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Finally a default!
Hi, we stopped paying credit cards in June as our debt reached 75k and was out of control. We have been waiting for accounts to default while managing our budget and building some emergency fund, albeit not as much as planned due to essential repairs. We had a text message today from Wescot saying they've taken over my…
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Leaseholder excess payment following roof leak that damaged my property
Hello everyone, I’m a leaseholder and recently experienced a significant roof leak that caused damage to my property. The issue appears to have originated from the building’s roof, which I understand is typically the responsibility of the freeholder or managing agent under most lease agreements. I’ve already documented the…
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Two compensation claims...can I be done ?
Hi everyone ... I post before about being involved in a compensation claim on contributions based esa and is it allowed to do etc (I was involved and a car as a passenger accident not my fault). I am happy that im ok to do so after everyone's advise BUT sadly I broke my wrist coming off a ramp with my wheelchair on holiday…
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Multiple Laptop Set up
So, WFH for a long time now and I have multiple Clients. Normally I manage to get access to all the IT I need through my own laptop, but lately I have two Clients who insist on using their own laptops for security reasons. That is entirely reasonable, but with three laptops, and swapping leads between one monitor is all…
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Moving on
Welcome to my new thread: my old one is here: Cherry takes the reins — MoneySavingExpert Forum and my very old one is here: Coffee and chocolate — MoneySavingExpert Forum Quite a lot changed in 2023, and now it's time to move on. I left the job and career path I'd followed for many years and don't feel I can or should go…
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Legal charge on house purchase not declared
I have been trying to buy a property -over last 6mths . neither the estate agent, vendor or vendors solicitor declared that there was a council debt on HM Land Register . I have now lost my buyers because of this. I am aware that a sale of the property fell through in 2024 and can't help wondering if it was for the same…
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Santander account - £30 Amazon Voucher
I see that the Amazon Voucher for opening a Santander Everday /Edge/Edge Up Account is running again through the MSE link. I successfully earned the £30 Amazon Voucher earlier in the year when the offer ran before. (June)Previously not having any Santander Accounts I opened the Everyday Account so no fees. Then received…
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T212 ISA transfer in woes
Hi, ISA transfer from Fidelity to T212.. kept me waiting for 10 days without a word. Followed up and told I need to start selling holdings because some of the securities don't match and so cannot be transferred in specie.. all are non-specialist non-restricted LSE listed investment trusts and ETFs Tried to explain in great…
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A whole new world, for now
So, here’s the new thread I’ve been promising myself for a few months. My old one, that served me so well, is https://forums.moneysavingexpert.com/discussion/4855808 A potted history of me. I’m 49, live in NI with OH, DD and dog and DS is London based. Have been in debt for a lot of my life and came here post personal debt…
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1% challenge 2023
Welcome to the new home for the 2023 1% Challenge - 100 ways to make your 1%. This challenge was started a couple of years ago by Little Miss Uni Debt, I started using this challenge last year and found it really helpful in focusing on paying off a more manageable amount at a time! I’ve copied below Little Miss Uni debts…
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Let's get this sorted then!
Hey everyone, I went back to uni just before I turned 40, so have quite a lot of debt from that, and from generally trying to live whilst working and studying. I tackled a bit before the end of 2024, but that was mostly getting on top of things, doing some 0% balance transfers, and I paid of two small debts of about £250…
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misstara's mortgage free diary
I've been kicking about dfw for years, firstly paying off debt, then saving a deposit and now am finally joining the mfw section of mse :smiley: We've just bought a wee 2 bedroom terraced house - missives were concluded last week, will sign all paperwork this week and get the keys next week. Thanks to an extremely generous…
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Mellow Fruitfulness
Our Autumn OATs (Outstanding Annoying Tasks) thread With thanks to Keats and the Met Office for the thread title https://weather.metoffice.gov.uk/learn-about/weather/seasons/autumn/autumn-facts I think my main OAT aim this autumn is to get a lot of foodstuffs out of the cupboards and not wasted, which is going to have to…
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Which one do I do?
I would appreciate some help. Background In 2007 (or it might have been the year before) I got a credit card with M&S. To try to help with my debts that were starting to build, in 2008 I applied for a credit card with Halifax and they sent a card and then another card days later. I don't recall asking for a second card but…
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The Mental Debt Struggle...
I've known that this diary needed to be started... But I've run away from the idea as the accountability made me nervous and I didn't think anyone would want to read it. But then I realised it would be financially and mentally therapeutic for me, and that's the whole point after all. I've read other diaries and gained so…
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Good and Bad Buys at Lidl and Aldi stores (***Please don't expire***)
This is the new Lidl and Aldi buying thread. Please report any good/bad deals, good/bad offers and good/bad products. The old thread can be found here https://forums.moneysavingexpert.com/discussion/5960153/good-and-bad-buying-at-lidl-and-aldi-please-dont-expire#latest
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Sell or Consent to Let
Hi everyone, Looking for some advice or perspectives on my situation. Due to personal circumstances, my family and I have had to move into a rented property closer to our relatives until around October 2026. Our own house (the one we moved out of) has a mortgage renewal due in September 2026. We’re planning to eventually…
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15months to debt free - I hope
Well I thought it was time I started a diary having put my two pennorth into several others. Brief bit about me. I am a retired careworker having done other things as well. I have a husband who has mental health issues and 3 old dogs. A 15 year oldJack Russell X who has heart and kidney failure so I am not sure how long we…
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Best way to buy a house in another part of the country that you intend to move to?
Hi All, (Posting on behalf of my sister). My sister is expecting to come into some money and combined with a mortgage thinks she may be able to finally buy a house. Unfortunately her budget is modest and she currently lives and works in Kent, with her partner and two kids. They realise that they might only be able to…
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Boiler Pressure Low ; Glow- Worm 24 cxi
Hi all Really hope someone can please help. I have a Glow-worn 24cxi comb boiler which has low pressure and I can't seen to increase it. On my old boiler see Pic 1 I had 2 levers. I would turn lever 1 (A) and would hear water come in and then turn lever 2 (B) to increase the pressure. , which I would se increase in the…
