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Financing a car purchase
This has probably been asked a million times before but I would like to hear some opinions on this. I had to have my 12 year old Astra written off and the insurance gave me around £2k for it's value. I'm looking to buy a family car (nice size) that is around 4-5 years old. Firstly, any recommendations? Secondly, what is…
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Pay off mortgage and start having even more fun 😁
Finally after twelve years of part one of this diary it’s time for part two 😆 Heres part one, slightly lengthy now to say the least! https://forums.moneysavingexpert.com/discussion/2408201/pay-off-mortgage-and-start-having-fun/p1 So condensing 12 years into a few sentences…. I joined the mfw board in April 2010, with a…
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14 months to go!
As moneysavers go, I've never been in the depths of being in debt. I'm more of a 'there's always something' at some point in the month that happens, that messes my beloved budget up and I predictably feel down on myself for either not being prepared or not foreseeing something that I should! I live on my own (apart from my…
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Trust Pilot - can they be trusted?
There is a famous Latin quote: "Quis custodiet ipsos custodes?" - which translates as "Who is guarding the guards themselves?"Or to put in this particular context - who is reviewing the reviewers?Most of the posts in this forum about TrustPilot seem to raise questions about whether TrustPilot is pressured or influenced by…
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Hideout
Thread for Hideout.tv, which pays for watching videos/ads. Promo code: STABLEREWARDS for 50 points. Valid until Sat 27th Apr, 11:59pm CST.
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Renewables: "talking 'bout my generation"
Please forgive the corny thread title inspired by The Who but this post on the bloated 'how do I make the most of it' thread prompted me to initiate a new one... Well, there was yet another misty and bleak start in North Notts today (Thursday), but my SSW 3.92 kWp system was generating around 3kW for just a few minutes…
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All change for 2025
I thought I'd start a new diary to have a fresh start. After almost 21 years in my job, I've recently been placed at risk of redundancy. I'll find out for sure in the new year. If I manage to successfully challenge the redundancy, things will be very different at that employer next year, and if I do go, there will be a…
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Find the SecondStar and soar, and then straight on till the morning…
This feels like an appropriate time for a finance thread. Story time: My ex partner and I broke up 2 weeks ago. We had been together for 4.5 years, we bought a house together as joint tenants 2 years ago, and had been combining incomes and savings for 2 years. We have separated our savings, and he is exploring options to…
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Surveyor has found damp in a house that I have put an offer on
Looking for advice please.Should i ask sellors to reduce price,or would it be advisable to wslk away from this purchase
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Buy new ceramic hob or fix old one?
Hi. We have a Neff ceramic hob, one of the rings went a while ago. Another went tonight, and I have no idea what is needed to fix it. Having searched online it seems to involve getting a technician in to see if something has blown underneath it. The alternative is to buy a new one, which comes with the installation cost of…
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Charles Stanley Direct
Thinking of taking advantage of the Charles Stanley Direct Cashback offer and transferring my SIPP from Interactive investor across to them. SIPP is c100k. Has anyone used them and are they safe and an ok provider to use? Fees are higher that II but the cashback offsets that for 12 months, even allowing for the transfer…
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Parental home proceeds to children via surviving parent
Mother sold the parental home on step fathers death (below IHT threshold) and shared part proceeds with children (30K each) just under 3 years before her recent demise. Whilst I believe such proceeds direct on death of one parent may be Nil Rate, this was indirect? and may be seen as PETS (potentially Exempt Transfers)…
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how much to leave in an account, just in case in the future they have deals for customers
I have £1000 in Skipton, as someone said they might be due to have an interesting account for customers in the near future. But I'd rather leave less! Would £100 serve as a placeholder? £50?
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Parking Eye yet another Defence for County Claim
Firstly, let me express my gratitude for what your guys are doing for legally educating people, constantly updating and refining template, and making the country better. Especially @Coupon-mad and @KeithP. I am at court claim stage (dated 3-Mar, AoS filed 11-Mar) As per NEWBIE2 post I am using the latest defense template…
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Tax on overseas pension
I’m about to start taking a db pension I earned while working for the States of Guernsey many years ago. HMRC regard this as an overseas pension and both the annual income and the compulsory lump sum will be taxable. I also still work part time in England on PAYE. How will HMRC gather the tax from my pension? Will they…
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N1SDT from DCB Legal
I received a PCN from Smart Parking back in March 2023. At the time I appealed on the basis that the Date of Contravention was 3rd March 2023 and the Issue date of the PCN was 20th March 2023, so 17 days later. From that time there was a catalogue of mistakes.... I received an acknowledgement of my appeal but no decision.…
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Received PCN from First Parking – POPLA Rejected – Now DCBL Letter for £150
Hi all, Looking for advice on my situation as I’ve read the newbie guide but want to make sure I’m on the right track. I've only just come across this wonderful website. Timeline of events - October 2024: Parked at my university’s car park (managed by First Parking). Tried multiple times to pay via the JustPark app, but it…
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Britannia POFA NTK after paying before end of parking
Hello! First time writer but we have spent hours on this forum looking at various responses and are very impressed at the sheer volume of help some of you have been putting out for strangers like us. Thanks in advance. TL;DR: blue text, or blue text with something added? Situation: received a POFA-compliant NTK from…
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DCB Legal/MET Parking claim received
Hi guys/girls, My friend has received claim form Issue date 05/08/2025 (attached here) We have filed AoS using MCOL on 14/08/2025. She is registered keeper (driver wasn't reported yet) I was the driver. We need help with this case if possible.... Thank you very much
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Parking charge notice from CPM
I'm a food delivery driver and I parked in a private parking area that requires a permit. They come round quite frequently to check but after several conversations with a few different parking officers, they allow delivery drivers 5-10 mins as long as we are parked in a bay as they understand our difficulty. Obviously this…
