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Writing the perfect dispute to strike fear into the company/organisation at hand.
Hi all, I’ve been helping people on here with consumer disputes for a while and wanted to introduce myself properly. I specialise in drafting formal complaint letters and escalation documents for consumer disputes — landlord deposits, flight compensation, insurance rejections, faulty goods, telecoms billing and…
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Stuck in a dystopian nightmare between energy suppliers
Hi There, I write this is slight disbelieve and thinking about the Terry Gilliam movie Brazil (highly recommended) but I don't really know what to do, so hopefully you guys can help. Backstory We purchased our current property back in June 2025 and switched our gas and electricity to Home Energy. Not sure of relevant, we…
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'Guarantee' placed on glasses
We have had to switch opticians as previous one closed and they sent our notes to another business. Yesterday I bought new lenses at said business (a +2.5 change) for my current frames. I'm asking whether I'm right to have issue with the cost and the addition of a guarantee. I was not informed about it but on my receipt it…
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88year olds £670 dentist bill?
hi was hoping to get some advice, about 3 year ago I took my 85 year old Mam to the dentist, the dentist had de-registered her as she hadn’t been for a good while due to medical problems and Covid! So Id asked if she could register “no we are not taking any new NHS clients at this time” So Mams in pain so paid the £49.99…
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Intelligent Finance have my money but how can i get it?
Many years ago i had a current account and and ISA with Intelligent Finance. The current account has been closed for years but the ISA worth around 12k was still with them. I wanted to take the money out but I saw on MSE today that IF no longer exist and according to this site, if you had an ISA they would have sent you a…
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Legacy to grandchildren
Hello, wise ones! Before going ahead with a SIPP drawdown, I would like to check that doing this is the only option. The scenario is that my recently deceased husband left a legacy of £10k to each of our two (now adult) grandchildren. Due to long term care home costs for prior to his passing, the bulk of our cash is in a…
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EPC downgraded from C to D
We have a EPC carried out in 2020 which we were awarded a C rating. Just had a surveyor to do a EPC, despite us having a valid EPC. She had downgraded our EPC rating from C to D, bang on at 68 points - a C will be 69 points and above. I was wondering if I can get some advice from well versed people here: a.) With a valid…
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salary sacrifice car
Hi does anyone know what rights I have if any to reject the car as they have had it twice and failed to deal with a serious safety issue? I have a salary sacrifice car which has developed several faults including a major sunroof failure and the main dealer has also damaged the car whilst having the car in for warranty…
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DCBL taking me to court for a parking fine that I already paid
I received a parking fine in the post in summer 2024 because I was parked in a private car park of a restaurant. I stopped there because I was having a hypoglycaemic episode(diabetic) and needed to pull over immediately. I am also disabled, and have a Blue Badge which I displayed. I believe I was caught by a camera in the…
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Paypal credit fraud letter
A family member has been receiving letters from PayPal Credit over the last 3 months saying payments have been missed and that a £12 late fee has been added to the account. The problem is they do not have a PayPal Credit account. At first, we assumed it was some kind of scam trying to get them to call the number on the…
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Shark Beauty issues
So I ordered an item from Shark's Tiktok shop, apparantly items come from the same warehouse as the website as they are the same company as Shark Beauty. Item became faulty after the 30 day period, they ignored my requests for a refund siting 30 days max, even though I argued it was faulty (Battery would not last the whole…
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Anti-slip shower trays - how hard to keep clean?
Asking here 'cos I don't know where else to ask! We're going to get our bathroom dragged into the 21st Century, and because I'm pushing 80 now we're wondering whether to go for an anti-slip shower tray. Specifically one with this finish …. But it looks like that'd be a PITA to keep clean. Anybody actually got one like this…
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Closing an old card vs not
I currently have 2 credit cards (both 0%): Chase - NIL balance - £7k limit Tesco - £2k balance - £6k limit Should I close the Chase card as I'm not currently using it, and don't intend to in the future? I'm just thinking of chances of acceptance for a new one, when the Tesco card ends, as my credit utilisation will go up…
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LG battery recall - check yours
If you have an LG battery pack attached to your solar inverter, check it isn't one of the ones involved in a safety recall from 2021/22. If your installer went bust, then you may not have been notified.…
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Withdrawing from two ISAs possible?
have two ISAs, both flexible One has £50k (no top ups this tax year) Other has £20k (opened and topped up 7 April) So my question is: can I withdraw from both and put it back? So I want to withdraw 10k from one and 10k from the other. Then put these back in toward the end of year? thanks
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A marked decrease in winnings
I started entering competitions 13 years ago and was very successful, winning multiple a month. Over the last 10 years I switched to just entering during periods where I had extra time and only aimed for high end prizes, and would still be quite successful. I took a break for a few years before deciding to try again…
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NS&I Index-Linked certificates - changing terms?
Sorry for silly question, but is there any downsides to changing the term from 5 years down to 3 years at maturity? I see the both pay CPI + 0.01% so the reward is the same, so earnings should be comparable year on year? Or have I missed something? I assume a 3 year term is probably a better bet as not locked in? Also,…
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Horizon PCN tescos failure to validate.
The REGestered Keeper recieved this PCN, failed to notice to validate, unfortunately the driver paid for shopping by cash and cant find reciept otherwise would have requested in store manager to cancel the PCN. Is there any recomended route? the notice appears to be POFA compliant but not sure. Thanks in advance
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New build incentives subject to "completion by end of June" - what's our risk?
FTB couple, and we reserved a new build with Persimmon. Aiming for completion before 30 June. Upon viewing, the house appears complete, just needs turf. The deal: Purchase price: £270,000 (reduced from £280k with a £10,000 discount) conditional on exchange by 23rd June 2026 5% deposit contribution from Persimmon: £13,500…
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Taking private seller to small claims
Hi, I purchased a car from a private seller a week ago and had to take it to the garage in 3 days. My partner test drove the car and said everything was fine and we purchased it. The car had very sticky gears to which the seller advised she was used to it but the garage said it was fine and not a problem. I later wanted to…
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Smart parking
4 years ago i appealed a smart parking fine and this is the appeal return letter. subsequently i received a lot more of these fines for the 3 weeks i was parked in the car park. They have just sent me the court papers through and want a load of cash. Surely if this goes to court the judge will not be happy about the…
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DWP overpayment figure after a bereavment
Hi allI am dealing with a very small estate and would appreciate advice and thoughts on the following. My mother passed on the 22/04/2026 and I have received a request for repayment of overpaid benefits from the DWP. She received payments for State pension and Pension credit on 23rd March ,30th March and 2nd April which…
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ESA query recovering from an operation
Nov 24 I fully ruptured my patella tendon falling down stairs at a customer's house. I was a one man plumber trading as a limited company. After surgery I was meant to be back at work in six months but I was left with problems and patella alta. In Aug 25 I found out I needed a second surgery which would leave my knee weak…
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Utmost Life and Pensions unknown pension balance
My wife received a letter from Utmost life and pensions saying that she has an unclaimed pension of about £6K. It seems to be for AVC contributions but she says she never made any AVC contributions. The letter does mention "National Health Service Pension Scheme Personal Pension - Residual Fund". I believe that at some…
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How to pay a small cheque in to Nationwide
I have a small cheque to pay in to my Nationwide flex account How is this done ? No local branch No ability to scan cheques on line - come on Nationwide - add an app Not worth paying £1 for postage - the cheque is only for £7.35 ! This is so frustrating !!
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IHT - Residence Nil Rate Band (RNRB) not applied
I think I know the answer to this, but I'm just checking my solicitor is on the ball. Both of my parents died within a month of each other, mother first then dad. Both had simple symmetrical wills: estate left to spouse then to 3 children. The solicitor has applied the £325k Nil rate band to mothers's estate and the unused…
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Ticket on private land when I was asked to go there by the owner
Hi, I've read the newbies bit but got a bit confused about which part would apply, I would be grateful if someone could point me to the right part to read please or other advice welcome, thanks Just wondering what my rights are here, I'm a gardener and someone messaged me a few months ago on a job website asking for a…
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Smart Meter Adviceq
Hi, OVO customer here and our analogue gas meter has a fault. We need a replacement and I understand this has to be a smart meter. However, my electricity meter functions perfectly well. OVO are insisting on a dual swap out - is this really necessary?
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HELP!!! - Parking Charge Appeal -POPLA / NCP
Hi all, I'm looking for advice on a POPLA appeal against a parking charge from NCP and whether my situation is likely to succeed. I have put the details below: Entered a 24-hour ANPR car park (standard NCP car park, comes under the T&C's for 'List of Car Park T&C's) Paid the correct tariff via Apple Pay (covers 2–3 hours,…
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Insert a link in a document
I have a document and I would like various words in that document to link to another document. Is that possible in Microsoft word? Eg please see here for further information. The see would be underlined and it will take you to another document
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Best Airline Credit Card for a newbie.
Hi all, I am looking to go and visit family over in Australia towards the end of next year. Obviously the price of flights are quite high. I am looking into the idea of applying for an Airline Credit card, use the points earnt on daily spending to help contribute towards the cost of the flights. It is my wife and daughter…
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Defence Letter_Please advise
Hi, thanks for help in advance. @Coupon-mad and others I am at the stage of building my defence after completing acknowledgement of service via MCOL. Here is the POC… Correct me if I'm wrong. I understand I'm to use paragraph 3 from the CEL v Chan due to no mention of breach, and then everything else from the main thread.…
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Whatsthecost
I have used whatsthecost.com" for snowballing credit card debts, however I am getting a "service unavailable HTTP 305 this service is unavailable" Looking for an alternative which is as easy to use. Looked at lemonfool but I can't seem to figure it out. 😕
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Spent 30 years in double glazing. Here's what really happens when a salesman visits your home
So, I've been lurking on here for a while and decided it's time to actually be useful. I spent close to 30 years in the home improvement industry — double glazing, windows, doors, conservatories the lot. Trained salespeople, managed teams, sat in on more kitchen table appointments than I care to remember. I'm not in it…
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20% discount for Nottingham Video Games Expo
Just booked my tickets for the Nottingham Video Games Expo, and managed to snag 20% off with the code INDIECENT. Tickets aren't too pricey anyway, but every little helps. And works on VIP tickets too so I'll be getting in an hour early to snap up some gaming bargains.
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MSE Forum Poll: How often do you check your bank balance?
Knowing how much is in your coffers can help you stay on top of your finances. But how frequently do you take a peek? Are you a routine checker? Do you only look before/after a big purchase? Just before/after payday? Vote in the poll then share your thoughts in the thread.
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Estate agent problem with EPA
Hi I have an Enduring Power of Attorney for my very elderly mother. This was drawn up in 1998. I have used it to open bank accounts and sign care home contracts. We now have to sell her cottage to pay the home fees and pay back my brother and myself for fees already paid. We put her home in the hands of a local Chancellors…
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Working for council, using own car.
I work full-time for a council where I have to provide a car, which I use everyday for transporting people. I work full-time. I do get a petrol/car allowance, 45p for the first 10,000 miles and then 25p thereafter. I usually do around 12,500 mile per year for work. My query is, when my car is due for a service, MOT, tyres…
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Inheritance House Question
hi, I am looking at the best way to maximise inheritance for my family. I own a house approx value 600k and my daughter and her family have lived in it 8 years rent free the house is in my name. My husband passed away 3 years ago and everything was joint account's he had one account with approx. 50k. My question is would I…
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What age to move from investments to cash savings
My understanding is that investments in stocks and shares are for the long term due to short term ups and downs but over time will give a better return. Whereas savings have a lower return but you can't loose your money. At what age does long term investments become less prudent in relation to life expectancy and the need…