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Old Style Daily Wednesday 14 May 2025
Morning all.
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Fiat replay on car finance reclaim
Hi this is what they sent me as a reply and they haven’t responded since march 2024. Is there any update recently? Thank you for your recent inquiry asking for confirmation of whether we paid the dealer a discretionary commission for your introduction to us. We're checking our records and will come back to you in due…
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Selling second home
I purchased a home in my name for my dissabled brother needing 24hr live in care in 2021.near me so I can keep an eye on his care. i have gone through 3 agencies due to poor care and property damage and now have had enough and need to sell and get him specialist residency care. My health has deteriorated and need the money…
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Need help with Cabot response
Hi Everyone, I am seeking advice over a defaulted debt that is being chased by Cabot Financial. I've had a read of the forum but still looking for some further advice before I proceed as this is all new to me. They began chasing me at the start of the year by sending letters and calling me daily. After weeks I wrote to…
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Revised Water bill issued for last 3 years
Hi everyone. I need some maybe alot of help and advise please. Here is the story. The in-laws live in a 4 bed house but only 2 rooms in use. I asked a few years if they have a water meter. They showed me letter of the meter being fitted and the serial number. They where told that for one year they will get bills showing…
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How to find student discounts
Hi all, I'm wondering what people's strategy is for finding discounts and cashback offers. There are multiple different student discount schemes. There are also multiple cashback providers, including the cashback sites Topcashback and Quidco, cashback from debit or credit cards, points from nectar, avios etc. I've often…
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Stopping in a zone where stopping is prohibited - Leeds Bradford
Hi all, I’ve just received a Parking Charge Notice from VCS for a brief stop at an airport barrier—according to their photos, I was there for 35 seconds while trying to read the signage. I had already pre-paid for parking, but Google Maps directed me to the wrong entrance. I accidentally entered the wrong area, paid £7 to…
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Pepsi mech - water bottle - Ireland only
I was playing the daily Pepsi game & didn’t know it was for Ireland or NI only. I won a water bottle so if anyone here is from there & wants a code & link for a water bottle, message here & I will message you directly the info. it may be link to my email address & wants to chance it. If you know anyone aswell
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LPA Certificate Provider concerns
Hi I would appreciate your views and suggestions on a situation that has arisen:- My nephew applied for LPA as his father was not in good health brought on by heavy drinking and ended up in a care home unable to look after himself. He prepared application for LPA and got his siblings together to discuss their father's…
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Parking large vehicles
I believe HGVs are not allowed to park in residential areas, but are there and specific rules for large vans?They can block your view when parked, I have an old friend complaining about one of our large minibuses parking close to the entrance of a gym. He parks partially on the pavement, but close to the entrance.
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RTS meter or not
Hi all i have this meter - day and night tariff but i cant understand if i need replacement because of the signal technology being switched off in June . It doesn't have that black box next to it.
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Trading 212 vs Conister Bank
I have around £20k in a Trading 212 account which is currently at 4.61% (4.35% + 0.26% promo rate). However I'm aware this may drop soon due to the interest rate change. Having received MSE weekly email today, the best 1 year fix is at 4.52% with Conister Bank. Would you consider switching to this considering the…
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Massive Wannabe
I have been on MSE for yonks but always lurking around in the background. I spent several years on a DMP, eventually managing to clear the lot (was around £60k) which is probably the hardest thing I have ever done and one of my proudest achievements! I bought my house four and a half years ago now and my mortgage renewal…
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Lease extension price increased!
Hello, My first post here. I recently had to sell my sister's flat as she has Alzheimers and is having to pay £1900 per week for her care, I am a named attorney on her financial LPA. She owned 60% of the property which she purchased from a housing association and obviously paid rent on the remaining 40%. Had to jump…
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Appealing to Popla
I have received Parking Charge Notice Number XXXX for staying in the McDonald's car park at Stansted for over an hour, issued by MET. I appealed on their website, following the guide for newbies, and have received a response from them: # Thank you for your correspondence received in regards to the above parking charge.The…
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Anyone has dealt with sca-tax.co.uk who speciliased in SLDT refund?
Saw the advert online and advertised that if purchasing a property through ltd company as buy to let, there are 29 ways of claiming stamp duty partially or fully as a refund from HMRC. Checked their review on Trustpilot, seems really good but looks like too good to be true? https://uk.trustpilot.com/review/sca-tax.co.uk…
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MSE Poll: Do you have credit on your energy account?
Poll started 13 May 2025If you pay for your energy bills by monthly Direct Debit, your provider could be sitting on hundreds of pounds of your money. Now's a good time to check and ask for it back - you should have minimum credit at this time of year. So, we want to know whether you're in credit on your energy account.…
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Merged Cash ISA question
If I have a flexible cash ISA with 2024/25 subscriptions in and 2025/26 subscriptions in, can I transfer £10,000 to another ISA and call it last years subscription? or has the rule keeping the current years subscription together now gone? tia sx
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Defibrillator and getting through security
The OH had a defib implanted a couple of years back. Never had any issues with it and fortunately it's never needed to do its duty. Next week for the first time in a decade at least we're flying from Heathrow. I've been told he can't got through security as normal as the scanner thingme will set things off. Does one simply…
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First default hits…not sure of my plan now
As title, first default has appeared on my credit file from NatWest for one of my two credit cards with them. I also had two personal loans with them and all are with Financial Ombudsman for an affordability complaint and I’ve had letters from Moorcroft for all four accounts. NW nor Moorcroft have had any payments at all…
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Agent undercharged outgoing tenant
My elderly parents own a property which they rent out, with an estate agent to manage it. Whilst doing the property's year end finances for my parents tax return I noticed that the agent had undercharged the outgoing tenant by almost £750 in rent. They acknowledged it as a 'system error' but want to try and retrieve it…
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Stansted’s Airport chaos Sunday 11th May
My family were due to fly out from Stansted on Sunday morning. The airport’s internet had gone down and no one could be checked in. Chaos ensued. We were stuck in amongst hundreds of other passengers. There were no useful announcements. Staff we saw didn’t know anything. Because we were earlier than the worst of it we…
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Parking ticket CCJ
Hi I have just found out that I have a CCJ against me for a parking fine. The CCJ correspondence went to an old address so I was not aware of the proceedings. It has been a while since the CCJ was issued. What is the best way to get it resolved quickly? I need to get my credit file clear. Many thanks for your help.
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Does the £85k FCSC Limit Apply to Pensions?
I'm self employed and have a private pension with PensionBee. Should I keep my pension pot below £85k and invest in a new pension with a different provider to ensure it's all protected, or does the £85k limit not apply to pensions?
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Repairs to soil pipe joints and gully
This is a victorian terrace, so combined sewer system. The soil pipe has been CCTV surveyed and has found that there were two displaced joints within about 1m of it going underground adjacent to the house. The same company have proposed a 'no dig' repair where I think they essentially apply some sort of plastic to the…
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Tax return and Buy to Let mortgage
Hi, I'm a landlord filling in my tax return for the first time, and as the title suggests I have a buy to let mortgage. I know that I can't list the interest on this as an expense, but I should be able to use it to get 20% tax relief. However, I have no idea where I am supposed to enter the details in order to claim this…
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Simple Will. What to expect
Following my fathers recent passing my sister and I are left as joint beneficiaries and executers on an estate with a modest house and a few grand in the bank. We will not be liable for inheritance tax. I am aware you can do probate ourselves but we are time poor and keen to move on with life after his long illness. We…
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Do you keep packaging?
Cardboard boxes from large items (flattened), bubble wrap, large polythene bags, thin sheets of foam, jiffy bags, that sort of thing. I'm bad with it. I keep a lot of stuff. packaging can be useful for all sorts of things, but I try to not hoard "too much". but every time I can use it, I'm glad I kept it.
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Flat sold, and new landlord hasn't told me where to send rent
Hello. I have been living in this flat for five years and last month the landlord sold the flat to someone else. I have received information from him; a letter saying that the building has sold, and the name of the business that now owns it, as well as evidence of all the gas checks etc it has had. Last week I got an email…
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Central Co-op to end "member prices" and replace with new scheme
Central Co-op (that's the Co-op society broadly located mostly across East Anglia and the Midlands) are ending their "member prices" deals next month in favour of a new instant-cashback system. Central Co-op is separate from The Co-op Group (blue membership card) who will be continuing member prices. Currently their member…
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Barclays and Nationwide
I’m sure they are not…..but reading something on line I just wanted to be 100% sure….. are Barclays and Nationwide linked? My Barclaycard is going to default and I want to use nationwide as my main account going forwards. Thank you
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MoneySaver's 'unbelievable' £675 refund from Complete Savings – how to check if you can claim too
MoneySaver Ray secured a £675 refund from Complete Savings after reading our warning about the 'cashback with a catch' site's misleading 'click to claim' ads. And Ray's not the only one, as we've been swamped with similar successes. Read the full story: MoneySaver's 'unbelievable' £675 refund from Complete Savings – how to…
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Urgent Help Needed – Gas Supply Issue Potentially Leading to Court Action
Hi everyone, I'm new here, so I hope this is the right place to post. If not, I'd appreciate it if a moderator could kindly move this to the appropriate category. I run a medium-sized gym business and I'm currently facing a serious issue with our gas meter and supply. Back in 2019, I used a broker called "Make It Cheaper"…
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What to make with two avocados
I've been given 2 avocados and need some inspiration please. I was going to mash them up and add them to some oats, sultanas and an egg (then stick the mixture on a tray and bake in the oven ---------> think flapjack). Anyone else got a better idea (sweet or savoury)?
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Am I eligible for a heat pump grant without a boiler?
Yes, you can be eligible for a heat pump grant without a boiler. The Boiler Upgrade Scheme supports installing air source heat pumps, even if you don’t have a boiler, provided you meet the energy efficiency requirements. Check the eligibility criteria on the government website. How can I apply for a heat pump grant?
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Halifax Overpayment
When do Halifax add on the early repayment charge if you've exceeded the 10% maximum per year?
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Can I claim any money back from an old mortgage?
My home was repossessed 19 years ago but it sold at auction for double the loan amount is it to late to claim any money owed to me? I don't know my mortgage number but I do know the lender and I have contacted HM Land registry and they are going to send me a file of my details of when I lived there. Is this the correct way…
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GAP insurance and Finance Company, and me stuck in the middle :(
I am in need of some advise, maybe somebody has been through the same situation I am in currently. It was my first time taking out a lease car, and I was advised to get GAP insurance should the worst happen, a few months into the lease and the car was in an accident and sadly was classed as a total loss, my Insurance…
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Oil for external wood
Any suggestions what to oil some Meranti slats on an outdoor bench with?Was intending to use Osmo Exterior oil until I saw the current price.
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Stung again - do I have any angle to fight this one?
Hello again everyone, thought it best to start a new thread separate from my other ticket. Context, keeper's car parked in allocated parking bay for rental accommodation. Car park managed by PPM. Permits are issued to each rental property, must be displayed in windscreen. Received a PCN as the permit was not fully visible…