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The Best Is Yet To Come
The Best Is Yet To Come - or so the front cover of my new diary says. I normally hang out in the debt free wannabes, but as I have had my diary on there for almost 10 year (yes the same diary), and have been debt free since April 2018 I thought it was time to migrate over to the mortgage free wannabe area. Please be gentle…
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Jet2Holidays Free Child Places Summer 2026 on EVERY flight
Hi Forumites I hope this is OK to post - Im the Travel Agent who beats prices on the Beat My Quote Thread - see link below I just thought id post that Today Jet2holidays have added a FREE CHILD PLACE to every flight going summer 26 so up to 31/10/26 If you do find a hoilday on there ?(or on TUI etc) do post it in the Beat…
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ES PARKING, GLADSTONES court claim 2025
Struggling how to word a response in to the template for section 3. Any help would be greatly appreciated. E S Parking Enforcement Ltd Parked at Holmes Mill Clitheroe Lancashire [Images redacted for personal information by Forum Team]
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Should I have paint protection on new car?
Thanks for all replies on my "New Small Family Car Suggestions" thread. Much appreciated. I have now done a deal on a brand new Suzuki Swift, and collect it next week. When I did the deal, the salesman wanted me pay an extra £695 for paint protection. I refused this, but wonder if its something I should have had? Would you…
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Ask a StepChange debt advisor a bankruptcy question
September 2021: We have started a new thread as the previous thread was becoming quite long. If you’re struggling with debt and have a question around bankruptcy, this thread is here to help. There are many trained advisors from the debt charity StepChange here on our Forum ready to answer your questions. They’re…
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Conveyancer charges for remortgaging
Hello, I would just like to gauge experience and opinion of remortgaging fees. The first time on a "fee free" mortgage a bill to the tune of £50 was charged by the conveyancer(employed by and working for the mortgage provider) for 'transferring funds' from our new mortgage provider to the conveyancer and then on to the old…
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Won a service charge tribunal case against my property management company (FirstPort)
NB: I originally shared this on Reddit and have been encouraged to share it here as well. I wanted to share this in case it's useful to anyone in the same boat, because I really struggled to find an honest account of what the process of taking a property management company to tribunal actually involves before I started.…
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APCOA PCN
Hi MSE Crew I got valuable advise with regards to challenge / appeal Apcoa Mcr Airport drop off .. It let me pay the fee but i was few hrs past deadline day after event .. I got appeal template think this one from chirpy chicken This is an appeal by the registered keeper - No driver details will be given. Please do not…
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Halving our income and still aiming for mortgage free!
Hi everyone, A long time lurker of DFW forum, and then here. Finally starting my own diary as I feel it will help keep me on track! As the title suggests we are halving our income as I have resigned my job in order to keep sane and support DD with home educating for the next year. The last two years we have managed to…
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DCB LEGAL, SMART PARKING, court claim Discontinued , Success
Hi, So, I have a DCB Legal LOC for a Parking charge that apparently occurred on 12/12/2020. I've read the thread about what to do but wanted to ask some advice. Reason being the charge is from ages ago and frankly I don't remember anything about it. They have an image of me entering and leaving which I found on the Smart…
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Pay rate is unclear?
Hi, Next week i am starting a work contract. Full Time Its 3 month contract, inside IR45. They said it was £45/hr, but then sent the attached wage breakdown. The recruitment consultancy are dealing with my pay. Do you know how much i will receive into bank account each hour? (or week, etc). It looks like i am paying into…
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Long term planning - reduce tax bill
Hi, Is there anything further that I can do to further reduce tax charges? Currently I do the following: Put the max £60k per annum into my workplace pension Use my full £20k per year ISA allowance Give my wife any spare cash to put into her ISA Put the maximum £9k p/a into my chidren's ISAs. The idea being that they can…
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Services charges on an over 55's flat
A friend is buying on these - how can they be sure that the service charges won't go increase a lot in 10-20 years?
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Scandal of Qatar Airways - no refund!
I am interested to know how to go forward on a serious issue we have with Qatar Airways. Flight cancelled 24 hours pre-departure from New Zealand on 12th March. Due to Middle East conflict which I understand. refund promised of monies paid and Avios. To date nothing has been received and many escalations and promises and…
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New rules and eviction
Just trying to understand the new rules around eviction. Relative has been renting same property for 8 years now. Their landlord was using an agent. But they've been self managing for a little while now. New landlord wants to sell and has offered relative first refusal, but due to personal issues currently can't get a…
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MSE Forum Poll: What contactless spending limit would you be comfortable with?
From today (Thursday 19th March 2026) the Financial Conduct Authority is changing the rules on contactless spending, removing the £100 limit. Instead, banks and payment providers will be able to set their own thresholds. Some banks already allow their customers to set an individual limit for those who felt £100 was too…
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NSI to Shawbrook cash isa transfer delay next steps
I set a cash ISA transfer in motion at the end of April - emailing to SB - who then confirmed receipt and that they'd emailed it onto NSI. Was surprised to see the funds had left my NSI by the end of April - so expected it to be "plain sailing" afterwards and be well under the usual 15 days - having done those steps above…
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SMI for under 18
Hello all. My son has a severe mental impairment but is only 8, would we be eligible for any council tax reduction given his age? It is unclear on my LA's website and they closed my query without explanation so I am currently none the wiser to if it is worth pursuing. Thanks.
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Admiral default notice, what do I do?
Hi, I had a payment that was due on the 20th of February. I miscalculated and didn't realise I didn't have enough in my account for the payment as something came out the day before which I forgot about, I got an email today and called Admiral up straight away and made the payment. I have never ever missed a payment on…
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Clearpay
My son is being cared for under section 3 of the 1983 mental health act. He is in secure accommodation in [Removed by Forum Team]. His is suffering a major manic episode as a result of his bi-polar condition. He has no in-sight and cannot manage his financial affairs. Clear pay have recently allowed him to sign up for a…
