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Is a default worse than a bunch of missed payments?
Essentially i lost my job earlier in the year which made me fall behind in my loan repayments, i now have a default notice advising me to clear the arrears (deadline a few days away) failure to do this would mean i have broken the contract which i assume means they will be put a default on my credit file. I have the…
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IHT forms process?
situation: two executors/beneficiaries on second parent will. Paid for a legal advice session which confirmed all is straightforward, no trusts etc, eligible for 2 x RNRB. Now going DIY. Both executors/beneficiaries in agreement (happily) and other person happy for me to make it all happen. No charity bequests, straight…
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Is High Taxation influencing your retirement date or plans?
I know I’m fortunate, but the income tax rates / bands and fiscal drag have actually pushed me to reduce days a week and abandon higher bonuses; as it’s simply not worth it. This will be compounded if pension tax relief is messed with. Example; Does anyone remember the senior Doctors & Consultants refusing additional hours…
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Who physically pays the IHT following a large loan?
FIL has given a loan of say, £100K to a child to help buy their home. If FIL dies within the 7 years: 1. Does the child have to pay to HMRC IHT of 40K (its now tied up in a home, so how?!?) 2. If not, does the 100K just get "added" to the estate value, so all beneficiaries effectively share the burden of the IHT ? Child…
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White porcelain patio
Has anyone laid one? How does it fair? Get dirty much? Too bright? Interested to hear or see pictures as I ponder whether I want to go with that colour.
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Requesting pointers on appeal (Met Parking)
Hello, I have spent a lot of time on the newbie thread and searching the forum but i am really struggling to determine what my correct next step is. If anyone feels willing to give me a pointer please do. Many thanks I received a 'notice to keeper' from Met Parking Services. I parked in a McDonalds car park for 129 minutes…
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Answering "no" to all questions on TV licensing website but it still says I have to by a license?
I received another letter from TV Licensing inviting me to visit https://www.tvlicensing.co.uk/check-if-you-need-one/topics/telling-us-you-dont-need-a-tv-licence and fill out the form. I answer "no" everywhere, yet upon hitting "submit" that page displays a message at the bottom that says "based on your answers you need to…
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Employer refusing to pay SSP
My wife was off sick for about 6 weeks and had certs from the doctor. She received very abusive texts from the company boss telling her to "get back to work". He has refused to pay SSP and when my wife replied saying it is the law he said "I don't care about the law" I have now found out he has not paid her pension into…
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COUNCIL TAX SUMMONS
Hi , I have this morning received a council tax summons for a court hearing . This time around i did not receive any Notcie Letter to say i was in arrears . I have in the past had this letter usually with 14 days in which to pay however on this occasion i have gone straight from the bill issued in April to a Summons this…
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Registration self assessment
Doing my first self assessment and on the registration is asking date untaxed income received from ? Do I put the start of last tax year there ? Thanks
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Appealing charge from Azure Parking - asked to confirm driver
Hello and thanks for the very informative forum. I received a letter by post entitled Parking Charge To Registered Keeper. I sent an appeal using a version of the Newbie template and have received the following reply: As you have confirmed to not be the driver on the day. Please be advised, we can only process an appeal…
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14 months to go!
As moneysavers go, I've never been in the depths of being in debt. I'm more of a 'there's always something' at some point in the month that happens, that messes my beloved budget up and I predictably feel down on myself for either not being prepared or not foreseeing something that I should! I live on my own (apart from my…
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Can you easily cancel an out-of-contract SIM-only if you're not switching?
I thought that was what STAC was for, but it turns out that it will only action the cancellation when another contract with a different provider is taken out. I still have a long-term iD SIM running and only took out a one month Talkmobile SIM because I needed to massively boost data for a couple of months. I've now used…
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O/S Daily Friday September26 2025
Morning, it's dry here but chilly. Sorry to hear you're not well Gers. Glad work is going ok Camelot. Hope your new client settles down with you Ruby, though it sounds as if you won't have him for long. We've been busy for the last couple of days so I didn't get to post. We met up with the Australian visitors on Wenesday…
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How long to leave it to chase progress?
Won item, paid, item not sent yet. Not saying how long in between yet, just want to gage replies first. Seller messaged apologising for delay as death in family and will send asap, but no update as posted yet on Ebay. How long would you chase up from the message?
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Make Me A Winner - General Chat
Instead of bumping the Make Me A Winner thread, https://forums.moneysavingexpert.com/discussion/6539715/e-19-07-3pm-win-make-me-a-winner-20-free-entries-via-phone/p1?new=1, with needless chat about getting calls from someone other than the station and answering the phone with the phrase "Make Me A Wiinner" only to find out…
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Redemption - The journey of a recovering gambling addict.
Ok. Here goes. This is my journal on my journey to redemption. First post is to outline my current situation. Salary- £75k + Married Two Children Personal Debts Bank Loan 1 CAR - £20433 - £352 4.3% Debt Consolidation Loan £10,344 £153 5.2% MBMA - £4300 - 0% 14 months NatWest £3000 - 0% 12 months I have told my wife…
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Trying to get a refund from Amex
I have had my Amex card for a while, never had an issue, never needed to get a refund. Until this year. I had to cancel a trip and the hotel refunded me £1200 to the Amex card. I contacted Amex and requested this money was sent from Amex into my bank account. I have a few bank accounts. According to Amex the money would…
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Opening a RS
Just curious to know what everybodys criteria / cut-off point is in terms of opening a RS... I'm relatively new to RS. Atm I have the Principality 7.5% RS and the Zopa 7.1%. I had initially thought that I'd start with these two, and then open any more that were 7%+ Starting to realise that that's maybe too optimistic and…
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Gym change of membership terms - what rights?
Hi all, I'm after a bit of advice... We have a family membership with what was Roko Gyms, who have now been taken over by Everlast. The main driver of the family membership was for our 14 year old son who is a big swimmer at the gym, and was able to attend the gym between certain hours by himself. Everlast have done a…
