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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…
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Al Rayan enforcing minimum balance in accounts and closing immediately
A couple of days ago (14-May), I received a letter (dated 30-April) from Al Rayan informing me that unless I increased the balance of my two Everyday Saver accounts by 30-June, the accounts would be closed automatically and the funds sent to my nominated bank account. The minimum balance for these accounts has steadily…
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Webs on apple tree.
These are a couple of pictures of what look like webs covering many branches on my apple tree. I have done a search but wasn't sure what to do with them in the UK. Could anybody help please
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End of contract refund.
Hello, Can someone explain in detail why suppliers are allowed 6 whole weeks to generate a final bill, and are then allowed ANOTHER 10 days to issue a refund? So thats actually 7 weeks and 3 days the old supplier could hold your money, when the new supplier you've just moved to wants a direct debit payment UPFRONT. Must be…
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15 free hours @ nursery
My 3-year-old attends nursery 2 days per week. He started in November and the nursery sent me an invoice which I paid. In the new year I realised that we (and indeed, anyone) are eligible for the 15 hours of government funded childcare (we're not eligible for the 30). I pointed this out and they said they'd stop charging…
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RBS/Natwest Switch Offer from 17th February 2026 to 28th May 2026
New switching offer from RBS/Natwest https://www.rbs.co.uk/current-accounts/switch-your-bank-account-to-rbs.html https://www.natwest.com/current-accounts/switch-your-banking-to-natwest.html Looks to be the same terms for both How to get £150 1. Open a current account and switch to us Apply for a Select or Reward account…
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Signed PCP agreement but not due to start for a few weeks. APR has now dropped, can I get new rate?
Hey all, As per the title, I signed a PCP deal last week for a used car that won't be available for a few weeks, so the loan isn't due to pay out/start for a little while yet. Meanwhile, the representative APR listed on their website dropped on Monday so I asked if my deal could be moved to that rate but the dealer seems…
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Secure Parking Solutions - failed appeal. Do I have hope?
Hi everyone, (using ChatGPT to make this easier to read) I’m looking for advice on a private parking fine I received shortly after moving into a new flat. It was issued by Secure Parking Solutions (SPS), and while I’ve already appealed and been rejected, I’m now deciding whether to escalate it to POPLA. Here's the full…
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CGT - finding fund values from 2005
I sold some Jupiter Responsible Income funds recently which were originally Old Mutual Equity Income Fund when I acquired them in 2005. I've googled and it says I should be able to find out the historical price on Trustnet or HL but I'm not having much luck with either website. Can anyone tell me how to find out this info?…
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Hilton Garden Inn - Heathrow T2 - Euro Car Parks - POPLA Stage
Recently, the drop off here has now been changed to chargeable at Hilton Garden Inn at Heathrow Terminal 2 (T2), so I am sure many drivers (especially private hire drivers) will be getting PCN from ECP. So thought I'd share my progress in here to help other people, as well as my friend here who has got the PCN. My friend…
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Gifting from an inheritance
Hello, I'd be grateful for any thoughts/pointers on things to consider on the following. I am the sole beneficiary of a friend's will. He had an adult daughter that he is estranged from who he was adamant shouldn't receive anything. He did say though it was up to me if I decided to give her something. I am planning to give…
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My name is registered with wrong surname. Newlyn Enforcement
Hi Everyone, I live in midlands and always have. However, my name is registered to a property in Manchester with correct first name but a different surname. I have contacted council various times to say that it is incorrect but they keep passing me to newlyn and newlyn is saying that as long as any part of your name is on…
