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Is this a scam ?
Hi all. Ive just received 2 texts in quick succession from M&S Bank giving me 2 different 6 digit security codes. However I don't have any bank or credit card accounts with M&S. Should I be concerned ? I tried to ring them but because I don't have any account number I just keep going round in circles.... TIA
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UK state pension while living in Brazil
I am a UK citizen by birth. I have now reached pensionable age and am eligible for a state pension based on voluntary contributions. I am fiscally resident in Brazil where I have a Brazilian pension. If I take my state pension payment in Brazil I believe I will lose index-linking. If in the future I relocate to an eligible…
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Issued with parking fine because resident permit had fallen into footwell
I’m renting a flat on a short term basis and the parking is monitored by a private company. You can park in any bay but have to display your resident permit. I always do but on this occasion it had fallen into the passenger footwell. It would still have been visible if the person was looking for it. They’ve given me a £100…
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Buying a leasehold flat has been the single worst experience of my life
I started this process in May 2025 when I had an offer accepted on my first flat I tried to buy. After 5 months of forms, waiting for packs and information, enquires, weeks of back and fourth with very little progress being made, I dropped the purchase. All because the seller didn't want to pay his own fee of a deed of…
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Account sharing issue.
My partner has a number of shares in my trading account worth 12k, having doubled in value. Could I sell an equivalent number of shares in my ISA account and give her the full amount and her be free of any tax burden?
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Investment Bonds
I have been left some investment bonds in a will. Managed through St James They have to be split 10 ways and the total value is about 270k. The financial adviser have advised not to encash the total amount, but to split the investment and allow the individuals to choose if they want to "cash in" or not. I need the money so…
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Solar quote
Had a quote for solar and battery fully fitted for £3900 is this a good system and will I benefit from having it installed company who quoted is emyra solari am with octopus energy and electric estimated usage is 3800kw a year 6 Aiko Neostar 470W N-Type ABC, Solar Panel 1 Solis 3.6kW Single-Phase Hybrid Inverter 1 Dyness…
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Share tipping websites
Thought I would share this one just for a laugh link https://www.tipranks.com/news/company-announcements/jarvis-securities-strengthens-board-with-appointment-of-paul-shackleton-as-non-executive-director Quote 'The most recent analyst rating on JIM -6.25% ▼ stock is a Buy with a £9.00 price target.' Current price 8 pence No…
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How best to allocate £6k cash + £6k loan across cards?
Hi all, I hope everyone is well, I am hoping someone can help advise me. I want to know what the best way to allocate a lump sum across several credit cards to avoid defaults and stabilise my situation. I would truly be grateful for any advice and ideas. II had to leave my job and unfortunately spiralled and missed…
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Irresponsible lending complaints advice
Hi, I'm just looking for a little advice regarding my complaint responses. Virgin CC have refused the complaint so I've sent to the FOS. Barclaycard have replied to say yes they agree I shouldn't have had the last increase from 6k to 7k so have dropped the limit back to 6k and ive just received response from Castle…
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£35 into my bank from Money Saving Expert
So checking my bank this morning and I have recieved £35 form MoneySavingExpert. Surprised, only thing I can think of is maybe from when I switched energy suppliers, but thay was back in April. Thank you MSE
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Anybody know the 'grace period' for returning late at APH, Slip End Luton Airport?
As far as I can make out, it's simply 'up to midnight'... which is pretty useless for flights scheduled to land, say. 10pm.
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Lloyds home insurance ends in 3 weeks
I have been sent the documents for my renewal which is an increase of 6.5% According to Martin Lewis tonight it should be goinfg down. Are there links to home insurance companies on this site. So I can look for a cheeper deal? Thanks. Desmond.
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Car accident – repair privately vs insurance ( worried that Insurer will opt for r writ-off?)
I’ve recently had a car incident (no injuries) and my car needs some bodywork repairs due to deep scratches. I’m trying to work out the most cost-effective way forward. Damage is some deep scratches around rim. Damaged when car was parked. I have Insurer excess of £500. My One concern is that although the damage appears to…
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Has MSE helped you save or reclaim money in 2026?
Hi all, We love seeing your MoneySaving success stories! Whether it's down to the Forum, the main MSE site or the Money Tips email, it's always great to read about how you've been able to use MoneySavingExpert's news articles, guides, tools or online community to help save money or get it back. So let us know below if…
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Christmas gift had item missing. Company no help.
Hi all, My son purchased a perfume gift set from justmylook.com costing £92.99 for me for Christmas. It should have included eau de parfum 100 ml eau de parfum travel spray 10 ml eau de parfum mini 5 ml When I opened the box on Christmas morning, the 100ml bottle was missing from the box. My son had wrapped it in the…
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Probate Interim Payment
Hello - thanks in advance for any responses/advice… So my mother's estate has gone through probate, and my solicitor - Octopus Legal Services - obtained a grant at the beginning of December. Just over two weeks ago, they sent out closure forms to mum's banks. One of the banks, Saga, has emailed the solicitor re: a bank…
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British Gas billing chaos
Hi, My bills from British Gas recently have been all over the place with them transferring several hundred pounds between my two accounts (one address, two accounts, no idea why), usage has been transferred between accounts as well, and I've got bills for periods that have already been billed for. A customer adviser seemed…
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Motor insurance renewal. Unfairness on law abiding policy holders.
I appreciate that this topic has been subject of previous forum discussions but this is just not fair. In brief. I am a long standing no claims multiple vehicle policy holder on cars, motor homes and motorcycles. Last June 2025, I parked my car, lawfully and with permission, on a school car park clearly within a marked…
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£2000 a week for my mum's dementia care home!
I can't find a category for this. I hope this may reach the right audience. Please can someone update on what is going on with this scandal of dementia care-home costs? Mum is self funding as she has savings of over £23,500. Dad is still living in their home so I know that's safe. How on earth did we let this happen these…
