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Used washing machine fully broken down in 3 months, company refusing CRA2015
I purchased a machine from renew2u for £200, from their ebay page and within the first 3 months is fully broke down. This is the stupid part on my end and i know it's diminished my chance of getting money back, i opened a paypal claim and after they stated to me they wouldnt do anything with repairing the machine while the…
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Job seeking
Looking for some advice here please to pass on to my 21 year old son. Essentially, how on Earth does one obtain a half decent permanent job these days? I am next to useless when it comes to advice for him - having no real clue how the employment world now operates, being an IT dinosaur, and only having contacts within my…
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QDR Solicitors £50 admin charge - advice required
Hi, wondering if someone can advise. I've received a letter from QDR regarding unpaid fuel. TLDR: I am at fault, genuine mistake however there is a £50 admin charge which seems absolutely ridiculous. From some research I have done it seems most people have an £18 admin charge which is still cheeky I think but I would…
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Used washing machine bought from company, broken within 6 months and company refusing consumers righ
* Consumer Rights Act 2015: While the CRA provides protection for consumers, the Act also distinguishes between new, refurbished, and used goods. For used goods, reasonable wear and tear is expected, and we are not under obligation to repair or replace the item unless fault can be proven to have existed at the time of…
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Can I AVC my Xmas bonus
Ooft - very grateful for my Xmas bonus but have been whacked in tax. Can I send most of my bonus to my company Nest pension as an AVC to save tax? We don't have salary sacrifice set up yet - but if it's quick I could set it up for the company - so maybe others that have been whacked have the option also?
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Word: Issue where Word keeps saying to 'Save' even though have just saved it
Hi I'm having an issue with Word at work, when I save a document and then after saving on attempting to close it, it then comes up with the message box "Want to save your changes to 'document name?'", as though I am closing it WITHOUT saving it. If I then open the document, it has clearly been saved, but the message is…
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Finally credit card debt free
Been a while since we were credit card debt free but today I can say it. We changed the way we do the finances. Now my husband pays the bills as its easier to transfer from his account to the joint then the remaining goes to mine so I can withdraw the cash budget for the month then the remaining funds went to the credit…
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New SNUG rates
Great to see the off peak staying the same
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Returns and refunds
On 1st November 2025 I placed an order for a hanbag as a Christmas present for my partner on the John Lewis website. On 5th November 2025 I have arranged a return with John Lewis and downloaded a prepaid return label using Evri as the courier. On 6th November 2025 I took this to a post office and following weighing it,…
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Car scratch repair
I clumsily scratched my car in a parking lot and got quoted over £900 to get it fixed! I think it's because there's a few scratches across multiple panels and there's also a scuff on the doorhandle. See photo below. The car is about 10 years old (we're the second or third owner), and nothing special, so we aren't too…
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Old DVD reader/writer can't see on my Macbook?
I want to sort out my old discs and plug a reader, USB3 so old, into my Macbook, the reader powers up but I cannot see it on the Macbook. I installed Disc Master but that only sees the hard drive. Do I need to get a newer external reader?
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MSE News: Mortgage lenders cut rates for some after Bank of England base rate decision
Many mortgage lenders are cutting tracker and variable rates for existing customers as the dust settles on the Bank of England's decision to cut the base rate from 4% to 3.75% just days ago. If you're on one of these types of mortgages, here's what's happening to your rate... Read the full story: 'Mortgage lenders cut…
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Land Registry
When buying a house it has transpired it is not yet registered with land registry. The seller has now found the paperwork and submitted an application to land registry to hopefully get it registered so the sale can progress. The solicitor won’t start any searches until it is registered. I am hoping they have expedited it…
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Parking Eye Ticket - Forgot to Enter Car Reg
Hi all I visited a leisure centre about a week ago, and unfortunately I didn't release their car park had parking eye and you had to enter your reg in a tablet inside (you didn't have to pay, it just covered you for parking for a few hours). I don't recall seeing any signs for it but it could just be me being oblivious. It…
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UKPC PCN – visitor parked in mixed-use car park, residential bays marked on ground only
Hi all, I’ve received a windscreen PCN from UK Parking Control (UKPC) and would appreciate a sense-check before appealing (if it’s worth it) The cost of £60 of paid in 14 days, increasing to £100 after. Details: • Operator: UKPC (BPA member) • Ticket type: Windscreen PCN (issued on the 19/12/2025) • Location: Mixed-use…
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British Gas cancelled my fixed rate
Wondering if anyone has had the same experience and what the outcome was. So fixed my gas and electric early October. Received the confirmation emails and heard nothing more. Gas is fine but my electric tariff (Peaksave Sunday V10 fixed until november 2026) has been cancelled nearly 2 months after it was fixed. I was only…
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Relationship breakdown and mortgage question
Morning all Unfortunately, a family member has reached the end of the line with her relationship. She has been with her partner for 10 years(unmarried) and has a 3 yr old child This is the situation and wondered if anyone has been in a similar situation and can offer some hope and advice! My husband and myself have advised…
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DF Capital
I recently opened a 24 months bond with DF capital following comments on here about them being a good bank. I put in the maximum 120k which is protected by the FSCS. Everything went well but today I received this questionnaire, which I am asked to complete and return to them. It feels very invasive and I have never had to…
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Vauxhall Finance / Stellantis now
I got the following email: Dear [REDACTED] Thank you for your email dated 08 February 2024 asking for confirmation of whether we paid the dealer a discretionary commission for your introduction to us. After checking our records, we can tell you that there was a commission model associated with your agreement. We are in the…
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Want to transfer out of my Trading 212 cash isa
I tried to transfer out of my T212 cash isa to a fixed NatWest account. I put in the roll number box section my Customer Id from 212. Got a message from NatWest to say contact them. Turns out I provided the incorrect number so I gave them cash isa account Id instead. I have set up a Tembo fixed 4.3% just incase. However I…
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Pastdue credit solutions
Hi all, hopefully this will be an easy one to resolve and you’ll all reassure me that I have nothing to worry about. I’m a man and I have never purchased anything through Tesco Mobile, subscribed to any of their services or used them for anything. But despite this, I keep getting text messages from Pastdue, addressed to a…
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Advice on fund
Can I get some advice on this please how does it compare to short term money markets & funds like VLS80 in terms of risk and returns outlook . Does investing large one off amount in it now pose any additional risks INVESCO BOND INCOME PLUS LIMITED (BIPS)
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Best Financial Decision of 2025
What's everyone's best financial decision(s) of 2025?
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TIP: You're entitled to a FREE battery backup for your router if you have no mobile signal
When the phone companies took away landlines, they were supposed to ensure you have access to emergency services in a power cut. That means if you live in an area with no/poor mobile signal, they have to give you a battery backup to keep your router on long enough for you to report the power cut/call 99 etc. If you call BT…
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Internal Door Lock Type Question
Hi, Hope you can help. My kitchen door latch broke over the weekend and will not turn anymore. I like I have done so many times before took off the round knobs expecting to find the standard square metal pole that connect both knobs. But this one has a semi circle that links the knobs, i have never seen one before but…
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Universal Credit money from mum
Hello, I posted this in the wrong place, hopefully I have this correct now. I would be grateful if someone could help. My mum gives me £230 a month to help towards food and electricity. I am on universal credit, new style ESA and Adult Disability Benefit. I have read that money from my mum is a gift and as long as it’s not…
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PPC Tickets for Stolen Car
Our car was stolen from our drive. Police were immediately notified and came to our property to take statements as were our insurance. The police were looking for it the following day and, by chance, it was found at about 10pm (as we spotted it) not that far away from where we lived. The police were involved throughout and…
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How do I use my credit card?
Hello all - apologies for the rambling. Having a hard time trying to improve my credit score. I’ve been at 0% utilisation on 2 credit cards for 2 years and my credit score seemingly doesn’t thank me for it. I decided to start trying to use them. 10th November - Spent £1,199 23rd November Statement Date - Paid it in full…
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SIM-only haggle
Hello I'm currently with Lebara, and I originally signed up to an MSE Blagged SIM only deal. It's price has crept up over the years so I want to get it down again can I just haggle with them directly? I can see better deals on MSE's website but those are for new customers. Any help would be appreciated
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LinkedIn open to work status - company uses external recruiter
So I have been looking for alternative employment within my company for the past 6 months, have applied for a 3/4 roles, have been down to two final interviews where I was unsuccessful but the feedback was that I interviewed very well but basically there was a preferred candidate each time/candidate with more experience.…
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Negative equity pay off
Hi I'm looking for some opinions on our car's negative equity. In short we swapped out our PCP agreement for a different car, the old one unfortunately had negative equity due to the drop in its value we owe £3000. Currently we are financing this over 4 years. I'm wondering whether we try and pay it off sooner through…
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Withdraw money to pay into pension, to rescue tax?
Hi all, after some advice as I’m fighting myself on this one but I think I know the answer. I’m 31, currently have est 32k in S&S isa and 35k in a SIPP. Plus 10-12k float / cash flow at hand. I’m self employed and this year my earning have increased by about 15k to previous years which is great, however it will also have a…
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Experiences of Moving from BT to EE
I am with BT broadband and received an email offering me a faster speed for a slightly cheaper price than my current deal. I phoned up and they told me that they had an EE deal that was even cheaper. This was on Friday and the new router arrived over the weekend. I haven’t yet unboxed it.i have since looked online and have…
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How long until an account (NS&I in this question) gets marked as dormant?
Looking at having an end of year spring clean & basically getting rid of any accounts I don't use. Streamlining the spreadsheet & management. Since Halifax chopped their rewards I have no use for the NS&I account. Since I help manage numerous family members accounts also that's 5 accounts in total. I was just about to…
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Old Style Daily Monday 22 December 2025
Morning all.
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Compers Challenge 2026
Hope everyone is okay with me posting this, @lucinad usually is in charge of the challenge but they have been offline for some time now (really hope they are okay, and are just taking a break!). ALL credit for this fun challenge goes to Lucinad 2026 league January 🥇1st. 🥇 🥈2nd. 🥈 🥉3rd. 🥉 Booby prize (lowest value prize)💩💩…
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Lease provision for admin costs of recovering service charge arrears?
Hi all Hopefully a quick question - by your reading of it, does this lease contain provision allowing the freeholder to recover admin etc costs associated with service charge arrears? Any thoughts gratefully received. Thanks
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Boots - no points added if you redeem a recycling coupon?
It isn't mentioned in the T&Cs but looks like boots doesn't give you points if you redeem a recycling coupon. Checked online and at least a couple of my products qualify for the usual 3 points per £1. All 3 earns below are separate transactions on different days. Spent at least £10 on the ones where i earned 500. I don't…
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Smart extension sockets.... That have decent cord length?
We have numerous Tapo devices in the house including the singular smart plugs & also the 4-gang socket extension which has a cord length of about 1.5mtr. I just need something a bit longer really. 2mtr minimum, maybe 4mtr as a play safe in future. Doesn't have to be Tapo but then there lays the problem.... So far Tapo has…
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One Protect charges, unable to cancel policy until they set up there end, big charge
Just took car insurance which i need for tomorrow, once you have paid an email confirmation tells you that you are not insured until you upload docs, however it will take them 24 hours to set up, therefore have no insurance cover the next day!! Unable to contact even by the bot, enormous cancellation charge of £50, unfair,…