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Letter Before Action - Was delivering meal to resident at assisted living
I have an ongoing thread where I filed our Defence and we are waiting for a reply (https://forums.moneysavingexpert.com/discussion/6626484/defence-review-requested-following-claim-form-was-delivering-meal-to-resident-at-assisted-living#latest) Now the same company (Civil Enforcement) have sent a 'Letter Before Action -…
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Blink doorbell problem
I have a Blink doorbell as well as a sync 2 module. The problem is that when motion is detected or someone rings the doorbell the notification is delayed for up to 5 secs before my phone receives it. Anyone else have this problem, or suggestions on how to remove the delay.
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Daisy's Debt Free Diary [30F/Autistic]
Hi everyone! After spending some time lurking and reading other DFD's I've decided to start my own to track my journey to becoming debt-free. Right now, my total debt sits at £3,124.06, spread across two CCs: * Card 1: £826.70 (0% interest until 8th September 2025) * Card 2: £2,297.36 (0% interest until 17th January 2026)…
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Gas boiler - Major service
It is that time of year when the central heating/boiler questions get going, so here is a starter for 10. We have our WB system boiler serviced every year. I know that many think it is not really necessary once out of warranty, but it is 9 years old and has never broken down, so who knows. The Gas safe guy who did it said…
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just registered for self-assessment tax and logged in to find late return showing for 2023-24?
I've just registered for self-assessment tax for the first time as I made more than £1000 completing surveys on Prolific in the 2024-25 tax year. I've logged on to the HMRC website to complete my 24-25 tax return and in addition to the 24-25 year it is showing a return to be filled in for 2023-2024 which is marked as…
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Delayed train travel with Advance ticket via different operator?
I buy an advanced ticket from station A to station C, meaning only valid on the specified/timed services. This involves changing at station B. But the first leg of the journey, A to B, meets delays en route. As a result, I arrive at B too late to catch the specified B to C train. I'm entitled, I believe, to catch the next…
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Battery Electric Vehicle News / Enjoying the Transportation Revolution
I thought a more specific thread/title might be useful for posting news on BEV's (and EV's in general), given that we have threads to discuss the minutia about EV ownership, but perhaps a thread just for the news might be useful. Disclaimer from the start, BEV news can easily become Tesla heavy, so posts, especially mine,…
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Manzur High Court Judgment
Have we done this yet? https://www.lawgazette.co.uk/commentary-and-opinion/what-the-high-courts-mazur-ruling-means-for-non-qualified-staff/5124624.article Basically means firms cannot and should not be using unqualified staff to conduct litigation. They can only support qualified solicitors. So the business model of DCB…
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Best Sim-only Deals guide Discussion
This thread is specifically to discuss Best Sim-only Deals Click reply to discuss or ask a question about this article click reply
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Student Loan Plan 2 Repayments Plan Help
Student Loan Repayment – Advice Needed * Age: 24, graduated in 2022 * Loan balance: £49,000 * Current Interest rate on student loan: 3.2% * Interest added so far: £886 * Salary repayments made thus far: £1,600 * Current income: ~£50,000/year (likely to increase annually over the next 20+ years) * Sector: Account…
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Great British Invest off or Passive V Active Updates
For those who are curious to compare their Passive or Active investment strategies I'm starting a new thread today with monthly updates (Bottom lines only in £). For details see https://forums.moneysavingexpert.com/discussion/5719517/great-british-invest-off-or-passive-v-active-discussion Monthly updates on portfolio…
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Unit trust transfer to grandchildren
I have 4 grandchildren (ages 9,17,19,21) and I’d like to transfer ownership of these Unit trusts to my grandchildren- this I can do for the 19 and 21 year old but not the other two. Should I transfer the Unit Trusts to my daughter (high tax payer) or find some other way to pass the money to my other two grandchildren?
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I'd like to go bonkers with a kitchen refurb.
What are the chances of achieving this kind of finish on the doors? Or, more to the point, how?!
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PRIVATE PARKING SCRUTINY AND ADVICE PANEL FEEDBACK
http://www.ppsap.org.uk
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Granite Work Tops. How are they fixed/bonded/glued? How do we 'unfix' them?
Hi all In our house we are changing our worktops because one of them was badly damaged (by us). The Granite worktop company have been out to measure up. In the meantime, our drier has broken and we need to replace this built in drier . Bizarrely...yes I know that this is unbelievable... but when we had underfloor heating…
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Recommend travel to London from Nottingham
Looking to travelling to London for three nights in November travelling Sunday 23rd coming back Wednesday 26th . We are looking at options of train, coach or car and driving so far down leaving car in a secure car park and going the rest of the way on the train/ tube . Any recommendations greatly received for train…
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Creating my own All-World Tracker with AVIVA
My pension has recently been transferred to AVIVA, and I now have more control over how it is invested than I did before. Ideally I would like to invest all of it in an all-world tracker based on something like the MSCI ACWI, which according to https://www.justetf.com/uk/how-to/msci-acwi-etfs.html is a combination of the…
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Buyer beware! Delivered = Not Delivered
Buyer beware! Delivered = Not Delivered Second time I've been scammed like this Just ordered some bulk coffee pods £40+ (currently £60 on Amazon), received with only 2 days date on. Returned these. Got a refund a week later. Fine. I guess? Found a different seller, confirmed good date, ordered and paid. 3-5 days delivery…
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A Totally FREE Christmas 2025
I thought it might be interesting and worth while to create a new thread: A Totally Free Christmas 2025 A totally FREE Christmas involves some gifting sacrifice, recycling & upcycling the old, online cashback sites, and saving up supermarket loyalty points etc from different Supermarkets using phone Apps. Feel free to make…
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17 weeks until the big C word.. CHRISTMAS!
So as the title reads, its 17 weeks until Christmas and I thought I would post a fun little challenge! Nothing too exciting so I am sorry! 😂 How are you preparing within those 17 weeks? Are you budgeting, savings some coupons? Deciding to rip out the whole kitchen like my OH did last year! In those 17 weeks I plan on…
