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A whole new world, for now
So, here’s the new thread I’ve been promising myself for a few months. My old one, that served me so well, is https://forums.moneysavingexpert.com/discussion/4855808 A potted history of me. I’m 49, live in NI with OH, DD and dog and DS is London based. Have been in debt for a lot of my life and came here post personal debt…
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Over flowing toilet
My relative toilet overflows after flushing, for a few minutes. I took the top off and looked inside. The black plastic part that goes down when flushed but then gradually returns to the top, is leaning and sticking a little on the side. What is meant to keep this part upright
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Judgement in Horizon Parking case
First, thank you to all the people who must put a ton of hours into helping people in this forum for not much return. I never started a new thread on my case because I was embarrassed that I had adopted an IGNORE policy based on my own understanding. The matter did proceed through MCOL and at that stage I lurked in here to…
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Stocks and Shares ISA to Cash ISA Transfer
I have about 5k in cash in my stocks and shares ISA I would like to transfer to a cash ISA and retain the tax break. I also have stocks and shares in the same ISA. Can you go to a new provider of a cash ISA and request the cash only to be transferred into the account? Thanks.
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Lubricating 5 lever mortice lock
I gave two 5 lever mortice locks which are difficult to turn. One is stuck in the locked position and I can't open the door. The other is unlocked but not in used as I'm concerned I might get locked in or out. Both are second external doors on porches with a another door I can lock. What is the best lubricant to use…
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16 year old's inheritance monies
I'm hoping someone can offer some advice. My 16 year old has been left monies (approx 30k) from my late mother's inheritance. As they are a minor I have opened a Children's Trust Saver account with Skipton for them. Do I have to register this account with HMRC or would it be excluded? Could I deposit 9k of the monies into…
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Bricks Not Books
The first day of a New Year seems like the best time to start this diary! I was on this board under another name for a number of years, but I felt like a change of name as well as a change of diary, so here I am! Completed on new home with OH in December, we haven't even owned it for a month yet. But we have a mortgage of…
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Received a SJPN today out of nowhere and unsure of how to proceed.
So yes, I came back from work today to a large white letter from the Fixed Pentalty Unit stating I was speeding in a 30mph area from back in June of this year. I'm not necessarily disputing I was speeding as I may have done, I don't know, because this is the first I've heard of it. However, Northumbria Police state they've…
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Experiences of Moving from BT to EE
I am with BT broadband and received an email offering me a faster speed for a slightly cheaper price than my current deal. I phoned up and they told me that they had an EE deal that was even cheaper. This was on Friday and the new router arrived over the weekend. I haven’t yet unboxed it. i have since looked online and…
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Where to buy physical Gold/Silver Bullion at Market price?
Hi, Looking to buy from a reputable place/website, preferably at market price or cheapest prices not asking price and do I have to pay VAT? Discount available for bulk purchases? Also which website abroad is reputable if abroad is cheaper and what taxes am I liable for importing? Basically looking to buy at the cheapest…
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December 2025 Grocery Challenge
Welcome to the twelfth Grocery Challenge of 2025! ❄️⛄️🎁 As always this challenge is to reduce your own grocery budget to levels that you will be pleased with, not forgetting that we always recommend that you stay inside your own comfort levels and take things gently one step at a time. Remember that this is not a…
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WARNING and help?: Debenhams and daylight robbery /misselling protection
I was shopping at Debenhams online and upon checkout a delivery protection fee of £15.99 was added to my order. I did not realise this until I had checked out and paid, despite carefully reviewing my order before placing it. It must have been a ticked box somewhere, Debenhams describes this charge as optional, but I never…
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My right of reply and misuse of data.
Hi Everyone I live in a development of 52 leasehold homes. We each share 1/52 of the landlord company (Ltd). There is only 1 director currently and the legal secretary/managing agent resigned on the 16th after a huge falling out with about 10 of the people who lived here, including me. At no point did I ever write or say…
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Quooker - how important/effective is a Scale Control Filter?
We're planning to buy a Quooker 3XCHR boiling water tap as part of a new kitchen. The supplier is asking whether we want to add a QSC Scale Control Filter to it, to control the build-up of limescale. Does anyone know how important/effective these filters are? They cost about £250. We live in a hard water area - West London…
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Another Deprivation Of Assets question!
I am currently on contributions based new style ESA. Currently I am over £16K in capital savings, but I am forward planning for when my contributions based new style ESA terminates after 12 months. And considering if there are legitimate routes to reducing my capital (eg debt repayment, pensions). Can I: a) contribute to a…
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Advice on fund
Can I get some advice on this please how does it compare to short term money markets & funds like VLS80 in terms of risk and returns outlook . Does investing large one off amount in it now pose any additional risks INVESCO BOND INCOME PLUS LIMITED (BIPS)
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Plodding Along
I've been on here for a good few months now so it's about time I start my own diary. I have been in debt since I was 18 when I got my first credit card and I'm 41 and a half now. The debt has fluctuated over the years with the highest being around the £20k mark, but my head was firmly buried in the sand then. I started to…
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My nVIDIA graphics card has no sound over HDMI
Hello everyone, I've already posted a topic on the nVIDIA Community (https://www.nvidia.com/en-us/geforce/forums/geforce-graphics-cards/5/580198/newly-installed-geforce-gt710-has-no-audio-on-hdmi/) and raised a ticket with MSI about this, but I thought I'd ask here as well as I'm sure someone may know the answer. Our PC…
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The Case of the Overwhelming Mortgage
I’ve lurked for a long time. I have no-one in real life I can discuss these issues with and thought it might be helpful to get it out of my head and on to paper. I am mid 40s, married, with two pre-teen children. We moved in 2017, with a 20 year mortgage of £140,000 and interest of £10 per day. We now have a mortgage of…
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The Piano Diary
Good morning diary and all, I recently became debt free after 31 months of debtbusting over on Debt Free Wannabe, following the advice and diaries on this site. Here is my previous diary My debt free diary I have found keeping a diary really helpful in staying focused and also therapeutic being able to think things through…
