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MSE News: Car finance redress scheme to face legal challenge
The major car finance mis-selling redress scheme, confirmed by the financial regulator last month, is now facing a legal challenge over claims that it will leave drivers "out of pocket". The group behind the case says the scheme could still launch while the level of redress is reviewed, but this remains to be seen. In the…
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Adidas Replica Football Shirt - Wrong number shown on official website
Hi All Not sure where I stand so I'm hoping someone could help. I recently purchased an 2024-2025 season Adidas football jersey from the official Adidas website. I am not a football fan but knew my husband liked the shirt. I ordered it with a name on the back of shirt from the drop down list they provide on the website.…
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accidental fragrance bargain… but not sure who it’s for?
picked up a random fragrance gift set today from a clearance shelf. didn’t expect much, just thought it would be an easy gift for someone. got home and checked it online out of curiosity… turns out the 50ml edp inside is selling for way more than what i paid, and the set actually has a few extra bits in it too. now it…
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Stick with Santander 123 Current Account or Switch to Santander Edge Current Account?
I have had a Santander 123 Current Account for years and am wondering whether to switch to a Santander Edge Current Account instead? I don't need an overdraft and am more interested in interest rates and cashback. What would be the best move?
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Smarty adding an ESIM to my current SIM only deal
Hi, Please can anyone help me as I’m going round in circles with Smarty Chat? I have a ‘physical’ sim with them and as Ive decided to set up a small business I’d like an ESIM so I only carry one phone but have 2 numbers. Can I do this and has anyone done this with Smarty? Any advice on how I do this I would be so grateful.…
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Where to start...
Hello, I wonder if anyone can spare the time to read this and give me some advice please? I am a 52 year old woman and have spent the majority of the last 23 years caring for my family. I have worked throughout but for myself (Avon type selling) and part time as a TA in a school for 3/4 years. I have 2 very small work…
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Parking advice
Hi all, I would be grateful for some advice on a private parking charge I have recently received. I signed up to a new gym and have been parking there while attending. At no point was I told by the gym that I could register my car on their system so that I would not need to obtain a parking permit each time. Because of…
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Best banks if you have Power of Attorney
This thread is to discuss theBest banks if you have Power of Attorney?article Also see: Power of Attorney: Plan ahead To take part, click reply.
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Weeds and Moss in lawn
We have way too many weeds and moss in our lawn - with ropey grass The wife bought a large box of grass "improver" granules and plans to cover the lawn with it today - I had said 3 in one (ie Moss killer / fertiliser and weed killer) but she is adamant that the grass will be killed off by the weedkiller and we need to feed…
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DCB LEGAL, PARKING EYE court claim, defended
I worked at a hospital trust from March 2020-April 2022 full time as a nurse. I have received ONE ticket during this time period. for 01/12/2021 to say that I did not pay for parking and have a fine etc for this date. This was a day that I was working from 07:30-20:00 so I appealed it and they said no. So being honest, I…
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Will executor nightmare
I have been named on the will as executor to my recently deceased step-mothers estate. Named on the will as joint beneficiaries are myself, my brother (her other step-son) and her own son and daughter, with all receiving a 25% share. As far as I'm aware the only assets she has are a bungalow, which her son, daughter and…
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Retiring Early - Incomplete NI Years for State Pension - Options?
Hi there, I'm retiring at 48 with a modest income (really modest, I'm a bit of a Spartan) however I'm shy about four years of NI contributions to get the full state pension at aged 68 should I actually make it that far. What can I do to top up those remaining years? I can pay them outright I suppose, but I'm sure that if…
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what counts as income, as household income and expenditure
Hello, This probably sounds silly, but I'm confused by what might be classed as "My" versus "household" income and expenditure. Firstly, is expenditure just classified as rent, bills, not food shopping, toiletries, transport? Secondly, I have three children with disabilities who receive DLA/ PIP. One is only 8 so I assume…
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Underpayment of Tax on Small Pot
I just took the whole of a 6k small SIPP with AJ Bell (1.5k Tax free, 4.5k taxable), but they only charged a tax rate of about 16.36% on the taxable bit. I'm assuming this is because they don't know about my other pensions. Will HMRC automatically adjust my tax code with my largest regular pension to fix this? I should…
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Letter of Claim - DCB LEGAL (parking charge)
I have been sent a letter of claim from dcb legal on behalf of smart parking limited regarding an unpaid parking charge. I have never received or experienced anything like this and the date this occurred was 21st March 2023 so I also have zero memory of this therefore can’t dispute. Is this something I just go ahead and…
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Will Storage Question - recommended place
about 10 years ago we updated our wills and lodged them with a solicitor who specialized in wills. We also helped our parents update their wills with same solicitor who offerred a cheap joint will storage service. A few years later the firm of solicitors send they could no longer store family wills together and suggested…
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MSE Cheap energy club -British Gas Collective Feb27 problems
I have tried to transfer to this tariff and have been refused. I am an existing customer in credit. The MPAN/MPRN numbers are correct. I have done online chat with British Gas 3 times and have been told My area cannot have this tariff it is not available until the end of the month This tariff is gas only and I am a dual…
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Found a great cheap fuel finder site
I know there are lots of these sites but I have been using this to find the best prices. https://cheapfuelnear.me I believe this uses official Government price data as petrol stations in the UK have to publish there prices now.
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Hyundai Capital
Hi all, Apologies if this has been asked before but the search function on this forum isn't the easiest so I may have missed it… I'm just looking for any advice/reassurance after I submitted my 'formal enquiry', as per the MSE guidance to Commissionqueries@hyundaifinanceuk.co.uk on Monday 30 March but I've not heard…
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Click to Pay ?
My bank is going to enrol all their customers onto Click to Pay unless they explicitly opt out. It is possible to lose Section 75 protection though with some Click to Pay transactions. Is this worth worrying about?
