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Irresponsible lending
im not sure if this counts as irresponsible lending case. I have bipolar and was unwell at the time of taking out a loan. I was given a £6000 loan with £8200 to pay off including Interest. I was a monthly payment of £339 over 2 years. I managed to pay 3 months of this but ended up in Korea debt using credit cards etc. they…
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Need to buy suitable socks for use with work boots
I wear work boots for work and I need to buy some socks, looking for reccomendations please.
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Trading 212 cash ISA transfer out
Hi am trying to transfer ISA from 212 to moneybox. Moneybox is asking for the account/reference number and sort code for 212. I've tried the "account" number and the cash ISA ID number with no success. Can anyone help? I'm sure they do this to stall you or make you feel like giving up
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Redemption - The journey of a recovering gambling addict.
Ok. Here goes. This is my journal on my journey to redemption. First post is to outline my current situation. Salary- £75k + Married Two Children Personal Debts Bank Loan 1 CAR - £20433 - £352 4.3% Debt Consolidation Loan £10,344 £153 5.2% MBMA - £4300 - 0% 14 months NatWest £3000 - 0% 12 months I have told my wife…
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Metro Madrid Airport to Centre One night
We are doing a one night stopover in Madrid. So going from the Airport in the evening and back the next morning From what I have read? You cannot just buy a single ticket. You need to get the Multi Public Transport Card in advance & then load it with a single journey ticket Their…
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Will I ever be able to receive backdated child benefit for previous years?
Hello, I've just realised I could have claimed child benefit for my son last year (I stupidly cancelled it due to my husband earning £57K in 2023-4, because I didn't know that we could have kept it and just paid the HICB Tax on the £7K), and my daughter since she was born in 2021. I just called HMRC reinstating the benefit…
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Personal Savings Allowance not deducted from income on self assessment
Why has my self assessment not applied my personal savings allowance, which I believe should be £1,000 as a basic rate tax payer, to my tax calculation? All the savings interest I have declared has been added to my income, with 0% deduction applied to the amount. My total earnings are approximately £26,000, with…
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Together Money Mortgages
Hi, Does anyone have experience recently of this company? The buyer at the bottom of our chain is now using this company. The rest of the chain have been ready for 8 weeks now & we are still waiting. A month ago we were told they had been issued a mortgage but they needed to submit extra documents. This was done & then it…
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Felt threatened by Evri courier but can't get through to Evri
Confronted the Evri courier today after a spate of crushed packages, incorrect deliveries and today, the sound of a package hitting the door, clearly having been thrown from the street to the doorstep. It was the last straw so I opened the door and asked the courier to not throw packages. He denied it and I repeated my…
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Heating issue in empty house
Can anyone advise please. Empty house insurance stipulates heating on constant at 15’. The thermostat is on the hallway wall just inside the front door. The boiler is 4 years old and recently serviced. I understand it is a sealed system. The thermostat says the overall temperature is 15’ So I’m not sure if there is a…
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Final pay wrong?
Hi everyone, I was hoping your calm eyes could be cast over my situation to check the figures and facts please. I have checked out the ACAS website and am still fuming. I started work on 16/09/25 and was told I was sacked on 05/11/25. I had taken one day holiday on 10/10/25. I started on £15.00/hour and from 06/10/25 I was…
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Sick pay entitlement confusion
Hi all I have been off on sick leave since May 2025, I was being paid company pay until July 2025 and then moved on to SSP. My contract says I am entitled to 13 weeks full sick pay (CSP) + 15 weeks SSP. Does the 28 week clock start from when I was first moved to SSP or from when I was first absent which was in May? Thank…
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Santander urgent help/advice needed
Long story short my daughter needs to provide a statement to prove her wages have gone into her account today - needs to show her name and address so mobile app only shows previous statements without the transaction she needs on it - the nearest branch is miles away - are we missing the ability to do this with online…
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According to BBC - "Household energy bills to be cut - OBR report"
On live updating news - as OBR releases 35 mins before Reeves due to stand up in WM. https://www.bbc.co.uk/news/live/cy8vz032qgpt"Household gas and electricity costs will be lowered through cuts to green levies on energy bills, the OBR report says. It will cost around £2.3bn, the OBR forecasts." Lets see if it is actually…
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Shoddy Service from Fortnum and Mason for gift
Morning, I ordered a gift from Fortnum for a friend of mine (it was a thank you), when it arrived she was very happy with what had been delivered - however her Daughter knew what i had sent to her mum and asked where the wine and such was - it was then that they realized that the wrong order had been sent to them, although…
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Keeping afloat till I can get round to the debts!
So here goes with a brand new diary. With the financial situation across the country as it is I'm going paycheck to paycheck and debts seem to be going up not down. It's time to take stock. Focus on the money actually lasting the month and forming a new plan. I've never been one for following the American debt fella but I…
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Spendy Wendy to Saver Savvy
After lurking for what seems an age, I have finally created an account and started to interact this forum :) For years I feel that we have been flying by the seat of our pants, not planning in advance, using savings and investments to pay for holidays and other luxuries and just not really having control on our finances.…
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Money market rate
My short-term Money market rate within interactive investor is showing as 4.51% but this is performance over the last year rather than what it is doing right now. If I check the 1 month total return, it is showing 0.35%, if I multiply this by 12 it gives me 4.2%. Then there are the buy and sell fees to take into account.…
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Merged: Is an undertaking normal for a Form A restriction in a probate sale?
This discussion has been merged.
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Warm Home Discount 2025/2026 now being credited to some accounts.
This morning I have been credited by my energy supplier, OVO, with the WHD for winter 2025-26.It's shown here on my 'Live' balance in the 'Other Charges' as a minus - you may find that slightly confusing but it's just the way the billing is set out - Because a minus-charge is a credit. (PS. The £7.14 has been credited…
