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What would you do?
Would you move money from a flexible ISA into a taxable account or take pension drawdown to fill a void in your tax free allowance. My partner and I are both non tax payers and retired. I draw a private pension but am not yet of state pension age. My partner doesn't draw their pension and is also not of state pension age.…
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Old Style Daily Thursday 16 July 2026
Morning everyone.
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Intimidation tactics by DCB legal
Hi I have been challenging a claim of £200+ by Euro Car Parks via DCB legal. It's got to small claims court stage now. Just sent off some paperwork requesting a hearing. Something really odd and really quite intimidating has been happening. I get a call from them. I answer. They don't speak. Call ends after 15 seconds. One…
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How to email video file from iphone when file is too big?
AS above. A chap wants to email me a video that he took on his iphone but I'm android/pc. Apparently file size is too big to send! Any ideas please how this can be done when neither he nor I are really into techie stuff?
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Back billing/Inaccurate bills British Gas
Vulnerable customer who joined British Gas 28 October 2022 with supply ending 19 February 2025 and have smart meter. Early 2023 raised concerns with supplier because bills being produced using estimated readings. Supplier insisted I owed £1400 and placed me on a £325 monthly payment plan(nearly doubling previous payments)…
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Mortgage 6 years after DRO approved
Just looking for some advice really if anyone has been in the same situation. My DRO drops off my credit file on 28/7/26. I am looking at getting a mortgage will Main Street lenders consider me after this date? Or can anyone recommend any high street banks/building societies that will?
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Lenovo ThinkVision Monitor - Deal makes it half price at £99
Don't post deals as a matter of course but this one stood out today - just in case anyone is looking for a monitor - use the discount code shown - valid until 18 July. https://www.lenovo.com/gb/en/p/accessories-and-software/monitors/office/63f4mat1uk
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GroupNexus not a recognised creditor (POPLA win)
Finally a POPLA assessor who understands PoFA and the precision required. An appeal based on the fact that GroupNexus is not a “creditor” and that CP Plus Ltd is not identified as the creditor in GroupNexus NtKs. GroupNexus Moto Burton in Kendal (POPLA Successsful) In summary: POPLA outcome: Successful The appellant…
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My 5 year goal!
So, I haven't been great with money lately and my spending has got the better of me, coupled with the fact I took my eye off the ball and didn't budget for my tax payment this month 😬. I have managed to get it covered, but I need to pay attention to sort out my debt. In about 5 and a half years, my mortgages will be paid…
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Buyer's lender raising Section 38 / road adoption issues – anyone experienced this?
Hi all, I'm hoping someone has been through something similar and can share their experience. We're currently selling our house on a relatively new-build development (less than 5 years old). The estate roads have not yet been adopted by the local authority and the Section 38 Agreement has not been completed. The council…
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Severn Trent - Pressuring to pay full years bill.
My partner has received a phonecall today from STW (although was unsure if it was a scam to start). The lady was basically stating because we were late paying our first half year installment that we had to pay the full years bill either in full or set up an installment plan. My partner came to me to check that we had paid…
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Once I apply for PIP in Jan 2027 how long will the application process take?
Is it about 6 months to a year ?
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Illegal eviction, what can I claim for?
When I was remanded into custody, a new landlord took over my property, and illegally evicted me by changing the locks without notice and disposed of all my property. They claimed they didn't know how to contact me despite having my NOK details and knowing I was in custody, I had an email sent of by behalf demonstrating my…
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Help required working out Civil Service Pension following retirement.
Wondering if someone could help me work out what a pension calculation should be. Worked in CS from March 2000 - March 2020 (on reaching 60) full time and took my full classic pension then. From March 2020 - April 07 2026 worked partial retirement. On March 31st 2025 my pension was calculated as (i) Classic March 2020-22…
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Cementing over soil
Hi all, Not sure if anyone will be able to help or whether I need to go to a specialist place for advice.. Ive removed our old wooden shed and there is parts of one side where the new metal shed will go that is currently soil and I wanted to cement over the soil but I didn't know if I could just put some normal cement over…
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Possibly sold a bogus hard drive. Can anything be done?
Probably more suitable in the consumer rights forum but those that frequent there may not have so much techie knowledge so I'm coming here. Basiically some time at the end of March I bought 2x used hard drives on eBay. Both 4TB, one from theharddriveexperts & one from pro-avit.london. First problem is, as the eBay listing…
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New kitchen
Hi Wondering if this is red flag: Local company came out to measure my kitchen. Pretty small 6 units, 2 x doors for the split pantry, 1 drawer, worktop, sink and tap. They've quoted £3k. Does not include fitting they suggest this will be around 1k. I asked for a breakdown of their quote as it seems high (to me) it's mid…
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Discussion about a divorce and house sale and realistic prospect
Hello going through a very messy and stressful divorce and it has taken its toll on me mentally and severely impacted my health Anyway, with the divorce and mediation not being agreed on what will happen here? She can literally barely afford the upkeep of the house at this moment in time, let alone if anything changes. She…
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Club Peroni ‘price’ hikes
Hi all, I joined the Club Peroni loyalty scheme and saved enough for a cooler bag (175 or 200 ‘points’ iirc), but it had disappeared when I went to redeem. When it reappeared it was at nearly three times the number of points (500!). Emailed them and they basically said tough and hope it doesn’t put me off collecting points…
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Avoid Mozillion Mobile AT ALL COSTS, they are TERRIBLE
Firstly, I don't usually post on forums, however, as somebody who owns over 5 sim cards with Mozillion and have received nothing but terrible service and stupid replies from them(Especially Lennox) I felt the need to create an account here and get the thread ranked on google and other search engines, just so that other…
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Santander's new 8% regular saver?
What are peoples' thoughts on their new offering - especially for existing customers? Is it a no brainer? How quick was it to actually close your old RS when going via chat before you were able to open the new RS? I note that rather than rolling into a new RS in 12 months time (with accumulated funds and accrued interest…
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Beautiful Walls Code For 10% Off Order
https://beautifulwalls.co.uk/ Use Code BEAUTIFUL10 for 10% off
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Amazon refusing refund for undelivered item
Hello, I am a student with very little money who recently placed an order on Amazon costing £105. Shortly after placing the order I attempted to cancel it because of the expense, but was declined. I contacted a customer service agent appealing this and they said they would attempt to contact the vendor directly to cancel…
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Received text to contact Capital Resolve for fine I have already paid
Ok so I have always paid my Car tax religiously but the last few years because of poor health I haven't been using it much and it kept breaking down when I did. When my car tax came up for beginning of April 2026 I just naively thought it would just expire and that would be the end of it. I had moved a number of times and…
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Investec Fixed Rate ISAS - unusual maturity condition
I applied for an Investec 1 Year fixed rate ISA yesterday and on reading t and c's after applying noticed that on maturity the interest appeared to have to be paid away into your linked account. this seemed really odd to me so went onto their chat and this was confirmed that on maturity the Isa transfers to instant access…
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double dip charge - over stay 2024
Hello, Around 2 months ago I received a letter in the post from DCBL with a charge of £155 for overstaying at a Euro Car Parks in Sainsbury’s dated in June 2024. Unfortunately missed the initial letters due to not updating my logbook address so the letters were all sent there. After a back and forth with DCBL to see the…
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AET and Autistic Child
Hi All My Daughter is about to have her assessment for autism after years of wait. Once she has had the assessment and depending on there judgement how will this affect our universal credit. My partner is currently subject to the AET of £991 which is difficult with reduced hours she can work as although my daughter is 13…
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Moving some of the more volatile stuff
A good while ago we had a GIA portfolio (actually two, but they can be treated as one) with a roughly 50/50 mix of gilts and stocks/ETFs (mostly some good dividend titles and the usual Vanguard VLS40…80). Nowadays it's more like 40/60 (gilts/stocks) because the stocks/ETFs have had significant gains. Additionally, we're a…
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Revolut £20 cashback tracking issue...just me??
I opened a new Revolut account last month - did everything correctly (yes, I clicked on the MSE link and entered my phone number before downloading the Revolut App). Still no £25. Apparently (Revolut chatbot) I've fulfilled all criteria but the campaign hasn't tracked from the MSE link. Anyone any idea what to do as…
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Obtaining a physical copy of the grant of probate
I instructed a solicitor to act for me in obtaining probate and house sell etc of my late mothers estate . Everything seems to be progressing as expected and an online search shows that probate has been granted and gives a number. Is that all the notification I will get or do I get an actual physical copy ( if this exists…
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Manufacturer requesting 5 star review before faulty return
I'd just like to run this past the forum and see if this is normal? We bought a tablet in Feb for £200 off amazon. It developed a fault after the 30 day amazon return window, so we contacted the manufacturer on Amazon's advice. They said we should factory reset etc and do the updates, which we did, twice, and the fault is…
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Retirement Investment portfolio thoughts
Considering retiring soon Aged 45 with a view to living until 90 or so, current portfolio in a variety of single stocks totalling around 1.5mil all in tax wrappers, Thank you Rolls Royce Our FIRE numbers Here have pension income/lump sum kicks in at 60yrs, 25k / yr and 144k lump sum. We have no children and no plans on…
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DCB Legal Letter of Claim - Smart Parking (broken machine + 5 min exit) and upcoming holiday
Hi everyone, Looking for advice on a DCB Legal Letter of Claim dated 09/07/2026 regarding a Smart Parking ANPR PCN. The Timeline (08/04/2025): 16:34 – Entry recorded by ANPR. 16:34–16:53 (19 mins) – The physical payment machine was faulty. The driver sought assistance from staff in the adjacent building to arrange…
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Dishwasher written off!
Good afternoon. I recently purchased a dishwasher within the last 3 months. Last week it began leaking and I checked everything pipes etc. Nothing seen. Company sent out a domestic appliance repair company who have written it off due to a faulty door seal and the door beneath the seal being bent. I am seriously regretting…
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Premier Parking - Recreation Ground, Torquay
Good afternoon folks, I wondered if any members had any experience with PCN tickets from Premier Parking? I’ve received a ticket today from them and have drafted an appeal letter, but wanted to see if others had any experience with them? For context, I did pay for parking and have an email receipt for it. I can see no…
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Classification/best use of funds from sale of home for a year whilst searching for new home?
Hi, I wonder if someone can advise on a couple of queries, or point towards reliable sources of advice/information. In the circumstances where someone has sold a main residence and is living “temp” whilst searching for a new property over a good few months, what might the savings and tax considerations be, if any, for the…
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Probate issue
Hi Everyone, I’m hoping someone is able to offer some advice or suggestions regarding an issue we’re having regarding probate please. Our mum passed away in November of last yesr. We’ve been struggling to get probate approved but and don’t know where to get help. Our mum never had any English tutoring and only had a basic…
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SA tax calculation does not show tax paid via PAYE.
I have to do Self Assessment because I receive a tiny foreign pension, so I also supply details of interest received on savings. Normally I have tax to pay of a few hundred £, but my calculation shows over £7k. This can only be because the calculation has not included tax already paid under PAYE. I have been doing SA for…
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PanasonIc TV bought from Amazon in 2023 now faulty in less than 3 years
Hi all. I bought a YV from Amazon in September 2023 and it is now faulty and is stuck in a 'boot loop' flashing Device Storage nearly full. I cannot access any settings or TV on it. I contacted Amazon this morning and they have told me the warranty ran out in September 2025 and the responsibility now lies with the…
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eBay Businesses not accepting messages?
How is it allowed for established eBay businesses to click "not to be contacted"? This seller doesn't accept messages. Why would eBay allow that if you want to ask something or have a problem? It's the first time I have encountered this on a business account, and I purchased from another seller instead that was helpful in…