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Everything changes
As my old lecturer at university said to me once when we were discussing the topic of my second year dissertation. Anyway I’m sitting here at the start of a long weekend, I owe about £2000 and I’m going to need to put food on my credit card to get to the end of the month. I think I will still end up forward at the end of…
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Mid-life musings
I've started this thread for me to try to gain a bit of clarity on what I am aiming for pension wise and whether we're heading in the right direction. I'm not sure my thread fully fits here as I / we really are working towards being mortgage free, financially independent, being prepared for retirement and hopefully pulling…
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CEL in-house Court Claim
Hi Everyone, I have received a money claim from Civil national business center. Particulars of Claim, Claim for money relating to a parking charge for breach of contract terms/conditions(TC) for parking in private car park (CP) managed by claimant. Drivers may only park pursuant to TCs of use displayed in CP and agreed…
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Unenforceable debt/settlement agreement reached
I need some advice please, struggling to find a straightforward answer! The short story is about an MBNA credit card debt that defaulted 6 years ago and will come off my credit file by the end of June. The debt was sold to Link and I have been making minimal payments the whole time. The remaining debt is just over £11k and…
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Santander Switching Swizz
I've been sat patiently waiting for the 90 days for my Santander Switch bonus to be paid into the account… only to discover I'm not getting one, because the Direct Debits on my account are eligible by their definition of "Household Direct Debits". Turns out they have a list of companies you have to hold Direct Debits with.…
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ECP-DCB parking charge claim
HI, hope someone can help. I have a historic claim from ecp & dcb relating to an alleged overstay at a retail park. They're after a stupid amount of money for what would have been a free parking space and it's so long ago that it's impossible now to gather evidence and therefore may be difficult to defend. However, from…
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Junior Investment ISA
I'm tempted to open a Junior Investment ISA for my 10 year old grandson. I am risk averse but would like to try and get the best return for him. What are your thoughts and the best way to go about it please?
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HIGHVIEW AND DCBL
We went to airport retail park coventry on 4 April. I realized we stayed 2 minutes over 3 hours just as we were leaving, we'd had lunch and shopping so I went back into the store currys and asked the manager who said if you get a fine bring it to store and we will cancel it. For 59 days I had no fine and had forgotten…
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Buyers is delaying / refusing to exchange
We have agreed the sale of our property (leasehold flat) and all outstanding items have been resolved. The buyer (cash buyer) is moving back from the States and is apparently 'desperate' to move yet she keeps delaying exchange and completion. She has recently had surgery in the states and has refused to complete until she…
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When to offer payment
Received this response to my complaint; “Zopa will no longer report the loan agreement to the Credit Reference Agencies, and we will remove the loan from your Credit File, this includes any previous negative impact including the default registered on 2026. Just to let you know, as there are multiple credit referencing…
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Persistent debts built up, 0% periods ending on cards mean its unaffordable - DMP
Good evening folks, I did post in the DMP thread but figured this is possibly worth having my own thread for, so here goes. This month is when I finally stepped back and took stock of my financial situation. Total unsecured debt is circa 70k across a couple of loans and numerous credit cards. I've been managing fine until…
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What to do with inheritance?
Hello everyone, I’m making this post on behalf of my sister. She’s had her share of the inheritance in premium bonds but now she is 18 she is allowed access to them. She is planning to take a gap year after completing her A levels this summer and then do a university course. What is the best thing to do with this money in…
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Reduction in Universal Credit due to rent increase
I moved to Universal Credit last year from ESA. I am in the LCWRA and (supposidly) receive transitional protection. However, my last payment went down to the tune of £60. So I am now getting £60 less a month in my bank. I have had no increase in the amount of out of work benefits that I receive. That has stayed the same as…
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Pension credit confusion 🤯
Im trying to help my mum, she's 69 and receives basic state pension and a small works pension her husband is 60 and still works but im unsure if she is eligible for the pension credit as she retired over 6 years ago due to ill help(she also gets pip) but shd applied for universal credit and it said she wasn't entitled to…
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LootUp.Me Codes 2025
I have searched but cannot find a thread for LootUp codes. The website is https://lootup.me/earn.php if anyone wants to join up Weekly free giveaway ~ https://lootup.me/giveaways.php If anyone needs them they can be posted here. This is today's one:- FROSTYGAINS are here to warm up your earnings! Redeem this code and claim…
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Oak Legal Services
https://oaklegalservices.co.uk/ This seems to be what ZZPS will be trading as will be interesting to see if we get any claims from them. I suspect the process wont change and we wont see many claims from them
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Virgin 0% Money Transfer
In May 2025 I took a 0% cash transfer offer on my Virgin Credit Card. We were moving house for the first time in 8 years and because of rents going up so much, the deposit we needed was almost double the deposit we were getting back from our previous rental. The total costs just to move was over £2,000 so we took a cash…
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Deed of Assignment - Reassure Bonds
Hi, We have been advised by my IFA to deal with my fathers Will Trust, of which my mother, sister and I are the Trustees and discretionary beneficiaries. The IFA has advised that we need to provide a Deed of Assigment to Reassure, who hold the bonds. There are two bonds in the Trust. My mother is the life assured but the…
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Tomato Energy (Electric Only Supplier) - Too Good To Be True ?
Looking at Tomato Energy for our electric only property. They are offering 12M FIXED Tariffs which are based on your chosen lifestyle - with Daily Standing Charge as low as 40.82p The tariff Im looking at gives me a Unit Rate of; 00:00 to 06:00 = 5.00p 06:00 to 09:30 = 23.16p 09:30 to 11:30 = 13.37p 11:30 to 22:00 = 23.16p…
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Where do II take fund trading fees from?
Little confused here. Or just blind. I have an II "Plus" subscription so it includes one free trade a month and additional fund trades should be £1.49 each. On Friday I placed 3x sell orders for funds in my ISA. All three have executed. What I'm not seeing is the fees being taken for the trades. If 1x sell order is covered…
