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Defence of court claim with Minster Baywatch / Gladstones
We have received a court claim for one of our company cars. The issue date on the claim form was 10/11/2025. I submitted the AoS 24/11/2025. I've read through the forum advice (several times), but I'm still not confident on my defence. I've copied and pasted what I think is the correct defence template and included para 3…
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TransUnion Credit File Not Recognised
After quite a fight, I managed to get sight of my TransUnion credit file by going to them direct. MSE Credit Club keeps saying the details don't match, so it can't be shown. I tried to delete all my MSE accounts and renew all the data but it hasn't helped. It's possible that some of this came about because the Christian…
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Fault on 2nd hand car - who pays diagnostics
would appreciate some advice. Bought a 2nd hand car. Light has come on after 2 months, need diagnostics. I have a platinum warranty, they don’t take responsibility for initial diagnostics but will refund it if fault is covered. Retailer says they will repair but initial diagnostics is down to me. is this correct within the…
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Post Completion - Delays
Hello, I bought a freehold house on a estate in July 2025. It was a cash purchase (cash
in the bank) and the seller was a national housing developer. They bought the
house in December 2024, as part exchange for one of their new homes. I used the
solicitor they recommended (I was told they had experience in such…
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Mortgage Free in the slow lane
Hi all, I have been enjoying reading the diaries so much, I thought to start one for 2026. We are a family of two parents and our kid. We bought our forever home and now have a mortgage of 220,130, with 24 years left to go. We have offset 4500 in an investment account. Our financial goals are the following (in order of…
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Should I cancel my old credit card?
Hi, I am on disability (low income). New here, bear with me. On my RBS credit app it says that having a credit card limit of above £4K would help improve my credit. My credit is currently in the 'Excellent" category for all three bureaus. I just wanted to pop it up a bit as the advice was to get a higher credit limit over…
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finally can see some light
Hi everyone, Just thought Id post and see what people think. Last year I sold my house and bought a lovely bungalow and reduced my mortgage by around 100k. I previously fixed for 10 years at 2.79% which runs out in Sept. at the moment the mortgage has 11 yrs and 11 months to go and the repayments are £304 a month ( down…
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Halifax/Lloyds closing my account in 60 Days!! Extremely worried about CIFAS
hi all, I’m in a very distressing situation right now. I made the mistake of transferring my wages and savings to Halifax as I wanted to start fresh from my other bank account with HSBC as they aren’t the best in my opinion. I made the mistake of transferring money to my Monzo to pay off my Monzo flex and then decided I…
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Defaulted during Loan companies own breathing space
I phoned up a loan company I owed and asked for breathing space. I was not aware that you had to get a debt advisor and ask for a legal breathing space. They confirmed the 60 days and I had no contact with them within that period. I paid off the loan in full in two separate lumpsums, 35–38 days after coming out of…
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UK sole traders: what admin task steals the most time each week?
Hi all, I’m researching workflow friction for UK sole traders/non-employing business owners basically. Where time gets burned during a normal week. This is not a promotion. I’m trying to understand the real day-to-day reality before building anything. Would love your input: * What part of running your business steals the…
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Tax on state pension in first year - again!
I submitted my SA online earlier this month and HMRC have
sent a letter stating they have changed the SP figure (increased by one week of
pension income) for the year based on their (presumably DWP provided) records.
Consequently they have increased the tax
due by Jan 31st (also increasing the tax on account for next…
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TSB monthly saver
Do the monthly payments have to come from TSB account or can it come from external account? Many thanks
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Smart Meter not working over a year.
As I understand it, we don't have to pay for unbilled energy over a year old. My smart meter has not been submitting Gas readings since it was installed and the bills are estimated (electric is OK). When it is eventually sorted out and properly billed, so of the energy used might be from over a year ago. Does that mean…
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How to find a copy of aunt's lease
Hello, @eddddy kindly helped me to help my 88 year old aunt extend the lease on her flat last year. When I went to see her May 2025 she said her solicitor told her the extension had been granted and she paid the £10K to her freeholder. I have asked her recently if she has received a copy of her new lease but she said she…
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The Diary Of Onebrokelady Aged 60 And A Half
New Year new diary 😀 erm that's all I've got to say 😂😂
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EV dock parking ticket from Parking Eye - Holiday Inn Preston Tesla Charging point.
Hi All I have been sent an invoice for charging at the holiday inn at Preston , it's the exact same location as reported in this thread https://forums.moneysavingexpert.com/discussion/6626741/pcn-from-parking-eye-from-holiday-inn-preston-south-company-car/p3 On this occasion the driver coudn't leave the vehical while…
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Dehumidifier advice following building works, please
Hi, recently had a conservatory with a concrete floor replaced with an extension (3m x 5m). This was open to the elements for around 3 weeks in November/December and I am trying to dry out the floor and newly plasterboarded walls. I have currently got a Meaco dehumidifier in there, which is slowly helping, and now the…
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Mcol claim
Hi hope you're all well, does anyone specialise in consumer law that covers (I'm based in Devon) DMCCA s.228 DMCCA s.224 CRA s.49 CRA s.62 PTR Reg 11 And can give advice Can post the details here when needed Thanks
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Weekly Flylady Thread 26 January 2026
What is FLYLADY? Well, it's our version of the US flylady idea - but we work on the principle that housework is not fun, it's boring, can be time-consuming, is often thankless but, unfortunately, necessary. It's here on Old Style to provide the support we all need and to make the whole task easier and quicker. We also…
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Hotpoint washer dryer
My friend just moved in a new flat and she is not sure how to use the washer dryer. It takes over 2 hrs for a wash. She assumes it is a washer dryer but the clothes came out still damp. Thanks
