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civil service DB increased lump sum
Hi all. New to this site, but not to MSE. Is there a simple answer to the question of whether or not to take an enhanced lump sum (80% increase) in exchange for a 20% drop in my monthly pension in my DB pension. I wasn't aware I could get an increased lump sum, so I'm in a quandary. I am approaching 60, when I can take my…
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The Archived History Of Regular Savers Thread *** NO CHAT***
Welcome to this thread The main purposes of this thread are three-fold: * To provide a list of current and historic regular saver Ts&Cs. * To serve as an archive of when key changes to The Top Regular Savers Discussion Thread and the accounts listed on it were made. * To serve as a defacto no-chat regular savers thread to…
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What else can I invest in
Hi All, Looking for some suggestions I am in my late 30's. I have * Investments: £190,465 (S&P 500 index fund) £132,000 in ISA. * Cash & Savings: £179,804 (Chip, Tandem) * Premium Bonds: £50,000 I have about £106,000 in my pension currently and have increased my contribtuion to £2696 per month. I am a higher rate tax…
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How to find a decent spray foam removal firm
We are currently trying to find a Spray Foam removal company who will do a decent job and not cost a fortune! They each seem to be saying that whoever we have previously got in to check the roof out, or spoken to, are cowboys! No idea who to trust now. Spoke to The Spray Foam Advice Centre, who gave us names of 2…
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Awning installation, avoiding brackets?
Hi, today I received a quote from an awnings installer. He said that in my case i would need side brackets because almost certainly the top area of the kitchen extension under the gutter contains steel and we can't add holes that would weaken the structure. Do you think that it's true? Thanks.
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Removing rust on cast iron drainpipe
How should I remove the rust on my cast iron drainpipe? Someone told me to buy Kuruste but I have also seen Hammerite rust remover gel. Is there any difference? Thank you.
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Life insurance with mental health issues.
Hello, I'm trying to find life insurance for myself, but I have mental health issues which I've been upfront with to the insurance companies and brokers, but it seems nobody will insure me. I have just purchased a house and I would like a small life insurance policy that will cover my mortgage should I pass away. Are there…
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Contribution ESA
I am on contributions based esa. I also have a privite pension that has been declared. My husband and I want to borrow some cash from our house for house repairs. Is that ok to do?
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Charging Order? The myth
I feel that this is so important that I thought a new thread should be made to highlight the importance of understanding the law on Charging Orders and how many people are stuck with their property in the false believe that they have had a Charging Order put on their property. In particular the thousands of Northern Rock…
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DCB legal Letter of claim
Hello Im so sorry, I've found lots of posts on here about this subject but I'm still a little confused. I previously received several letters asking for payment of £170, by DCBL, for parking or stopping in a disabled bay but ignored them as advised by a friend. I've now received a Letter of Claim from DCB legal, saying I…
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Washing machine - glass door explosion!
The inner glass on my LG washer/dryer exploded into the drum whilst on the last spin of its cycle! The glass splintered into hundreds of multi-sized shards of glass which shredded my clothes and embedded into fibres. I was washing a small load (a couple of towels and one set of clothing) on a 30 degree normal wash. The…
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Inheritance tax form IHT400
I appreciate I am asking lots of questions on this Forum about Probate etc, and really appreciate any advice. My mother's assets are less than £500,000 and are left to me and my sister. When I open the IHT400 form to fill it in, it has a box that comes up with 'do you need to pay IHT? If not, then close this form'. I know…
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DCBLegal N180 Directions Questionnaire and Court Claims
Hi All, The parking fine from DCBLegal all started near the beginning of the year for allegedly over-staying in the Meadowhall Retail Park on 28/10/2019. Other than that and a demand of payment, no other information is provided. I personally have not received any of the original parking fines from G24 Ltd. The first time I…
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Swagbucks Codes Thread 2025 - CODES ONLY PLEASE
This thread is only for Swag Codes, any chat etc should be on the Swagbucks discussion/chat thread If you had the old codes thread bookmarked you will need to bookmark this one The chat/discussion thread for 2025 https://forums.moneysavingexpert.com/discussion/6577620/swagbucks-2025#latest
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Court Claim Letter - Here we go again - Acknowledgement of Service
Hello Legends...and Coup I have ignored everything, and truly cannot remember my defence - other than I either over stayed by 20 minutes, or I automatically parked in a car park 20 yards away and entered the incorrect one in the Pay App. I assume step one is: Acknowledgement of Claim And (1) I Intend to defend all of this…
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How to cancel recurring debit card payment to Apple
I have tried to login to my Apple account to cancel Apple TV after resetting the password (which was a major task in itself without an Apple device 😫), but an error message keeps coming up. Their support team haven't been any help. I can't see another way to cancel the subscription (there is no option in the Apple TV app…
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Back for 2025: What's the best £1(ish) you've ever spent?
We're revamping the 2020 blog, so we'd love to hear about more of your £1 (ish) bargains. Send 'em this way. In the 2023 thread, some of the top examples you told us were: * Top Secret Comedy Club entry, where Jack Whitehall and Paul Chowdary were performing * A pregnancy test to confirm the good news * A first press of…
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Warranty payments on returned car
I bought a car and the 2nd hand dealership sold me an extended warranty. No option to buy after or alternative companies. The car came with a 6 months warranty. Warranty was offered to be either paid in full or monthly over 10months, I selected the latter! In 24hrs there was a fault, and the 2nd hand dealership repaired…
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Parking Charge Notice: Parkingeye, Sainsburys Eltham
Devastated to have 2 parking charges in the month of April. Hoping May will be a better month! This charge is from ParkingEye, and I'm afraid I already appealed without knowing about MSE and all the brilliant help here. Hoping that I can get some advice, but I have cocked up. Here's the background:- * parked and realised I…
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Builder Public Liability
Hi our builder has left us abandoned half way through our new extension I have telephoned his public liability and he cancelled his insurance apparently when he folded 2 months ago will it still be valid whilst he was doing the work to progress with a claim many thanks
