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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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Automatic eBay Funds/Payments to bank accounts ending.
You can now enjoy better flexibility and control when managing your earnings on eBay. Starting today, available funds will stay in your eBay balance, instead of being sent to your bank account automatically every quarter. This makes it easier for you to build up your funds, set money aside for a future purchase or withdraw…
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Etsy seller wants me to buy outside of Etsy
Hi I have been in conversation with an Etsy seller through Etsy messages about a custom order and everything was great and then I asked for a custom listing so I could order but he said he's having issues with custom listings and so instead would like to send me his bank details and for me to pay that way and I'm not…
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Diesel car, worth considering?
My car has been written off (not really salvageable) and I am still waiting to hear from the insurer. I was looking at cars and spotted a diesel car (2016) at a good price and checking all of my boxes (i.e. cheap to run, low road tax, reasonable mileage), but I wonder if it is wise. For example, at the moment it is ulez…
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Towing in a car that has no Gross Train Weight
Does anyone here know of a definitive source for the rules on this subject? It's fairly easy to find a statement in the UK Government guidance on towing (https://www.gov.uk/towing-with-car/weight-and-width-limits), but the wording is odd - because it uses the words "should not" when I would expect it to say "shall not".…
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Does leaving a job, when you believe you're going to be fired, affect benefit eligibility?
I'm being put on a PIP at work. I'm aware that if I don't meet the objectives, I'll be fired, unless I'm lucky enough to be offered another role at the company. But, if there is no other role, it will be better for me in future job interviews etc to be able to honestly say that I resigned, rather than that I was fired. But…
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Stuck in unsellable shared ownership flat with rising service charges and debt – can’t see a way out
Hi everyone, I would be really grateful for any advice or perspectives, as I feel quite alone dealing with this and am struggling to see a way forward. I earn a relatively good income (circa £80k per year in central london) and historically had no debt. However, since around 2020 things have gone wrong. Following a period…
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IKRT Ketogenic Therapy
I wonder what are opinions regarding the pricing structures of this Keto company as " starting from" prices usually means a bigger bill at the end :- "Starting from £3,999 for 12 weeks Full quote sent following initial consultation Payment plan available over 3 months https://www.ikrt.org/ikrt-private-1to1-program-fees…
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Advice on Kingfisher pension
I am 58 and have a deferred FS pension with Kingfisher. I was there for 7 years and left in 2007. I have just now taken notice of the statements sent over the years and have now looked online to see the benefit statement. Yes, I should have done this years ago !!The 2020 statement is £2.9K pa and projects around £3.3K pa…
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When is a car sensor just a sensor & when is it not?
So an issue with my car could've been one or both of two things. Currently ruled out the EGR valve so on to the crankshaft sensor. Slight debate over which one is the correct one for the car but most feedback came back as 036906433E. Hopping on eBay & filtering the results for UK based only, the listings start at £12.99…
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Wizz Air compensation + reimbursement. Advice on how to proceed further?
Hi, I was wondering if anybody could give me advise where I can turn to next… On 22/03/2026 we had a return flight from Istanbul to Luton airport (flight time Istanbul 2200 to Luton 2315). Whilst at Istanbul airport the flight was delayed twice before we were ushered into the last seating area next to the gate, within a…
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How to claim back Tax Overpayment on Drawdown via SA
At the end of TY 2025-26 I took a lump sum out of my Pension of £30K, this used up the remainder of the standard rate tax band for the year. I was expecting this money to be fully taxed by the pension provider at 20%, but they taxed it at 40%, resulting in an overpayment of £6000. I know that I can reclaim this tax via my…
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Whats failed? Sim / Phone / Coverage?
hi, i still have several Tesco PAYG sim cards, full size sim cards. they're many years old but one use every 6 months has kept them active. they have been sitting in Nokia 6300's. today i get "sim card failed" on all of them. i don't have any other phones that take full sim cards to check. i popped a Lebara sim in a 6300…
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PCN at residential for parking over the line
Hi all, I received a PCN today for parking a wheel or so over the line. I have parked this way for years and have not received anything up until now. Picture attached, park close to the wall as I do not want my car being hit by the other residents door. I have attached pictures of the sign, it clearly doesn’t state I must…
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Ignore requests from the state trying to claw back pension overpayments after someone has died
Friends or relatives can ignore requests by the Government to return overpaid state pension payments in the event of the recipient's death, as there is no legal obligation to pay the money back... Read the full story: Ignore requests from the state trying to claw back pension overpayments after someone has died - they have…
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Switching from EE to Sky.
I've decided to take advantage of the advertised SKY deal on this site and so switched from my current provider EE. The deal saves me nearly £30 a month. Being an OAP, that is a lot when you factor in the rise in energy costs as a result of the Middle East conflict. I was in a two year contract with EE ending in July 2027.…
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MSE News: Nationwide completes takeover of Virgin Money
Nationwide officially completed its takeover of Virgin Money and its 6.6 million customers on Thursday 2 April – here's what it means for your savings, current account, mortgage and more. https://www.moneysavingexpert.com/news/2026/04/virgin-money-nationwide-takeover/
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Octopus cheaper rate for batteries for small business
Hello,ive just been told by octopus that they have withdrawn the flux rate for charging batteries off peak due to the energy costs at the moment.This beggars the question, why should i invest in batteries if at the first sign of trouble the supplier withdraws the things they encourage to save money and reduce pressure on…
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Cash ISA strategy: add to existing or open new
I’d really appreciate some advice on how to manage my Cash ISAs and where to put this year’s £20k allowance. Right now I have: £86k with Moneybox at 4.32% (including a bonus rate that still has 10 months left — I opened it 2 months ago) £66k with Trading 212 at 3.60% I’m unsure whether putting another £20k into Moneybox is…
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Transferring Shares to my Spouse
It seems sensible to transfer some of my shares to my spouse so we can sell them and each receive our own CGT allowance. My question is about how to transfer them. They are current held by Morgan Stanley in the US, they trade on the NYSE. Do I need to actually need to 'transfer' the shares anywhere or can I just document…
