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ISA flexibility: withdrawing current tax-year subscriptions and replacing elsewhere
Is my understanding of new government legislation correct? I deposited £15k into a flexible ISA this tax year (bringing my allowance down to £5k) I withdrew £15k from this ISA this tax year (restoring my allowance to £20k) I can now deposit a total of £20k into ANY ISA of my choosing (not just the ISA I made the withdrawal…
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Anyone successfully using the Monument app on an iPad?
I would like to apply for a Monument cash ISA using my iPad Pro. It is at the latest iOS version. I use it to host all my other eBanking apps. I am aware that the app FAQs on the Monument website state "We do not recommend installing the Monument app on a tablet device." All goes smoothly in the setup until I reach the…
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Debt and Caring
An unprovoked attack on my ankle by a metal workout bench has me lying down with a foot up this evening. Which makes this the ideal time to start this diary. And possibly to declutter some exercise equipment... Yesterday I was £9993.61 in debt. Today I have made a £1500 payment to one of my credit cards taking me down to…
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Car Tyre Inflator Cordless?
I drive a VW Crafter van, so I am considering a cordless tyre inflator, as the wired ones don't reach the back wheels. Some look cheap and nasty, but are the batteries large enough for a commercial tyre, this is just for checking the pressures, not changing tyres.…
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O/S Daily Thursday April 09 2026
Good morning all.
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Barclays £200 switch offer for opening a Bank Account (10/03/2026 to 28/05/2026)
Barclays have launched a new switch offer for their Bank Account. Excludes anyone who has ever received a switching bonus from Barclays in the past or anyone who had any Barclays current account open on 10th March 2026. T&Cs. Offer now added to the switching archive for future reference.
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Aldermore bank to be sold
Aldermore are often mentioned on here as a savings provider ( and I have some money with them),but their owners are selling them due to problems in the motor finance area. Any savings are covered by FSCS £120K, but I was wondering what the implications might be for the future. If they are lending/financing less activities,…
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Childcare frequency impact on benefits
Hi, Unfortunately, I find myself in the unenviable position of a messy divorce. We have concluded the financial side of things and the divorce has been finalised, but I am fighting for 50/50 shared care of our two children. We have been through mediation, and the best agreement we could come to, was Sun / Mon / Tue nights…
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changing tax year end
Hi, As a self employed business I would like to change my end of tax year from 5th April ( which it has been for the last 10 years) to 31st March, This is to align with credit card statements and bank statements and make it easier when I have to complete Making Tax Digital ( currently my gross earnings is about 25K). I…
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Euro Car Parks - Claim Form - Scottish Resident - 2022 event - Concourse Shopping Centre
Hi I am a total newbie. I have been using AI to help me frame a defence and the AI has told me to come here and ask for your help before I send off my defence to the CCJ people... Am I in the right place and shall I go ahead and just paste my defence in here for you to look at?
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And now we go again...
...new diary title taken from the line I had already added in to my signature! Regulars will already recognise me - I've been here a while, although aside from one fairly short stint always on the DFW boards. A quick summary of our MSE history for those who have not stumbled across me before though - started out with a…
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NST April 2026: Thrift and Thrive
NST April 2026: Thrift and Thrive The connection between thrive and thrift is both deeply rooted in etymology and practically linked in modern sustainability, where careful resource management (thrift) enables long-term prosperity and well-being (thrive). Here is the breakdown of the connection between the two: 1.…
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Octopus Tracker
I just wondered about people's experiences with this tariff and whether they feel they are winners or losers. I got a quote from them yesterday, and I have to say I find the numbers highly misleading. The figures are very attractive, beating even the good fixed rate tariff I got from Avro, but presumably based on an…
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Eon next power up
Eon next have invited me to sign up for their PowerUp event tomorrow from 10:00am to 12:00pm. “Your target is to use 1% more electricity than you usually would during this time” “If you hit your target, we’ll give you £0.20 credit for every extra kWh of electricity you use.” Anybody else participating?
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Smart Parking /Tim Hortons
I have read the newbie thread but I am feeling a bit overwhelmed and uncertain, so any guidance gratefully received. I have recieved this notice through the post. I don't dispute the times stated or claim that the signs were unclear. I don't have any receipts from that day. I get the impression from the thread and chat gpt…
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DCB legal ltd solicitors court claim letter
Hi everyone, Hope you can help me out with writing a defense regarding parking fine. I will post a letter shortly after. Long story short : original parking fines probably were delivered to old address. I updated v5 document and then i received Solicitors threatening letters to my new address. So i have no idea how i…
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My experience with Gardening Express
This is my experience with Gardening Express (GE), following a BBC programme I watched sometime in October last year. I believe it was either Rip Off Britain or Watchdog. In that programme, Gardening Express stated that they had “promised to review their systems”. Unfortunately, my experience strongly suggests that they…
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unsubscribed to weekly email by mistake!
When checking my email, I had that "show pictures button" to click to view the weekly email from MSE properly, but because my screen slowed down, I accidentally hit "unsubscribe from email" link! Now I can't re-register that email on the MSE site! How can this be reversed?
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My DMP diary - 2026 (year 1)
Well… inspired by others I intend to chronicle my own journey through the DMP maze. This is the year I turn 50 and I can't juggle these plates any longer. I earn enough to pay my bills and my debts but there is nothing left for contingency, household or family emergencies, holidays, days out, gifts, car repairs, vet bills…
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Data it's uses and privacy
Hi Is there anyway to check or find out were your information is being shared / sold to and by who ? Am curious, as couple things have raised question marks for me , I don't think companies or even banks are honest with there own data/privacy policy What worst that could happen with company sharing or selling info to 3rd…
