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Advice on works
Hi I took my car in for its MOT and it failed on the handbrake efficiency. It was 13%. The well-known garage told me it needed a new rear brake calliper, rear discs on both sides, and rear pads. £510. I’m [clearly] not a mechanic, but what I find hard to believe is that discs and pads fitted less than 12 months ago - and…
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NHS medical exemption card held - claim back possible by nhs?
Hi, I'm probably sweating the small stuff but wondering if anyone knows about the nhs medical exemption card? I fear I'm in breach of rules. I've held one for years, never been in trouble before but recently found myself swimming in lower limb wraps, I thought you could only get 2 per every 6 months on prescription. I've…
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Mobile Phone Replacement
Hi, not been here a while. My elderly mum needs a new phone. Mine is Motorola G14 and she likes mine. I've had mine 2 years. The most similar I have read is g24. I don't want to pay more than £100. Argos had one but not in stock or for delivery in my area. I only have a week before her birthday. Also it has a supplied…
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AET
Will a single childless person earning £955.00 per month working 18 hours a week and getting £440.00 UC towards housing costs be left alone by the work coach as they earn over the AET threshold?
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Getting dividends
HMRC is charging me tax left and right because of my interest income so I have been looking for ways to make a return on my savings elsewhere. I have already moved money to Premium Bonds but I want to move more of it away and have seen that I have a £500 dividend allowance that I would like to maximize. I have already…
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Should I use Equiniti to sell shares?
I have a few low value stock holdings (EX Building Society
conversions to PLC status) on the Equiniti.com platform that I plan to sell off. Their fees appear very high. E.G. They are quoting a fee of £40
for one holding with a market value of £480. Is that reasonable?
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Legal Bank compensations
Hi so basically I wanted my name change as the first name was wrong but the last name is the same. And that is what I can take legal action still. Anyways I wanted my name changed to just adding the word Singh on my Halifax statements in my first name to do that name change I was advised to bring student ID card via…
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Building Garden Retaining Walls - Questions
Hello, am building some two retaining walls for a patio next to the house (see very rough sketch attached!). The garden slopes away from the back of the house, so a patio needs retaining walls to support it (the retaining walls are green in the sketch). The aim is for 4 courses of brick on top of a concrete footing. One…
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Horizon Parking Ltd - Pay and display
Hi, Hoping for some guidance please. I've read the newbie FAQ and "think" I have this right, but wanted to check: Car is leased. Lease company have advised me of the PCN and also advised Horizon that I am the hirer. I have advised the lease company not to pay and that I am appealing. It is a pay and display car park. The…
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Which? Power of Attorney Service - Scotland
I'm looking into Power of Attorney in Scotland where we don't have the same DIY form-filling options as England and Wales. Given solicitors charge around £400 for PoA, the Which? DIY service at around £69 (for both welfare and continuing powers of attorney) looks good value, complies with Scots Law and your completed…
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Taxation on Short Term Money Market fund
I have a question about taxation on Short Term Money Market funds. Specifically: Royal London Short Term Money Market Y Acc ISIN: GB00B8XYYQ86 I plan to hold this fund in a normal investment account (I have used my ISA allowance). Am I correct that: 1. When I sell, the difference between buy and sell price will be subject…
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Fancy sewing kit
Hi all, I'm looking to but a nice fancy sewing kit as a birthday present for an art student. I've seen some William Morris ones in John Lewis, whilst I quite like these but may not be as appealing to a young lady. Can anyone suggest where I may look please? Many thanks
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Home Contents Claim - Has anyone been made to do this?
Evening, our ongoing flood claim is now 22 months old and we are just about to move into a rental property. In the flood every single piece of furniture , crockery, glassware etc. downstairs was lost and written off. We have completed a partial contents claim for which we have been paid. We asked the insurance company to…
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M&S Checkout error, anyone else?
This is the third evening in a row that I cannot checkout my basket on M&S, it's always giving me a message 'Oops something went wrong...'. Is it just me? I've cleared cookies, used two different browsers, still can't checkout my basket. I know there's plenty of time till Christmas, but my basket includes a robe and…
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Tall dressmaking dummy
I wondered if anyone could advise where to get an inexpensive tall dummy. I'm long in the body and always have to adjust patterns for height. I've been dressmaking for a couple of years and feel it would be useful, especially for draping fabric and upcycling existing clothes. I checked out a buying guide which said that…
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Help with Salary sacrifice and Self asssesment
Hi, so last year I filled in a self assessment and filled in the tax relief section on the SA form to claim the other 20% back through SA, filled this in due to higher child benefit charge. Back in october Hmrc changed my tax code to 1336L and they automatically closed my self assessment and said I don’t need to do one the…
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Class 2 / Class 3 payment sanity check
I am based abroad and according to the forecast I need to contribute another 15 years before April 2040 to get the full state pension. I had submitted a CF83 form last year to apply for Class 2 contributions. I called up HMRC today and I was told that more than 2 weeks ago, they had sent me a letter with a list of tax…
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Car lease company paid PCN
Hello all I read the following 2 threads before writing an email to my car leasing company and am after some feedback if anyone can offer any: https://forums.moneysavingexpert.com/discussion/6506031/parking-notices-paid-by-leasing-company…
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Best place to find vouchers & coupons
Hi all, just wondering what sites everyone's using to find new vouchers & coupons ? I keep finding that a lot of the vouchers have already expired or don't work on magic freebies & star freebies
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3% fee BT on Virgin Credit Card
Hi, I've been offered 0% interest 3% fee on an existing credit card with Virgin for 12 months, the limit is £17500 with zero balance. Has anyone been offered any lower fees on BT credit cards, I don't seem to be getting any better offers at the moment.
