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Tried Budgeting to Avoid Debt, but It Didn’t Work for Me
I set up a budget using apps, tracked my income, and wrote down every expense. Initially, it worked fine, but over time, I found it really hard to stick to. Unexpected expenses kept popping up—whether it was an urgent repair, an impromptu night out, or even just impulse buys when I felt stressed. It became overwhelming,…
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What to do…
I’m in approx 70k of debt. I have been looking at a dmp and have mentioned this to my partner, however she is not keen. She thinks it may affect my position in regard to an opportunity with the company I work with. The risk as far as I can see it is if I get credit checked however that won’t be pretty without a dmp if…
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MSE Parking Ticket Appeals Guide feedback
Hi all, We noticed that a recent thread we started about MoneySavingExpert's Parking Ticket Appeals Guide prompted a response from a number of users. Thank you for all the feedback. MSE's guides are based on detailed journalistic research and analysis rather than tailored advice aimed at individuals. These guides are…
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Lifetime ISA and Mortgage
Hi all My son has a lifetime ISA, he is in the process of buying his first home in his name, we were going to gift him the rest of outstanding amount. However we have been told he needs a mortgage in order to use his lifetime ISA and get the bonus, otherwise cashing in he loses 25% getting less than what he has put in.…
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Virgin Money ISA closue
A few years ago, I opened a VM ISA. By the time it was actually set up, the rates had changed and I decided not to move the money. The account has never had a transaction and has a £0 balance. Recently, I tried to pay into it but was told it was no longer available. So I asked for it to be closed. VM’s reply? They can’t…
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DBCL Smart Parking Ltd - Moved house help
Hi, I'm new here so if this isn't allowed please direct me to where I need to be. I have read the newbie post and I'm still a tad confused. Long story short my partner has a parking fine from Smart Parking UK Ltd (the standard £170 one) which we never received as she never updated her V5C until recent (wrong I know) The…
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PCN from Leen Gate car park, Nottingham QMC hospital
Hi all, In short, we parked in the car park for City hospital and paid £6.00 for 4 hours of parking at nearest pay machine to our bay. Left car park before expiry of parking period. So far so good. A week later we get a PCN letter claiming that we didn't pay at all. We wanted to dispute it, we sent copy of our parking…
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MSE weekly "moneytips" email now being marked as spam
In the last couple of days (From 23/06/25 on, so far.) several financial emails that I receive on a regular basis have been marked as spam. the msemoneytips is one of them. The reasoning given on the inward generated code is something like this below, true logical, but applied wrongly. 3.0 KAM_REFI Real Estate / Re-Finance…
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getting wifi wireless adaptor to work on linux mint
I know this is probably not the best forum for this topic, but i was thinking of trying out Linux Mint .I created a bootable usb with Linux mint 22.1 xia on it. I booted my laptop from the usb and linux mint loads ok, but the wifi adaptor does not connect.I have a TP link WN823N wireless adaptor plugged into my laptop (…
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Parking Fine Scotland
Hi folks! New here and first post. Need a bit of advice from the experts. Basically I got a parking fine through the door because I went to return an online shopping and didn’t pay the ticket fee, I know it’s stupid! I didn’t think I needed it as I was only there to return my order. So I have the receipt from TK MAXX to…
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Alliance Parking Fine appeal rejected
Hi there all, thanks so much in advance for any help on the following: parked in an Alliance parking car park, opened the parking app and chose the nearest car park which was ‘Polzeath beach’ but the correct one is ‘sea view.’ parked there 3 times on different occasions, got the 3 fines through all at once. Appealed…
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Parking eye Court Claim
Hello Parking Eye has issued a court claim against me, claiming I exceeded the maximum stay from 30/4/25 - 1/5/25, which I didn't!Firstly, I was not driving the vehicle at the time; this was a friend who is a named driver.Secondly, my friend, in my vehicle, visited twice, once on the 30/4 and again in the early hours of…
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Which Motability car ?
Here is my shortlistWhat am I missing - the car must have a large enough boot to take a wheelchair (folded) - at the same time as 4 people The downpayment can be up to around £3000 !Hybrid/pure Petrol - no EV'sThe mini probably doesn't fit the bill but its there because I do like minis.....they must be automatic…
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Euro Parking Services/Gladstones Solicitors - Court Claim (Defence help required)
Hello, my dad received a claim form today and I'm just looking for a few pointers on building his defence. I'll include everything we have so far below. I've already acknowledged the MCOL, I just need to send them the defence. I have my own thread on these forums for my own PCN so I've got a decent idea of what I'm doing…
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Parking ticket at b&q Farnborough by total parking solutions ltd
Hi, I'm new to this site so please bear with me and guide me if possible. I went with my husband to B&Q Farnborough yesterday. My husband dropped me at one end of the car park near the entrance and went and parked the car at the other end which is towards exit of the car park. I then went for shopping in b&Q and he left…
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Redemption - The journey of a recovering gambling addict.
Ok. Here goes. This is my journal on my journey to redemption. First post is to outline my current situation. Salary- £75k + Married Two Children Personal Debts Bank Loan 1 CAR - £20433 - £352 4.3% Debt Consolidation Loan £10,344 £153 5.2% MBMA - £4300 - 0% 14 months NatWest £3000 - 0% 12 months I have told my wife…
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Want to contact Tesco by email? This might work
To email Tesco, try this:-Start at Tesco.com. Scroll to the bottom. On the left, under "Here to help" hit "Help and FAQs".In there, hit "Online Grocery FAQs"..In there, scroll down to the bottom and hit "Accessibility". (https :/ /www. tesco.com/groceries/en-GB/zone/accessibility)Hit "Accessibility online"Hit "Our…
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TNC Collections - Parking Fines (PCNs) on flat parking
I moved into a flat in London in April, and it came with a parking space. Unbeknownst to me, I had been receiving parking fines (PCNs) for that bay, but they were sent to my old address because I forgot to update my V5C logbook with the DVLA (stupid me). I only found out about them when the tenant at my old address…
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NEWBIE...Parking eye Newquay, charge over apparent grace period by 1 second! Refused appeal so POPLA
Hi everyone, I recently visited Newquay and parked at the Atlantic Hotel Tennis Court car park. I paid for 2 hours of parking using the official payment app. However, I’ve received a Parking Charge Notice from ParkingEye claiming I over stayed. On the times shown in the charge it appears I exceeded the 10 minute grace…
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Any lender allow overpayments/underpayments/refund of overpayments
It seems like no lender does anymore more. I would like a mortgage I can overpay, but if needs be draw that overpayment money back out if needs be, it seems I can only see Barclays allow underpayments and thats it? Offset seem non existent or extortionate rates?! Scottish Widdows and First Direct no longer even do offset.…
