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ISA transfer experiences
My most recent experiences. First the bad and the ugly: * Monument to Santander. The request had to be made on paper, which I handed in to a friendly Santander employee in Branch. 6 weeks later, there had been nil progress as the form apparently "didn't reach the right department" (in Santander). This means I missed out on…
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Winding up lump sum offer
Age: 63. Self employed with SIPP. Pension from previous employer from 6/4/1980 to 31/01/1986 as a student on summer placements. Deferred benefit: £522.84 per annum. From 1/4/2027, not available before then? Received a letter from the administrators to offer a winding up lump sum of £7107, of which 25% or £1776 is tax free.…
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Being nosey... How many Regular Saver accounts do you have?
Starting to find this is addictive! I have five now.. How many does everybody else on here have?
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An in-between phase
I am largely starting this thread so as to not rudely put a long whinge on the lovely @foxgloves and @EssexHebridean threads! I will talk a little more about my slightly unsettled life situation in due course, but for now, just whinging 😂 Today I have been trying to switch to a more money saving phone contract. It has been…
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NST November 2025: NOWvember
NST November 2025: NOWvember November involves fairy lights, warm jumpers, umbrellas,
snuggly blankets, hot drinks… The theme for the turtles this November is NOW and
has two strands, both of which involve starting by looking at your life as it
currently is, in all its glory, as well as warts and all. Firstly, look at your…
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Success in court today! VCS / DCB Legal case Private parking retail park
Hi, just wanted to let this forum know about a victory for the little people! In court today, I successfully defended a claim for over £270 plus costs. It was dismissed on what I guess is a technicality, basically they were not compliant with the POFA which states that every point * must * be complied with in order to be…
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Three PAYG SIM no longer free?
Hi Am I correct in thinking the free three PAYG SIM is no longer a thing? Cheers
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PCN from Civil Enforcement Limited PCN - Horfield Leisure Centre (Keeper, not Driver)
Hi all, I’ve received a Parking Charge Notice (PCN) from Civil Enforcement Ltd (CEL) and would like some advice. Details: * Location: Horfield Leisure Centre, Bristol * Parking company: Civil Enforcement Ltd (CEL) * Alleged contravention: "Exceeding the notified maximum free parking period of 3 hours" * I am the registered…
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Northwest Parking Management / DCB Legal
Hi All, Firstly, a big thank you to you all who volunteer your time/expertise on here - it's very much appreciated and I have learnt a whole lot in the last 7-days of reading up. I've found the scare tactics and intimidation a disgrace and willing to stand up to these awful charges for what was, I'm led to believe, 15…
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My Court mediation overview
I just wondered if anyone else has had a similar experience to this, and what the outcome was. It has caused me several months (over a year now) of stress and deprived me of several family activities that our precious to me. As a full time carer for my adult son, this has also had a knock on effect on him. I will not sit…
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MeandO's money-shuffling
Long time member here, sneaking back over from the MFW board... Previous diary here for those that want a back story: Money-shuffling towards mortgage freedom — MoneySavingExpert Forum Although my only debt is now my mortgage I've had to shift my focus from OP'ing to building up my savings instead, so don't really feel at…
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Cashback for opening bank or investment accounts, including Cahoot
The cashback website TopCashback is giving you £25 for opening the Cahoot Simple Saver, among other banking and investment offers. Assuming there's anyone on the boards who doesn't already have one...
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Avoiding higher rate tax
I would like to check my understanding of tax and pensions using a real life example: Simon receives £50,000 of pension income each year (£26K p.a. DB and £2K p.c.m. drawdown of DC).This brings him very close to the 40% tax threshold.He has already triggered the MPAA. Simon has potential to earn up to £10,000 per year…
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Thank god we paid the mortgage off
My previous diary was pulling my frugal pants on. I decided to start a new diary because, well because our new start that we had planned isn’t going to happen. So dad’s house sale finally went through and we’d decided that we would use my inheritance to offset OH dropping a day at work. Money would be tight but doable.…
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yougov.finance bribe
It's one of these almost-too-good-to-be-true stories, but it is true. First mentioned by @Bridlington1 in the Natwest Regular Saver thread, but I reckon this deserves its own thread as it could be of interest to those who have at least 10 current, credit card and savings accounts and not everyone reads the Natwest RS…
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Sanding contoured solid wood flooring - advice please!
We replaced the floor in our bungalow well over 10 years ago with oiled floor boards from B & Q. We used to home board dogs. I'm not bothered by the scratches but there are patches on a few boards where spills of their drinking water has affected them. It's not serious damage, just the oil has worn away and there are…
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If only…
I didn’t have school age kids and next to no childcare I’d enter for some holidays. What’s the best holiday anyone has won?
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British Gas Customer switch to MSE Collective Nov26
Hi. I'm currently a British Gas customer on a fixed tarrif v63 April26. MSE have offered me a slightly cheaper tarrif Collective Nov26 which can save me around £80/year. When I try to switch within the MSE Energy Club I'm asked for all my personal details including bank account information. It's as if I'm going to be set…
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CIVIL ENFORCEMENT LTD - COSTA COFFEE PARKING INVOICE
Hello good folks. I was sent an invoice by Civil Enforcement ltd for an invoice of £100 reduced to £60 if paid within 14 days. Now firstly I have approached the Costa branch where it happened, the assistant manager said they have been advised they can't help (doesn't seem like the first time they've had this situation), I…
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Car Finance Commission - Ford Credit Europe Response
I have just emailed my complaint to Ford Credit and immediately got a response saying - "If you have not yet made a complaint to the Ford Motor Company Customer Care Centre, please contact them on the below methods, as we are not able to raise this complaint on your behalf." So do i also have to reach out to the above for…
