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45,000 open pension / pay off mortgage / or money in cash ISA?
I'm self-employed (since 2012), 56 years old and have £31,000 left on my mortgage (approx £671/month until May 2030). I've been paying £200/month into a savings account since I went freelance and realise I'm probably missing out on tax breaks and better interest by doing so. I've accumulated £45,000 (I started off with…
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UC-TE and Unlawful Council Tax
Being discussed on Rightsnet today. A recent High Court Case has ruled It Unlawfully Discriminatory that some councils (with 'banded' CT schemes) have been classing UC TE as 'surplus income' ' which then reduced CTR to zero. It's technical as usual but the ruling should mean that those who had to start paying council tax…
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Flexible ISA's redundant
Hi all, having a so called flexible ISA with Zopa, they say that it's not going to be allowed to transfer part of the ISA to another provider, however if you do a full transfer they will close the account; they say they will accept partial transfers in so that's why it is a flexible ISA. This can't surely be right, as all…
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Letter of claim - BW legal
Morning, wonderful people. I received a PCN last autumn. Particulars were that I was in the car with my two children, my eldest was 11, I pulled up outside a Mcdonalds, and she went in to put an order in. I then went and parked in a small car park. The one and only machine in the car park was out of order. I spent some…
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£10-a-Day Challenge: 2026
Hello everyone! I used to be part of this challenge years ago, and after a long hiatus I’ve found my way back. The aim is simple: find or earn an extra £10-a-day to put towards debt, savings, or whatever financial goal you’re working on. It’s a fun, motivating way to build momentum, and every little win counts. Would love…
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Moorside Legal claim - hearing Feb 2026.
Basically what is says in the title! After 6+ years of battling through a PCN with UKPS Ltd, I am due to appear in Court in January after not coming to an agreement with mediation. I have recently given birth, I'm breastfeeding and my court summons states I need to be prepared to have 6 hours in the court between 10am and…
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February 2026 Grocery Challenge
Welcome to the 2nd Grocery Challenge of 2026! As always this challenge is to reduce your own grocery budget to levels that you will be pleased with, not forgetting that we always recommend that you stay inside your own comfort levels and take things gently one step at a time. Remember that this is not a competition....it's…
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lost vinted parcle- please help
i sold an item on vinted in december, it was to be posted using the local inpost drop off in my corner shop. I sent the item which showed on both vinted and inpost tracking as being dropped off to the parcel shop and then tracked as 'in transit' for 2 days and then just stopped. inpost said my contract was with vinted and…
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Fake Energy Advisors?
I don't know where to post this but I keep getting phone calls from people claiming to be my local energy advisor. When I tell them I'm on the telephone preference service they hang up so I guess it is a scam. The numbers are: 020-3424 9335 020-4600 0038 020-3424 9207 020-4601 9517 020-4601 9545 Every time I block a number…
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My Off-grid and need to be frugal diary
New year, new start - trying to save in 2025.
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Contributions Based NS ESA to UC query (not transitional)
Apols, this seems a touch complicated to me. I'm on ESA, awaiting medical assessment. I have a fit note that takes me to March 2026, so one hopes the assessment will be completed by that time! I have a query, I'm sure all the experts are aware, Cont based ESA stops after 12 months. For me that would be June. What's the…
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Pension Transfer. Time Out of Market.
Imagine you are transferring one SIPP to another. Clearly the whole process could take quite a varied amount of time. Especially at the moment! But what about the actual gap where you are not in the market? The old SIPP provider sells your funds and turns them into cash. This is then transferred to the new provider and…
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Bulk LPG Tanker (in)accuracy
Since 2012, I have closely monitored my bulk LPG tank gauge, particularly before and after a tank fill. I have used this data to predict how much LPG should be delivered. Until 2020, the predicted figure was within 1% of the actual delivered volume, sometimes the deviation was positive, others, it was negative. However,…
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Legal notice of attachment of earnings
Hi, I have received the below email and think it is scam, can anyone help ? Hi Lewis This is Robyn Allen from CRL ( Credit Recovery Limited ). Hope you are doing well. I just would like to tell you that we have got a legal complaint against you from your creditors where you are not making the contractual payments or…
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Misleading returns cost
I recently returned a pair of shoes to Penelope Chilvers as they were too big. Their website states that there will be a £3 deduction from all returns to help cover some of the costs incurred. They provided a prepaid label and I returned my goods accordingly. However, once I received my refund they had deducted £8. When I…
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NST February 2026 - You Are Enough
Ninja Saving Turtles February 2026 YOU ARE ENOUGH Some people thrive in the winter months, a lot of us struggle. The cold and rain seep into your bones, ice and snow create hazards, winter bugs wear you down depleting your physical and mental health. Darkness surrounds us, the world atm is a very dark and threatening place…
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Chase packaged insurance
Apologies if already posted but a quick search didn't show anything. Just noticed on the app that Chase are now offering an Insurance package for £12.50 pm covering worldwide travel, mobile phones and breakdown cover. Haven't read in detail yet so can't comment on it personally.
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APCOA PCN Manchester Airport Drop-off
Hi Guys, I recently received a PCN notice from APCOA about a drop-off at Manchester Airport. I know you can usually ignore APCOA, but I don't want it to escalate into a CCJ and affect my credit score. I've also been advised to appeal to APCOA, not admitting to who the driver was, and also asking them to provide the…
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Stuck in job due to car scheme
My partner can either receive a car allowance or take a company car. Both schemes require a 3 year commitment and he has to have a reasonably high spec and it can't be more than 5 years old. He'd like to relocate but if he signs the new lease he's stuck there for another 3 years. If he was buying a car he would just buy…
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Why Do Ebay Sellers Tell Outright Lies ?
Purchased an item, loads available, chose this one because the listing shows RM T48 with delivery Friday which would be a reasonable expectation as we need it fairly quickly. Item now marked as despatched and tracking provided ……. but with Evri so who knows when we will actually receive it 🤬
