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Amending Tax return/ Marriage Allowance
I too have been asked to complete a tax return for 24/25. I have completed it and sent it yesterday. I paid the amount asked for straightaway. Guess what today, I have found another £35 interest which was paid on an old account, so I need to amend the return. Right now, because it is less than 72 hours since completion it…
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Teetering on the brink
Where to start! My life has not been without challenges and I have had times where I’ve had a lot of debt, and times where I have had none. I always felt proud to say I have never missed a payment and always managed to get out of a sticky situation myself no matter what. But this time, I am not convinced I will find a way,…
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Car insurance cancellation costs
Hi everyone and thanks for letting me join. My wife took a new car insurance policy with Onecall insurance through Money Supermarket 4 weeks ago as it was the most competitive quote. Unfortunately her car blew up and she had to buy a new one. She asked them for a quote on her new car and all looked ok but then we noticed…
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Spar Unwanted vouchers / voucher requests
If you have won a spot prize on the Spar Spin To Win competition, https://forums.moneysavingexpert.com/discussion/6491301/e-01-01-win-10-000-spar-spin-to-win-daily-prizes#latest, which you do not want please feel free to post the voucher here including what the voucher is for.
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Turning Straw into Gold: Creating Long Term Security & A Solid Home
Hello, I am joining you on the debt free journey, for a couple
of loans that are giving me anxiety and also my mortgage. I have been reading
these diaries for inspiration and it’s time to start my own. I hope to get to
know many of you as time goes on. I moved into my home last April and I have some
loan repayments that…
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Home insurance getting cancelled
I have been with Sainsburys for buildings insurance for many years, but I had a letter yesterday saying they are not renewing it this July because they aren't offering home insurance any longer. The letter said that Lloyds bank might offer me home insurance, but the uncertainty about this is stressing me out. I had to…
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Dilemma, Dilemma, Dilemma
Hello, I've been on MSE for many moons, gone through debt repayment and many challenges but this one feels the absolute worst. I'm kind pre 'mortgage free wannabe' but also needing the comfort blanket of a good ole MSE diary. So current situation, co-parenting with Ex H. We both have partners and everything is friendly. We…
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EES (Entry/Exit System) for most EU countries
EES is due to be implemented in the not too distant future, official start date Sunday 12th October.If/when anybody has experienced the biometric data recording procedures on or after that date it would be appreciated if it could be shared hereabouts.It applies to all EU member countries except Ireland and Cyprus, plus…
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Save £12k in 2026 challenge (or any other amount to challenge yourself!)
Here are the details below of the savings challenge @enthusiasticsaver and I have been running this year and will continue to run next year. This is the new Challenge thread for savers in 2026. The aim is to get more people saving throughout the year and this thread gives a space for people to record and track their…
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SSEN Connections
A few years ago I requested my electric meter be moved. I lived in a farmhouse and the meter was in a barn belonging to someone else. I was initially told because I paid the bill for both meters it was my supply and moving the supply cable at a cost of 500 pounds. Paid it, then was told that I would have to install a…
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UPVC window handle stuck
The handle on one of the UPVC windows in my house will only turn about 45 degrees, as a result of which I can't open the window. Applying pressure to different parts of the window, it seems the lock on the left corner is disengaged but the locks on the right and in the centre won't budge. I've tried replacing the handle…
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SCS furniture
seriously need help from someone that knows … We purchased a 3 seater and 2 seater suite from SCS instore in December 2025, it was delivered to us on 25th March 2026, Wednesday just gone. then the problems started. On delivery day, the delivery man noticed that the power headrest on 1 seat was not working, he undid some…
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3 Royal mail parcels lost in a week
Never had a problem until recently but now 3 royal mail 2nd class large letter jiffy bags have gone missing, this is in the space of a week. The tracking number shows them dispatched and then just in the system now for around 3 weeks. I have put in a claim for the first one after the person who ordered it contacted me and…
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Santa Baby - it's the 2026 Christmas Chatter Thread!!
Hello
and welcome to the 2026 Christmas chatter thread! I have taken up the mantle
this year to start the thread in replace of long-time poster @princesskitty29
who has been busy of late xx If
you're new to the thread please pop in for a chat, pull up a chair by the fire
and get yourself a hot chocolate - we all love…
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Clubcard Challenges
Anyone else doing these? Currently I qualify for 600 points or £6 in vouchers. If I spend £44 on certain items in the next two weeks, this increases to 2950 points or £29.50 in vouchers. As I have two easyJet holidays to pay for this means I get £59 off. I'm sure I could get even more. I haven't actually bought anything I…
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Sealed Pot Challenge ~ 19
PLEASE READ THROUGH THE RULES AND THE CHANGES FROM NOW ON! A very warm welcome to another Sealed Pot Challenge, our 19th! Due to the Cost Of Living, I suggest we all save in the best way possible for each of us: if some still prefer to stick to cash, then please do so. Those wishing to use debit cards, or save via the bank…
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Land missing from title-future lending problems?
We are buying a property, using a bridging loan, as its being sold under auction conditions. The property has two separate title deeds and the current owners have lived there since the 50’s. They bought the second title in the 70’s (im mentioning this as its before it all went digital) which is ajoining and used as a…
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Buy to Let or Stocks & Shares ISA in 2024
Just after some general advice in 2024 as to whether people would lean towards a BTL or Stocks and Shares ISA to try and grow thier savings pot? My partner and I have around 30k in a basic savings account and want to try and accelerate this over the next 3-5 years. Thanks
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Land Transaction Tax (second property)
Hi, I have a slightly more complicated situation and hope someone may have some insight as I can't find the answers online. I currently own a property with a family member that we lived in for 3 years after buying the property. I then purchased my family home and paid stamp duty land tax on the new property. The family…
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Thames Water delaying installing water meters for small flats
I live in a family house and Thames Water wanted to switch us to a meter over 2 years ago. The process was quick and communications straightforward. Two miles away, my daughter lives in a 1 bed flat, and has never been approached about fitting a meter. Last August she applied to have one fitted. The surveyors came out a…
