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MSE Poll: Are you spending more, less or the same on Christmas this year?
With the festive season in full swing, many of us are feeling the pinch of rising costs – but others might be finding ways to cut back or keep things steady. From gifts and food to travel and decorations, Christmas can quickly add up. We’d love to know how you think your spending for this Christmas compares to last year.…
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I don't understand the appeal process
Hi I attempted to trace the landowner but the local shop and the head office refused to tell me/didn't know. It's a parking eye car park. I am appealing and I read here that I should appeal as keeper, not driver. There is a tick-box saying: I confirm I have attached all supporting information available to me, and…
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Best data-only sim for 4G router
I've recently purchased a Cudy LT300 4G router from Amazon for backup purposes. Here's the problem - I acquired a sim card from Smarty and purchased the £20/month unlimited data-only plan but the speeds are so diabolical. Lucky to get more than 2Mbps down on a good day which makes it unusable for most things. I actually…
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Need Help On Selling Canadian shares
I am a lifelong UK resident & a shareholder in
Great-West Lifeco having acquired my shares when they took over the UK life
assurance business of Canada Life (whose shares I had post-demutualisation). The shares are in certificated form and are listed on the Toronto stock exchange (TSX). I wish to sell my shares but I can…
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Received a Claim Form from DCB Legal on behalf of Euro Car Parks
DCB Legal are claiming on behalf of Euro Car Parks for an incident where my partner paid for her car parking ticket but left slightly after the parking end time that was displayed on the ticket. I recently successfully defended 3 PCNs in court for a road which claimed to be a car park thanks to help on here. This is a…
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property trusts re home insurance
i would like the MSE website to make its users aware that many insurance companies will not insure homes that are partly or entirely the subject of a trust agreement.My mother has been insuring her home for the last 10 years without knowing this and should she have had a claim,she would not have been covered!She only…
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Utility destroyed my credit rating
Im with for a few years now and pay the bill when I recieve it via post. Im due to renew my mortgage and decided to look at my credit rating. It went from excellent 900 to 540 poor due to reporting late payment a few times during the 2 years period. I never signed a contract with them and never consented to them accessing…
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On track to retire at 50? Pension diary
Hello all, After moving into our new family home and having our first child soon, I have spent some time looking at pensions to ensure they are on track. I spend a lot of time supporting charities and would really love having the option to retire at 50 to focus more of my time supporting them. I would estimate that with my…
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Old Style Daily Tuesday 23 December 2025
Morning all. Have great days. I’ll be back sometime tomorrow. 🏥❤️
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Clearing 17k worth in debts in three months! Will this fix my score so I can get a mortgage
Hello All I have been in debt for a while now due to some bad financial decisions made years ago. I'm working full time and have been living ok, interest on credit cards is what made it harder to pay off. A few months ago I opened a business on the side and it did very well that I am in a position to clear my debts. Issue…
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Toluna payout timescale
Does anyone have recent experience to comment on how long Toluna take to pay out to PayPal after a request has been submitted? The Toluna website tells me my request is in process but there is nothing to say how long they take - either that it is at a particular date in the following month or within a specified number of…
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New bank account and credit rating
A lot of the best savings accounts require you to open a bank account. If I were to open a new bank account would this affect my credit rating. Thanks.
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Care Home Fees
My Mum has been in a nursing home for a number of years. The debt now outweighs her assets. Her flat has a charge so is being currently sold. My question is: How much money can be left in my Mum's estate, that the care home or local authority cannot touch? I have been given figures ranging from £23,000, £14,000 and Zero.…
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DCA Car finance claim
We put a complaint forward when Martin had brought this first to light last year about the car finance and how we could see if we were owed anything. We have just had an email back from Black horse today to say that they have not found our agreement involved in a DCA, so they have not logged a complaint. Obviously we are…
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Night light rechargeable
I'm looking for a sensor night light that will recharge. I'm looking to use it at night in the bedroom where there is no socket suitable. Is there such a thing. The one I have, HAS to be plugged in.
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Child benefits after divorce
Hi i am new here i have a situation hoping to have information from here… my child is 4 years old she hold Romanian passport and settled status in uk(indefinite) i have been divorced after divorce I applied for retained to reside in uk the gave me again pre settled status…… i have received child benefits before divorce its…
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Relationship breakdown and mortgage question
Morning all Unfortunately, a family member has reached the end of the line with her relationship. She has been with her partner for 10 years(unmarried) and has a 3 yr old child This is the situation and wondered if anyone has been in a similar situation and can offer some hope and advice! My husband and myself have advised…
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TR35
TR351 1/8% I-linked Gilt 20351.125%22-Sep-20359 years 282 days£95.96 £100.112 1.573% Could someone clarify with the above IL gilt, it would deliver CPI + 1.125% (compounded from inception, currently 1.573%), each year until 2035 ...and I don't need to concern myself with clean or dirty prices if I buy say £10K worth.…
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"ESA Payments are Ending." is this a scam?
Hello, I received a text message, supposedly from the DWP, on 21.11.2025. This is all it said... To be clear, I did not receive anything in the post before or after this text message. I am currently on EESA, which to my knowledge, is not due to be migrated to UC, unlike Incomes-related ESA. Can anyone confirm whether this…
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Has Vodafone £12 Social Tariff Ended?
Hi all, I took out the Vodafone "Full Fibre 1 Essentials" £12 Vodafone broadband social tariff last year and i went out of contract on 23/05/2024. After this date i have been out of contract and lost the social tariff discount of -£10 so now on £22/mth. Unfortunately i missed the email about renewing my plan when it was…
