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sending ' signed for ' mail to HMRC
Does anybody know if a signature is still provided when mail to HMRC is collected from the Royal Mail depot at Wolverhampton ? My understanding is that a driver from the Wolverhampton based company that scans mail for HMRC will sign for collecting a sackload of it from the depot. Thanks.
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A marked decrease in winnings
I started entering competitions 13 years ago and was very successful, winning multiple a month. Over the last 10 years I switched to just entering during periods where I had extra time and only aimed for high end prizes, and would still be quite successful. I took a break for a few years before deciding to try again…
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BBC - Themis debt collectors
https://www.telegraph.co.uk/money/consumer-affairs/bbc-brings-in-debt-collectors-to-police-licence-fee/ The BBC has enlisted debt collectors previously linked to pursuing fraud victims to help enforce the licence fee. The broadcaster has contracted Themis Recoveries to help the broadcaster recoup money by clawing back…
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The Sea is Calling
Hello there fellow wannabes! Starting a brand new diary for my lofty ambitions. It's me, my husband, our cat (plus an extra one who eats his food and sneaks in to sleep in our house but won't let us go near her) and we live in a Victorian terrace of an East Mids town. We are bookish and musical, and very social peeps, and…
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Resourcefulness: The budgeter's friend
Happy New Year to readers old & new! Well, it's time for a new chapter. My old diary ("Put away your purse & become debt averse") achieved pretty much what I intended. I shared the story of how I got into debt at the age of 19 & stayed that way until a pretty enormous lightbulb pinged on during my early 40s, I've shared…
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March Forward Into Spring 2026
Hurrah, it's spring! (Okay it's the start of March but we need the spring enthusiasm after that long grey soggy winter) Welcome old and new faces to the Getting OATs (outstanding annoying tasks) Done thread. For spring! 😁 For me, my partner and I are building a modest house and it is a constant source of stress, so my…
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Account in Credit
Hi, I wounder if anyone could apply some common sense here. My water supplier (United Utilities) advise me that I am 240 pounds in Credit. I phoned them requesting the credit to be paid back. After 20 minutes discussing on the phone with United Utilities I gave up. The subject is totally confusing, somehow the "credit"…
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Can you reopen a Chase Credit Card after closing it
I understand if you close the current account you may not be able to open a new account, but does this apply to their credit card ?
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Civil Enforcement: Responding to Letter Before Action - how to contact
Hi, I've followed the procedures outlined in the FAQ and Newbies posts; I sent an initial MSE template letter of the many months ago (the incident was 12/10/24), and I have now recieved a 'Letter Before Action - claim for debt unpaid parking charge notice' from Civil Enforcement. I have composed another template reply, but…
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EDF meter readings history gone AWOL
Just wondering if it is a site glitch or just my account. Logged on this morning to enter my latest meter readings, which were accepted, but whilst the last 18 months of gas readings are listed the electric list is blank. Just says there are no historical readings. I am not concerned as I have all my spreadsheet data &…
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Odd credit card activity...!
Hello, I've not been on this site for a while, a bit busy. Suddenly I find I'm swamped with issues. An odd email alerts me to a CC debt, though I've never had the particular card. There has been no posted communication, no phone calls or letters, bills etc. In other words, they only have this email address. No other…
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Isca’s debt free diary
Hey, thanks for clicking! I’m in my mid forties, mum of 2 (15 and 11), married and work part time. We took a loan out in August 2024 to upgrade our car and for a couple of others bits and pieces. We have around £12,700 outstanding. We can make unlimited overpayments and are keen to do what we can to reduce the amount of…
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Paragraph 3 Advice for MCOL Defense Submission Please
Dear Team, I received a Letter of Claim, dated 26th March 2026, from dcb legal and then a claim form with an issue date of 28th April 2026. Prior to this, I also received a 'Solicitors Reminder Letter-Unpaid Parking Charge' from dcb legal, dated February 2024, but ignored it as it looked to be a scam. I have submitted an…
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Debt free by 40
I have been binging on diaries in the last few weeks, I didn't read any books since and watched very little TV. I love all the life stories and I feel so inspired and impressed, seriously amazing people around here! A few I have been reading recently are @CRANKY40 @girlatplay @WinterWarrior @Debt_Me_Out_Of_Here @Naomim and…
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Spiralling Garage bills what to do?
Recently purchased second hand Skoda Fabia diesel. Went in for 2 new tyres, full service and timing chain. Problems with starting. (£1.5k) They said turbo seized on test drive. Now unusable and facing another hefty bill. (Another £1.5k) So the cost of the car has essentially doubled in a couple of months. Paid £3400 +…
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Fresh ADP application whilst at tribunal
My adp is currently stuck at tribunal stage and has been for months, I believe you can trigger a new application with sss whilst you are waiting? Does the backdate go from the date you triggered your fresh application, or from the date of the tribunal decision? I called the sss 0800 number and they said I can make a fresh…
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New Royal Mail parcel Lockers
I noticed today that a shop near me has a newly installed Royal Mail parcel locker system set up outside. If I sell an item and then get a prepaid RM label via eBay, can I then drop this into the locker ? If so, how please ? I asked at the store but the owner didn't know .. as well as being new, he commented that RM just…
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DCB LEGAL, ECP COURT CLAIM
Hello everyone, After many powerless debt collector letters I finally recieved a letter of claim from dcb legal ltd. I have read newbies thread and followed all directions so far. Now, I hope I understand correctly, I need to write a response. I have drafted an email and would like to ask you for your opinion on it please.…
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Tagging in Competitions Time
[neutral callout] UPDATE 11 May: Tags are now live in Competitions Time. If you haven’t already, please take a look at the new tag-following system, which lets you follow tags you’re interested in and could really help improve the section: https://forums.moneysavingexpert.com/tagging-page At the moment, tags are not…
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Tembo HomeSaver Account 5.75% - advice/thoughts?
Hi, I saw this Tembo Home Saver Account advertised online. Link at end of this post. Would welcome anyone's opinions on the account, including safety of any deposits with Tembo? The account is for depositing a maximum of £20K - so well within the FCA protected £120K limit. And their site says savings are protected with…
