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PCP Advice needed !
Hi, I’m after some advice re a PCP finance deal. My present deal ends in February 26 with approx £3000 outstanding. The car is in negative equity to the tune of approx £1000. The mileage is significantly over too due to taking car when I had a short commute, within 2 months I had been made redundant and found work 25 miles…
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Winter Fuel Allowance and HMRC
Can anyone confirm if you have to inform HMRC when you opt out of Winter Fuel Allowance? I have opted out but don’t want to find my tax code altered next year due to DWP not speaking with HMRC. One would expect that two Government departments would share the information but I’m not convinced that will happen!
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Base rate held at 4% – here's what it means and when it might change
The Bank of England has held the base rate at 4%. We explain why, the latest predictions for when it might change, plus what it means for your mortgage and savings... Read the full story: Base rate held at 4% – here's what it means and when it might change If you haven’t already, join the forum to reply.
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Energy suppliers and the £400 grant
Are they basing their direct debit amounts for new fixes Inclusive of the monthly grant or are they ignoring it, in which case winter monthly DDs should be £30+ lower?
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Section 75 query (following successful claim)
After causing me nearly £400 of expenses, British Airways refused to refund them. They did not contest that their lack of duty of duty of care caused the extra expenses, but stated that they didn't believe they should pay me back. So I made a Section 75 claim with my credit card company (not a chargeback). The amount…
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Delays for P55 tax refund from HMRC
Hello I took a flexible drawdown pension payment end of June and submitted a P55 first week of July, by post. HMRC's Government Gateway was saying to expect a response within 30 days. To date I have heard nothing regarding a possible refund and when I check for an update it has each time pushed the expected due date back.…
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FIXED PENALTY REFUND
Hello, this morning I have received a refund from a fixed penalty I paid back in august for a speeding fine. Does anyone know why this may be? I know you don't have to send off license anymore and to be honest I was never asked to send it back. I'm absolutely bricking it!
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Bright app down ?
As title ,my Bright app is not showing any data since early hours of Thursday morning. Meters are reporting as expected to my supplier ,Fuse.
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Bailiff/enforcement letter sent to my new address — tracing que
Hi everyone — I’ve just received a letter from Bristow & Sutor (enforcement company) addressed to me at my current address a couple of weeks ago, about a penalty charge notice for a council I don’t live in. Quick background: I have lived at this property for about 15 months and it’s mortgaged in my name. I updated my…
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Does EU261 cover extra costs of rebooking ?
KLM bounced us off an overbooked flight to Japan from a uk regional airport. there was no acceptable alternative flight so we cancelled and KLM immediately refunded original ticket cost. We were able to rebook with another carrier but from Heathrow. KLM have paid the EU261 compensation of £520 each. But are refusing to pay…
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Best way to buy a house in another part of the country that you intend to move to?
Hi All, (Posting on behalf of my sister). My sister is expecting to come into some money and combined with a mortgage thinks she may be able to finally buy a house. Unfortunately her budget is modest and she currently lives and works in Kent, with her partner and two kids. They realise that they might only be able to…
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Martin Lewis: Car finance mis-selling help – your questions answered
The financial regulator has announced its proposed car finance mis-selling redress scheme, with an average payout of £700 likely to be due on over 14 million car finance agreements made between 7 April 2007 and 1 November 2024. MoneySavingExpert.com founder Martin Lewis answers your questions about the scheme on the latest…
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More money requested as a condition to complete the work
Newbie here, with a Roofer issue. Thank you for reading, sorry this is long. We accepted a quote of £27500 for ridge tile work to be done on our roof, work on Fascias and guttering and had express the wish too have the scaffolding erected so I could paint our windows this was accepted as it made sense. The quote specifies…
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Toob installation- bodged. Can I claim compensation?
Toob recently installed internet at my house. The installation guy/ idiot, cut my aerial cable outside and again inside. The inside cable was fed under my hearth tiles to conceal the cable but he cut it so close to the tiles it couldn't be reinstated. I had to get an aerial specialist to reinstate the cable but he had to…
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Nifty November's No-Spend Days Challenge!
Welcome to Nifty November's No-Spend Days Challenge! This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change…
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And now we go again...
...new diary title taken from the line I had already added in to my signature! Regulars will already recognise me - I've been here a while, although aside from one fairly short stint always on the DFW boards. A quick summary of our MSE history for those who have not stumbled across me before though - started out with a…
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Best free alternative to Word?
My year's free subscription to Office 365 is nearly expired, so I'm in need of a free alternative to Word, purely for creating letters and documents. I've previously used LibreOffice, but are there perhaps alternatives nowadays that are worth checking out?
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National Insurance credits while not working
Hi Everyone Some advice if you can. I ran my own business and have now stopped working and closed the business. I am not drawing a pension and am livinig from savings currently. I have three more years to fill for a full NI record to max the state pension. Can I gain credits for the next 3 years as I am not earning and am…
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"Small Pot" benefits question
A question I have on 'Small Pot" pensions. I have just handed my notice in at work (3 months notice). At the same time they have transferred to a new scheme provider. So if I do nothing, and don't combine the two pensions I will likely end up with a fund at retirement of less than £10k, so a "small pot" I think there are…
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Aviva Savings Gift card
Opened a savings account with GB bank via Aviva savings back on 23rd July.Put £10000 in and supposed to receive an email to pick a £20 giftcard but have had nothing.Rang Aviva a week ago said i should get one within a week but still no email. Has anyone on here received one or had their giftcard. I am going to have to ring…
