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Multiple 0% interest balances -- why isn't MBNA crediting payments against them in order of expiry?
I have two 0% promotional rate balances on my MBNA credit card. One of the promotional rates expires in March and the other expires in August. I have over the past few months been making payments to MBNA on this card, and I assumed that they'd credit my payments against the balance where the 0% rate expires in March.…
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Unable to pay back Debt
Hello, I am a 28 year old working professional with at least £25K through credit cards, car loan and other debts like PayPal credit, Very, Novuno etc sitting on my head. I have been making minimum payments for a year now and now unable to make those as well due to changes with my salary compensations. I am worried about…
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Opening a bank account as a gift to someone
I'm wondering if there is a way to gift a bank account to another person or organisation? As a school/parent community we would like to have an account for our teachers so that we can donate money to their fund throughout the school year. Not for the school but specifically for the teachers. We'd like to explore this as an…
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Awful weather - typical Brits talk
Well it's been downright awful here in Somerset for the last couple of days with non-stop rain! Just wondering how committed you lovely peeps are... have you been put off by gardening when it's raining? Are you a shrinking violet or a hardy perennial? Just a light hearted thread ☔🌧️
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Private parking ticket
Hi. I wanted to get an idea on how likely a popla appeal will be successful. I rented a flat which has an associated parking bay since Sep 24. The building has both on street and a gated parking areas. I was away and when I returned I found 3 tickets saying that I'm in the wrong bay and my parking bay is in the gated area.…
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ESA/UC transitional protection and other points of confusion
First some context about the lead up to the situation I could do with some help with. I have been on ESA Support Group since 2010 when I stopped working. I received the Special Disability Element (SDE) top up from 2018 when I began receiving both PIP components at the enhanced rate. My wife began receiving ESA Support…
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Estate Agent
When to have a discussion with the estate agent if there is only 2 viewings in the past 3 weeks? and I am now regretting using this branch.
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In a rush.
Morning. I've been here before, but deleted my account as I probably overshared and then panicked that somebody I knew would read it. Me in a nutshell..... 2010- left my children's dad. He was abusive. Walked away with all of the debt. 2016- Had to sell the family home as I could no longer afford to maintain it or pay the…
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Sick leave calculation - confusion on mutual termination
My wife was subjected to unfair dismissal last year and we have a September 2025 hearing at the tribunal. while i would have fought this my wife can no longer handle being associated with the company again as her mental health has deteriorated. We have negotiated to settle out of court so that she can have some relief. The…
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The all new using what you have from your Freezer, Cupboard or Shed (Barn)
It is probably time to have a new thread for this. What do you have in your freezer? In your cupboard/shed? Do you have a veg patch or allotment? What did you manage to store, preserve or freeze? I, myself, like to cook following a recipe, but love to add veg from my allotment!
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WhatsApp - please can someone help!
Hi all, Really hoping someone can help me with this one. My fiancee borrowed my phone over the weekend - better camera, seeing Beyonce and an assumption all this was quite straightforward! We switched our SIMs into each other's phones. When we swapped back, my account was not right. No profile photo and my partner was…
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Home security cameras - Tapo, Eufy, AOSU
and others too I suppose but I'm specifically asking about these - and no this isn't a what should I buy thread as I've already bought. Ideally I would have all one brand & then it's just the one app for everything but for cost reasons I've ended up with cameras from all 3 brands. We started out with indoor Tapo cameras…
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I have a plan - so everything is fine
First of many posts….Currently I’m 49k in unsecured debt. I’ve posted SOA and had some support and so I’m going for a DMP. This was back towards the end of June/July so thought I would post what’s happened and where I am. So my SOA compared to today…..isn’t it strange that in my head I was thinking I was paying £1400…
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Which offer to accept?
My property has been on the market for under a month and the asking price is at the lower end of of similar properties. My agent is not a fixed fee and their fee is due even if the sell does not complete. I had 3 offers which are all under the asking price of varying amounts. 2 are FTB and 1 is selling and currently under…
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Starting a business to help people save money
I live in an area with a lot of elderly people who I'm assuming will not be getting the best value for money in a lot of areas of their lives. I'm planning on starting a small business to help these people and to make a little for myself in return. Ideas that I've had so far are: * Buying a thermal camera so that I can…
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Bonus paid, NI & Tax.
This is the 2nd time I have been paid a ‘bonus’. The first time I got cash but this time my boss had paid me this with my wages. How do I work out how much I’ve lost due to NI & Tax? The amount paid is £320, my tax code is 1277L and my gross pay was £2518.80. Thank you.
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Leeds Bradford airport no stopping question
Such is my luck. My car was used today to drop two people off at Leeds Bradford airport. Unfortunately they took a wrong turn, and ended up in the meet and greet carpark. They stopped and the passengers got out. Then drove through the meet and greet carpark to exit as he thought it would be better than reversing back out…
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Damaged Installation of ASHP
Good morning I recently had an Air source Heat Pump installed and the fins was damaged on completion. I notified the company and an operatives visited and tried to repair them. A small amount was not repaired due the excess dent, they explained this will not effect the performance or any warranty etc. I asked for this to…
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X-O (Jarvis) online platform to close in the summer
Most accounts (including ISA accounts) to transfer to Interactive Investor. Information here:- https://www.x-o.co.uk/faq.pdf
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Help with maximising my savings
Hello. Im looking to save a deposit for a shared ownership home. Ive given myself a 2 year target and a aim of £8k its going to be tight for multiple reasons so i need to try and maximise my savings. Sadly i cant have a lisa and im now just list in a sea of savings accounts currently putting £50 in a help to save account…
