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		<title>MoneySavingExpert.com Forums</title>
		<link>http://forums.moneysavingexpert.com/</link>
		<description>Cut bills without cutting back</description>
		<language>en</language>
		<lastBuildDate>Wed, 16 May 2012 11:38:57 GMT</lastBuildDate>
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			<title>MoneySavingExpert.com Forums</title>
			<link>http://forums.moneysavingexpert.com/</link>
		</image>
		<item>
			<title>Paying french parking ticket</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964187&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:38:49 GMT</pubDate>
			<description>OH got a ticket,didnt have time to pay. 
How do we now pay in euros?</description>
			<content:encoded><![CDATA[<div>OH got a ticket,didnt have time to pay.<br />
How do we now pay in euros?</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=163"><![CDATA[Parking Tickets,  Fines & Parking]]></category>
			<dc:creator>carmel11</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964187</guid>
		</item>
		<item>
			<title>laptop timing</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964185&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:38:42 GMT</pubDate>
			<description>Hi all,hoping for a little help with a laptop.For the past week each day its started up both the time and date come on at 10.30am and the date is always june 3rd 2008! (the year it was bought) I then have to change both to todays time and date,not a major problem I know but very annoying all the same. 
I cant think of anything i have done to cause this but I do notice when im changing the date/time although it allows me to change it and push the OK button the APPLY button is greyed out and I cant push it,any help would be very welcome thanks.</description>
			<content:encoded><![CDATA[<div>Hi all,hoping for a little help with a laptop.For the past week each day its started up both the time and date come on at 10.30am and the date is always june 3rd 2008! (the year it was bought) I then have to change both to todays time and date,not a major problem I know but very annoying all the same.<br />
I cant think of anything i have done to cause this but I do notice when im changing the date/time although it allows me to change it and push the OK button the APPLY button is greyed out and I cant push it,any help would be very welcome thanks.</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=29">Techie Stuff</category>
			<dc:creator>oldhand</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964185</guid>
		</item>
		<item>
			<title>wowcher,groupon,wahanda voucher for know your body tv scam</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964183&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:37:33 GMT</pubDate>
			<description>Just wanted to let everyone know of a scam company featured on wowcher, Groupon and wahanda.  Those who bought vouchers for the food intolerance test for know your body tv is a scam.  Not sure if anyone on this forum have posted yet. 
I fell victim I bought vouchers got form to fill out and send sample and that was it heard nothing else that was over a month ago when I did not recieve results within the given time and none of my emails were answered I started to search the company. I came across others posting threads on whatconsumer.co.uk saying its a scam as they had same problem. 
After hearing threir stories and replying to one thread who got a refund from wowcher I brought it to the attention of where I bought vouchers from. 
Wowcher had know knowledge of scam when I called enquiries even though it was brought to their attention and they gave refund etc.  I just got confirmation for refund now after a few emails been sent complaining. 
If there is anyone else out there who has an unredeemed voucher or has sent form but no reply get in touch with the voucher company you bought from asap. 
On top I was very upset that someone out there has my details and DNA!!!  
be warned</description>
			<content:encoded><![CDATA[<div>Just wanted to let everyone know of a scam company featured on wowcher, Groupon and wahanda.  Those who bought vouchers for the food intolerance test for know your body tv is a scam.  Not sure if anyone on this forum have posted yet.<br />
I fell victim I bought vouchers got form to fill out and send sample and that was it heard nothing else that was over a month ago when I did not recieve results within the given time and none of my emails were answered I started to search the company. I came across others posting threads on whatconsumer.co.uk saying its a scam as they had same problem.<br />
After hearing threir stories and replying to one thread who got a refund from wowcher I brought it to the attention of where I bought vouchers from.<br />
Wowcher had know knowledge of scam when I called enquiries even though it was brought to their attention and they gave refund etc.  I just got confirmation for refund now after a few emails been sent complaining.<br />
If there is anyone else out there who has an unredeemed voucher or has sent form but no reply get in touch with the voucher company you bought from asap.<br />
On top I was very upset that someone out there has my details and DNA!!! <br />
be warned</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=38"><![CDATA[Discount Codes 'n Vouchers]]></category>
			<dc:creator>denisek</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964183</guid>
		</item>
		<item>
			<title>A lesson learned about bike insurance</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964181&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:36:54 GMT</pubDate>
			<description><![CDATA[I've leaned a lesson, and I hope this helps others. 
I changed my motorbike this week and rang my insurance broker, Swinton Bikes, to get the bike changed. They charged me a staggering £183 for the remaining 6 months. I was told this was because I was moving from a 600cc bike to a 1200cc bike, and also based on the claims history of the model I was changing to (Kawasaki to Triumph). I have always found Swinton to be good and had no reason to doubt this, so paid up. 
 
Afterwards I looked up new quotes on price comparison sites and was stunned to find the cheapest, like for like, full year quote was £114! The most expensive was £220. I asked for a new quote on Swintons site and that was, again like for like, £230. 
 
I rang Swinton (it seems you cannot email them) and was told that as I had placed the business already, all I could do was cancel the insurance and get a £108 refund (so it would have cost me £75 for 3 days insurance). They again looked up a new quote at around £300. They said they could not match the on-line deals available - even the one from their own site! 
 
*It seems what I should have done was cancel my original policy then taken up new insurance from a comparison site.* Too late, a lesson learned!  
What's the cost of the lesson? 
My original insurance was £130, so with 6 months to run say conservatively I might have expected £50 refund on cancellation. I would then spend £114 on new insurance for a year. Instead I upgraded my insurance for 6 months at a cost of £183 plus the existing 6 months cover already in force value say £50.]]></description>
			<content:encoded><![CDATA[<div>I've leaned a lesson, and I hope this helps others.<br />
I changed my motorbike this week and rang my insurance broker, Swinton Bikes, to get the bike changed. They charged me a staggering £183 for the remaining 6 months. I was told this was because I was moving from a 600cc bike to a 1200cc bike, and also based on the claims history of the model I was changing to (Kawasaki to Triumph). I have always found Swinton to be good and had no reason to doubt this, so paid up.<br />
<br />
Afterwards I looked up new quotes on price comparison sites and was stunned to find the cheapest, like for like, full year quote was £114! The most expensive was £220. I asked for a new quote on Swintons site and that was, again like for like, £230.<br />
<br />
I rang Swinton (it seems you cannot email them) and was told that as I had placed the business already, all I could do was cancel the insurance and get a £108 refund (so it would have cost me £75 for 3 days insurance). They again looked up a new quote at around £300. They said they could not match the on-line deals available - even the one from their own site!<br />
<br />
<b>It seems what I should have done was cancel my original policy then taken up new insurance from a comparison site.</b> Too late, a lesson learned! <br />
What's the cost of the lesson?<br />
My original insurance was £130, so with 6 months to run say conservatively I might have expected £50 refund on cancellation. I would then spend £114 on new insurance for a year. Instead I upgraded my insurance for 6 months at a cost of £183 plus the existing 6 months cover already in force value say £50.<br />
So my cost to take new insurance £114 - £50 = £64<br />
Actual cost £183 + £50 = £233. Extra cost to me £169!<br />
<br />
On top of this I would have had an extra 6 months insurance, value about £50, <b>so this whole saga has cost me over £200!!</b><br />
<br />
Like I say, I just hope my lesson will help others...<br />
Ian</div>

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			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=21"><![CDATA[Insurance & Life Assurance]]></category>
			<dc:creator>Ian.Peart</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964181</guid>
		</item>
		<item>
			<title>Capital One secured Card</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964179&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:34:38 GMT</pubDate>
			<description><![CDATA[Hi Guys, 
 
I have had a capital one secured card for 6 weeks now. I paid a £29 deposit and have a £200 credit limit.  
 
I'm wondering if anyone else has had the same card with the same limit and how long it took before they got offered their first credit limit increase. 
 
Thanks in advance]]></description>
			<content:encoded><![CDATA[<div>Hi Guys,<br />
<br />
I have had a capital one secured card for 6 weeks now. I paid a £29 deposit and have a £200 credit limit. <br />
<br />
I'm wondering if anyone else has had the same card with the same limit and how long it took before they got offered their first credit limit increase.<br />
<br />
Thanks in advance</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=11">Credit Cards</category>
			<dc:creator>jenifergilmore</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964179</guid>
		</item>
		<item>
			<title>E: 29/05 Win Hed Kandi Serve Chilled: Electronic Summer on CD (x5)</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964177&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:34:36 GMT</pubDate>
			<description>Reg/Log In with *Subba Cultcha (http://www.subba-cultcha.com/competitions/article.php?contentID=28864)* 
 
Who performs on track 3 of CD 1? 
Answer = Bonobo</description>
			<content:encoded><![CDATA[<div>Reg/Log In with <b><font size="4"><a href="http://www.subba-cultcha.com/competitions/article.php?contentID=28864" target="_blank">Subba Cultcha</a></font></b><br />
<br />
Who performs on track 3 of CD 1?<br />
Answer = Bonobo</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=72">Competitions Time</category>
			<dc:creator>One-Eye</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964177</guid>
		</item>
		<item>
			<title>E: 29/05 Win The Darkest Hour on 3D Blu-ray (x3)</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964175&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:34:06 GMT</pubDate>
			<description>Reg/Log In with *Subba Cultcha (http://www.subba-cultcha.com/competitions/article.php?contentID=28865)* 
 
What certificate has the Blu-Ray been given?   
Answer = 12A</description>
			<content:encoded><![CDATA[<div>Reg/Log In with <b><font size="4"><a href="http://www.subba-cultcha.com/competitions/article.php?contentID=28865" target="_blank">Subba Cultcha</a></font></b><br />
<br />
What certificate has the Blu-Ray been given?  <br />
Answer = 12A</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=72">Competitions Time</category>
			<dc:creator>One-Eye</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964175</guid>
		</item>
		<item>
			<title><![CDATA[E: 27/05 (?) Win Enid Blyton's Famous Five Series 1 on DVD (x5)]]></title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964173&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:33:35 GMT</pubDate>
			<description>*The Detour (http://www.thedetour.co.uk/latest-competitions/2012/0512/1405/enid-blytons-famous-five-series-1-dvd-film-competition/enid-blytons-famous-five-series-1-dvd-film-competition.htm)* 
 
 
guessedenddate</description>
			<content:encoded><![CDATA[<div><b><font size="5"><a href="http://www.thedetour.co.uk/latest-competitions/2012/0512/1405/enid-blytons-famous-five-series-1-dvd-film-competition/enid-blytons-famous-five-series-1-dvd-film-competition.htm" target="_blank">The Detour</a></font></b><br />
<br />
<br />
<font face="Arial Narrow"><font color="Silver">guessedenddate</font></font></div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=72">Competitions Time</category>
			<dc:creator>One-Eye</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964173</guid>
		</item>
		<item>
			<title><![CDATA[E: 27/05 (?) Win Facejacker series 1 & 2 (x2) series 1 (x3)]]></title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964171&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:32:57 GMT</pubDate>
			<description>*The Detour (http://www.thedetour.co.uk/latest-competitions/2012/0512/1405/facejacker-series-1-and-2-dvd-film-competition/facejacker-series-1-and-2-dvd-film-competition.htm)* 
 
 
guessedenddate</description>
			<content:encoded><![CDATA[<div><b><font size="5"><a href="http://www.thedetour.co.uk/latest-competitions/2012/0512/1405/facejacker-series-1-and-2-dvd-film-competition/facejacker-series-1-and-2-dvd-film-competition.htm" target="_blank">The Detour</a></font></b><br />
<br />
<br />
<font face="Arial Narrow"><font color="Silver">guessedenddate</font></font></div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=72">Competitions Time</category>
			<dc:creator>One-Eye</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964171</guid>
		</item>
		<item>
			<title>Confused; Any advice?</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964169&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:32:44 GMT</pubDate>
			<description>Hi, 
  
I took out a loan back out in 2008 which I believe I was miss-sold with PPI.  
  
I put a claim in Feburary this you to lloyds tsb to claim back the ppi but after not recieving any correspondence I called and they said they had already decided in april that I havent got enough evidence for my claim. Thats ok as I take my complaint further to the FOS. 
  
Because of this I left my PPI running still as i still have loan repayments, until the decision of Lloyds was made which now has come back negative. As i will take this to the FOS now this can take some time so i decided to ring up and cancel the PPI. 
  
Doing so Lloyds told me that there is no refund for any outstanding and that my actual loan payments will increase by over 15%??!!!</description>
			<content:encoded><![CDATA[<div>Hi,<br />
 <br />
I took out a loan back out in 2008 which I believe I was miss-sold with PPI. <br />
 <br />
I put a claim in Feburary this you to lloyds tsb to claim back the ppi but after not recieving any correspondence I called and they said they had already decided in april that I havent got enough evidence for my claim. Thats ok as I take my complaint further to the FOS.<br />
 <br />
Because of this I left my PPI running still as i still have loan repayments, until the decision of Lloyds was made which now has come back negative. As i will take this to the FOS now this can take some time so i decided to ring up and cancel the PPI.<br />
 <br />
Doing so Lloyds told me that there is no refund for any outstanding and that my actual loan payments will increase by over 15%??!!! <br />
 <br />
Is this right, can they do this? I have told them not to cancel it at the moment and they couldnt really give a reason on the phone why it has done this other than it gets 're-calculated'<br />
 <br />
Any help would be great :)<br />
 <br />
I have a 1/3rd left on my origninal loan term<br />
<br />
thanks :)</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=169"><![CDATA[Reclaim PPI & Other Insurance]]></category>
			<dc:creator>Nxer</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964169</guid>
		</item>
		<item>
			<title>equity release to complete scottish trust deed</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964167&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:32:43 GMT</pubDate>
			<description><![CDATA[hello all, forum newbie here and desparate for some advice and or help. 
We have come to the end (nearly) of a trust deed and have to release around £13k equity from our property to finalise.  Does anybody know of any bank/building society or anywhere that will help me with this?  I understand that in the current climate iwe might not get a new mortgage but we managed to renew our current mortgage last year by staying with our current provider who we've have been with now for nearly 6 years (they don't know we have a trust deed). 
Please please somebody help as i have until 18th August to find this cash. 
many thanks in advance for any help:)]]></description>
			<content:encoded><![CDATA[<div>hello all, forum newbie here and desparate for some advice and or help.<br />
We have come to the end (nearly) of a trust deed and have to release around £13k equity from our property to finalise.  Does anybody know of any bank/building society or anywhere that will help me with this?  I understand that in the current climate iwe might not get a new mortgage but we managed to renew our current mortgage last year by staying with our current provider who we've have been with now for nearly 6 years (they don't know we have a trust deed).<br />
Please please somebody help as i have until 18th August to find this cash.<br />
many thanks in advance for any help:)</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=136"><![CDATA[Bankruptcy & Living With It]]></category>
			<dc:creator>ambertails</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964167</guid>
		</item>
		<item>
			<title>E: 23/05 Win Various Prizes - MyDaily See it Tag It Win IT Scene 5 (FB)</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964165&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:32:41 GMT</pubDate>
			<description>https://www.facebook.com/mydailyuk/app_175189229248818</description>
			<content:encoded><![CDATA[<div><a href="https://www.facebook.com/mydailyuk/app_175189229248818" target="_blank">https://www.facebook.com/mydailyuk/app_175189229248818</a></div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=72">Competitions Time</category>
			<dc:creator>chelsea1969</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964165</guid>
		</item>
		<item>
			<title>E: 05/06 Luxury holiday for 10 people (weekly)</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964163&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:31:37 GMT</pubDate>
			<description><![CDATA[http://www.destinology.co.uk/competitions/Jumeirah-Zabeel-Saray.aspx 
 
 
The lucky winner and nine of their friends or family will  win a luxurious 5 night stay at one of Dubai's most exclusive resorts,  Jumeirah Zabeel Saray. We're teaming this with return flights, limousine  transfers and butler service to make the stay extra special. 
                
* 5 night stay with daily breakfast 
* Staying in a 5 bedroom Seafront Residence 
* Butler Service 
* Limousine Transfers 
* Return Flights]]></description>
			<content:encoded><![CDATA[<div><a href="http://www.destinology.co.uk/competitions/Jumeirah-Zabeel-Saray.aspx" target="_blank">http://www.destinology.co.uk/competi...eel-Saray.aspx</a><br />
<br />
<br />
The lucky winner and nine of their friends or family will  win a luxurious 5 night stay at one of Dubai's most exclusive resorts,  Jumeirah Zabeel Saray. We're teaming this with return flights, limousine  transfers and butler service to make the stay extra special.<br />
               <ul><li>5 night stay with daily breakfast</li>
<li>Staying in a 5 bedroom Seafront Residence</li>
<li>Butler Service</li>
<li>Limousine Transfers</li>
<li>Return Flights</li>
</ul><b>How to Enter</b><br />
<br />
                 <ul><li>Over the next three weeks we will feature a video of Jumeirah Zabeel Saray and one question per week relating to the video.</li>
<li>For each question that you submit the correct answer you will receive one entry into the competition.</li>
<li>You will also have the opportunity to increase  your chances of winning by sharing the competition with your friends, on  the next page.</li>
</ul>                 <b>Simply watch the video and answer the question: answer is chandelier :D</b><br />
<br />
<br />
<br />
Link to t+c: <a href="http://www.destinology.co.uk/Competitions/JZSTermsAndConditions.pdf" target="_blank">http://www.destinology.co.uk/Competi...Conditions.pdf</a><br />
<br />
<br />
If someone would be kind enough to put this on the weekly thread I would be most grateful.</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=72">Competitions Time</category>
			<dc:creator>hoogervaaner</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964163</guid>
		</item>
		<item>
			<title>What to do in Southport?</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964159&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:31:07 GMT</pubDate>
			<description>Never been before, but we are going end of June for a weekend. 
 
I have had a look on the Southport website and found a few interesting places, but not many! 
 
Looking for general family things to do, son 8, daughter 3.  Places to eat, things to do etc. 
 
Thanks.</description>
			<content:encoded><![CDATA[<div>Never been before, but we are going end of June for a weekend.<br />
<br />
I have had a look on the Southport website and found a few interesting places, but not many!<br />
<br />
Looking for general family things to do, son 8, daughter 3.  Places to eat, things to do etc.<br />
<br />
Thanks.</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=80"><![CDATA[UK Holidays, Days Out & Entertainments]]></category>
			<dc:creator>liam8282</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964159</guid>
		</item>
		<item>
			<title>toy story 3 game for leapster 4.97</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964157&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:30:37 GMT</pubDate>
			<description><![CDATA[http://www.tesco.com/direct/leapfrog-leapster-explorer-disney-pixar-toy-story-3-game/210-1592.prd?skuId=210-1592&pageLevel= 
 
 
reduced from 20 at tescos]]></description>
			<content:encoded><![CDATA[<div><a href="http://www.tesco.com/direct/leapfrog-leapster-explorer-disney-pixar-toy-story-3-game/210-1592.prd?skuId=210-1592&amp;pageLevel=" target="_blank">http://www.tesco.com/direct/leapfrog...592&amp;pageLevel=</a><br />
<br />
<br />
reduced from 20 at tescos</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=36">Quick! Grabbit while you can</category>
			<dc:creator>butterfl</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964157</guid>
		</item>
		<item>
			<title>2 fab prizes in less than an hour!!</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964155&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:29:49 GMT</pubDate>
			<description><![CDATA[First I had a call from BagThat (think it was a FB competition) to say I have won a limited pair of Purple Peacock GHDs worth £119. 
  
I was just on the phone to my husband telling him when my post arrived with a cheque from the Sun for £100! 
  
Thank you to SkippyCat for posting that competition! 
  
http://forums.moneysavingexpert.com/showthread.php?t=3931695&highlight=sun+100 
  
Last week I was thinking of giving up as I hadn't won anything and I had an email to say I had won a camera on Friday and now these 2 prizes a few days later!]]></description>
			<content:encoded><![CDATA[<div>First I had a call from BagThat (think it was a FB competition) to say I have won a limited pair of Purple Peacock GHDs worth £119.<br />
 <br />
I was just on the phone to my husband telling him when my post arrived with a cheque from the Sun for £100!<br />
 <br />
Thank you to SkippyCat for posting that competition!<br />
 <br />
<a href="http://forums.moneysavingexpert.com/showthread.php?t=3931695&amp;highlight=sun+100" target="_blank">http://forums.moneysavingexpert.com/...hlight=sun+100</a><br />
 <br />
Last week I was thinking of giving up as I hadn't won anything and I had an email to say I had won a camera on Friday and now these 2 prizes a few days later!<br />
 <br />
Don't give up everyone!!</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=73">I won! I won! I won!</category>
			<dc:creator>1972</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964155</guid>
		</item>
		<item>
			<title>Sick child - had to stop work</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964153&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:29:46 GMT</pubDate>
			<description><![CDATA[Hi all, I'm posting this for my younger sister as she is too strung out to do it herself at the moment 
  
her situation is she is a working single mother of 3 children, 15, 11, and 10.  She works part time for a large retailer and has been there for about 5 years. 
  
Her youngest child (my niece) has medical problems - she has a ADD/ADHD (not sure which) and is very hyperactive. She has no perception of social boundaries, often hurts people when she gets over excited and sometimes deliberately. She occassionally lashes out and attacks her mother. At school she is easily influenced into being naughty by the other kids. She is constantly disruptive in class and the school cannot handle her anymore.  She was medicated for her problems for a long while and was responsive to the medication but it caused her to lose a LOT of weight. She was taken off the meds for the last month as she had a fast heartbeat, and she has been extremely difficult to handle. She's recently had an ECG and my sister has been told that she has to stay off the meds for another month.  Her school has made the child go part time and even then they cannot handle her.  
 
In a nutshell my sister has taken all her holidays from work and now needs to take more time off. She does not know what the best option is from a financial support/benefits point of view - whether to resign from her position completely or take unpaid parental leave. Without her wages she will not be able to cope financially, and theres no saying how long my niece will be unwell for. 
  
She had a special needs social worker for about a month that helped her fill DLA forms in (still pending award) but the social worker has now left and she has not been allocated another one.]]></description>
			<content:encoded><![CDATA[<div>Hi all, I'm posting this for my younger sister as she is too strung out to do it herself at the moment<br />
 <br />
her situation is she is a working single mother of 3 children, 15, 11, and 10.  She works part time for a large retailer and has been there for about 5 years.<br />
 <br />
Her youngest child (my niece) has medical problems - she has a ADD/ADHD (not sure which) and is very hyperactive. She has no perception of social boundaries, often hurts people when she gets over excited and sometimes deliberately. She occassionally lashes out and attacks her mother. At school she is easily influenced into being naughty by the other kids. She is constantly disruptive in class and the school cannot handle her anymore.  She was medicated for her problems for a long while and was responsive to the medication but it caused her to lose a LOT of weight. She was taken off the meds for the last month as she had a fast heartbeat, and she has been extremely difficult to handle. She's recently had an ECG and my sister has been told that she has to stay off the meds for another month.  Her school has made the child go part time and even then they cannot handle her. <br />
<br />
In a nutshell my sister has taken all her holidays from work and now needs to take more time off. She does not know what the best option is from a financial support/benefits point of view - whether to resign from her position completely or take unpaid parental leave. Without her wages she will not be able to cope financially, and theres no saying how long my niece will be unwell for.<br />
 <br />
She had a special needs social worker for about a month that helped her fill DLA forms in (still pending award) but the social worker has now left and she has not been allocated another one.<br />
<br />
I understand that this is both a benefits and special needs question, but can someone please give me an idea of whats best for her to do. I don't want to talk to anyone over the phone about it until I've been clued up by people on here.<br />
 <br />
Thanks in advance,<br />
 <br />
GS.</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=139"><![CDATA[Benefits & Tax Credits]]></category>
			<dc:creator>Gallstones</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964153</guid>
		</item>
		<item>
			<title>Does applying for an ISA effect credit rating</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964151&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:29:25 GMT</pubDate>
			<description><![CDATA[Hi all,  
  
Basically my plan is to get a mortgage in 3 or 4 years. I will need a good credit rating and a hefty deposit.  
  
I have already got a couple grand saved in basic savings account with Natwest so i thought as i wont be touching it, it may aswell earn me sum interest. I would be putting in £250 a month also.  
  
Are ISA's a good idea? 
  
Will Natwest leave a footprint on my credit report?]]></description>
			<content:encoded><![CDATA[<div>Hi all, <br />
 <br />
Basically my plan is to get a mortgage in 3 or 4 years. I will need a good credit rating and a hefty deposit. <br />
 <br />
I have already got a couple grand saved in basic savings account with Natwest so i thought as i wont be touching it, it may aswell earn me sum interest. I would be putting in £250 a month also. <br />
 <br />
Are ISA's a good idea?<br />
 <br />
Will Natwest leave a footprint on my credit report?<br />
 <br />
Cheers</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=17"><![CDATA[Savings & Investments]]></category>
			<dc:creator>ps10006</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964151</guid>
		</item>
		<item>
			<title>Calling an 00800 number from Virgin Landline</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964149&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:28:23 GMT</pubDate>
			<description><![CDATA[I am 99% sure it's free to call a 00800 from my Virgin Landline but I just phoned 151 and spoke to an American customer adviser who insisted it's not free. 
  
Can someone confirm that it's free to call a 00800 number using my Virgin Landline?]]></description>
			<content:encoded><![CDATA[<div>I am 99% sure it's free to call a 00800 from my Virgin Landline but I just phoned 151 and spoke to an American customer adviser who insisted it's not free.<br />
 <br />
Can someone confirm that it's free to call a 00800 number using my Virgin Landline?</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=68">Home Phones</category>
			<dc:creator>Speculator</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964149</guid>
		</item>
		<item>
			<title>Help with Toilet..</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964147&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:26:51 GMT</pubDate>
			<description><![CDATA[I am going CRAZY! 
  
There is a leak in the toilet probably because one of the washers has gone, but I can't take the cistern off. 
  
It is a close-coupled toilet that has screws inside the cistern and the nut hidden away in the sealed unit.  After removing the rust from the screws they just turn and turn.  And using a endoscope camera I can see that the nut and screw are just turning and turning ... 
  
There MUST be a knack to this?  Can anyone help?   
  
Thanks.]]></description>
			<content:encoded><![CDATA[<div>I am going CRAZY!<br />
 <br />
There is a leak in the toilet probably because one of the washers has gone, but I can't take the cistern off.<br />
 <br />
It is a close-coupled toilet that has screws inside the cistern and the nut hidden away in the sealed unit.  After removing the rust from the screws they just turn and turn.  And using a endoscope camera I can see that the nut and screw are just turning and turning ...<br />
 <br />
There MUST be a knack to this?  Can anyone help?  <br />
 <br />
Thanks.<br />
 <br />
(unit looks like this:<br />
<img src="http://images.victorianplumbing.co.uk/images/COM-DELUXE-LARGE.jpg" border="0" alt="" />)</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=39">In my home (includes DIY) MoneySaving</category>
			<dc:creator>boxst</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964147</guid>
		</item>
		<item>
			<title>Picture caption or perhaps an appropriate song title.</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964145&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:25:50 GMT</pubDate>
			<description><![CDATA[Image: http://travel.msn.co.nz/img/europe/article/top-nudist-beaches-article.jpg  
  
  
If you go down to the woods today, You're sure of a big surprise 
If you go down to the woods today, You'd better go in disguise. 
For ev'ry bare that ever there was, Will gather there for certain, because 
Today's the day the Teddy Bares have their picnic.]]></description>
			<content:encoded><![CDATA[<div><img src="http://travel.msn.co.nz/img/europe/article/top-nudist-beaches-article.jpg" border="0" alt="" /><br />
 <br />
 <br />
<div align="center">If you go down to the woods today, You're sure of a big surprise<br />
If you go down to the woods today, You'd better go in disguise.<br />
For ev'ry bare that ever there was, Will gather there for certain, because<br />
Today's the day the Teddy Bares have their picnic.<br />
<br />
</div></div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=58">The Money Savers Arms</category>
			<dc:creator>amistupid</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964145</guid>
		</item>
		<item>
			<title>E: 21/05 ? shame bluray ltd ed artwork digital spy (twitter)</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964143&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:25:26 GMT</pubDate>
			<description>follow... 
 
https://twitter.com/#!/digitalspy (https://twitter.com/#%21/digitalspy) 
 
then 
 
 go ere click on answer c brandon sullivan  (http://www.digitalspy.co.uk/movies/news/a378176/win-limited-edition-michael-fassbender-artwork-and-a-copy-of-shame.html) 
 
tweet the message that comes up</description>
			<content:encoded><![CDATA[<div>follow...<br />
<br />
<a href="https://twitter.com/#%21/digitalspy" target="_blank">https://twitter.com/#!/digitalspy</a><br />
<br />
then<br />
<br />
<a href="http://www.digitalspy.co.uk/movies/news/a378176/win-limited-edition-michael-fassbender-artwork-and-a-copy-of-shame.html" target="_blank"> go ere click on answer c brandon sullivan </a><br />
<br />
tweet the message that comes up<br />
<br />
<a href="http://hearst.co.uk/magazines/Terms-and-Conditions.html" target="_blank">terms</a><br />
<br />
searched soz if dupe, no spammers!:j:j:j<br />
<br />
<font color="Silver">guessedenddate</font></div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=72">Competitions Time</category>
			<dc:creator>sherbie</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964143</guid>
		</item>
		<item>
			<title>Bus lanes in Edinburgh</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964141&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:24:58 GMT</pubDate>
			<description>why oh why do people stick rigidly to driving in the outside lanes when they should be driving in the Greenways bus-lanes outside the restricted hours ie A8 from the Maybury to Haymarket past the Zoo you can use Bus lanes from 0930 to 1630 the signs are big enough please dont threaten me ,try to cut me up ,nearly cause an accident cutting me up at lights,turning across me to turn left waving their fist at me,why ? because I`m in a Bus-lane:) a wee tip if there are loading bays in Greenways you can drive in them outside restricted hours.:D</description>
			<content:encoded><![CDATA[<div>why oh why do people stick rigidly to driving in the outside lanes when they should be driving in the Greenways bus-lanes outside the restricted hours ie A8 from the Maybury to Haymarket past the Zoo you can use Bus lanes from 0930 to 1630 the signs are big enough please dont threaten me ,try to cut me up ,nearly cause an accident cutting me up at lights,turning across me to turn left waving their fist at me,why ? because I`m in a Bus-lane:) a wee tip if there are loading bays in Greenways you can drive in them outside restricted hours.:D</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=88">Scotland</category>
			<dc:creator>Yogibear</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964141</guid>
		</item>
		<item>
			<title>E: 01/07 win one of two pairs of tickets to see newcastle united play in the 2012 201</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964139&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:24:38 GMT</pubDate>
			<description><![CDATA[answer = Magpies 
  
  
  
  
JDSports (https://www.jdsports.co.uk/webapp/wcs/stores/servlet/AnswerCompetitionView?langId=-1&catalogId=10551&storeId=10151&krypto=MmgOyZLif2O0k5HRJPzlwsZYobe7cpH%2BZhym6SIpQpUme6aflS7R7J2iZvzMjUvaMrbrNQBK1zXt%0AHTV4mAp2Db4CsnlqAkgqQZB0aQ9gRDlKyPFcEJv746kVRIz0xF6ajhWXvNGhiESPja4CW7H8ov9D%0AUQH93LuY11oWaoNunz%2Buk2197BGobxXs%2Bo6XYXu2ZM5GqPXknjQ%3D&ddkey=https:Logon)]]></description>
			<content:encoded><![CDATA[<div>answer = Magpies<br />
 <br />
 <br />
 <br />
 <br />
<font size="5"><a href="https://www.jdsports.co.uk/webapp/wcs/stores/servlet/AnswerCompetitionView?langId=-1&amp;catalogId=10551&amp;storeId=10151&amp;krypto=MmgOyZLif2O0k5HRJPzlwsZYobe7cpH%2BZhym6SIpQpUme6aflS7R7J2iZvzMjUvaMrbrNQBK1zXt%0AHTV4mAp2Db4CsnlqAkgqQZB0aQ9gRDlKyPFcEJv746kVRIz0xF6ajhWXvNGhiESPja4CW7H8ov9D%0AUQH93LuY11oWaoNunz%2Buk2197BGobxXs%2Bo6XYXu2ZM5GqPXknjQ%3D&amp;ddkey=https:Logon" target="_blank">JDSports</a></font></div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=72">Competitions Time</category>
			<dc:creator>jambodaveprince</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964139</guid>
		</item>
		<item>
			<title>E: 05/06 Win an amazing trip to New York</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964137&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:24:37 GMT</pubDate>
			<description><![CDATA[*Time Out* log in/reg (http://www.timeout.com/competition/yayoikusama)   
 terms (http://www.timeout.com/features/termsandconditions/?comp_id=1395) 
*Additional terms and conditions for ' Win an amazing trip to New York (http://www.timeout.com/competition/yayoikusama)' competition* 
 
 1. Entries must be received by midnight on 5 June 2012.  
2.  Prize is 2 flights in the main cabin from London Heathrow to New York  JFK return on American Airlines, and a 3 night stay for 2 at The  Chambers Manhattan hotel New York in a shared deluxe room.  
3. Flights must be used at the same time and on the same routing.  
4. Flights and accommodation are subject to availability at time of booking and may be subject to black-out dates.  
5. Passengers must have valid passports and ESTA authorisation to travel to the US, and insurance.  
6. Flights must be booked by 15 December 2012 and travel completed by 1 May 2013.]]></description>
			<content:encoded><![CDATA[<div><a href="http://www.timeout.com/competition/yayoikusama" target="_blank"><b><font size="5">Time Out</font></b> log in/reg</a><a href="http://www.timeout.com/competition/raceday" target="_blank"><br />
</a>  <br />
 <a href="http://www.timeout.com/features/termsandconditions/?comp_id=1323" target="_blank"><br />
</a><a href="http://www.timeout.com/features/termsandconditions/?comp_id=1395" target="_blank">terms</a><br />
<b>Additional terms and conditions for '<a href="http://www.timeout.com/competition/yayoikusama" target="_blank"> Win an amazing trip to New York</a>' competition</b><br />
<br />
 1. Entries must be received by midnight on 5 June 2012. <br />
2.  Prize is 2 flights in the main cabin from London Heathrow to New York  JFK return on American Airlines, and a 3 night stay for 2 at The  Chambers Manhattan hotel New York in a shared deluxe room. <br />
3. Flights must be used at the same time and on the same routing. <br />
4. Flights and accommodation are subject to availability at time of booking and may be subject to black-out dates. <br />
5. Passengers must have valid passports and ESTA authorisation to travel to the US, and insurance. <br />
6. Flights must be booked by 15 December 2012 and travel completed by 1 May 2013. <br />
7. This prize is non-transferable and may not be redeemed for cash. <br />
8. The competition is organised by the Board of Trustees of the Tate Gallery (&#8216;&#8217;Tate&#8217;&#8217;). <br />
9. No other expenses are included as part of the prize and Tate&#8217;s decision is final. <br />
10.  Offer includes all taxes/charges. Only one entry per person is  permitted. The competition is not open to employees of Tate, The  Chambers Hotel, American Airlines, Exhibition Sponsors and Supporters,  or Time Out. <br />
11. Tate reserves the right to cancel the competition at any stage if deemed necessary.<br />
<br />
<b>Yayoi Kusama's 'naked happenings' took place on what bridge?</b><br />
<br />
<b><br />
answer: Brooklyn Bridge</b><br />
<a href="http://en.wikipedia.org/wiki/Yayoi_Kusama" target="_blank"><br />
here</a><br />
<br />
..............Kusama organized outlandish <a href="http://en.wikipedia.org/wiki/Happenings" target="_blank">happenings</a> in conspicuous spots like <a href="http://en.wikipedia.org/wiki/Central_Park" target="_blank">Central Park</a> and the <a href="http://en.wikipedia.org/wiki/Brooklyn_Bridge" target="_blank">Brooklyn Bridg</a></div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=72">Competitions Time</category>
			<dc:creator>weeowens</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964137</guid>
		</item>
		<item>
			<title>E: 31/05 Win 1 night DBB for 2 at the The Horn of Plenty in Gulworthy, near Tavistock</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964135&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:23:35 GMT</pubDate>
			<description><![CDATA[*Taste Buds* (http://www.tastebudsmagazine.co.uk/promotion.php/WIN-25/) 
 
Win 0ne night&#8217;s dinner, bed and breakfast with four-course lunch for two people at The Horn of Plenty in Gulworthy, near Tavistock 
 
*Q) *How many AA rosettes does the Horn of Plenty hold? 
 
Answer: **Two (from comp text) 
 
Best of Luck :)]]></description>
			<content:encoded><![CDATA[<div><a href="http://www.tastebudsmagazine.co.uk/promotion.php/WIN-25/" target="_blank"><font color="Navy"><b>Taste Buds</b></font></a><br />
<br />
Win 0ne night&#8217;s dinner, bed and breakfast with four-course lunch for two people at The Horn of Plenty in Gulworthy, near Tavistock<br />
<br />
<b>Q) <b>How many AA rosettes does the Horn of Plenty hold?<br />
<br />
Answer: </b></b>Two (from comp text)<br />
<br />
Best of Luck :)</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=72">Competitions Time</category>
			<dc:creator>Amilucky?</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964135</guid>
		</item>
		<item>
			<title>E: 25/05 Win 10 Fancy Dress Costumes</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964133&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:21:46 GMT</pubDate>
			<description>http://your.asda.com/news-and-blogs/news-asda-fancy-dress-range 
 
Tell them your favourite cartoon character and why</description>
			<content:encoded><![CDATA[<div><a href="http://your.asda.com/news-and-blogs/news-asda-fancy-dress-range" target="_blank">http://your.asda.com/news-and-blogs/...cy-dress-range</a><br />
<br />
Tell them your favourite cartoon character and why</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=72">Competitions Time</category>
			<dc:creator>chelsea1969</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964133</guid>
		</item>
		<item>
			<title>Our Mortgage Free Dream</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964131&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:21:36 GMT</pubDate>
			<description><![CDATA[Hi, 
Thought I'd post up our experience. My husband and I have a very small mortgage of 50k, of which after one year we have 49k remaining - I was a student when we took it out, and left it all to my husband to sort so I was very shocked to see we had paid off so little!  
  
So a quick trip into the bank, and I reduced our term from 25 - 15 years and set up recurring overpayments, so hopefully it'll all be done in 10 years time - but still I hate having it hanging over our heads! 
  
We now have a lodger, and while he's here I want to overpay more, but my husband is going to get made redundant in the near future so maybe it's better to save? Although we do have ~6 months of payments saved anyway, in case the worst should happen. 
  
Anyway, I'm rambling on, but I just can't wait to get this paid off. My parents said it's a good thing that we have the mortgage as it gives us access to cheap credit if we need it (they never did so always had to use expensive loans) but I really don't want it!!]]></description>
			<content:encoded><![CDATA[<div>Hi,<br />
Thought I'd post up our experience. My husband and I have a very small mortgage of 50k, of which after one year we have 49k remaining - I was a student when we took it out, and left it all to my husband to sort so I was very shocked to see we had paid off so little! <br />
 <br />
So a quick trip into the bank, and I reduced our term from 25 - 15 years and set up recurring overpayments, so hopefully it'll all be done in 10 years time - but still I hate having it hanging over our heads!<br />
 <br />
We now have a lodger, and while he's here I want to overpay more, but my husband is going to get made redundant in the near future so maybe it's better to save? Although we do have ~6 months of payments saved anyway, in case the worst should happen.<br />
 <br />
Anyway, I'm rambling on, but I just can't wait to get this paid off. My parents said it's a good thing that we have the mortgage as it gives us access to cheap credit if we need it (they never did so always had to use expensive loans) but I really don't want it!!</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=98">Mortgage-Free Wannabe</category>
			<dc:creator>giddypenguin</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964131</guid>
		</item>
		<item>
			<title>To all you Belfast Commuters</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964129&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:21:34 GMT</pubDate>
			<description><![CDATA[I BET ALL THOSE CULTCHIES ARE ENJOYING THE BALMORL SHOW !!!   
  
ARE YOU ENJOYING THE TRAFFIC !! :rotfl::rotfl: 
  
SORRY, COULDN'T RESIST !!]]></description>
			<content:encoded><![CDATA[<div>I BET ALL THOSE CULTCHIES ARE ENJOYING THE BALMORL SHOW !!!  <br />
 <br />
ARE YOU ENJOYING THE TRAFFIC !! :rotfl::rotfl:<br />
 <br />
SORRY, COULDN'T RESIST !!</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=32">N. Ireland</category>
			<dc:creator>warmhands.coldheart</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964129</guid>
		</item>
		<item>
			<title>Question about money earned last tax year but paid in this tax year</title>
			<link>http://forums.moneysavingexpert.com/showthread.php?t=3964127&amp;goto=newpost</link>
			<pubDate>Wed, 16 May 2012 11:20:16 GMT</pubDate>
			<description><![CDATA[Hi All, 
 
If I earned money in the last tax year but was actually paid or paid the money into my account in this tax year, when do i account for those earnings in the tax year return that they were earned or in the tax year return that the money physically went into my account? 
Please only answer if you're a professional or can link to a professional answer as I don't want to take any chances with making a mistake. 
 
Many Thanks, 
Zipp]]></description>
			<content:encoded><![CDATA[<div>Hi All,<br />
<br />
If I earned money in the last tax year but was actually paid or paid the money into my account in this tax year, when do i account for those earnings in the tax year return that they were earned or in the tax year return that the money physically went into my account?<br />
Please only answer if you're a professional or can link to a professional answer as I don't want to take any chances with making a mistake.<br />
<br />
Many Thanks,<br />
Zipp</div>

]]></content:encoded>
			<category domain="http://forums.moneysavingexpert.com/forumdisplay.php?f=22">Cutting Tax</category>
			<dc:creator>zipp</dc:creator>
			<guid isPermaLink="true">http://forums.moneysavingexpert.com/showthread.php?t=3964127</guid>
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	</channel>
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