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Cancelled insurance due to SORN
Hi - my son's car insurance on his original car was cancelled by the insurer because it was off road and declared SORN but now he can't get insurance on his new car. Does anyone know how we go about getting this cancellation expunged from his history as it is unfair to penalise him for something he couldn't control, not…
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Toyota Financial Services
Hi, I bought a used Toyota IQ on finance from a main dealer in 2011. I part exchanged the car in 2013. I do not have any remaining paperwork from the finance agreement or the policy number. I sent a MSE template complaint to Toyota in March 2024. I have provided my ID etc, copies of my bank statements showing a payment to…
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Student loan will never be paid
I took out a student loan in the 1999/2000 academic year, of £6865. 26 years later, the outstanding loan is £5500. So, in nearly 26 years, I have paid off £1365. How can this be possible?! OK, I'm not a high tax earner but I earn a reasonable amount and I have been paying around £50 per month for about 10 years of that…
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Septic tank (shared) upgrade - what would you do?
Hi all, I have belatedly learnt about septic tank regs - I should have known about them when I bought my house in 2021, but my solicitor didn’t flag up any potentially illegal water discharge (my survey did suggest a septic tank specialist survey, which I didn’t do, silly me!). I am surprised by this, as I thought that’s…
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dashcam recommend
am looking to buy my first dashcam. Don't wish to shop halfords, bad experience are they easy to fit (considering i struggle with DIY)? Any guide on brands, budget price but reliable, no bells and whistles please
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I have received CLAIM FORM for Charge Notice at Bristol Leigh Woods
Hi money saving expert. I am here as I have received CLAIM FORM for Charge Notice at Bristol Leigh Woods from Civil National Business Centre". Whilst looking for help and trying not to panic I read a thread on here that had a positive outcome to a claim at the same place with a similar letter. Please note I have already…
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Chillblast laptops not fit for purpose?
I purchased a Chillblast Phantom Laptop for £2100 in August 2022 with a 5 year warranty. The first 2 years included collection, parts and labour, the final 3 years are labour only. After 21 months, in May 2024, my laptop black screened and I sent it back – I was told it was the motherboard and that the laptop was…
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Middle East Air Tickets - Credit Card cancellation
Hi, I couldn't find an answer to this specifically in the (very helpful) ME War FAQ. Firstly, I appreciate there's a horrific war on and nobody knows when it will end and all of this is small beans next to what's happening. That said… My first world holiday problem is probably shared by many- due to fly in 4 weeks via the…
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Benefit advice for someone who came off due to inheritance/savings
I came off ESA support group (long term sickness) at an annoying time when they were about to transfer me to UC (created an account and everything) But I found out I was to receive some the inheritance money the month after, that would take me over saving limit so had no choice but to cancel my ESA and obviously the UC…
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Buildings insurance cover for flooding
My buildings insurance cover seems to exclude cover for flooding if the source is a leak from a pipe in the street. It hasn't happened yet but I wondered if this is normal for buildings insurance. If it does happen, could I expect the water company whose pipe has leaked to cover the cost of the flooding or would I be left…
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Any landlords who will have to do the quarterly tax return?
Anyone falling into this category of having to do the quarterly tax return from next month? I understand that if your self employment and rental income together exceed 50k, you need to do the quarterly return. Anyone falling into this category and do your own tax returns?
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Declaration of trust to prove beneficial ownership of a property for tax purposes
I solely own a property and would like my civil partner to receive 50% of the rental income. I understand the following:- A declaration of trust is a legally binding document that defines the beneficial ownership of a property, separating it from the legal title registered at HM Land Registry It formally states who owns…
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First time buyer
My FIL is selling his house for 185k he has a few offers, some are from first time buyers. Most of the offers are putting down 5% deposit. This to me sounds low as I am used to people putting down the standard 10% these days. Is 5% deposit a bit too low do you think and we are better off choosing the ones that are putting…
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My mortgage clobbering post
Putting this here because I'm an enthusiastic mortgage over payer and I have no one in real life to tell! Single parent for 15 years, left in £35,000 of debt by ex husband. (Paid off over 6 years). No maintenance paid in 15 years. Unable to pay capital for many years as I had to use the old endowment policy to pay off my…
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Moneybox App - Confusing
Just joined and transferred an ISA to them. It might be because the this has only happened in the past 24 hours, but the app is awful. The transfer went through within 12 hours of requesting it which was great, but the app is littered with adverts for their other products, a 'lets get started' page all over the front page…
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Barclays, upto £2500 cash back for a cash, investments, or ISA transfer
https://www.barclays.co.uk/smart-investor/campaign/transfer/?campaign=SI_Email_Acquire_Campaign_email_Premier-2915-competitor_&chnnl=EMC Got an email about this, this morning. Need to transfer over £200k to get the maximum cash back and it’s paid out within 12 weeks after the end of the offer window I think, so around end…
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My experience with Sensory Education
This discussion was created from comments split from: Sensory Education Ltd. (Formerly Cheap Disability Aids Ltd).
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Two house with equity - to one outright purchase
We have to move into a single house with aged parents. We have found a house to buy and what we will realise from the sale of our home and the pareants home is way in excess of the new property purhcase. The thing is we want to do the deal now - care in our current small home is very difficult. We have pensions and…
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Should I be looking to add a Battery?
Hi All, I had installed a 6.5Kw system in 2023. 15 panels, split array with a 5Kw SolarEdge inverter. I do not have electric heating or an EV and currently have zero plans to get either. Last year I generated 5.74Mwh of which I exported approx. 60% to the grid. I could fit many more panels as I have not utilised the main…
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Unforseen&Non upfront advertised Investment platform
Hi all. Some platforms don't show the charges & restrictions that they impose on you and your cash until you learn the hard way when you want to take uninvested cash out & then they inform via a brief info that it's 4 business days, I guess that would be 6 if a wknd is involved so investment platforms aren't like banks…
