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Starting a DMP? Help please!
Hi all, So I’ve been on with step change who have recommended a DMP for my debts. Here’s a list if needed: NatWest loan - £4500 Aqua credit card - £2500 Zable credit card - £1000 Very catalogue £800 Monzo over draft - £400 < although this doesn’t cost me anything so I’m not sure I want to include it as a DMP? Now I’ve…
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Hodge Bank and/or Modulr Finance Ltd 04-29-05
MSE currently mentions Hodge Bank as a good home for Easy Access savings. But when opening an account the sort code specified is 04-29-05 Modulr Fs Ltd, which seems to be some e-Money outfit I've never heard of. Furthermore Modulr is NOT covered by the FS compensation scheme. Hodge is covered by FSCS, but exactly with whom…
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22 Foxhole East
I just made my first mortgage overpayment. We bought a 5 bed Victorian terraced house in the East Midlands in April 16 that has been badly neglected. It needs everything doing, it has been let out on a room by room basis and used as a rental machine. Now it is our family house (4 kids = one bedroom each!!). So far I have…
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UKCPM penalty charge
Im a amazon flex delivery driver, I briefly stopped to deliver a parcel on one portal way on the 26th July, just seen i have a penalty charge today. I called them and asked if loading/unloading is allowed and they said not on the double yellow lines, admittedly it does state that on the sign. Is there anything i can do…
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Increasing pension contributions v paying into stocks and shares ISA
Hi all. Would appreciate some advice for future investment strategy involving my pension given the tax relief benefits. In short, is there a tool I can use to compare the returns based on investing in tax free stocks and shares ISA v increasing pension contributions with 40% tax relief, 25% tax free drawdown aged 58 and…
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Thomas Cook change hotel
I booked a package holiday with Thomas Cook. The hotel has told me that they cannot longer accommodate me due to refurb work and that I’ll be offered an alternative by Thomas Cook. The flights depart in 2 days and, although Thomas Cook are aware of the situation, they haven’t offered an alternative hotel. I asked Thomas…
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Government Bonds V Annuity
Hi, I have been looking at Annuities a little more as I get closer to pulling the pin and retiring. Probably as I am relatively young (will be 58 by the time I retire) the annuity quotes I have been getting are ok but not great. So I thought I would look at an alternative angle. The Coupon on the longer term government…
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Buy To Let or give up
We were sadly 8 weeks down the process of selling/buying and our house sale fell through, buyers personal issue. Estate agents for the house we were purchasing have given us 2 weeks grace to get another buyer. Not been the easiest property to sell so this is highly doubtful. We are totally devastated. What other options…
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Small Claims Track hearing
Hello everyone, im wondering if anyone could help me this please. Last year in August 2024 I received a letter from DCBL stating I had received a CCJ for a parking fine that I was unaware of. After advice from this forum I filed a N244 application and went to court in January, which I then got the CCJ removed however the…
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Making DUCK CONFIT
I have made duck confit today. I used goose fat that I had in the freezer from a roast goose a while ago. Where could I get duck fat from that is affordable? It looks really good and I would like to make it again, but with the prices I have found it will cost more than the duck legs! One alternative would be to sous vide…
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Octopus Octoplus free summer energy sessions don't forget to sign up
If you haven't received an email pop to your octopus account on a Web browser and you should see a sign me up button there or on the octopus section. 1st session tomorrow
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Apple Watch and iPad - Where to buy
I’m looking to purchase a new Apple Watch and iPad. My old devices are broke or now too old to trade in for any credit. Ideally I’d like one of the newer iPads that use the USB-C connection. I don’t necessarily need the newest version of both but struggle to find the older ones on sale anywhere reputable. Any ideas where…
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A new scam
Well, I never thought I would be posting here about being caught in a scam. Last Thursday evening I got a call from my bank. They introduced themselves in the way they should and gave me the last four digits of my debit card. I then asked them to tell me the last four digits of the account, which they did. Happy, I went on…
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RE: Refused Holiday request - already booked
Hi thanks for looking. I recently booked a holiday for a week in August, my boss was unhappy but approved them (she was unhappy due to lack of cover in the dept - its never been an issue before, but she is fairly new). So I thought I was being helpful and amended the dates in August and changed the booking and paid for the…
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Parking Charge Notice to Hirer ( from CUP enforcement )
I recently received a Penalty Charge Notice (PCN) in the post for a hire car my wife and I were using after her vehicle was written off. The alleged contravention took place on 15/05/2025, but the notice itself is dated 24/07/2025—likely reissued on instruction from the hire company, Enterprise. The location in question is…
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YBS Transfer in
First time to use YBS, (Yorkshire Building Society) it seems their online website is struggling and keeps going into a loop and even though I have received an email to say I can transfer in (now), the it just goes into a loop and when I called their phone support, and explained the problem I get told: have you tried our…
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Claim form from CPS / Combined Parking Solutions
I am looking for some help as I have received what looks like a claim form for an parking fine from 2023 i ignored all letters and had a strange letter a few weeks ago offering me to pay the original charge for £100 and some forms to complete which I ignored thinking it was strange to hear 2years later it could be a scam i…
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Should itsthelittlethings spend less on coffee?
Hopefully this works as an all new diary for me. Will add my debt into my signature and keep track of how I do going along.
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Health Insurance for Visa to Croatia
My son is have a baby with his Croatian partner, and is applying for a visa to live out there. He tells me the visa requires proof of health insurance. Does anyone know where to get this type of insurance, would it be from a travel insurance provider or medical insurance provider, and are there sites anyone can recommend…
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Getting FIREd up 😀
After two years keeping calm and carrying on, now feels like the right time to move on and start getting FIREd up instead 😀 Summary of the last two years: Was working for a plc, decent money but putting in a lot of hours, very little support from the business and pretty fed up with always being sent out to do battle for…
