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Debt and Job loss
Hi, Please no judgment, I am exhausted with worry and really dont need to be told how wrong I have been. Long story short- I have a senior job which pays well. Things have gone wrong in work and I think there is a real chance that I may well lose my job. Not a misconduct issue but more a performance issue in the business…
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Vanguard - Moving funds to drawdown and change to II
I have posted about this before last year, but I was given some incorrect information by Vanguard then. I usually keep 2-3 years money in a STMMF which I would like to use for drawdown, in case of market fluctuations. When you go through the drawdown process you specify which funds or cash to move the money to, but you…
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Adidas returns on faulty limited stock & other customers treated differently
II returned a shirt that I had previously ordered as the same size and design just different colour It was clearly a size bigger despite the labelling. I was asked to provide photos for an 'investigation' Is limited stock (oasis live 25) so no option to send another onnsame size or even a smaller size. Refunds was fine but…
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Interactive Investor Advice/Managed Portfolios
Noticed this which is new from ii. https://www.ii.co.uk/ii-accounts/ii-advice Not quite sure how much of a full "advisor" offering it is v a bit of a "what Vanguard tried to do" but looked like it might be a reasonably priced option if anyone is looking for that sort of offering. Seems limited to MyFolio Index funds though…
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Southgate car park Stansted PCN
I received a PCN from MET Parking for overstaying and not paying for parking at Starbucks Stansted. I replied to them using this template I found in MSE forum and I got a reply. Below are the template I used and the reply I received from MET Parking. My Appeal- I dispute your 'parking charge', as the keeper of the vehicle.…
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DWP forecast says 34 years out of 35 is only pennies less per week than full state pension.
My wife spoke to DWP today to discuss her pension forecast and was told that if she only qualifies for 34 out of the 35 years, her forecast says that although she will not receive a full state pension, the amount will only be 16p less per week. I asked why and was just told that's what the forecast says and it is different…
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Is anyone using a powerstation as a home battery for savings with Economy 7?
Is anyone using a powerstationa s a home battery for savings with Economy 7? I'll explain why I am considering the above. I have been camping for decades and a couple a years ago I bought a 300w, 300Wh powerstation, portable car compressor fridge and a foldable 100w solar panel. It last about 2.5 days without sun, but…
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Persistent debts built up, 0% periods ending on cards mean its unaffordable - DMP
Good evening folks, I did post in the DMP thread but figured this is possibly worth having my own thread for, so here goes. This month is when I finally stepped back and took stock of my financial situation. Total unsecured debt is circa 70k across a couple of loans and numerous credit cards. I've been managing fine until…
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How on earth are they MSE's No:1 choice?
I am absolutely baffled how Lebara are MSE's mobile SIM company of choice. I applied for a SIM only contract several weeks ago, and was promised Royal Mail 1st Class delivery. When the card did not arrive, after five days, I contacted their 'CHAT' facility and discussed my problem. I was promised delivery within the next…
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Merge balances or keep separate?
Hi, looking for some advice regarding 0% balance credit cards. I have a Barclaycard with a balance of £3053. I am paying £105 p/m and will clear the balance at approx June 2028 (before the 0% period ends). I also have an M&S credit card with a balance of c£1300. I pay £100 p/m and will clear the balance at approx February…
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DCBL, Smart Parking, Court Claim 2025 N279 Notice of Discontinuance 2026
Hi , I wonder if you can help , please. I have followed the threads on here as best as I can. Back in 2020, I used a car park I had often used. I am a Blue Badge holder and we had to pay 70p per hour. This particular day, the machine said "Cancelled. Printing Failed". I knew a lot of car parks were suspending payments…
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Returning Vinted parcel - since I have to pay is it best to use RM?
Hi all I purchased an expensive bag off Vinted. Typical seller says 'new with tags' yet the item had a lovely time in Madrid, bag full of tissues, a wine cork, receipts (hence I know it was madrid) and crumbs, not to mention damage to the lining. Obviously I was furious since it was a pressie for the wife. #rantover Since…
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Ftb advice needed
Been given a Aip by nationwide currently on track to have a 5% deposit by April due to Lisa bonus and saving. If we look at houses now and find one we like can we make an offer or do we need to wait until we have the full deposit?? Because obviously that won't be until just into April. And we are very keen to get the ball…
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One eye on the future ..one eye on the past
New Diary think I got lost in space.Debts are slowly reducing,I sort of have a three year plan ongoing which should mean we are very comfortable in the middle of the year 2023.I'm resigned to this being my abode ...hate my house ..hate my neighbours For that time I want to be in a good place financially to move at that…
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Son wants to buy a flat/small house
Hi, I need a bit of advice. I have sold my house and am about to move to a different part of the country (buying mortgage-free). My son is going to buy a flat to keep a base in the area we are leaving, so he is looking at buying his first home here. However, as his job is freelance, he envisages renting it out part of the…
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Eon Next - Back billing issue?
Hi, I am wondering if anyone is able to advise or clarify the rules on back billing and whether it would apply in my case. On 9th January 2026 I received a statement/bill for the amount of £68.37 from Eon Next for "Gas (estimated) 27 January 2023 - 14 February 2023. On 7th January 2023 I had a pre-payment gas meter removed…
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Mortgage Free now aiming for FIRE
Time to start a new Diary. I have had my old one since Autumn 19 which is when I moved into my forever home after 4 years of renting in London. I am 52 and I live with my DG on the South Coast. I have a well paid job for my sector and was finally made permanent and full time in December 21. DG is self employed which she…
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Update: Withdrawn from uni, can't get out of tenancy
My son is withdrawing from his university course in Newcastle due to his mental health having been really bad in his first year. He had already booked his accommodation for the second year in a private halls of residence, not uni owned. He can't get out of the tenancy and the halls staff have told him to find a new tenant…
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Shared Ownership, Staircasing to 100% & Using my boyfriends LISA
I bought my 35% share in my property in 2023. The value of the property now is valued at 270k, My boyfriend and I would like to move in together. We decided in the local area we cant find anything as nice as my house for the same value. I have a mortgage on the 35%. To staircase to 100%, we would need to get another…
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Flight changed and now not direct flight - via another airport
Not sure if this is the right forum but couldn't find anything else appropriate I had a flight booked with Vueling -Spanish airline 9th February LGW to Alicante 1300 arriving 1630 8 January (outside of 14 days) the flight changed to: 1010 arriving Barcelona 1320 leaving Barcelona 1535 arriving Alicante 1645 I was given the…
