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Back billing rule
we moved in our property in 2023 and at the time, didn’t know who our energy supplier was. We didn’t get any letters or bills addressed to us personally or even to”the occupier”. fast forward 3 years later and OVO have sent us a whole 3 years worth of bills back dated. All estimates readings and have said this is the…
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Inheritance has not appeared in my ISA
hi Hoping for some help!! My grandfather passed away and he left me some money. The solicitors made the payment last week, I got the notification from NatWest saying that the payment had been received but to the current moment no money is showing in the account. The selected account was a cash isa, so my original thought…
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Pay into my pension or cash ISA?
I've had a workplace pension for just under a year. I contribute 7% of my monthly pay, which is the most that my employer will match. But I can contribute more if i want to. I was looking at it today and it says that it has gone up by over 9% since I started it. I've also got a cash ISA that's earning 4.52%. I would…
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Shop & Scan
As the Shop and Scan thread is getting long now and people are asking for referrals I thought it was about time for a new thread. Old thread here https://forums.moneysavingexpert.com/discussion/321950 Please note that registration is by invite only but you can register your interest in joining the panel here…
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Backdated State Pension
Does anyone know how far back State Pensions can be backdated? In this case the person was receiving Pension Credit but was not aware they were not in receipt of their State Pension.
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Semi retirement at 46
Hi It has been just over 7 years since I posted on here with my plan to retire at 50. A lot has happened since then, the most dramatic was me having a cardiac arrest at the age of 39 in 2020 (not sure what caused it but I was with people that knew cpr and was incredibly lucky to survive), we have moved house to one worth…
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How to fight back a Capital One decline ("details don't match") — not reapplying
Hi all, bit of a long one but I'd really value some opinions before I go further. I've been trying to open my first credit card just to build a file — small spend, well under 30% utilisation, paid off every month. No real need to borrow. I'm a disabled adult (autism) on benefits totalling around £32k a year, with Barclays…
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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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3 Year Old CANCELLED Parking Tickets
As I made a post on r/LegalAdviceUK, I am going to copy it over here and have deleted it there. Any changes made to the private information within the documents have been made BOLD. This is in England. 4 days ago, I received a letter from HM Courts & Tribunals Service contacting me "because someone claims you owe them…
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Ulster Bank £200 switch offer for opening a Select Account (26/05/2026 to TBC)
New switch offer launched today. T&Cs. Requirements: Exclusions: Anyone who has ever received switching cash from Ulster Bank, NatWest or RBS (but in reality we know that unless something has changed, they don't seem to check between banks). You must not have held any Ulster Bank current account on 26th May 2026. Other…
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Old Style Weight Loss Challenge - 2nd Quarter 2026
Hi All Welcome to the 2nd quarter Old Style Weight Loss thread for 2026. Please feel free to start posting your weight loss goals for the next challenge which will run from the 1st April until the 30th June. You do not have to submit a loss or gain for the first week as it's our starting week, you can post your first loss…
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DCB Legal - Defence.
Hey everyone. Firstly thanks again for the newbies sticky thread, it helped me disconinute my last parking charge... unfortunately DCB Legal at it again despite me beating them before... they never learn. I received court letters again for a new parking charge.. Before we get started the MCOL website says: Claim History A…
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Yorkshire Water - poor billing
I am in the unfortunate position of being forced to have Yorkshire Water for my supplier. I currently pay a monthly direct debit for water and sewerage. I have to keep a strict note of all my ingoings and outgoings (no benefits - just live off rapidly depleting savings) so I need to know exactly what I am spending each…
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Milann’s mutterings through retirement
I thought it was about time for a new diary. Ive been a member of MSE many years now and got my debt down from £20,000’s to a big fat ZERO. I kept the debts to myself as I was the one who built them up. Dh would have been ok and we’d have worked through them together…..but it was my mess that I wanted to clear myself and…
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Intrum Letter claiming I owe money
Good evening, A relative received a letter regarding a debt of just over £1500 from Intrum threatening to send characters from "Verify" to the property if the letter wasn't responded to within a certain amount of time (I've only just got the letter). Previously, Intrum had been emailing me which I did not respond to. I did…
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UKCPS / Moorside Legal County Court Claim — Non-PoFA NTK but PoFA Sch 4 cited in Particulars — Defen
Hi all, first time poster here and would really appreciate your help as it's causing me distress. I have a County Court Claim issued against me by UKCPS Limited via Moorside Legal and I need help drafting my Defence. Deadline is 17 June 2026. The facts: I am the registered keeper of a vehicle parked at Crescent Gardens Pay…
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Defending against Parking Eye Claim form for visit to GP
I have received a County Court Claim Form from DCB Legal on behalf of ParkingEye relating to a parking event at a GP surgery used for NHS out-of-hours services on a Saturday in September 2025. The facts: The driver attended the site for a legitimate NHS out-of-hours appointment accompanying a child The driver used the…
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DCB Legal / UKPC County Court Claim
Hi everyone, I’ve received a County Court claim from DCB Legal acting on behalf of UK Parking Control Ltd. The original parking charge was issued after I parked in a disabled bay while making a delivery in a van. I used the bay mainly because it made access easier for unloading. After the delivery I went to grab some food…
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misstara's mortgage free diary
I've been kicking about dfw for years, firstly paying off debt, then saving a deposit and now am finally joining the mfw section of mse :smiley: We've just bought a wee 2 bedroom terraced house - missives were concluded last week, will sign all paperwork this week and get the keys next week. Thanks to an extremely generous…
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Octopus Intelligent Go 6 hour changes being rolled out.
Upcoming changes notice, from octopus Electric vehicles are booming. In March 2026, over 22% of new cars sold in the UK were electric, and the old fear of "range anxiety" is practically dead. With modern ranges hitting 300 miles and a rapidly growing network of ultra-rapid chargers, most drivers just plug in every few days…
