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Vape smoking?
So, Just started using a vape after smoking for nearly 10-11 years, long time, around 15 per day £80-100 per week spent on smoking, just want to give it in. The problem I have is that my friends have been on vapes for 5 years + I do not want to end up like this, I am currently on 6mg of nicotine and will push my self per…
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Civil Enforcement Ltd parking fine massive reduction in late stages of claim?!?
Hi forum I'll try to summarise quickly of where I am with it. I got a ticket in autumn 2023 for parking at a sports facility car park without a ticket, as when I tried on the app there was no mobile signal. Spoke to staff working there and they said it was a common issue (there is also evidence on the internet of other…
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PCN
Hello, I received a PCN for parking back in July for ‘failing to pay’. I did in fact pay for my parking but I put the wrong registration number on the app so my car flagged up for non payment. The day this happened I was in A&E for 16 hours the night before and I hadn’t slept for 36 hours as my 1 year old was being treated…
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Another MET Standsted NTK
Hi I received the NTK
below. My husband was driving my car and stopped to get a coffee. The area by McDonalds was very busy so he parked by Starbucks which was
closed. He was in the car park for 19 minutes. Unfortunately he paid for his
coffee with coins from the car and no longer has the receipt. Like many others, he…
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Complaint-worthy? Overdraft vs. Credit Card
Am I right to feel miffed by Barclays that I am considered ineligible for a £500 interest free overdraft with my Barclays Premier account, and yet in the same month receive from them a proactive offer to increase the credit limit on my Barclaycard from 3.5k to 5.5k? Seems nonsensical to me that I am denied a fee free…
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PCN - Smart Parking - keep receivng the same reply
Hi all, I’m hoping someone can help. I received a PCN from Smart Parking stating that I didn’t pay enough for my stay. I appealed and provided proof of my £2.50 payment (bank transaction) along with a photo of the parking fees. They’ve since rejected my appeal, claiming I stayed for 168 minutes but only paid for 120 — even…
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Learning to walk before I run
Hello all! :) I am returning to the forum in an attempt to gain your collective wisdom in sorting out our dire finances. I've been experiencing a series of mini lightbulb moments of late and have realised that it's time for a change. Despite being vaguely savvy as regards areas of personal finance such as pensions, I have…
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CPM (UK Carpark Manangement) - Arcade Carpark, Hitchin. - Appeal draft advice...
Good Morning, been a while since I've posted - but I still read this forum most weeks and help out where I can. I'm just after a bit of advice for an appeal I've drafter on her behalf. She parked in Arcade Carpark Hitchin, genuinely believing it was Free after 6pm. Apparently that is a common problem from what I've seen on…
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Home Responsibility Protection
My wife is 76 so receiving the lower state pension. Reading Martins advice regarding HRP we went online to see her National Insurance record to find that years 1975 to 1990 show as “year is not full.” Our son was born in March 1975 but our records regarding Child Benefit have been mislaid probably during house moves. We…
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DCB Legal / Secure Parking Solutions Money Claim - help with Defence
Hi guys. I know i have left this very last minute but i have had a lot going on, to the point where i was thinking to give in with this! I was parked at a location where I didn't notice any of the poor signage. There were also plenty of other places to park on the main road within a few metres away (it was during the…
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The Second Purse Thread
Hello everyone, I’ve been thinking of reviving the Second Purse Challenge
for a while and a post by @Frugalistamama spurred me on. For those who don’t know about this way of grocery budgeting,
I’ve linked the original posting by @Mothership below. I intend to set aside £30 of my monthly food budget to look
for bargains to…
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Baffled when doing my Self-Assessment
This is my second time doing my Self Assessment online. Last year, I was just starting and I made 2706 GBP of profit after deducting expenses. Hence no tax was due to be paid. I am Self Employed. This year, it came out as 8429 GBP. After continuing, the system tells me that 179 GBP is due to be paid as tax for Class 2…
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PCNs from CPM for parking in my own space & Letter from BW Legal
Hi all, Long-time reader, first-time poster! I'm not (at this point) looking for any advice (i've read the NEWBIES threads, and have found several other threads relevant to my situation that have been VERY useful) but I figured i'd start a thread to document my situation and the steps i'm taking so that it might help…
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The Little Cottage by the Sea
Hello my loves, I've wandered these threads for a few years and old versions of myself have had different user names and different diaries. I feel like this is a new chapter. One where I'm content and capable and I hope to bring you along for the story. The diary title is me manifesting the dream. I have come a long way,…
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Perfume Click Quality and refund issue
Hi, I bought Byredo Super Cedar c-30% (£169) I think I've been sold a dud, it's in investigation, but I want to know how far I should delve into this (I get carried away and fixated easily). So fair warning, this will be a messy rant but just want to heads up on my concerns and advice on my next steps please. I suspected…
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The Save £12k in 2025 challenge
I give details below of the savings challenge I have been running this year and will continue to run next year with the help of @Suffolk_lass This is the new Challenge thread for savers in 2025. The aim is to get more people saving throughout the year and this thread gives a space for people to record their progress. The…
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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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Clearpay/Credit card company
Good morning, I ordered an expensive watch (expensive for me anyway) The company says I would receive within 4 days and any delays they would keep me informed. Well, it's been over 2 weeks now and no communication. They have not responded to emails I've sent. I bought the item using Clearpay (this in turn gets paid off by…
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Reclaiming Tax on Pension Withdrawal
Hello I have already made some withdrawals from my small private pension and used up all the 25% tax free amount. When I make another small withdrawal only £300 will Standard LIfe my provider take tax at source so that I only receive 80% of the amount requested? I should not be paying any tax and therefore which HMRC form…
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Where / How to find out Tax Year State Pension payments?
I am trying to find the total (gross) state pension payments I received for year 2024_25 and what tax was deducted. This seems difficult to locate. I can see a summary for my company pension but not the state one. Where or how do I get this info online or do I have to contact the DWP / HMRC or whoever? Thanks.