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House of Sundar not refunding - legal?
I bought some clothes of house off sundar. Their returns policy I only realised afterwards says it’s store credit or exchange only and pay own return shipping. they claim it’s because every item is “artisanally” made, which can’t possibly hold up if each item can be ordered 10+ times is that legal? I thought any company…
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Moving money from S+S ISA to SIPP- Top rate tax
Hi All I've got my head in a spin about this and I'm not sure i'm thinking clearly... I'm hoping someone can provide some clarity. Last year I got a promotion and became a top rate tax payer. I'll pay 40% on around £10,000 of earnings this year. Since I started working I have always saved in a S+S ISA, putting a monthly…
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Parking Charge Parkmaven unfair
I parked in the Buttermarket in Ipswich. The system reads the registration plate on entry and you pay when leaving, putting in your reg number. When I put in my reg (correctly) it said there was no record of this reg having arrived. So it refused payment. Puzzled, I put in the reg no. again, and this time it accepted…
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Data only SIM for internet backup
I'm currently upgrading my home network and I'm looking at a new router, there is a router I have as an option that includes a SIM slot, so if/when our internet provider drops out we can use 4G as a backup. My partner and I work from home so internet access is essential, our internet provider is also pretty reliable 99% of…
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Moneda Capital Warning
There have been a few threads in the past about Moneda Capital that seem to have disappeared . The bank they claimed to be working with has confirmed that they have no contractual relationship with them but interestingly Moneda Capital has now amended their advertising. Although they are still targeting social media…
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Marriage allowance and savings tax.
Hi, I am hoping somebody can help, I have been trying to find out how the marriage allowance affects tax on savings. I have transferred the marriage allowance to my husband for several years. I decided to take my pension early, last July, which will take me over the personal allowance but the HMRC will not be changing this…
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Remortgage - minimum term?
Hello everyone My current fixed rate mortgage deal comes to an end in 6 months so I will be looking around for a new deal. I currently have 9 years left on the term. However, I want to use some of an inheritance to pay off a lump sum before I renew my fixed rate mortgage. This would reduce my term to 3 years. My question…
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Do I need to inform my insurance of building work being undertaken
Do I need to Inform my insurance company about building work being undertaken?
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Manchester airport parking fine
Hi all, I’ve been looking at these threads for a few weeks now. I have an APCOA parking fine for not paying online within 1 day after dropping off at Manchester airport. Just confirming I can use the blue template in the newbies thread and that applies? Just want to make sure I have the most up to date info. Thanks
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REVIVING THE PRIVATE PARKING BILL
Progress by DLUHC on the Private Parking Code of Practice has been abysmal and is now at a complete standstill until after the General Election. BPA & IPC continue to thwart the will of Parliament, most recently by publishing their homebrew Code which ignores all of the main "teeth" that the 'proper' Code should…
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Preparing Defence
Hi My daughter received a PCN from TCP April 2021 26 mins overstay initially appealed received gesture of goodwilll offer of £20 did not receive as offer emailed into an email box no longer used then received a letter to say now handed over to debt recovery, she then emailed explained that she would like to pay the £20 but…
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Outcome from court vs National Car Parks Ltd.
I wanted you to say a big thank you to everyone on this forum for the materials to help defend myself today. Had my hearing at County Court and not only did I win the PCN case, but I managed to get £145 for the leave I had to take. To boil these parasites case I claimed for my morning parking which was £2.50. The threads…
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Currys £149 repair service
Hello, has anyone experienced problems with the Currys £149 repair service? It offers to pick up, repair and return TV etc. Parts are not included. When I telephoned to book the repair I described my fault (TV screen turned black) and was told the fault was to do with the LCD/LED lights behind the screen. The cost of parts…
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Judgment issued in default for private pcn
Hello Experts, I have received a judgement issued in default for private pcn. There was a claim issued to me on 28th May 2025 which I acknowledged to within the deadline but completely forgot to submit my defense within the 33 days or so and I have now received a default judgement for Claimant (DCB legal for Euro Car…
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Emergency cash
Apologies if this is the wrong category. It’s the best fit I could find. Hi, I always keep emergency money in various places (<£20 and always notes which is easier to stash and lighter) in case I lose, forget, break my phone. Examples could be car, weekend/going away bag, hiking rucksack,house etc. On the recent occasions…
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Chase Bank - Oversubscribed? Struggling to get a transfer out
Not sure if anyone else will have experience of the same but I am having difficulty in transferring my money our of the Chase account I set up recently. Unlike many I managed to open my Chase account relatively easily and was becoming quite impressed with the App based service. However....... Yesterday morning I tried to…
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Renovations on parental home, who is in a care home
Hi Apologies if this is not in the right forum section. My mother is in a care home, and on deferred payments from the council for care expenses, so we will need to sell/rent out the house at some point in the near future. Her home is not in a great state of repair and when it was briefly on the market, we were receiving…
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Octopus Tracker
I just wondered about people's experiences with this tariff and whether they feel they are winners or losers. I got a quote from them yesterday, and I have to say I find the numbers highly misleading. The figures are very attractive, beating even the good fixed rate tariff I got from Avro, but presumably based on an…
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O/S Daily Monday August 18 2025
Morning folks.
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Negative equity converted to a loan
Hi, I'm new to MSE but was hoping for some advice/guidance. A number of years ago, I split from my wife and subsequently divorced. We owned a home together with first and second charge mortgages secured against the property. The timing was poor and the combined debt was around £30k above the sales value of the house, so…
