale goes into a regular bank account I understand I’d then need to do a self assessment for the relative in the care home to declare the interest and pay…
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Calor Gas automatic delivery caused debit balance-Then they almost doubled my Direct Debit
Im wondering how many other Calor customers this is happening to. Before a recent automatic delivery, which we did not need, as our tank was nearly 60% full, my account was not in debit. Calor then delivered 646 litres of LPG, which pushed the account to around £619 in debit. Shortly afterwards, I received notification…
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Reply from advantage finance claim refused
hi guys I filled in the template and sent it off earlier this year to advantage finance and this reply today from them saying they don’t owe me anything. Could anyone confirm it’s all right and I have no appeal etc to it?
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NCD TRANSFER
Changed my daughter on my car insurance last year to main driver. Was told at renewal she would inherit my NCD I intend taking myself of as a driver. Contacted them today and they are now saying that is not the case. If I make her the policy holder instead of myself will that let her have my ncd.
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POPLA Reassessment
This discussion was created from comments split from: PCM Parking Charge Despite Landlord/Agent Authorisation.
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Progressive Building Society ISA
Currently my ISA is with Leeds Building Society earning 4.16%. Is there any reason not to move it to Progressive at 4.5% apart from the 2 withdrawal restriction? I appreciate that both rates are variable so either of them might pay more in 6 months time. I would want to be able to add further funds within my ISA limit…
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Tax return late payment fee rebate - do I need to submit a C4 form?
Hi all - I'm a bit stuck currently with my query. My MIL passed away last summer. We submitted tax returns for her for the year of and the year preceeding her death. One of these was submitted a few months late as they did not send us the necessary forms when they should have. Late payment fees were added. We wrote a…
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Schroders Personal Wealth - now Lloyds Wealth Stocks & Shares ISA
Has anyone any experience with the former Schroders Personal Wealth ISAs ?
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Money left in a trust in my will
I went to see a local solicitor a few weeks ago and said that after expenses, tax etc, that 50% of my estate will go to my husband and the remaining 50% will be used to set up a disabled person's trust for my brother, where my husband and my friend will be the trustees. I received the draft today and it looks like the way…
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Job seekers Allowance
I'm 62 and recently lost my job without any payment and want to claim job seekers allowance. I have paid in enough credits to get a full state pension. By claiming JSA does this affect my future state pension.
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Received Final Notice to pay Parking Charge Notice but didn't receive Parking Charge
As the title says. Mid-August of this year, I parked somewhere to see the shooting stars, parked at 8.12pm and paid for a physical full-day ticket which according to the T&Cs is until 23:59:59. I left at 1am, which I agree is past the time I paid for but there was no option to buy time past 23:59:59 when I purchased the…
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Selling Your Mobile To Online Resellers
Just had the first experience of trying to sell a couple of mobile phones to two of the well-known online resellers. One organisation has a drop-off agreement with one of the well-known shoe repair chains. The phone is inspected at drop-off and the offered price verified. The payment is then supposed to be received via…
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DRO / IVA to include statute barred debts?
I have an existing debt management plan with Payplan due to end in just under 6 years, with around 8K left. Since this arrangement was made, I have added 9 k in debt from loans and credit cards. I have a further 31K Cabot debt, passed on from a Northern Rock loan in 2008. That defaulted in about 2010 and doesn't show on…
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IFA fees
If an IFA sets up a guilt ladder in my SIPP, once in play is it common for him to still take his 0.75 fee? On the ladder, I know i woukd still pay the fee on the rest of the sipp.
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BUY IT NOW OFFERS
Hi, I'm selling an item on Ebay by way of aution. I do have "buy it now offers" accepted too. Somebody has been in contact with me to ask if they can buy it now and sent an offer, which is over £800 and cash on delivery. The person lives 10 miles away which is no problem. If I do accept, how do I go about it on ebay and…
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TSB "shopping list to bucket list" prize draw (Monthly from October to December 2026)
TSB have launched a new prize draw which runs in October, November and December where you can win: + A family trip to Tanzania and Zanzibar (1 prize per month), OR 1 of 10 prizes per month of your choice of one of the three options below: + 2 nights luxury stay in a 4 star hotel in a UK city, + A luxury hotel stay in…
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Mediation Report - Civil Enforcement - settled at £40
Recently assisted a work colleague with PCN which he disputed. Background: He was at an appointment, it over-ran and he was late back to the carpark. So he pays via the phoneline system to cover the extra hours - the parking company took a nominal payment of 0.01p out of his bank (there was an error with their payment…
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ECP rejected my appeal, now cancelled by Sainsbury's head office!
An example of how going to head office can be most helpful. I was charged for using a carpark without paying. This confused me, as I very much did pay and displayed a ticket. Turns out it was a major keying error. Euro Car Parks recognised and had record of my payment, however declined my appeal, offering the typical '£20'…
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Tesco Petrol Offer 2026
For many members this 'offer' is a con. It available only at manned petrol stations, not at pay at pump operations. It is redeemed by presenting the receipt at the kiosk to a real person. We have a brand new Tesco here in Harrogate with pay at pump the only option, no kiosk, entirely unmanned. Staff in store can't help and…
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Reach plc
Just a quick question - why are Reach plc comps explicitly flagged as such? I know about the 6 month exclusion for Bauer and Global competitions if you meet a threshold, but don't see anything like this that would be important to be aware of for Reach.
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Parkingeye PCN Even Though QR Code Used
Hi all, My wife recently went to our local petrol station/greggs/starbucks to meet her mum for a coffee, where she stayed for about an hour (55 mins according to the PCN). During that time she used the QR code in Starbucks to register our car, but today a PCN has showed up saying she overstayed the 30 mins free. What…
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Compensation for incorrect CETV
I transferred a DB pension from Phoenix Life in 2017 when I was 55, I got £304k which they transferred to my Fidelity SIPP. I took 25% tax free cash and other payments from the SIPP over the last few years. Phoenix life contacted me in January 2025 to say they had incorrectly valued the CETV and they owed me a further…
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Santander edge saver
The above account has now reduced in interest, can i close it and open another, if so then how as i don't see any option to close it on the website.
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Very poor to good
Don't realise how messing up your credit rating can effect you life. My credit rating was very poor due to stupid things I did. I matured and came to Martins money and followed his advice. Went from very poor to good. I have three catalogues I use to get small things but pay them off. I have two credit cards Zable with a…
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Claiming consequential losses from tour operator for cancelled flight
On 12th August, 2026, our return flight home from Catania Airport, Sicily was cancelled by Easyjet due to Mount Etna erupting. We were informed of this just before 3pm, as we waited in our hotel for our taxi to the airport. We had booked our holiday through Lastminute.com and as they do not have a contact phone number, we…
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Am i making the right choice
I have been in my current job for 21 months hgv driving. I have had a new job offer at a local steelworks driving plant machinery better hourly rate and more holidays per year. Only downfall is it’s one week nights and one week days. The days week is Tuesday, Wednesday, Thursday 12hrs and 8hrs on the Friday. Week 2 is 12hr…
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Two old credit card debts - solicitors letter arrived, not sure what to do
Hi all, first time posting. I'm a bit out of my depth with this so apologies if I get the terms wrong. I pulled my credit file recently and found two old credit card debts I'd sort of put to the back of my mind. The first is with Cabot, around £9,900. The file says it was originally a Barclaycard, opened December 2012, and…
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OPS IAS appeal rejected.
Hi all, I have read the NEWBIES thread and understand that after losing at IAS there is nothing I need to do unless I receive a proper Letter Before Claim or court claim. I wanted some advice on a few specific points in my case and also what I should realistically expect if it does end up in court. This is an OPS…
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Move-In Ready vs Renovation Project: Our House-Buying Decision
We’re currently trying to decide on our next house purchase and would really value some advice from people who have been in a similar situation. We’re a family of 5 and are looking to upsize from our current home. Ideally, our next move will be our forever home. We're torn between: 1. An older property that may need…
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Confused and frustrated PCN CCJ claim and no idea how to write defense.
Hope this is ok to post, I have spent the last 3 days reading the forum and new member info but I can not get my head around what we do from here. I will attach a copy of the claim form (with my info redacted) I have acknowledged service so have another 14 days but no idea on what to put in my defense. The only info I know…
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Starling Bonus Saver
Has anyone figured out how to open the Starling bonus saver account? I opened the current account and deposited money in good faith after seeing this was needed before you can open the bonus saver. The website process for applying for the bonus saver goes to the same page as for opening the current account, which in turn…
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DMP Help & Advice needed
Hi everyone, I’m hoping someone with experience of DMPs might be able to give me some advice, as I’m feeling a bit overwhelmed and don’t really know where to start. I’ve spoken to StepChange about my situation and they’ve talked me through a Debt Management Plan, but I’m still unsure about the practical side of actually…
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Faulty clutch
I have a 72 plate Peugeot 2008 with 18.5k miles on it which I purchased from the local dealer 9 months ago, it came with 6 months warranty and I paid £899 for another 3 years. lately when the car gets hot the clutch becomes quite heavy and I asked the dealer to look at it 2 weeks ago whilst in for a service and MOT and…
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Thames H2O assessment based on bedrooms, not people
I live in a 2-bedroom flat and currently there are 2 occupants. Thames Water say that it is not possible to install a meter and therefore issue 'assessed' bills. According to the CCW calculator, based on our estimated usage, I should only be paying £553 a year. However, TW insist on basing assessed usage on the number of…