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Anti money laundering precautions for ISA savings
Hi, I regularly move ISA and non-ISA savings round to get the best available interest rate at the time. This leaves me with various empty accounts which I would like to close. However, I was wondering how this would affect anti money laundering regulations. I don't keep a record of all the places that money has been banked…
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Impasse with Housing Association.
Hi guys, I'm at my wits end with this situation and could do with some advice. I've been renting a flat from a housing association for just over a year. In all that time, I've had no hot water from my kitchen sink. I'm having to boil multiple kettles in order to wash up. I'm in this incredibly frustrating and expensive…
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Android Auto
Hi. Our 2023 Hyundai i10 SE Connect doesn't have dedicated SatNav, but does have Android Auto (and Apple Carplay). When I collected the car, I Bluetoothed my phone to it so I could make hands-free calls, and then set the SatNav for 'Home'. Offski I wentski. It's only just occurred to me that the Infotainment system was…
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US Markets Risk
Morningstar articles about investing tend to be informative rather than fluff pieces, many are an excellent trove of information. Below is an article that attempts to quantify the risk in US markets currently, supported by understandable metrics. (see the graphic entitled, Market Themometer). "I like this chart because it…
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Spectos/Royal Mail Monitoring and Posting Panel
After 600 pages of discussion on the Royal Mail Monitoring and Postal Panel thread, it seems like the time has come for a new thread to be created. Not because any of the discussion there is redundant (far from it) but because the contract for running the survey will shortly be passing from Kantar to Spectos (in…
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Separation/Divorce - Moving out, possible to obtain another mortgage.
Hi, Bit of a morbid post, but it is what it is. My wife and I have decided to split after 16 years in a relationship, the last few haven't been very enjoyable at all, now it's not fair on the kids (9 and 13). Not ending nastily, we both knew it was coming, but now what to do with money/house/mortgage. I'm - wanting to -…
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Minster Baywatch
It has been a while since I last posted here. I'm helping my daughter with a PCN from Minster Baywatch at Grosvenor Casino Bolton. The on site pay app did not take the payment. Event occurred on 5th June. PCN dated 12th June but did not arrive until 28th June (Sneaky way to squeeze the appeal time me thinks). We are…
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Car Radio Unlocking - Part 2
Hi all, I notice the previous Car radio unlocking thread has been closed (yesterday) so thought I'd see if I could start another as I cannot see any other thread!Anyway, I've a Blaupunkt CD43, Serial Number BP026318419367 which I took out of my car a few years back and now I want to refit I can't find the card the code was…
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Letter of claim: CE LTD response to claimant
At the point of letter of claim before CCJ request. I have writing a draft email response to send to the claimant/solicitor/in this case the operator CE LTD, please see below. The contravention of said breach of contract occurred in a GP practice parking area, while attending an appointment with the GP. GP will not engage…
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Advice - DCBL - Bailiff Ltd and now Legal keep using wrong address
Hi MSE, Firstly thanks for an awsom set of threads on how to challenge the parking companies, its very useful as I gear up to challenge DCBL and CP Plus - however could use some advice I cant find on the forums Regarding addresses. My partner got a Parking Charge for using a carpark, but as they had forgotten to update the…
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Car parking fine letter not received
Hi all, I’m hoping for some advice on how best to proceed with a private parking charge, as I believe there are both procedural and data issues. Background Parking company: total car parks (BPA member) Date of alleged contravention: December I paid to park on the day, but later realised I paid for the wrong car park…
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Package Holidays - Section 75
Never gone on any package holidays in the past. We've always made our own arrangements and, pleased to say, never had any problems. Now we are a bit older, we looked at getting away for some winter sun, on a holiday arranged by a tour operator. We would, of course, use my credit card to make the booking. Found some good…
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CCJ Set Aside Question
Hi all, I have a quick question about a set aside, I have been reading for a few days and have put together my Witness Statement, Draft Order and have the N244 ready to go. I have been following a recent thread where the papers were served to an old address and they 'miraculously' found them at their new address once the…
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Tax Refund Query
I took an additional lunp sum out of my main pension (which I take a monthly payment from) in December 2025 which triggered a large tax charge. I submitted a P55 and have now got a new cumulative code for this pension. The HMRC letter said any adjustments would be via PAYE. However I now have only 2 months left in the tax…
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Executer-dative
Does anyone know how long it is likely for the court to deal with this? Our solicitor was submitting it to the court 2 weeks ago and we have heard nothing back. We got a grant of probate for our other parent from the same court the week previously which took 3 days so I assume they are not overly busy.
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Moriarty Law - JC International
I have received an email from moriarty law acting on behalf of JC international acquisition LLC for a scottish power debt at my previous property from nearly 6 years ago (august 2020) stating that l owe JC international money and they are acting on their behalf and offering me a 40% discount if l pay within 28 days. What…
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Vehicle Rejection
Hi, I purchased a used car in August 2025, in December 2025 I noticed a loud noise when accelerating. Had the vehicle visually inspected by a qualified engineer who advised there was an exhaust gas leak from the turbo. Vehicle was sent in to the main dealer for the repair to be undertaken under their approved used warranty…
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credit card (aqua) selling to Link Finance
hi, I'm looking for advice. i have a credit card with Aqua, I've recently been sent an email that they are now selling my account to Link Financial Outsourcing. i know i have to wait for them to contact me within 60 days, however i have financial anxiety and questions. firstly, what does this mean? what can i expect from…
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Self managed DMP advice/help??
Evening everyone. This is my first post here after reading only for months. I am intending on doing a self managed DMP & have already ignored my lenders for a few months. Today I received a letter with my first default from “Creation” which I have a loan with. I have copy & pasted the main part of the letter below and I am…
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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…
