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CEL only court claim 2025
I would be grateful for help and advice regarding a claim by Civil Enforcement Limited. I have done my AOS as advised and now i need to write up my defence. The PCN states that I was in the Heron car park for 1 hour 34 minutes. Heron Foods in Crewe opened on March 19, 2020, with no car parking restrictions. Since then, I…
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Missing parcel
I ordered items online from Boots, totalling over £100, and
provided my address. A few days later, I received an email stating that my
parcel had been delivered. The email included a photo showing my parcel left
outside, indicating that no one was home to receive it. However, I contacted Boots to inform them that the door…
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Smart Water Meter - not an option?
Hi, We've been looking at switching to a Water Meter - we've run the numbers and think we'll be better off, especially after a recent £20 a month increase, meaning our bill has more than doubled over the past couple of years after a prior £20 increase. Water is expensive...and we've had a hosepipe ban for months. By…
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Transfers from S&S ISA to be scrapped
I read a daily mail article today saying our wonderful chancellor is cancelling the ability to transfer S&S ISA back to cash ISA’s, I appreciate this is to stop people putting in the additional £8k into the S&S ISA and transferring back, but what about old investments I have a lot of money currently In a S&S ISA, do I need…
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Tax on savings interest
Hi, I've just had an email from HMRC regarding tax owed for the last tax year. They have taxed the interest I made on savings at 40%, and only given me an allowance of £500 interest that can be earned before tax. My salary is below £50k, but I have BUPA through work, which takes me close to the limit, and I earned about…
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Bought a pram for my daughter's newborn baby, it's faulty, Section 75 rejected by MBNA (LBG)
At the end of June, as a gift for my daughter's baby and my first grandchild, I bought a pram bundle from retailer Mille and Ralph, I used my MBNA credit card for just under £1,000. The baby was born on 15 September 2025, within two weeks the wheels started to fall off - the pram was clearly dangerous and it went back for…
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Repayment Threshold 2026/27
With RPI for March in at 3.2%, from 6 April 2026 the repayment threshold for • plan 1 loans will rise to £26,900 (26,065 x 1.032 rounded up) • plan 2 loans will rise to £29,385 (28,470 x 1.032 rounded up) • plan 4 loans will rise to £33,795 (32,745 x 1.032 rounded up). The postgraduate (plan 3) threshold remains frozen at…
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our forever patch challenge
well, this week sees the new start to my mortgage free plans. After 18 months clearing debts, then paying for our wedding, which took most of our hard earned savings, we are at the beginning again. Due to restructure at work, OH is on a reduced monthly pay, so the savings are even more of a challenge! Our plan is over the…
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Credit Cards
Do you have one? If so what do you use it for? I use mine for fuel mainly for credit score rating but thinking do i really need one 🤔
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The Occupational Pensions (Revaluation) Order 2025
For those interested, this was published last week: https://www.legislation.gov.uk/uksi/2025/1211/made
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YNAB robber needs help to execute the plan
Right, I am going to finally start a diary on here. I am being supported financially by my OH to allow me to help my sister care for my 90 year old father. I have an expensive event in Feb that I need to save for. I have been using YNAB since Feb so I have an accurate record of my spending for 6 months. It's not pretty. I…
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Can I be forced to have a smart meter?
Hi, I'm new here so please forgive any faux pas... but here goes. We have solar panels on the roof, which don't make us a huge amount of money; but they make us more than they would otherwise because we have an old analog meter which actually rolls backwards while the panels are generating juice. Obviously we'd like to…
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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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UC help please!
Hello. Have just migrated so I am still v confused. At end of AP , Do I submit what in bank account on that day? What do I reduce or disregard from that amount? Someone has said about benefits and pay from that time taken off, or any COL payments not used? An actual clear formula would be helpful. Thank you.
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RSD travel scam
Avoid these
scam cowboys RSD used to provide good value well organised coach trips
to many countries. Now these holidays are potentially twice the headline cost
and built on dull shopping visits and shabby hotels. You could double the advertised cost when you add the
additional excursions and half board, not to mention…
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PIP renewal - Time scales and what happens next
Hi, My husbands PIP renewal arrived, we completed it and returned it and DWP had confirmation they have the form. Completed using new medical evidence and advice from a couple of charities, so a detailed reply. His mobility needs have changed. So its not as simple as DWP leaving his award as is. We are anticipating some…
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Cedar shed or something cheaper?
I need to replace a shed that is now falling down, rotten and beyond repair. Have been looking online and I like the look of cedar wood sheds, but not the price! Before I invest a lot of time investigating and picking one, does anyone have experience of having one? Would you get another one? Thanks
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Snizl closing down
Had an email this morning to say they are closing down but all current comps will be drawn. Not sure if many won on there?
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The Government Is Quietly Changing Your FIT Solar Payments
I'm unsure if I've posted this in the right place but it needs to be broadcast far and wide. The video that alerted me to this can be found at https://www.youtube.com/watch?v=GPAefR-6SCw The "consultation" it refers to can be found at https://www.gov.uk/government/consultations/feed-in-tariffs-fit-scheme-indexation-changes…
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OVO billing issue
I recently moved house and closed my account with Ovo which had been energy provider for over 4 years. When I closed my account, it was over £1000 in credit. I was told the credit would be reimbursed as soon as they issued the final bill, within 4 weeks. Time went by and I contacted them multiple times, but nothing was…
