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Branch of neighbour's tree has fallen onto my Garden shed
Another question for you bright minds before I approach my insurance company again. Overnight and due to a local storm here in NE London, a tree branch from my neighbours has fallen into my garden and is currently perched on top of my garden shed. Is it worth making a claim, approaching my neighbour or do it myself? After…
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Is there an up-to-date list of how quickly credit card providers will deem you a new customer again?
I'm thinking of closing several credit cards and then reapplying to the same providers in order to take advantage of new customer interest-free deals. Is there an up-to-date list of how quickly the different providers will deem you a new customer? I remember seeing one online years ago, but I can't find it now.
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Buying a 2nd house for a child to live in.
We have a 20 year old son who needs to move to another town for work. We are thinking of buying a flat (part cash part Mortgage) for him to live in with him paying the basic bills. What would be the main pitfalls of doing this, we would buying the flat in our name. I am aware that some BTL mortgages do not allow family…
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Spectos/Royal Mail Monitoring and Posting Panel
After 600 pages of discussion on the Royal Mail Monitoring and Postal Panel thread, it seems like the time has come for a new thread to be created. Not because any of the discussion there is redundant (far from it) but because the contract for running the survey will shortly be passing from Kantar to Spectos (in…
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Identity fraud + disputed CCJ against E.ON Next – need expert guidance
I’m dealing with suspected identity fraud linked to E.ON Next and a CCJ (£770) I did not register. Key points: - Start: Sept 2024, ongoing emails about identity fraud; no evidence of original contract or communications provided by E.ON Next.- 26/03/2025: CCJ/invoice for £770 with no correct email/phone on file; no mail…
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Gaparking AutoPay stopped charging me for parking
I regularly park at a local station car park, and have registered my car for their "AutoPay" service, whereby my card will be automatically charged after the cameras in the carpark have detected my car parking there. This had been working fine for months. However I just noticed that I have not been charged for over a month…
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The Frugal Hearth: Stories of Simple Living and Living Well
Hello, and welcome, one and all to my new debt free diary! My Journey I started my old diary at the beginning of 2020, a couple of months before the pandemic hit the UK and we went into lockdown. That diary can be found here…
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Help with Tide Accounting Software
Hi there, does anyone use Tide Accounting for their LTD? I'm having a hard time understanding how to record transactions that occur outside my Tide business account on there. You have the option to record a manual transaction, but you cannot upload a receipt with it and it doesn't appear to register in the accounts as…
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YNAB robber needs help to execute the plan
Right, I am going to finally start a diary on here. I am being supported financially by my OH to allow me to help my sister care for my 90 year old father. I have an expensive event in Feb that I need to save for. I have been using YNAB since Feb so I have an accurate record of my spending for 6 months. It's not pretty. I…
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Car service result
I recently asked this question: https://forums.moneysavingexpert.com/discussion/comment/81716988#Comment_81716988 I decided to have the oil and filter change spending £150 today. They have said this service ideally requires (not urgent): Brake filter: £62, Pollen filter: £63, Brake fluid: £45 They have also said I more…
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Transfer of property to Beneficiary
Hi All I have been dealing with my late mothers estate, Probate has beeen granted and I am now in a position to complete the final task and arrange the formal transfer of her Leasehold property to the new owner, I have reviewed the various pages on the GOV website and have ascertained the following, the transfer will not…
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Any one experienced with RICS Level 2 Survey - Damp
Hi All I need some advise please, House was built around 1930s, all rooms are find and no damp except for under stair cupboard which extends to the end of the wall. around 4m long altogether, Start of this wall, there is no damp/ damp meter shows single digit reading however under stair case is a bare brick wall which has…
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Change to lifestrategy funds
I've had an email from Vanguard with the following information: "We’re updating the classification of the LifeStrategy funds from ‘UK UCITS’ to ‘Non-UCITS Retail Schemes’ (or NURS). Our LifeStrategy funds are ‘funds of funds’, which means they mostly invest in other funds – specifically, those managed by Vanguard. As the…
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Warner Hotels - £50 off
Even if you've stayed before sign up to their email list and you'll get a £50 off per room. You can use the discount code they send even if you log in as a previous customer. Better than the £30 voucher they send after a stay but you can't combine the codes. https://www.warnerhotels.co.uk/signup
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Pension (SIPP), ISAs and Retirement
Hello people, UK here and would appreciate peoples thoughts on the following Age 51 here & aiming to retire at around 57 I currently hold: 490k in my SIPP (Vanduard LifeStrategy Acc 100) 165k in ISA (88k in Vanguard LifeStrategy Acc & 76k Vanguard FTSE Global All Cap - Acc) 75k in premium bonds I have a mortgage of 160K…
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Ideas for writing on cards.
I didn't know where to put this thread. My dad and FIL have about 200 Xmas cards to send this year. We have told them that we would write who they are from and we have address labels for the envelopes. One has Parkinson's and the other bad eyes and other ailments so sitting and writing is hard for them both. I was thinking…
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SPUSU - PAC transfer - BEWARE -EXCEPTIONALLY SERIOUS RISK
After checking it on this site, Via SPUSU's website, I ordered one of their SIMS and made the SERIOUS mistake of inputting my PAC code for retaining my current phone number to their new SIM. They posted the SIM to me and Royal Mail delivered it to the wrong address, where the occupant took it and tried to activate the SIM.…
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Found a pigeon fledgling - what to do
It was near garden fence and its mum was close by but flew off when it saw me. I've 2 outdoor cats so watched over it for 40 mins waiting for mum to come back but she didn't. Had to bring it indoors as otherwise cats would have eaten it. I've made it a nest hay/cardboard box, waterproofed with black bags and tied it to…
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Pinecone refusing to pay for fully completed surveys
Anyone else having this issue? Pinecone used to be the best of the survey companies, but recently they are refusing to pay up. My last two surveys, I have spent 15-20 minutes each answering detailed questions on multiple products per survey. I have reached the end of the survey, and a thank you for participating screen,…
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Parking Charge Notice - Minister Baywatch
Hey guys Just received a Parking Charge Notice from Minister Baywatch. I was not the driver, but I'm the registered keeper. I know who driver was though. Is there a way to get them off my back, or better to wait and see if they want to go to court? Thank you for all the hard work you do.
