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"What's the lowest you will accept for this item?"
How would you deal with this question from someone who has placed no offer, and has had no prior contact? I get this quite often - my view is I've listed an item at a certain price that I feel is fair. Obviously the listed price is what I would like - but I have placed the option to consider an offer. Why would I reduce my…
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Letter of Claim DCBLegal
Hello everyone, I am aware of the advised steps in the newbie thread and will do them. I have a slightly separated question. My case involves a car park that has been in the local press for giving people unfair fines, so I emailed my MP about it. His caseworker has now responded asking for information so that they can take…
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stopping 'live auctions' on ebay from announcements on an iphone
I'm not sure how best to describe my question- so stick with me. I get quite a bit of ebay traffic through the ebay app on my iphone, and open the pop ups to see if it's a message or confirmation of an offer or whatever. However I am plagued by 'live auctions' I click on the ebay 'message' and it immediately opens a live…
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Giving partner an allowance?
Hi all, What are your thoughts on an ongoing argument please. I work full time with a salary barely above minimum wage, take home income around £1700. My salary covers the mortgage, all the bills and some of the food and running the one car we have. I have not much disposable income after all bills have been paid. My…
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My Mortgage Free Mountain - A 7 year expedition to climb to the top
OH and I are in a
position where we will be able to repay the mortgage on our own home either at
the end of this year or in Jan 2023 thanks to an insurance claim we have been
waiting to pay out for several months. However we also have 3
BTL mortgages which need to be cleared and our big dream is to clear them all
before my…
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LED Strip for Bathroom Ceiling Slats
Hi all, I am going to have walnut wood panels with slats installed in the bathroom ceiling. I want led lights running through the slats, for example: https://www.diy.com/departments/acoustic-wall-panel-led-strip-lights-cool-tone-4-pack-2-4m/7685746354231_BQ.prd :# But it would need to be fire rated and waterproof as it is…
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DWP forcing me to repay a debt caused by identity fraud
Hi everyone, I’m
hoping for advice and to find out if anyone else has been through something
similar. I am a
victim of identity fraud. In 2023, someone used my details to make several
Universal Credit claims. Despite clear red flags, the DWP approved a £763
“advance” payment to the fraudster. Instead
of investigating…
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Lloyds bank premier account and debit card cash back
Anyway to get cash back by paying money into a savings account with another bank / building society like Yorkshire for example via the debit card or would these be excluded from the cash backs? What would the MCC be?
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How do they know
It may have been asked before but I cannot find it. The Winter fuel payment has been reinstated to those pensioners whose income is below £35000 per annum. My question is How do the government know your income? Do they have access to your bank account?
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HL verses Moneyhelper annuity quotes/checker question/view.
I have been playing for hours on HL (Hargreaves Landsdown) & Moneyhelper.co.uk trying to find a sweet spot between all the various input settings and indexs on annuities. I'm pretty fixed it will be a life policy and won't be a level annuity. I'm 90% sure it will be RPI or LPI as opposed to gambling on a fixed % index, I…
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misstara's mortgage free diary
I've been kicking about dfw for years, firstly paying off debt, then saving a deposit and now am finally joining the mfw section of mse :smiley: We've just bought a wee 2 bedroom terraced house - missives were concluded last week, will sign all paperwork this week and get the keys next week. Thanks to an extremely generous…
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Cheap Energy Club: problems entering my address
I've used Cheap Energy Club in the past to switch supplier, but haven't visited for some time while the price cap ruled. Now I want to see if I can get a better deal before winter gets here. I sorted out my password as directed, and after login the first and only option is to enter my postcode and choose my address - but…
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25 for 2025
It's that time again, as we face the end of one year and embark on a new. So if you're up for a challenge, feel free to join in. You'll know how this goes if you've done any of the previous years, but for newbies the idea is you have a list of 25 goals that you do 25 times during the year or just a list of 25 goals to hit…
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Newbie - Pensions/ISAs and SJP
Hi, I've had an initial introduction to St James Place regarding tax free savings, pensions and ISA's. Basically, I need some confidence it's the right way for me to go. I have a Final Salary Pension and discovered the CETV is large. Basically I can manage on savings and ISA's without the pension so I'd be happy to move…
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Lloyds Standing Order missed
Apologies for what might seem a silly question, but does a missed standing order affect anything such as your credit profile? This is with Lloyds - it says wouldn't be charged for this and that they'll deem the SO invalid after X consecutive missed SO payments. This was to another Lloyds account if it makes a difference.
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Protected tax free cash
I had scheme level protected tax free cash of 41% in a pension scheme in 2018 I transferred to a SIPP as a block transfer, all done within the required timescale to preserve the benefit. No further contributions have been made to that SIPP, although it's increased in value by about 35% through growth. I plan to take my…
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Time to say farewell
My life has taken a new path. My Mother’s health has deteriorated to a point where I need to be her full-time carer. My competition hobby unfortunately has to come to an end. After 16 years of being on here I am saying farewell. I will be unable to post any further competitions so if anyone wants to step up and take them…
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Preparing for Winter V
Official MoneySavingExpert.com Insert: If you've come through to this discussion from this week's email, welcome to the MSE Forum. You've joined our Old Style MoneySaving forumites chatting about how to prepare for winter. Read below, read the last few pages of the discussion to see their most recent posts and click…
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The start of default road
Hello, I have now entered default with one of two CC’s that I hold (MBNA) the other being Barclaycard which has not yet defaulted. I have had a scout through this thread and seeking some advice on how to take my next steps and things to avoid doing. I read about people going self managed which sound better and to take the…
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Items Stolen from Evri Parcel
My husband and I both bought our daughter some dresses from Oh Polly for her to try on for her graduation. She kept one dress and we send the others back for a refund. Neither of us received a full refund. Cut a long story short, the parcels Oh Polly received had been opened and taped back up again. This happened somewhere…
