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Can't get into my Amazon account
Hi, I have been buying off Amazon for years but now cant get into my account. It said it sent a code to my mobile phone and to use whatsapp to get it…but thats no good to me as my mobile phone is a dumbphone (i do have a smart phone but Amazon dont know its number, and i only use it in places where there is free wifi , if…
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Have I missed anything at my current stage?
Received a parking charge notice a couple of weeks ago as the registered keeper for a Tesla vehicle which drove into a hotel car park with a 24hr publicly accessible 8-10 bay Tesla supercharger to charge. The driver never left the vehicle, only to plug in for approximately 20 minutes before continuing their journey. The…
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Hot water heating - oil or off-peak electricity?
I use my oil fired boiler to heat my hot water cylinder but I have just looked into getting an EV electricity tariff that gives me an off-peak rate of £0.09/kWh. Oil is now at £1.15/litre. Has anyone a method of calculating which is cheaper, oil or electricity?
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Re: need to request personal data from credit reference agencies
Evening! I was looking up a companies "company policy documents" and they stated that they may, in certain instances – notably in compliance of Money Laundering regulations – need to request personal data from credit reference agencies or similar. In particular they use SmartSearch. found hear…
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Is it really this easy to create rich children (or at least very well off)??
Say I'm 30 years old. and I have lived my 20's and I'm not broke and have no debt. So say now I have a child - the minute this child has a birth certificate I make a stocks and shares JISA for the sprog. Now a JISA limit is £9000 per year ( £750 p/m) £750 per month in the stock market returning 7% is is £320K after 18…
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Adult son moving home and UC bedroom entitlement
Hello, My adult son who is 23 is potentially moving into my home, he is currently living with his father but needs to move in with me as he doesn't drive and needs to be near a station for a new job. I currently rent and am the only person on the tenancy, I have a 19 year who works and a 17 year old doing A Levels. I get…
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Redundancy/higher tax
I’m due to be redundant at the end of the year. Taxable income will be 56500 (to the date) Severance is 95500 (30k tax free) Anticipating a new job starting Jan where I will earn 17500 by end of tax year. So P60 will show somewhere in region of 139000. When I start the new job will I be taxed at the higher bracket ? Would…
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Bookmarks
I wish we could have the bookmarks in Quick Links back to how it was before the changes on Friday …
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You’re likely paying a lot less tax than you might think in retirement
promoted by a random Reddit thread about avoiding 40% tax, I wondered what the effective rate was when considering both personal allowance and 25% TFC. I farmed it off to chatGPT as I was musing during my lunchtime and I thought the info was useful to post for those taking drawdown up to the top of basic rate your effect…
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Oxbury email
Received this just now: We are writing to inform you that there was an error identified in your recent account statement from Oxbury (labelled as End of Term Statement/Annual Statement). That statement will be removed from Oxbury Online Banking and your Oxbury App whilst we correct this issue. That statement incorrectly…
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Manchester Airport PCN
Hi, any advice appreciated please. I forgot about paying for Manchester Airport drop off, and missed the deadline. A few days later, and in a panic, I emailed GeneralEnquiries.MAGParking@apcoa.com asking if I could pay after missing the deadline - received a bot response stating I could not pay, and needed to wait for the…
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Returned wrong item to seller !
returned item to seller as not as described - they paid postage both to and from me - only problem is I have posted the wrong item to them ! question - so do I have to now send them money to post the wrong item back to me ( how ? ) and then pay to send the correct item back ? Would it be worth doing or just cancelling ?…
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Sky and Now mid contract price rise conditions
Hi can anyone please help clarify this. I'm Looking at the best offers on https://www.moneysavingexpert.com/compare-broadband-deals/ but both Sky and Now come top but have these provisos: Alert. Unlike most big providers, Sky's price doesn't include all future mid‑contract rises. Sky says prices are variable and so doesn't…
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Tax repayment claimed back by HMRC
In ‘24 I completed a self assessment for 23/24 which included PAYE pay and pension as I retired in Nov ‘23. (No other taxable income). The calculation was in my favour and a repayment of £250 was credited, which I took as a cheque and I informed HMRC that I didn’t need to complete self assessment for the following year. I…
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DCB Legal / ParkingEye Claim - Defence Check
IN THE COUNTY COURT AT NORTHAMPTON CLAIM NO: (Removed by Forum Team) BETWEEN: PARKINGEYE LTD (Claimant) and [YOUR FULL NAME] (Defendant) DEFENCE The Defendant denies that they are indebted to the Claimant for the sum of £170.00 as alleged or at all. The Defendant denies liability for the parking charge, the purported…
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How to Pay for University Interest Free?
Does anybody pay for their young adults Uni course via the Unis interest free direct debit facility? Or does their young adult pay for its themselves via a part time job? I've looked into it, buts its on for 6 installments per year only. I think I can top it up between October and November too! How have you paid for it via…
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Creating extra gmail addresses
Be gentle - I am trying to get my head round this but do not handle change well! Scenario - have had BT email for decades, with a main address and what used to be termed a subsidiary address (used to be able to have several). Main is what I call my "personal" email used for family, friends and official & private stuff…
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Virgin Money / Bank Statements
My Virgin Money Bank Current Account statement has simply not appeared this mornth (covering August). Now even at the best of times this bank seem unable to provide a monthly bank statement on the same date each month, it often varies between 1st - 6th of the month. But this month its now the 15th September and still…
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PIP/Medical Records Request.
I am going through a personal injury compensation claim for my self. My solicitor has requested my DWP records as I claim PIP my self and its needed as part of my claim. My question is that I am also a appointee for my daughters PIP claim. Will DWP provide information to the solicitor that I am appointee ? and give…
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External wall insulation
Can anyone tell me if the wall in the photos,has been applied a cork render insulation? Thank you.
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If only it were true . . .
I got an email from EDF telling me that my tariffs would increase on 1st October. No surprise there then. But when I click on the link to the NEW prices I get the above!
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Best way to send money from overseas bank account to the UK?
My wife lives with me in the UK on a Spouse Visa. She wants to send around 12k to a UK bank account. Apparently Wise is the cheapest for sending money internationally but caps the payments at around 3-4k a month which is infuriating I imagine credit cards or normal bank transfers will give worse rates and I don't trust…
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Emailing my defence
Hi, so my defence and N9B form is complete and I’m going to send it today. Can I check, am I supposed to CC the claimant solicitor in too? And Its better to email it than submit via MCOL right?
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BG Standard Variable or alternative?
Hi all, We're due to come to the end of our fixed British Gas tariff "Peaksave Super Sunday v6" (which no comparison site seems to have heard of) and weighing up options given the price cap increase in October. We've been told by BG that we can switch now without fees, and will be switched to their Standard Variable Tariff…
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Distributing estate early
Hi gang, Dealing with estate as executor. Under some pressure from beneficiaries for their inheritance. Everything with the estate is done and ready, there are just a couple of outstanding debts/liabilities to settle that could still take some months to work out, i.e. DWP for potential overpaid benefits. Aside from being…
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Tesco x Euro Parking Services
Wanted advice on this case so I can get it squashed as quickly as possible. We have received a £100 parking charge notice from Euro Parking Services. They say this is due to the contravention of "not parked correctly within the markings of the bay or space". The reported incident happened outside a Tesco store for less…
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Money Moral Dilemma: Should our younger daughter pay towards using our older one's birthday present?
This week's MoneySaver who wants advice asks… Our eldest daughter, who's 12, got a zookeeper experience for her birthday. On the day it was booked, she became anxious and didn't want to do it. As we'd booked zoo tickets for the rest of us, we still went - and let our other daughter, who's 10, do the experience instead so…
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Euro Car Parks via DCB money claim
I'm looking for some help to dispute the claim I have received. It dates back to 2023, I was not the driver, it is a pay and display car park with ANPR checking the entry and exit. The PCN was for 'No Valid Pay And Display/permit Was Purchased' Potentially there was a miss type on the number plate, but I can not be sure.…
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ANPR Parking Charges – Can Horizon Rely on POFA When Notices Were Sent to a Non-Existent Address?
My vehicle was parked several times in the same ANPR-controlled private car park while displaying a Blue Badge. The driver mistakenly believed Blue Badge holders did not have to pay, but later discovered that payment was still required. I received none of the original Parking Charge Notices. My vehicle had been registered…
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Paying back child benefit and tax code
Hi, I'm so confused, and more so after an unhelpful call to HMRC. I've always earned below the threshold to pay back child benefit, but last year (tax year ended april 26) due to a one-off bonus my earnings were over £80k so I understand I'll have to pay it all back (claiming for 3 kids). This year my earnings will be back…
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2 Unfair Parking Charges, Any Advice Welcome. Xx
Hi all. Newbie here so I hope I’m doing this correctly 🙏. I have 2 parking charges I am disputing at the moment and I would be really grateful if anyone has any advice or suggestions. I feel so strongly that these charges are unfair that I haven’t paid either charge and now have the charges going up. First is from…
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Estate agent advice - selling leasehold flat in London
Hi all, I was just looking for some advice on selecting an estate agent to sell my leasehold flat in London (Beckton, postcode: E6). I was a first-time buyer when I purchased it in April 2020 so I've never sold a property before. Paid £275,000 for it. The lease has 102 years left. The service charge averages £1800 p/a and…
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value of transfer query
Hello all my first forum query !! I am looking to transfer to a fixed rate cash isa. my current cash isa provider will not let me partial transfer £20k. Can I transfer £40K in one transfer ? many thanks
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Yahoo email - non-current contacts
I have an email address on Yahoo, which annoyingly when I start a new email offers me a list of people some of whom are in my “contacts” list (that’s ok) but also people who were once contacts but now deleted, may have been on multi-addressee emails but not mainstream, some of them are people now several years dead. Is…
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POPLA appeal comment advice - already admitted I was the driver
Hi all, I truly wish I could have seen this forum earlier but unfornately I didn't. This was my first PCN ever. Long story short: I received a PCN, appealed stating I was the driver, appeal rejected, POPLA appeal submitted, operator evidence uploaded, now 7 days for me to comment. Timeline: May 19 I passed by store B’s car…
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Debt Advice
Sorry if I'm in the wrong place. I'm struggling to navigate the site. Hi everyone, I have autism and ADHD and have unfortunately got myself into a bit of a pickle with debt, mainly due to compulsive spending. This is something I will be getting therapy for over the coming months. At the moment, I have three loans and three…
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Figs
My fig tree (Brown Turkey, about 10 years old, growing in a large container) has had its best year so far with seven figs which ripened. It also has about three dozen little figlets which have developed since early summer but are still at the size in the photo. I know they won’t ripen now and need to be taken off. Is there…
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NatWest ISA Questions
Hi, I know the fixed 1 year has interest paid annually, but does it tell you on the app each month what the current value is, or do you literally see no interest until after 12 months? Do they accept transfers in of an existing ISA which is worth over £20k? Thanks
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Broken PC mouse (Razor). Still in warrantee. Who do i take it too officially?
The mouse was £120 I purchased the mouse form Currys in 2024 October 12th. It has a two year warranty (Currys webpage lists it too). I spoke to a person at currys who said that because it's over a year old I need to contact razor. I contacted razor who said because i purchased it from Currys I need to go back to them.…
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Do I need a solicitor? IHT payable
I recently lost a parent. I was all geared up to do all the probate paperwork myself (they had done it countless times, how hard could it be?), however everyone I mention this to looks at me funny and recommends a solicitor… I have already gathered all the financial details (car, house values etc) and notified all relevant…