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Court Hearing Letter Sent Late from Court
I’m currently contesting a parking ticket issued by Parking Eye which stated that I overstayed at a parking spot by 45 minutes. We have gone through the mediation stage and it has now been referred to court. I have received notice of the hearing and in the letter it asks for evidence to be provided. However, the date of…
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Plum LISA 5.65% rate for LISA transfers in or not?
I for the life of me cannot find out whether that 5.65% rate is for LISA transfers in or for opening a new LISA. The MSE table says transfers in, but maybe i am wrong here and its the lower 4.01% rate i'll get? Seems like a cracking deal that rate as my moneybox has come to an end :( The website small print says: *The…
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Ibis Manchester Airport EPS
Hello, me again, your advice has successfully won my last 2 fights but I have another one on behalf of my ex partner who borrowed my car to collect folk from the airport. She parked in Ibis airport hotel carpark for an hour. If i'd known she was going to do this I'd have advised her not to but anyway what's done is done.…
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Capital one payment plan
Hi I owe around £1000 to Capitol one and have agreed a payment plan of £60 a month. All interest has been stopped. I intend to pay it but would they let me use my credit card again once everything paid of. I have no other debts. TIA.
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How long before balance transfer goes through
Good evening I applied for a Santander every day credit card to do a balance transfer from my NatWest card. When I applied last week I put this request through at the same time. Got the Santander card and the separate internet login details this morning and set the online banking up and activated the card too. On the…
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British Gas tariff with Cheaper Energy Club
I've been trying to switch my BG tariff to the British Gas 15% cheaper through the Cheap Energy Club. It's not accepting my meter numbers that I have copied from my statement. The numbers contain letter and numbers and the site won't accept them. What can I do please? Also has anyone any thoughts on the E-on Next Smart…
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22% tax on interest from S&S ISAs from 2027, and limit on money market funds
To prevent circumvention of the lower Cash ISA limit, the rules will introduce a 22% charge on interest paid on cash holdings held in Stocks & Shares and Innovative Finance ISAs (non Cash ISAs), prevent transfers from non Cash ISAs into Cash ISAs for the under 65s, and prevent holding 100% Money Market Funds in non…
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Interest free credit or credit card?
I am about to have some new windows and doors fitted. The company has “Buy now, pay in 12 months offer”. The monthly repayments are approx £400pm, or full payment in 12 months before a large interest rate is applied. Would it be better to apply for a 0% for 2 yrs card, pay for the widows in full and then after 2 yrs, if…
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British Gas Credit Not Refunded
Hi all - I'm a customer of British Gas, I have built up a credit of just over £2300 in credit. When my bills went up in the energy crisis to £250 per month, I kept it at that level which is why the funds have built up. I have contacted British Gas three times to request that £2000 is refunded to me but they keep promising…
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Progress so far
thoought you might like to see progress so far ……….. overlay mosaic crochet ( strands at side will be enclosed by a border) am half way through pattern
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MSE energy club British Gas Fixed Exclusive Aug27 v4
Hi Can anyone help I am on British Gas Fixed tarriff v49 ends July 7th 2026 (oops 28th July) On MSE energy club they have a new tarriff British Gas Fixed Exclusive Aug27 v4 (offer ends Friday) if I switched via MSE club would I have to pay my exit fee as it finishes in 2 weeks BG have an exclusive for me for one until…
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MSE News: Savers to be charged for holding cash in stocks and shares ISAs under new plans
Savers will be charged for holding cash in stocks and shares ISAs from April 2027, the Government has confirmed today (23 June). This comes ahead of the cash ISA limit being cut from £20,000 to £12,000 also from the next financial year…https://www.moneysavingexpert.com/news/2026/06/cash-investment-isa-reforms/ If you…
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Martin Lewis gives 10-point summary as more info on Lifetime ISA replacement plans revealed
Further details on plans to launch a First-Time Buyer ISA (FTB ISA) have been published by the Government today (23 June 2026). The key for existing Lifetime ISA (LISA) holders – the current savings vehicle for first-time buyers – is that your LISA will continue as is, even if, and when, its replacement starts.…
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Does anyone even bother with the Wii U these days?
I'm looking at pulling the trigger on a Switch 2. We have a Wii U in great condition. Not really a ton of games but a handful as for the most part Mario Kart is what got absolutely hammered. I see listings but that doesn't mean they sell well. Unsure whether to bother trying it & if so then some sort of platform like CEX…
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Declaring expected interest and dividends to HMRC for the current year
For context, I'm a retiree paying basic rate tax on my pensions, savings interest and dividends via self-assessment. In a previous thread, I was trying to work out why HMRC had just increased the tax code on my occupational pension for 2026/27 (i.e. reducing the PAYE tax paid each month). If I had just accepted it, I would…
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Water Audit and Flow Control
United Utilities installed water meters to the properties on our street last year offering to, continue to bill as usual, giving us a comparison allowing us to choose how we're billed. A week later we filled an overground pool with approx 3,200l water and our first bill stated we're using more water than a household of…
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Can I transfer previous years cash isa into new stocks isa
Hi forum. I have just opened a stocks ISA with a new provider and used the transfer tool to transfer across funds, including previous years, from a cash ISA from a different provider. My stocks ISA will only allow me to use £20000 max into my new stocks ISA. Can I not also use previous years cash ISA funds too? I thought I…
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Government Consultation - More Timely Payments for Income Tax Self Assessment (ITSA)
Within this Government Tax Update released today … https://www.gov.uk/government/publications/summary-of-tax-update-2026-simplification-modernisation-and-fairness/tax-update-2026-simplification-modernisation-and-fairness-summary … there is a section titled 'More Timely Payments for Income Tax Self Assessment (ITSA)'.…
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Vinted lost parcel compensation
An item I sold on Vinted was lost by Evri, using a postage label purchased from Vinted by the Buyer. The item was reported as lost to Vinted by the buyer, however 3 days later the purchase was then Cancelled on the Vinted site. Vinted have refunded the Buyer but are saying that they won't compensate me for the lost item,…
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DCA Black Horse Finance problems
I bought a Porsche back in May 2007, Ive contacted Black Horse Finance, given them my name DOB Address Bank Account details Chassis number Agreement number When and where purchased They have responded cant find my agreement Whats going on, clearly these car companies are simple not going to pay a penny!
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Money Moral Dilemma: Is it OK to use our learning-disabled daughter's money to support her son?
This week's MoneySaver who wants advice asks… Our adult daughter has a learning disability, so I help manage her bank account and benefits (with her agreement). Over time, her balance has built up. We've also raised her son, who she was not able to cope with. He's now 17 and wants nothing to do with her. We're living on…
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New First Time Buyer ISA to replace LISA
As promised in last year's Budget, a consultation has been launched to discuss a new product for first time buyers, to replace the Lifetime ISA. Initial impressions are that it's broadly similar to the Help To Buy ISA, in terms of the bonus being added at property purchase time, and therefore no withdrawal penalties before…
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Advice needed please
My Mum passed away in July 2025 and as it is now almost sorted legally and financially, I would like some independent advice. My sister and myself are joint executors and beneficiaries of my mum's Estate and I had a wonderful plan to keep the house and to renovate and to rent it out. It was my childhood home and the…
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etoro - Market gains without risking what you put in
Is anyone familiar with this, or similar offers? capital protection account I received this marketing email from etoro which piqued my interest. It claims that if you remain invested for 2.5 years you're guaranteed to get out at least what you put in, but possibly more. The investments are 50% in equities like S&P 500,…
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ISA reform update
Tax update 2026: simplification, modernisation and fairness summary - GOV.UK ISA Reform The government is confirming the anticircumvention rules to support reforms to ISAs announced at Budget 2025 as part of the government’s wider strategy to develop a retail investment culture. To prevent circumvention of the lower…
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My husband died on the 31st December 25 I have not been able to have his Premium Bonds sent to me .
My husband died and as I couldn't cope with everything I put everything in our solicitors hands. Unfortunately they have had no joy in getting them for me so I rang NS&I today June 23rd 26, they were of no help and said they had sent a letter to my solicitors last week so the letter should get to the solicitors Friday of…
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Group Nexus
Hi all Long time stalking but have not posted anything for a long time, and now looking for a little bit of guidance dealing with this issue. I now have to deal with Group Nexus for my partner, who as the registered keeper received a invoice for a over stay in a retail car park by 22min 03s. The date of the event was…
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DFS Cancelled Order- Can I get Compensation?
Long story short, I ordered a sofa and upon delivery 2 out of the 3 items were damaged. I accepted the undamaged item and rejected the other 2. The original sofa is no longer available and they will not give me a free upgrade to the next closest model. They are offering a refund and collecting the sofa. My question is, Im…
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BW Legal - Reoccurring Calls but no Letter
I have had several calls from “BW Legal” over the last month or so. The automated call always leaves the same voicemail: ”Hello, this is a voice announce message from BW Legal. Please listen to the full message. BW Legal have recently written to you on behalf of our client. I want to remind you to get in touch with us…
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Claiming UC/JSA for only a couple of months
The situation is I get access to my Pensions in April 2027, I am currently living off savings and investments, but I forecast them to run out around Jan/Feb 2027, therefore I would possibly have to claim UC/JSA for two months to get me to my pension. The problem is I really don't want to have to seek work for those 8 to 10…
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Options for investing £38k from sale of an asset?
I recently sold my narrowboat and have pocketed £38000 for it. Obviously over the ISA threshold. What might be an approach to earning the best from it? Ideally for 2-3 years. I bought a house earlier this year and after putting £45k into it on the purchase of a house which cost £249k, the vague plan is to pay off more off…
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100Green
It's that time again to choose a new energy supplier for both gas and electric. Although not the cheapest option on Uswitch, they are the cheapest that don't have early exit fees on their tariffs. I've had a look on the review sites and they seem pretty good, anyone here have experience of 100Green?
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ParkingEye CCJ Claim N6KF8W45 — No Return Within — Defence Filed — Help Needed
Hi all, I have read the Newbies thread and hope I am posting correctly. I would be very grateful for help with the following. The facts: • Claimant: ParkingEye Ltd • Solicitors: DCB Legal Ltd • Claim No: N6KF8W45 (Civil National Business Centre) • Issue date: 27 May 2026 • Location: Costa Drive Thru, Lancaster Way, Yeadon,…
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SAL RSA Pension Scheme Wind-up
Today I received a letter giving first formal notice that as part of the buy-out process and wind up of assets for my deferred DB pension scheme with SAL. My question is: how do I know they will meet all the liabilities, apart from a promise that ‘they will’? How can I check? I was last able to request a quotation of my…
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Ikea BROR units
Anyone using the Ikea BROR storage units ? Interested to know how thick the metal is on the legs, particularly on the work bench (wheeled or static). I'm inclined to think that the shelving units are a similar thickness.
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IHT403 - £3,000 carry over and earlier gifts
Hey all, Am puzzling through IHT403 with my siblings and I have some questions. Sorry for the long one, have hopefully laid it out clearly. Just a note now given the years involved below - my mum died 2 years and 11 months after giving us all substantial gifts from selling her house, so taper relief doesn't apply. Small…
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Wren Kitchens and Novuna finance
We purchased what was presented as Wren's premium kitchen range in February 2025, to be delivered and fitted in April 2025, at a cost of more than £15,000. We expected a premium product and a level of customer service to match. Instead, what followed has become one of the most stressful, exhausting and disappointing…
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Italy - Seeking Advice For Train Travel
I'm heading to Vico Equense for 10 days at the end of July, as a single parent, with my two boys (9 and 10) and I'm looking for a bit of advice when it comes to train travel and how to manage it. Every day, we'll likely hit the trains one way or another to head to Sorrento, Mt Vesuvio, Herculaneum, Pompei etc and…
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MSE News: Government-backed NS&I's new fixed-rate savings pay up to 4.69% interest
NS&I has launched new fixed-rate savings accounts that let you lock in good rates for one to five years with total safety, as NS&I is backed by the Treasury. They're worth looking at if you're keen to save with a big name and won't need access to your savings – though you can earn a bit more from the top payers elsewhere……
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DCB Legal/Smart Parking CCJ claim
Hello all, I must say that Claude has this forum on high regard since it repeatedly recommended to try to get some advice from here. Here is the case 1. I visited a pub on New Year's Eye of 2024, parked my car, stayed there for 30mins or so and left. I hadn't seen any sign indicating that a parking fee needed to be paid.…