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Cash gift card
Thinking of gettting a gift voucher card for a new mum, instead of baby gifts. Where is the best place to get a cash gift card and how does it work? I want to avoid those cards limited to retailers.
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CEL and Mediation Comedy Win
Firstly I followed all the great advice and steps to get me to this point and I'm calling this one a win, if not the most oddest win for me to date. I had the mediation appointment this morning and as per the guidance I offered a token amount to settle out of court. As I was in a KFC when I overstayed my welcome by 6…
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State pension but i pay tax
The chancellor stated nobody would pay tax on a state pension if its there only income.I only get a state pension and its my only source of income,but because I paid into NIC for 52 years (D.O.B 17.08.1952) entitling me to a pension of £1199.per 4 weeks I have a tax bill for £467 for year 24/25 which has to be paid by Jan…
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Defence of court claim with Minster Baywatch / Gladstones
We have received a court claim for one of our company cars. The issue date on the claim form was 10/11/2025. I submitted the AoS 24/11/2025. I've read through the forum advice (several times), but I'm still not confident on my defence. I've copied and pasted what I think is the correct defence template and included para 3…
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I'm paying how much interest a year??!!
Starting this to keep myself honest and on track. This is the year, well the first one of a few. I've always had the annual mortgage statement come in and put it away, little to no attention paid to it but not this time. If this was a credit card with this much interest per month I would be putting every spare penny…
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Private Parking Company entering a County Court Judgement
I have received a letter stating someone has entered a judgement against myself regarding Parking at Fantasy Island , Ingoldmells Skegness. The date of the incident was over 3 years ago. On arrival at the park we were directed where to pay by a parking attendant and paid at the machine for a full day. I sent proof of…
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Discovery+ Cancellation issue!
At the beginning of November (1st) this year, I took out a monthly payment with Discovery + in order to access the TNT sports option, costing £25.49 a month. However, after viewing it over that evening I was disappointed to see I was paying a premium price for loads of adverts too! So I cancelled the subscription on the…
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Balancing the Radiators
Hi All Sorry about the recent new topics. Sorry if it feels like I am spamming but I am not... I am just in dilemma with lots of uncertainties. Anybody here has detailed knowledge on central heating and balancing of radiators? The radiators have been bleeded and there is cold patched what so ever. The aim of it is to…
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Length of time for probate for death of a foreign domicile
Hi, Does anyone have any recent experience of timings for probate when the person who died was domiciled abroad? (France in my case). Just wondering really what sort of timeframe others have had so it might give me an idea. I reached my 12 weeks just recently and called them. They have the file but all foreign domocile…
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Good and Bad Buys at Lidl and Aldi stores (***Please don't expire***)
This is the new Lidl and Aldi buying thread. Please report any good/bad deals, good/bad offers and good/bad products. The old thread can be found here https://forums.moneysavingexpert.com/discussion/5960153/good-and-bad-buying-at-lidl-and-aldi-please-dont-expire#latest
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Katkatmachine’s Adventures to Mortgage Freedom and Life Updates
Hi everyone, I’m a new MFW, we completed last 20th November 2020 on our new build forever home. Just to share, our 2nd (and last) mortgage extension was supposed to end 21st November but we managed to complete just in the nick of time. Hehehe. :smiley: 85% LTV 10% HTB 5% Deposit 23 year term Our goal is to pay our HTB…
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Swagbucks Codes Thread 2025 - CODES ONLY PLEASE
This thread is only for Swag Codes, any chat etc should be on the Swagbucks discussion/chat thread If you had the old codes thread bookmarked you will need to bookmark this one The chat/discussion thread for 2025 https://forums.moneysavingexpert.com/discussion/6577620/swagbucks-2025#latest
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Cheery's path to fulfilment - finishing the DIY, looking after myself, appreciating the garden 🌻
Hi all 😊 I'm Cheery 😊 By name and (usually 🙄) by nature. I've been around here for many years, taking in all the excellent wisdom and trying to use as much of it as possible 😊 We are two, Mr Cheery and I. We have been together for over 18 years 😮 We moved to the countryside six years ago, gained a large mortgage, and a…
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Parkingeye - neither keeper nor driver, mail assault
Hello Apparently a car I own was parked up on the 21.08.25 and some T&Cs were broken. Supposedly 4 letters were sent to address no1 with no response. They then went to Experian and found my detalls and decided I was now the keeper/driver of the naughty vehicle. I sent a appeal over on the 01/11/25 after receiving two…
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Holiday pay
I work for a small business and work 20 hours a week term time only. Each month I get asked for my hours for that calendar month and paid for those but when I asked about my holiday pay I was asked to look for one of those online calculators to figure it out. I’m worried I miscalculate it and leave myself short or (equally…
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Z's MFW journey
As I've been watching the MFW forum for a while, I thought it would be good to start my own thread.We bought our current house in summer 2022 and owe £126,000 on the mortgage. Hoping to pay this off before 2028 as we'll be 40 then. We're on a 2 year fixed deal until Sept 2024 at 2.64% on a 30 year term. Obviously a bit of…
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O/S WOMBLING, Road Coinage, Skips, Roadside 'finds' etc
Okay Confess.......... Who has benefited from people having clear outs. I will begin with my 'finds'.......... A perfect lamp A wooden stool about a foot high. Perfect for me as I am challenged height wise. 2 Flower pots A plastic shopping basket. Great for carrying multiple items up the stairs. A metal shoe rack. All…
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Have I misunderstood the 'marriage tax allowance'?
As above When I was completing our online tax returns last night, I looked into the above. My question. In England, for most people the annual personal tax allowance atm is 12570. Therefore I assumed, when married, both people would get 12570 x 2 = 25140. If the above scdnario was applied and one of the couple gave 10% of…
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children's bank account no access before 18
Hello I am an executor of will and have 1k I need to give to a child. I don't really want to setup a bare trust as costs are rather high, but the child should not be able to access it until 18, which is an issue. This is all fun and games, the other executor and parent of child has been promising for a year to get me…
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I have 2 Double Dipping PCN's, Im Also Vulnerable Person, Can Any Organisation Help
Good Afternoon Guys I have 2 double dipping PCN's, The first is with Debt Recovery Plus originally a Euro Car Parks PCN, for spending 17 hours in a standard Motor Fuel Group petrol station 1 mile from my home. The second is at the CLAIM FORM stage, raised by DCB legal and originally a CP Plus PCN. I got this at Manchester…
