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Monmouthshire BS overpayment
Hi, Is anyone with Monmouthshire Building Society and has ever tried to make an overpayment? I’m 28yrs old with a 28yr term mortgage and I’m aiming for mortgage settled by 50. I’ve calculated and need roughly £250pm overpayment. I find this wording very confusing, it says you can’t overpay then proceeds to say you can up…
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Stronger, Smarter and Saving
Time to face my debt head on and I thought this would be a nice little corner of the internet to document it. I have about £10k on a 0% card and just under £5k at 5.9%, so I'll start with that smaller card. OH has about £10k across 2 cards too - they're both on 0% deals so we've set them up to pay min payments only at the…
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Toyota'07 issues with clutch - worth fixing?
I am after a bit of advice. I own Toyota Auris T-SPIRIT VVT-i S-A, 2007 reg.I had this car for the last 9 years and no major issues until now. I have recently noticed issues with a slipping clutch. I need to take it to the garage for them to have a proper look but I got initial quote online in region of £800 for a…
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VWFS PCP handback: £10,000 equity lost after relying on information given during vehicle collection
Hi everyone, I would appreciate some views on whether people think I have a reasonable case here. My complaint is currently with the Financial Ombudsman Service, but I would be interested to hear whether anyone has experienced anything similar. At the end of my PCP agreement with VWFS, the balloon payment was approximately…
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Defunct land next to house
Hello! This is a weird one - our house at the end of a cut-de-sac has a lane running down the side - we have been here for 7 years and it's not been used in that time - speaking to the neighbours, the lane hasn't been used for decades. The local council still maintain a street light at the top of the lane! After calling…
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Court Claim Form for parking in GP car park! Civil Enforcement Limited
I visited my GP with a young family member for an emergency appointment (which led to an immediate visit to A&E) in May 2025 Since my last GP a year prior, in early 2024, the GP practice had engaged a private parking company to manage their car park (car park owned by the GP practice) There is an iPad to enter your car…
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Out of hours fee for car hire after flight delay
My flight RK1394 developed a fault and ended up 2 1/2 hours late in Oslo (so it is below the threshold of UK261). As a result I missed the closing time (midnight, originally booked for 22:00) of the car rental (Sixt) and ended up with an out of hours fee of NOK 695. Unfortunately the delay didn't meet the threshold (6…
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Estate Agent incompetence, Form 6A (Section 21), and backdated contract issues
Hello, I have been renting a flat in London since 2021 through an estate agent acting on behalf of the landlord. My tenancy deposit is protected as per certification, and the old agent also asked month's rent on account due to low income. In July 2025, a new estate agent took over management of the property. Since then, I…
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DCB Legal Smart Parking Claim
Hello all Thanks to the advice on the forum I made a successful POPLA appeal against a Smart Parking NTK in 2021. Unfortunately friends who were with us had moved house and missed the deadline for the appeal. They notified Smart Parking of the change of address. This arrived the other day. The MCOL website would not…
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Waiting for Council to process my Housing Benefit since moving to State Pension
Hi thought I'd start new thread hope that's okay. I get a bit stressed out about these things and you're all so kind. I've been waiting since 26 February for council to update my housing benefit and council tax support since moving to State Pension and Pension Credits on 18th February. I've had no Housing Benefit for two…
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Eon smart meter broke boiler
Hi, I am reaching out for some advice with an issue my daughter has had on Friday with Eon. A new smart meter was installed in there house they purchased three weeks ago on Friday. When the gas and power was switched off on the boiler, it blew and is now not working. Their engineers looked and said it was nothing to do…
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SpaceX IPO
I am a UK citizen/passport holder and reside in the UK (for tax purposes). I do not have any other nationality. I wish to take part in SpaceX's upcoming IPO to the tune of in excess of £50k ideally using cash I already have prepared for the IPO currently held in a (UK online broker) stocks & shares ISA. I understand that…
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Minimising lifetime tax with drawdown
I have been retired for 2 years now and have been fortunate to see my SIPP increase significantly whilst drawing down my personal allowance via an UFPLS and we have also done the same with my partner's SIPP. (We are aware there is a fair chance her SIPP won't fill PA for the whole time until SPA) We have topped up to our…
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Unfair Parking Ticket By Smart Parking Ltd
Hi everyone I was sent a letter by debt collector company stating that i have a parking ticket for about £170 and that it’s fine included but the truth is i never received any parking ticket you know them yellow ticket they stick onto your car or any parking ticket letter the only letter I received was from debt collectors…
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Anything I can do about this parking charge?
Hi all, I got an NtK from a car park and just wondering if there’s any recourse I can take? The car park is for a parade of shops so not sure if there’s a particular company I can complain to as in Option A. The parking is free for 3 hours but ended up at 3h 16m. The wording on the NtK is much better than the Britannia…
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Healthspan Codes Thread (no chat)
Shiny New Healthspan Codes Thread. To keep this easy to follow and to help those subscribed, can we please use this for listing current codes. Please avoid ‘code worked’, ‘code didnt work’, ‘any new codes’ https://www.healthspan.co.uk/ old thread…
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MSE Forum Poll: What's your main way of staying cool during a heatwave?
The final week of May is bringing a bank holiday, a half term school break and soaring temperatures, meaning the air will be filled with the smell of sunscreen and the sound of ice cream vans. When the mercury shoots up, what's your primary go-to for dealing with the heat? Vote in the poll then share your thoughts in the…
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PCN Appeal declined
Basically I parked at a shopping centre lot for 14 minutes without paying before leaving. I got a pcn letter from smart parking and I appealed the pcn stating “Your Notice to Keeper does not comply with the mandatory requirements of Schedule 4 of the Protection of Freedoms Act (PoFA) 2012. Amongst a number of failures you…
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SIPP reducing income for tax purposes
I pay into a Aviva SIPP that is uplifted by 20% by the provider. I also pay into LGPS a with my employer. The contributions added together leave me with around 6000 a year. In addition to this I have interest from savings of around 7000 per annum. I have realised that I am paying tax on some of the interest. My tax code…
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Success Stories - Pensions
This is a bit of a light topic where the idea is to highlight what successes you had with your pension pots. Example - I contributed X and accumulated Y by Z year. Total appreciation was 'x' percent. Just trying to learn the following that could inspire a range of people - those with no pension, those who started late etc.…
