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Hastings Direct insurance & "data sharing"
Just taken out insurance since Direct Line were ridiculous this year. T&Cs of this HD policy is you have the app. Also mentions "data sharing" which isn't yet live. What exactly is likely to be shared here? Are they somehow using the app on your phone to track your speed so when you're 31+ in a 30 they'll then contact you…
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MBNA to Lloyds / Halifax Balance transfer
Possible or not as part of same group. Lloyds saying only not possible to other Lloyds cards ?
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CGT/ DRIP/share sales
I’d appreciate ,if some assistance, as a basic rate tax payer. I had shareplans with my employer, bank which were a total fail following 2008 crash and covid. September 2022 i sold matured share plans costing £10800 for £9331 July 2025 shareplans where shares cost upwards of £2.84 to £3.80 each at 78pence -a loss of…
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Utilising PA for spouse with small pot? Good or bad?!
Just to give some context, my circumstances are as follows- My SIPP with value of £460k - age 63 with full SP entitlement in 2027MY OH with a SIPP of £110k - age 60 with full SP entitlement in 2030 I retired last year and my goals in very simple terms were as follows:- Withdraw £16760 UFPLS from my SIPP to use PAwithdraw…
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Moved: Transfers from S&S ISA to be scrapped
This discussion has been moved.
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University of Worcester pension arrangements
Interested to read this: https://www.worcester.ac.uk/about/job-opportunities/pension-schemes-retirement.aspx
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Scrapping of home working expenses tax relief
One budget announcement that seems to have sneaked under the radar (haven't seen it mentioned on here, apologies if I missed it) https://www.gov.uk/government/publications/income-tax-removal-of-the-tax-relief-for-additional-homeworking-expenses Interestingly employers can still reimburse costs but individuals can't claim…
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UC Directors CT (Council Tax) reductions
Hi Please help, I have been going backwards and forwards on this for months. I am a director of my ltd company and claim UC. Business is not great and I have a lot of debt which I am working my way through. Therefore the MIF usually kicks in as I am not making a profit. However, my council tax has now shot up. The UC award…
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Arrietty's Acorns
Hello, I think we're past the 'happy new year' stage now and as we don't know each other yet I'll just dive right in, say 'hello' again and declare that I NEED to be on this board. I've been dipping in and out of here for a while now and debating with myself as to whether I should start my own savings diary; whether it…
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UHD - lots of hype but missing some truths?
I have just purchased a new LG OLED 4k TV to add to my BOSE sound system and my EE TV package. Being keen to see some programmes in UHD, I checked out the listings on iPlayer and Amazon Prime and expected to find ‘UHD’ in the corner of the programme information. Much to my surprise, I couldn’t see either ‘UHD’ or ‘4k’ - so…
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Simple step by step instructions - phone transfer
I am looking for simple step by step instructions on how to transfer to my new Android phoneI have a usb c to usb c cable...thanks
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Garden plant advice
I am looking at adding some nice low maintenance plants and flowers to our garden. Our garden is south facing, can anyone suggest any good plants or flowers that i can add?
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MSE Forum Poll: How does the Autumn Budget 2025 affect your personal financial situation?
Chancellor Rachel Reeves has announced the Autumn 2025 budget. You can read MSE's rundown of the key measures and watch Martin's analysis video. Overall, how do you think this Budget will affect you individually? Please note that this poll and thread are intended for people to share the impact on their particular…
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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…
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DCBLegal - £1020 letter of claim! HELP
I am
reading the newbies thread alongside but wanted some specific advice please.
Hope someone can help – feeling a bit stressed! I recently got
a letter from DCBL bailiffs to say I had 6 unpaid tickets, 3 from 2020 and 3
from 2021 and it totals £1020!! I have not
ever received anything before this letter so it was a huge…
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Onwards and the debt goes downwards!
Hi All Old diary is here https://forums.moneysavingexpert.com/discussion/1000559 I can't do the posh linky things. Things are all changing in the Lucielle household. DS1 arrived back from New Zealand and has moved out to start his new job. Spent most of last week building flat pack furniture from the well known store. DD1…
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Tipping removal men
We have 3 removal men moving out house contents. How much should we tip? We are paying the company direct
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Stopping the backsliding… a family of four no longer living beyond their means
Some of you may know me from my last diary, which was on Mortgage Free Wannabe. The truth is, I’ve not paid anything extra off my mortgage for years, I’ve not saved like I meant to, and I currently have £1,000 on my credit card 🤦♀️ 🤦♀️ 🤦♀️ I plan to have this paid off in under 3 months, so I could have stayed on my old…
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Calculating CGT using Lodgement.
Hi all. Some expert advice needed for my wife's tax return if anyone feels up for it! :) Last October, (in anticipation of the Reeves CGT hike), my wife Bed and ISA'd her annual ISA limit by disposing of £20K of GIA shares and buying them back in her ISA. She is now coming to do her tax return for 24-25, but the figures on…
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DCB LEGAL RECORD OF PRIVATE PARKING COURT CLAIM DISCONTINUATIONS
A UKPC/DCB Legal pattern is now emerging, the same as the Highview/CP Plus/GroupNexus/DCB Legal pattern that has evidenced itself over the past few weeks. * Court claim issued * Defence completed * Hearing date given * Witness Statement deadline dictated by the court * Phone call from DCB Legal to defendant * Email to…
