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Contract rights
I've just started online work but I've had to put forward £150 and now they are asking for a further £300 which I cannot physically afford - they will not release back to me the original funds until I pay this additional money. I cannot see anywhere in the terms and conditions this is the process. Where do I stand ?
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Cleaning/washing passport
Hi everyone, due to ocd I often clean objects and wash clothes a lot. with bank cards Iand my phone I use a wet wipe. Passport is another issue though as its not as easy as a card to clean, what with all the pages. Can anyone recommend how to clean a passport , by the way it's brand new in the envelope, but for strange…
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Ninja Saving Turtles Challenge August 2025
Ninja Saving Turtles Challenge AUGUST 2025 Welcome to the NSJ Challenge for August. We're a very supportive and friendly group who come together each month to work on our debts or to save for our future. We have a holistic outlook so we aim to look after our mental and physical health, are kind to everyone and love to have…
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SIPP + Teacher's Pension? Quit Teaching?
Lots of ifs and buts here, so please bear with me! Looking for general ideas. I'm 48, have taught part time (0.5fte) for 25 years and paid into Teachers Pension during that time. When people say 'total value of pension', I can't find that figure, nor will they give me one. All they will say is, if I retire at 55 I would…
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Cooking for one (Mark Three)
Welcome to Cooking one (Mark Three), time to get a shiny new thread up and running. The link to "Cooking for one (Mark Two)" can be found here https://forums.moneysavingexpert.com/discussion/comment/73708876#Comment_73708876 Cooking For One 13th Jan 17 at 7:32 PM Hi, newbie poster though long time lurker trying to adjust…
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Seizure since Travel Insurance began
Hi. We're partly through an annual multi-trip travel insurance with Post Office, although I've since been diagnosed with epilepsy. Predictably, when informing PO, the price has shot up by a crazy amount. What methods can I use to lower this increase - mention levetiracetam tablets, get a note from doctor etc? And would it…
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Prepping: the new world...
Thought it was about time for a new Prepping thread... Please keep it on topic, friendly and realistic for life in the UK (i.e. no hurricane basements, no guns, no politics). For those that don't know, the Guides & Scouts among us will be prepared, but are the rest of us ready? IMPORTANT NOTE: this thread is a resource for…
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I Park Services Court Claim via DCB Legal - Advice needed
Hi everyone, I hope you are all enjoying the long bank holiday weekend. Please can I ask for some help? After receiving the below NTK in January 2025, I have followed the advice on the Newbies thread - Appealed to I Park Services - Appeal Rejected, Didn't bother with IAS, ignored the debt collector letters. I received a…
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Tax on overseas pension
I’m about to start taking a db pension I earned while working for the States of Guernsey many years ago. HMRC regard this as an overseas pension and both the annual income and the compulsory lump sum will be taxable. I also still work part time in England on PAYE. How will HMRC gather the tax from my pension? Will they…
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Freeholder has suddenly impose a management agent, increasing annual charge by over 300%
Is there anything that can be done to stop this.
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What do I need - Insurance
So, I have a small Hyundi classic, rural driving, circumstances mean that I stay local ie no more than an hours leisurely (I hope) drive. I've had a quote better than the renewal but it depends on how much I need. Included :-Windscreen cover Uninsured driver promise Courtesy car while your car is repaired by an approved…
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5 OS pleasures in your day today - part 3
Ok I'm diving in as I've noticed several of us have lost posts we thought had posted, and there now seems to be a serious risk of losing the whole thread. So thanks for the heads up Karcher. (and i sympathise Frith - i too like to nip back) I've revisited the first thread of our part 2, posted 28th October 2009. It said:…
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£125 for existing Raisin customers who put at least £10,000 in a fixed-rate bond
You need to have an active savings account https://www.raisin.co.uk/summer-loyalty-bonus/
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Grant of Confirmation
Hi, I’m trying to fill in the form for Grant of Confirmation for my dad’s estate (C1). I’m trying to do this on my own without a solicitor. I think I understand the main issues, it should be such a simple situation, but what exactly to put on the form is driving me crazy :mad:. Would be grateful if anyone could help.…
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Fuse Energy & OFTM Reviews please ⚡️
Do you use Fuse Energy? What do think? How is the customer service? The App? Billing? Please let me hear your reviews. I've read the previous threads, Trust pilot etc. I'd like to hear from current or previous users. I'd also like to hear the same about Outfox the Market? It's time for me to divorce 🐙 It's been a long time…
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We will get this debt down & the savings up
Several years ago I joined MSE with a different user name, but then it all went a bit wrong with losing job and other things, so I sort of fell by the wayside. Now I have created a new profile and am starting again with more determination. I have read so many people's diaries and can see that it helps you focus and it is…
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Renewables: "talking 'bout my generation"
Please forgive the corny thread title inspired by The Who but this post on the bloated 'how do I make the most of it' thread prompted me to initiate a new one... Well, there was yet another misty and bleak start in North Notts today (Thursday), but my SSW 3.92 kWp system was generating around 3kW for just a few minutes…
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£63 a month! Can I do better?
Been with sky for many years, my contract ends on 19 September. I have Sky Broadband Superfast and Sky Talk Anytime Extra "67.0 Mbps Average Download Speed, Unlimited Downloads. Includes Line Rental". They want to increase it from £58 to £63/month. Can I do better than this? I rarely use my landline now so not making any…
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Parental home proceeds to children via surviving parent
Mother sold the parental home on step fathers death (below IHT threshold) and shared part proceeds with children (30K each) just under 3 years before her recent demise. Whilst I believe such proceeds direct on death of one parent may be Nil Rate, this was indirect? and may be seen as PETS (potentially Exempt Transfers)…
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Mortgage free in Forever Home :-)
Hi All, This is partly for the benefit of @Cheery_Daff who has nudged me into posting. 😊 I’m in a bit of a pickle and I need to get on top of it
before it becomes any more serious. I am inherently a spendthrift, it’s always has been my way. In
my 20’s I ended up in a lot of debt relative to my income which I…
