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Annual Earnings Into SIPP And Tax Relief
My friend has her own business which earns circa £18k per year. She understands that she can contribute 100% of her earnings into a SIPP to provide a pension, obtain tax relief and also avoid paying income tax on her earnings about the threshold. So 12 months ago, she opened a SIPP and funded it with her annual earnings.…
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WARNING and help?: Debenhams and daylight robbery /misselling protection
I was shopping at Debenhams online and upon checkout a delivery protection fee of £15.99 was added to my order. I did not realise this until I had checked out and paid, despite carefully reviewing my order before placing it. It must have been a ticked box somewhere, Debenhams describes this charge as optional, but I never…
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Could we start a meal plan thread again, so it's not lost in the GC?
Just thought this would be quicker reference than what's for dinner or searching through lots of posts? There used to be one a while back, Meal Plan Monday or obviously whatever day you start yours on 🙂 I did post mine in the Grocery challenge, but will post again for anybody that doesn't join in with that thread. Vegan…
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Reclaiming flight cost back from credit card
Hi all Apologies if this is not the right section of the forum, but I am seeking some advice please. I booked a flight for a group of friends through myTrip. After booking, one of the passenger noted they use their middle name as their day to day name and I had booked the ticket in this name, rather than the true name on…
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Rental help please
Can anybody help me with this question please. I am on benefits and have rented successfully for the past few years, but need to move again, trouble is my bank account is nearly £500 overdrawn. I have never missed any bill or rent payments. Will a future letting agent ask to see my bank statements, or will they just need…
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Walking into another chapter ...
Welcome one and all ... to those of you who have managed to avoid my diaries until now as well as those loyal ones of you who have stuck around over the years, thank you :) So another year is about to begin and now seems as good a time as any to start a new diary. This will be my 11th (I think?), I've been around here…
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MSE Forum Poll: What’s your preferred way to sell unwanted items?
Getting rid of clutter is a great way to reclaim some space in your home, and if you can make a little bit of cash doing so then all the better. What's your favourite way to flog any bits and bobs you want to get rid of? Are you an enthusiastic eBayer? Favour Facebook? Vote in the poll then share your thoughts in the…
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£25 Amazon gift card for opening a Santander current account (Starts 28/01/2026)
New £25 Amazon gift card offer launched. Can be withdrawn at any time. LINK - taken from MSE for opening an Edge Current Account. LINK - taken from TopCashback for opening an Edge Current Account. Here you can get your Amazon £25 gift card AND £20 cashback. Additional T&Cs apply if going through TopCashback. Click on the…
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Driving licence renewal - the DVLA and GOV.UK online labyrinth, and its pitfalls and options
I am over 70, so I have to renew my driving licence every three years. My current licence expires in January 2026. I have just received by post a copy of the D46 licence-renewal application form. That paper form is for completion and return by post; but it encourages people to apply online instead via the www.gov.uk…
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NEWBIE - CCJ Defence Needed - Moorside Legal (NCP Parking)
Hello all, I've read through the
newbies thread and seen a few of the examples of successful defences against
unfair parking charges. I've been served a CCJ (Issue date 21st
MARCH 2025) and have written a defence using the resources on here and several
other similar threads. I have no experience in this area but felt from…
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Old Style Daily Saturday 31 January 2026
Morning all.
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(Was CST Law) but now DCB Legal for Smart Parking
Hi all, I had a car parking fine from Smart Parking last year. I have had a few letters from DRP Ltd, almost all of them were identical, I ignored them all. This week I got a letter from CST Law. What course of action if any, should I take now? Many thanks in advance.
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Ovo Energy - demands for payment for previous occupier. I am an Octopus customer
On 29 December 2025 I sent an Official Complaint under the Protection from Harassment Act 1997 to Ovo Energy stating that I have never been a customer of Ovo Energy and that they must stop sending threatening letters and demands to the "Occupier" at my new address. Ovo, in an auto reply, said that they would respond to my…
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Id mobile issue
Hi, I bought my husband a new phone for Xmas, not realising the sim was same we got new number. Were all with id mobile sim deals in the house so assumed I could still port number. But no. I can't so on discussing only via Web chat which is crap they said inter company numbers is not possible. So I asked fir new sim for…
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At wits end..... c.30K HMRC debt - no idea what to do...
This will be long, and may ramble, but my brain is in bits over this... flicking from "it will all be fine", to circling the drain of despair... i have also done a fair bit of 'ostrich approach' but sadly it isnt going away. Arguably should have posted this a year (plus) ago and it could be in the HMRC section of the forum…
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NCF Living
I ordered 2 sofas from NCF living in nova 2025, i paid on my credit card and i received a text message from the delivery company furdeco for dec 4th. The day of the delivery i received a 2nd text saying the delivery couldn’t go ahead as ncf had sent furdeco a 3 seater and a 2 seater when my original order was for 2 X 2…
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Housing association rent arrears
Please can i get some advice, I have been a tenant with the housing association Leeds federation for over 20 years. I live in a 2 bedroom property and i have rent arrears due to the bedroom tax, but i have been on disability benefits for about 18/19 years. I was never informed by the housing benefit or the housing…
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INC vs ACC - are my sums right?
How do you estimate what income you'll get from INC versions of a fund, vs the ACC price. All my S&S are in ACC funds, and thinking of switching, but have I got the maths right. (appreciate this is all "in-hindsight" not what will happen) Take my HSBC Global fund The ACC version was at 273.52 in Jan 25 and now 296.65 The…
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Lebara Contact Form Not Working
We've got an ongoing Vodafone outage (36 hours and counting) and wanted to talk to Lebara to see if they had any idea how long it was going to last. I tried talking to a human but got a person in an Asian call centre who didn't seem to understand English. So I tried the online contact form. When I described the problem the…
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Main dealer 'drive away 5 day insurance'
My daughter is purchasing an approved used car from a main VW dealer this week and they offer 5 day drive away insurance which we intend to use to get it home and it gives us time to sort out a policy. I am sure the answer to my question below will be yes so this is a double-check/sanity check. With this in place is my own…
