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Ford Money - Interest Reduction
Just received notification that Ford Money are reducing the rate on their Flexible Cash ISA from 4.04% to 3.79% on the 12th February. Have been really happy with how easy and quick it's been to withdraw and replace funds. Same day payment if requested before 1.00 pm. Might to look for a better interest rate.
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2025 Frugal Living Challenge
Welcome to the all new 2025 Frugal Living Challenge Challenge yourself to live a frugal lifestyle so you can afford the freedom to enjoy life. This is about household budgeting, simply living and being creative with your money. Frugality can be a fabulous lifestyle choice for debtbusting, boosting savings or investing in…
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Bakers Road Car Park Uxbridge. Excel/Elms Legal Claim. Won. Case Dismissed.
Evening all. Looking for some advice to ensure I am on the right track. My daughter received a PCN from Excel in Nov last year. Contravention was "parked without displaying valid ticket/permit. It is pay and display car park. It's the usual £100 plus £70 debt recovery nonsense. She has paid and displayed a valid ticket and…
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Am I right to be livid?
I asked ADT to quote for updating our alarm system. They quoted me £350 to buy the new system plus £50 a month for maintenance, with a 36 month contract. Obviously, they are making money on the maintenance to subsidise the installation cost, and that’s fair enough. I paid the £350, and THEN they sent me a 19 page contract…
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Nationwide Big Thank You
Announcements in the app this morning, £50 where eligible paid between 9th and 30th April, and in addition to Fairer Shares. https://www.nationwide.co.uk/about-us/the-big-nationwide-thank-you
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Mobiles.co.uk
I have been using mobiles.co.uk for a few years. It's come to the time to upload my third bill for the next cashback cheque, but when I click submit, it shows the green upload bar and then nothing happens - the page stays the same and I can't submit the claim. Anyone else having this issue?
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Quick Check - Gladstones Claim UPDATE 15/1/26 - Set-Aside Obtained
Afternoon all, been a while although I'm glad to see my old "intellectually malnourished" quote has caught on in my absence! Feel comfortable with the rest of the process off the back of winning a case as a lay rep for someone back in 2023. Had this one through for myself, claim dated 16th April, AOS being handled. This is…
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Defence review requested following Claim Form - Was delivering meal to resident at assisted living
I would appreciate if anyone can review my Defence. I have acknowledged the Claim Form online as advised in Newbies thread. Claim is by Civil Enforcement Limited. For the life of me I cannot find the original Penalty Charge Notice.Unfortunately we ignored all previous corespondence. My wife parked her car in the car park…
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Business Banking Switch
Hi All I've searched through the forum but can't see an answer to this. Santander is closing my local branch, so I am considering a move to Ulster Bank for 2yrs free transactions etc etc. I know the switching service takes 7 days, but my question is - is there an overlap period between the two accounts for invoices already…
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Octopus Cosy Credits 2026
I’ve received an email from ‘tj’ at Octopus informing me that ‘Cosy Credits are back for 2026’ I’ve not heard of Cosy Credits before and can’t find any associated small print terms and conditions. The email states: “from 1st January to 31st December, if the average temperature falls below zero degrees in your area between…
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Nectar Points not getting credited to account.
Nectar works with various partners. In fact there are over 500 of them. Ebay is one of them. I buy off eBay regularly. To those who are unaware, you have to go through the Nectar using the app or the website where it directs you to the partner, (eBay). You make your purchase and then the next day you get an email notifying…
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Help me choose a network
Hi everyone, I am new to the MSE Forum and this is my first thread. My contract with TescoMobile has come to an end but for the time being they have put me on a 30 day monthly rolling contract at the same price/data. I have been with a fair few networks and I have had issues with quite a lot of them. Some I switched from…
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Any ideas on how to keep the kitchen waste outside from getting blocked.
Hi folks, The kitchen waste outside seems to get blocked at least once a year, and it is a dirty messy not to mention smelly job doing the business, of getting the water to run freely again, having to dispose clothes etc. The set up I have is, the sink takes runs the water into a larger horizontal pipe pipe outside about a…
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Mortgage Special Rates
Hi all, Just had my mortgage statement through and to be honest, im frustrated! I had a fixed deal term with Virgin thats coming to an end. Im paying around £900 a month but for the fixed period, the actual amount that is coming off my mortgage amount is only around £400, that means that £500 is going to interest costs??…
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Mild instant coffee
I used to buy Sainsbury own brand...like Birds This was discontinued and I've used up my supply Has anyone found a similar alternative please?
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Lack of information about Father’s Will
Apologies if this has been asked previously. My father died in November 2025. I am aware of his Will and know I am a Beneficiary, as it was discussed with my estranged sister a few years before his death. Should I have heard from the Executor at this point or am I being too premature? When and what should I do if I hear…
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Seasidegal's Scrimpy Retirement Diary!
Hi there!😀 Having finally retired from work last Friday as my State Pension kicked in, I have decided to start a new diary as I begin the next stage in my life. I began my first diary on these boards in 2014 when I was 58 and in £31,000's worth of debt!😱 I realised time was fast approaching to retirement and that I needed…
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Noticed cracks in brick on house we have just bought
Hi, My partner and I just bought our first house, got the keys a few weeks ago and just noticed a crack in the corner of the house (there's a crack on both side of that corner). The surveyor didn't pick this up so we are quite surprised. Either they missed it or it happened between October and now. Looks like it stops…
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Shareholder Incentive Vouchers - Which Brokers will handle them?
Asked this in the HL Fee Changes thread although it's a small issue and there's plenty of other discussion there so I thought it might warrant a new thread. A number of UK companies issue shareholder benefits vouchers/cards, mainly from the leisure sector (Mitchell's & Butlers, Marstons, Fullers, Whitbread etc). HL…
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Multiple PCN's from National Parking Control, in a Hire Car
Hi all thanks for the forum and all the advice in the Newbies section. I can see some advice for hire car issues but it talks only of receiving tickets in the window. The tickets I have been sent (4 in total!) have been posted to me, as the car was detected by video camera. It's a car park I've used for years just to buy…
