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Balance transfer help
Sorry if this sounds like a stupid question i’m looking to do a balance to give me more time to pay and clear my debts . I’ve received an offer from one of my cards of a 5.9% per annum over 30 months with 0% fee what does this mean? Does this mean I can transfer the debt pay nothing to transfer it but if I don’t clear the…
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Sanity Check Request- VCS parking charges
Hi all, I’d really appreciate a sense-check from the forum on whether I’ve handled this correctly and how strong my position is if this escalates further. Thanks in advance, and also thank you to everyone who contributes to the excellent resources here. — I’m a tenant in a gated residential development in England with an…
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Transfer out of Kroo
hello, I’m trying to transfer my Kroo ISA, but when I keep finding that Kroo is not listed by the new bank. explanation offered was that Kroo isn’t on Open Banking, but Kroo se to think they are. anywise owls out there with a solution? TIA Chris
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Santander £180 switch offer (01/04/2026 to TBC)
Santander have (rather sneakily IMO) withdrawn the old £200 switch offer and replaced it with a new offer for £180. What you need to do: 1: Submit a switch request on or after 1st April 2026 and before the switch offer is withdrawn. 2: Complete a full switch to a new or existing Santander Everyday, Edge, Edge Up, Edge…
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Working in NHS, accessing NHS pension and paying into SIPP
Just wondering if anyone is in a similar situation to me. I have accessed my 1995 pension via partial retirement, am still working in the NHS and am paying into a SIPP making contributions so I attract higher rate tax relief but not going below that. Having read recently about pension recycling and HMRC looking at 5 years…
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Car Finance for Motability?
Do the same rules apply for car finance for Motability? Thanks Nick
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Confirmation of timeframe of when agreements were made and can be claimed for
On a recent video of Martin's, he says you can put a complaint in for any purchase between 6th Apr 2007 up to 1st Nov 2024. Last year when the tool came out here, I used it to complain to BMW and got an email back that said: Following a review of your agreement xxxxxxxx for your BMW with registration XXXXXXXX, I can…
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Wix alternatives for websites?
I have run a website on Wix for a number of years now but their hosting is costing me a lot. Now they want £201 for the next two years and this is killing my pocket! Is there a cheaper way of hosting my website and what would the alternatives be. I also have my own domain but this is not supplied by Wix. Many thanks.
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Car Finance Checkers
I've had a couple of car finance agreements in the past, one of which I have already filled out a claim form for reclaiming car finance from 2018. However, I cannot remember or find details of one I had before this one. It would have been around 2012. I have installed the Equifax, Experian and Transunion apps, and not one…
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Advice please
Evening all, In July 2026 our 7 year fixed rate mortgage finishes (Interest rate 2.43%!), that leaves us with 2 years left of our 25 year mortgage and a balance of around £15,000. So my question is: do we take out a 2 year mortgage to finish (probably not) OR pay it off with a stocks and shares ISA - we have 2 around…
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I have a CCJ - Dont Recall getting a Claim Form
Hi all I didn't realise I've been taken to court and now have ccj on my credit score, a letter arrived 29/3/26 suggesting pay and it will be taken off as paid in a month. The CCJ was entered on the 23/02/2026, I received a letter dated '18/03/2026' and this came 29/03/2026. Therefore I have missed the Month, as it was done…
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Hire a car for a month or so
In about a month's time I might want to hire a car for a few weeks. I am not going anywhere, but we will need an extra car in the house, so I would use the hired car for my normal comings and goings. I have had a quick search and there seem to be ok prices around, but what should I look for? Are there specific places/web…
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Old Style Weight Loss Challenge - 2nd Quarter 2026
Hi All Welcome to the 2nd quarter Old Style Weight Loss thread for 2026. Please feel free to start posting your weight loss goals for the next challenge which will run from the 1st April until the 30th June. You do not have to submit a loss or gain for the first week as it's our starting week, you can post your first loss…
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Anti worm/tick and repeat prescriptions
I have a new dog which I "rescued" from someone whose circumstances have changed. I have just been told that he has always been on nexgard for tick/flea/worm treatment. It is not a problem to carry on like this. The problem could be the vet. I know that my vet (I had another dog that died just before Christmas:( ) doesn't…
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P&O Ferry Dover - arrival time
Booked on to the 08:15 ferry from Dover on Thursday. I know it will be busy as start of holiday weekend. Latest we can arrive is 60minutes prior. Can anyone advise on traffic through Dover to get to the port at around 6.15-6.45am? Just planning what time to arrive to give ourself time, without leaving home too early.
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France holiday house rental deposit
Travelling to Boulonge Sur Mer for a night with the family, and we found and booked a lovely 3 bedroom holiday home in the town on Booking.com. They are stating they require a 500euro deposit and needs to be cash. Is this normal procedure? I have asked if I can make the deposit in GBP which they have agreed, but I'm still…
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SMI for council tax
Hello, Could anyone please offering advice/support regarding a claim for Severely Mentally Impaired (SMI) for council tax. The GP is happy to declare the patient as Severely Mentally Impaired though the GP did not know where to find the form and didn't have a template form on their computer. They said other patients…
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Accepted offer - now discovered issue
Hi. We have been in the market 18 months. Finally got an acceptable offer. Bit lower than hoped but adjusting. Today, I was clearing out and cleaning the bathroom when I discovered that the skirting board near the bath was rotten. Completely fell apart. I'm pretty street it's because water from the shower has gone on the…
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Caring help
Advice required, My brother gave up work recently to look after both me and my mum. He can't claim carers allowance because it is only allowed for one person at 35 hours. My mum's needs, and mine individually don't add up to the hours required, but added together they are very close. He works very hard for us both. Are…
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Legal expenses insurance – The Financial Regulators Complaints Commissioner
I'm posting to see if others have had similar negative experiences with legal expenses insurance (also called before-the-event legal insurance). I've complained to the FCA and then to the FRC Commissioner about how poorly this market is regulated. My complaint was not upheld, but I'm convinced the system is not protecting…
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Money Moral Dilemma: Should I pay for repairs to my fiancé's house in return for joint ownership?
This week's MoneySaver who wants advice asks… My fiancé lives mortgage-free in a house he inherited. It's in poor condition and needs £1,000s spent on repairs, but he has no savings to fund them. I currently rent a flat, but he wants us to live in the house together when we get married next year. He says if I pay for the…
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A good reason to not recommend Givenergy - Charging for s/w
Just got an email stating that they are going to charge for the web portal and API. Can't comment until read on a better screen, but obviously that affects IOF . Bearing in mind their reputation is going hill fast I might have to look to jump ship .
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Managing multiple bank feeds into FreeAgent – any tips?
We’ve got four business bank accounts and our bookkeeper currently downloads statements from each one, then imports them into FreeAgent. The issue is the formats are all slightly different, so we keep running into small errors during reconciliation and it takes extra time to fix each month. Is there a simpler or more…
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Entertainment is plural
The title of this section should be "UK holidays, days out & entertainment" without the final "s".
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LGPS and AVC queries
Hi, I've just been looking through my pension forecasts. I'm hoping to retire in 9 years time - 60 years old. I'll have a LGPS of £23,000 approx per year. I've just started to pay more towards my AVCs in the hope that I'll have a pot of £75,000 ish when I retire which I can take as a tax free lump sum. I'm thinking that…
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NowTV Sports 14 day cooling off period invalid
We started a 12 month NowTV Sports package to watch the F1 on without needing a Sky subscription. Very quickly realised how awful it was and it take 48 hours for the races to appear and not all the pre-race programmes appeared at all. No good when the results are everywhere. Day 13 cancelled. Within 14 day cooling off…
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Conflicting price given on PCN
I was given a PCN from ECP over 30 days ago - even though the parking was free after a certain time hence not checking I needed to buy a ticket. The amount they said was £100 reduced to £60 but an image they have sent me after an appeal shows it should be £75 reduced to £45. Obviously I am out of the 14 day window. What…
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How to check if i have a county court hearing if i don't receive correspondence?
Currently ignoring the debt recovery letters as advised by this forum, many thanks to those who help here. There's been no change in address so correspondence should still arrive but is there a way to check online if i have been summoned to court just in case?
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Blackhorse Car Finance Complaint
I have found out that the only way to register a complaint re Car Finance with Blackhorse is to complete an online form. I have the Finance Agreement Registration number but they wont let me go any further without the car vehicle registration number and the dealership details. As some of my Agreements date back to 2007 and…
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Do I need to send another letter?
At the start of this I used the template to lodge a complaint, now the letter has changed do I need to send the updated one in addition to my original please?
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QUESTION - Barclays Ordinary Shares 25p each
I need a very simple explanation, which I can't find out via Google. I struggle with numbers etc, as I have Dyscalculia. So I really need an idiot proof reply. I have 5 shares called Barclays Ordinary Shares of 25p each. I've had them for a years, and assumed they are worth 25p. I've just noticed that it says 393.08p on…
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PG called in and made me bankrupt, is it irresponsible lending?
Hi Everyone, I am looking for some help. My company entered into voluntary liquidation in January 2025. We had several business loans, and an overdraft, totalling around £160k. One of our creditors actually made me personally bankrupt because I sign a trade agreement account with them in 2020 and totally didn't know it was…
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SIPP death benefits after April 2027
Can I just check whether my understanding is correct, please. Assumptions: I die before my wife. I die after age 75 The IHT nil rate band will be used up by other assets. When I die, the SIPP will be passed over to my wife, who can continue to draw an income (on which she will pay income tax), but IHT will not be an issue…
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Blackhorse Car Finance Complaint
I am looking for the email address to register my complaint re Car Finance with Black Horse. Can anyone help?
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MSE News: Cut passport costs: Three quick tips as millions miss out on cheapest ways to apply
Millions of Brits applying for a passport last year may have been able to save money by taking their own photo or applying online, MoneySavingExpert.com can reveal. If your passport's due for renewal, here's how to get it for less… Read the full story:…
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My experience with Gardening Express
This is my experience with Gardening Express (GE), following a BBC programme I watched sometime in October last year. I believe it was either Rip Off Britain or Watchdog. In that programme, Gardening Express stated that they had “promised to review their systems”. Unfortunately, my experience strongly suggests that they…
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MSE NEWS: 'I reclaimed £25,000 after taking time off to provide care' – can you do the same?
Two MoneySavers have boosted their State Pensions by thousands of pounds after hearing MoneySavingExpert.com (MSE) founder Martin Lewis's warnings about people potentially missing out. If you took time off work between 1978 and 2010 to look after children, or to provide care, you too could be due £10,000s – though check…
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MSE News: Lloyd Banking Group users complaining about recent app glitch being paid compensation
Thousands of Lloyds, Halifax and Bank of Scotland customers have been paid an average of £40 each in "goodwill payments" after complaining to their bank about a major mobile banking glitch earlier this month. Here's what you need to know… Read the full story:…
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Help? ISA transfer out from UBL UK
Hi. I'm asking here as I can't find this info anywhere else and UBL take 3 business days to reply to my question. I have a ISA with UBL on fixed rate until 7th April. I'm completing the form with another provider to transfer my UBL ISA to them after 7th April. I need to complete the sort code and account number of the UBL…
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Should you split large ETF purchases?
Are there reasons to split large purchases of ETFs into 2+ smaller transactions, and if so to keep them below about what size? This is about AGBP which is large and liquid.