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Urgent Debt Advice
Hi all, new here so thanks for accepting. I am looking for advice please. I have around 35k debt and looking for best advice to clear. I am working full time and have no assets (no car I own or house. I live with partner and have a baby. The house is a mortgage in my partners name only and I just contribute towards bills…
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HSBC £500 (was £250) switch offer for opening a Premier Account (23/03/2026 to TBC)
New HSBC switch offer starts today. While it's marketed at high earners, don't let that put you off. T&Cs. Edit: Offer has been increased from £250 to £500. They use the word "salary" but can't find anything yet to define whether this means that self employed people or freelancers (i.e. non-salaried people) are excluded,…
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Lowell letter advice
hi all I am on a self run dmp plan. Lowell just sent me a letter saying may send someone to the house. Do they actually do this?
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My Fence- come/Neighbours
My back garden fence backs onto a Council run allotment, my fence is not in the best of health but is covered with ivy and such like, that in a way, they are a support for each other, A few weeks back, without me being informed ( which i feel i should have done) they cut off all the overhang growth on their side, thus…
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Lowell threatening with 4 months until statute barred
I defaulted on a credit card in July 2020. Lowell have bought the debt and have been ringing, texting and sending letters. Today I got a letter saying if I don’t get in touch by 1st April they will send a field agent to my address. How likely is it that they’ll do this with 4 months until it’s statue barred please? What is…
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Opened credit card dispute long before 120 days, kept getting requests for more info, now denied.
Not the first time this has happened to me. Basically bought items around Christmas for presents, was a delay and so by time they arrived I had bought other items, and another order arrived damaged. Sent them back together, but not until mid Jan as was busy due to stress of Christmas and New Year, items seemed to go…
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Kent Reliance - flexible ISA?
Hi, I'm looking at flexible ISAs at the moment, and there is an Easy Access Cash ISA Issue 73 at Kent Reliance which looks okay. The setup process seems a bit complicated as you first apply for an account and then they move it to the new Kent Reliance Online Services. According to the Key Features and Summary Box for the…
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I Used ChatGPT to Predict the Inflation Rate
I saw the government's prediction for future inflation rates today: which I found to be laughable. It seems that wherever it is now, they think it will head rapidly to 2% then stay there. I asked ChatGPT to take the same graph and make a prediction. Here is the result: Slightly different… Though perhaps even more unlikely…
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Query UC/Self employed/sick
Just thought make quick post ensure ppl think im doing everything right I’ll keep it short as possible basically had a nasty stroke 14 month ago and still recovering. Before that I was running a window cleaning round as well as some cleaning employed As things progressed I got my friend doing the window round and had to…
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How to compel Virgin to give access to my dads phone records
My father passed on 17th February following a short illness (pneumonia and sepsis) although he did have other health issues. He reported to his landlord on the 21st of January that he had no heating and he told me they had sent someone out, the thermostat was not working, and that they were coming back to replace it. On…
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inheritance tax
My assets total around £450,00. If I leave half my house valued at £400,00 to my son and the rest to my live in partner will inheritance tax be due?
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Civil Enforcement Limitied - Claim Form
Hi people, I mistakenly posted the below on an existing thread, so I'm starting this new one which is about PCNs my dad received some time ago. For a bit of background, my dad is not far off 90 years old and we did unfortunately pay one of the extortionate PCNs from CEL a couple of years ago. He’s got two more outstanding:…
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Vinted & Relay
Hi MSE-ers (First the usual apology if this has been covered - I have browsed and tried to search but not found anything). I sold an item on Vinted recently, and the buyer chose Relay which I had never even heard of before, didn't know it was an option. I found a local shop that does it and sent it off, however the buyer…
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Fixed Tariff ending and move on the horizon
I'm currently with Eon and they've notified me my fix is coming to an end. If I do nothing, they will move me to their Next Flex Tariff. I am on a dual fuel tariff as this property has gas and electric. I'm hoping to move within the next few months. I've got a buyer for my house and offer accepted on a property but the…
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solicitor intervened
My solicitor has been intervened by solicitors regulators agency. my will is now in the S R A archives . updated my will April 2025 cost over £400 so that's all down the pan now. what's my next move in this situation
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Cookie pop-ups
Hi all (especially mods and staff), Lately I have noticed that when using the app, switching from one topic or following a shortcut/link, this prompts a pop-up asking for my cookie preferences. I select "essential only" each time, yet each click on a link results in a new cookie pop-up window asking me again. This is more…
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Gifts on a Wedding
Gifts of up to £1000 made on a wedding (before the actual wedding) are free of IHT if my understanding is correct, even if one is not related to the person getting married. Doesn't that mean that one can actually give £2000, as £1000 to each of the pair.
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DCB legal - letter of claim
Hi, I recently received this letter of claim from DCB legal. I have read the newbies thread and have found this template to send: “Dear Sirs, Your ref: [insert reference number] Proposed legal proceedings Claimant: [insert name of parking company] I refer to your letter of claim. I confirm that my address for service for…
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IHT on Pension Pots after April 2027
What are the implications for Inheritance Tax of leaving part of your pension pot(s) to someone other than your spouse or civil partner? For example: A married man or woman has a £400K pension pot and dies before their partner. As I understand it, if the entire pot was left to their spouse, IHT would automatically transfer…
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Parking ticket progressed to CCJ (no questionnaire received)
UK Parking Control & DCB Legal I have read many times and followed the newbies thread up to the point I am now at and I’m unsure how to proceed so any advice would be much appreciated. Supposed offence: parking in a loading bay. I used the loading bay for the purpose of loading/unloading for a short period of time. During…
