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The Diary Of Onebrokelady Aged 60 And A Half
New Year new diary 😀 erm that's all I've got to say 😂😂
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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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Time to say farewell
My life has taken a new path. My Mother’s health has deteriorated to a point where I need to be her full-time carer. My competition hobby unfortunately has to come to an end. After 16 years of being on here I am saying farewell. I will be unable to post any further competitions so if anyone wants to step up and take them…
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Child Benefits and college course not starting until next year
My autistic son who is 17 dropped out of his college course due to his difficulties. In this situation all benefits such as CB and UC child element were stopped. Luckily he gets PIP but that also meant his UC disabled child element was also stopped. I'm hoping that my son might be able to do a special needs course at…
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Should I accept gift to pay off CC before mortgage application?
Hi! My partner and I are going to start the process of buying our first home together in the new year. My partner/his parents are providing 80% of the deposit amount. I will be providing 20% from my savings. I have a credit card debt of just over 2k on 0% interest. My mum has very kindly agreed to give me the money to pay…
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Car finance cooling off period
Hi all, I took car (PCP) finance through a broker, the garage on day of collection said car faulty electrics and unable to release car as couldn't solve issue and said best look for something else, so I informed my broker and finance provider which is now 12 days ago I wish to cancel during 14 day cooling of period, they…
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Payment a Day - Chapter 2025
Small Payments. BIG Impact. Making a small (or large) Payment a Day (PAD) - or whenever your budget allows - towards debts or savings all adds up really quickly! And can change your financial future... Hey everyone, Welcome to the Payment A Day - Chapter 2025 challenge! (this will start from 1 January 2025) We've decided…
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DCB LEGAL RECORD OF PRIVATE PARKING COURT CLAIM DISCONTINUATIONS
A UKPC/DCB Legal pattern is now emerging, the same as the Highview/CP Plus/GroupNexus/DCB Legal pattern that has evidenced itself over the past few weeks. * Court claim issued * Defence completed * Hearing date given * Witness Statement deadline dictated by the court * Phone call from DCB Legal to defendant * Email 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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DCB Legal Letter of Claim - parking outside the lines
Hello wise MSE parking gurus I've just a Letter of Claim from DCB legal (via UKPC) for a PCN received in May. Its for parking outside the lines in a rental van outside a DIY store. I feel I can contest the fact that the van was too long to be parked inside the space however I'd done it, and no larger spaces were provided -…
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Stanstead Drop Off PCN after the late payment
I have received PCN for not paying drop off charge. I did explain them that there was an accident on the way back from Stanstead and I was late for another appointment therefore I forgot to pay. I did give them the driver's name and have paid for the previous day instead (even though I have not used their service on that…
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Moneda Capital Warning
There have been a few threads in the past about Moneda Capital that seem to have disappeared . The bank they claimed to be working with has confirmed that they have no contractual relationship with them but interestingly Moneda Capital has now amended their advertising. Although they are still targeting social media…
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Tax code - drawdown across separate pots - unforeseen consequences of higher/imbalanced income
I am reviewing my drawdown approaching 4 years into my plan. So very short timeframe in investment terms. A normal rebalancing, income setting activity. I ALSO wish to reduce the depletion rate of assets/savings outside pension with a view to using some of that differently family need and side eye to the revised 2027…
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Another opos victim
i have read throught the topics and judge i need to send a prove it letter but here is my take on the situation. i receivedf by 2 different emails address the same email with the same "account and pin". (not i receive text in plain format not html and spotted their tracker) from some femal name. i created an email account…
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"Santander £100 Amazon voucher without switching" crashing
Anyone tried this "Santander £100 Amazon voucher without switching" as shown on MSE webpage under switching? I have tried twice now applying for the Everyday account, following the correct link but right at the end when I click submit, I get an error reporting "Page Not Found". Very annoying...... Anyone else, got the same…
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Home Emergency Cover
What's everyone's experience of "Home Emergency" Cover ... One of the things often tacked on to a Home Insurance Policy to cover things like blocked drains, leaking pipes etc. Is it a rip off ? What's the forum's experience of actually using it ? I live in a semi-rural location and my oil fired central heating boiler…
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Let Thrift shopping thrive in 25!
A shiny new thread for the thrift shoppers amongst us - those who haunt car boots, FB marketplace, Vinted, Ebay, jumble sales & charity shops to score bargains galore!
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Moorcroft recovery for disputed O2 debt
I am carer for my adult son and today we received a letter from Moorcroft Debt Recovery about an outstanding O2 bill and I don't know who to contact. I was paying monthly by DD, but my son was not tied in to a contract. I switched him to giffgaff payg in Febuary because he very rarely uses his mobile. Myself and my other…
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Received first letter of claim…?
Hello, This is the third letter I’ve had for this ‘offence’ which I cannot recall 3 years ago. Not sure why this has taken over a week to be delivered. This letter says it’s a letter of claim but also states that I should ‘deal with this as a matter of urgency to avoid a claim being made’…. Which one is it!?
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PCN Single Yellow Line
Hello guys, I parked on a single yellow line at Tunnel Avenue which is at Greenwich, and I received a fine from Royal Greenwich Council, there used to be no yellow line there and I was rushing so I didn’t check before I left. As for the evidence they provided it was just photos of the car and no signage was provided. Is…
