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Money Moral Dilemma: Should I give some of my lottery winnings to the person who gave me the ticket?
This week's MoneySaver who wants advice asks... A relative always puts a lottery ticket in family and friends' birthday cards. In my most recent card, I won a decent sum of money on the ticket - should I keep it, or tell them about it and offer to deal them in on the winnings? Unfortunately the MSE team can't answer Money…
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Help needed buying a home
Me and my partner are looking at buying a home, we have viewed a few houses and found one we liked that was built in 2015 but I noticed there's a crack above the window in the mortar joints. No idea what this is? I also found the house next door had permission to become a HMO in 2015 but the current owner said that…
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How to apply for via OC1 ? Deeds
Good morning, Looking to apply for my mums deeds for her property via the OC1 form . Have already downloaded digital copies via Gov website cost for both £14. However the downloads are not official and paper copies must be applied for via OC1 form. Deeds lost via Solicitor liquidation were they were held. Form is slightly…
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State pension NI contributions discrepancy?
Hi, I have a limited company and paid my wife £12570 for the 24/25 year, but according to the NI insurance record, this is counted as a 'Year is not full'. They ask me to Pay a voluntary contribution of £907.40 by 5 April 2031 Where as the year 22/23 the year was counted as full albeit with a salary of £12582 Why is this…
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Small DB Pension transfer?
I'm trying to get on top of the several pensions that have built up over the years. Most are DC pots but I have a DB pension from my first job back in 1992-1996 - I was only an apprentice and left the scheme on 14k salary and it looks like my benefits are based on that final salary. It currently has a transfer value of a…
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Where to focus - mortgage, renovations etc?
Hello, My partner and I bought our first home together last year (we're late 30s, and both had homes of our own before). The mortgage is high, but it's a forever home and we also only put down a 15% deposit so as to keep some cash back for renovations. Although we have a lot in savings, we've found the cost of materials,…
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Childcare benefits after redundancy
My wife and I both earn over 100k gross. We are both capable of bringing our taxable income to below 100k. We have a 9 month old boy (born June 2025) who will start nursery in June 2026. My wife will be made redundant in July 2026. I'm not able to get any 30 hours childcare benefit for Apr26-Aug26 since i will be on…
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Here I am ...
Hi everyone, back again to start keeping track. I started to do my SoA but got so overwhelmed that I haven't finished it off. Husband has been made redundant so we need to really tighten our belts, and just as we started to do that our dog was very poorly. Luckily she's fine now, but even with insurance it's going to cost…
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Party wall indemnity
Can anyone give me a few names of insurance brokers who can broker a party wall indemnity policy ...not for a house sale...but for a homeowner protecting against adjoined neighbour claims of damage please. This is for works already carried out not works yet to take place.Thank you
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MSE Forum Poll: Have you ever asked a restaurant to remove an optional service charge?
Many eateries opt to add an optional service charge to your bill rather than rely on customers leaving tips. Since it's optional, you can ask to have it removed if you want, perhaps because the food was bad or the service was poor. Have you ever requested that it be taken off the final bill? Vote in the poll then share…
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Lebara ring time
Very happy with Lebara on my Google Pixel phone but my wife's Samsung A34 rings for only 15 seconds before diverting to voicemail. I have referred this to customer service 3 times now and got the same instructions each time, ie dial **61*121*11*30# but it does not work. I've been promised a call back but heard nothing yet.…
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7 Weeks, 5 Failures, Vauxhall Not Responding
I'm at my wit's end and need advice on next steps 2021 Vauxhall Mokka-e on PCP with MotoNovo. Charging actuator fault first identified 16 January 2026. Despite five repair attempts at approved dealer Wilson & Co Scunthorpe, the same fault is still present today (7+ weeks later). Timeline of Failures 16 Jan: Service +…
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Treasury 4.625% Green Gilt 2037 auction - Closing 10 March 2026
This will only be of interest to direct investors in gilts, and therefore they are likely already aware of this forthcoming issue. If not, here's a heads up. Will be interesting how the 'big hitters' in the auction price this issue given current market volatility, oil price rises affect on inflation and how this feeds into…
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Life interest trust help
Hello, my father died last month and left a life interest trust in his will, allowing my stepmother to live in the property and benefit from any income from his savings. They were tennants in common, and I will inherit his 50% of the house and savings on her death. I am executor, and his close friends are trustees. His…
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DMP mutual support thread part 13 !!
Welcome to the DMP mutual support thread Part 13 !! Here you can find help in starting and running your DMP, self managed, Stepchange, Payplan and any other DMP all welcome here, but we do encourage you to use a free service, not one you pay for. There is help on getting interest and charges stopped, how to start with an…
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On disability benefits but need a credit card
Hello, Im needing to make a purchase of approximately £1000 but I am disabled and myself and my partner get Universal Credit and I get PIP. I’m trying to look into credit cards but I’m getting myself tied up in knots, is it possible to get a credit card on benefits and if so which ones are likely to accept me? I have a…
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Pre mediation call - getting calls from DCB legal
A couple of weeks before the mediation call and I’m getting calls from DCB Legal. Haven’t answered any of the calls and have now blocked them. Do you think they want to make an offer? Is it advisable to answer their calls? Are they even allowed to call me now that it is in a court process?
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I'm New Here. Any help would be greatly appreciated.
I exceeded my parking time with Euro car parks by 1 hour and 20 minutes and they have sent me a £60 fine. I sent them the receipt of paid parking up to 16:00 hrs with my appeal asking nicely if they could reconsider this and cancel the charge based on -Partial payment being made - Disproportionate charge The appeal was…
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Late Notice to Keeper (30+ days) – worth appealing?
Hi everyone, I received a Parking Charge Notice to Keeper from Civil Parking Office Ltd for “No Valid Parking Payment Found”. My main concern is the timing of the notice. Parking event date: 31/01/2026 Date of notice: 02/03/2026 As I understand, under the Protection of Freedoms Act 2012, if no windscreen ticket was issued…
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MET Park ticket from 2023
Hi everyone, Background: Back in 2023, I went to pick up someone from Stansted airport, at night, and ended up getting a parking fine. However, to me this was odd, as I had done it before going at night to pick up other people and in another occasion I even stayed longer and never received any fine (lucky I guess?). As…
