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New road tax VED rates to kill big classics?
I read that new VED rates are going to affect some post 2001 classics like the Mondeo ST 3.0 and VW Golf R32 where the current £430 road tax is rising to £790 in April as they are in K and higher CO2 bands. This will surely kill any market for them as affordable classics.…
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Redeeming Tesco Clubcard Vouchers
I've just redeemed some Clubcard points for vouchers to use towards pub meals. I would normally print out the vouchers (old-fashioned, I know, but I am ancient). However that facility has apparently been withdrawn, and the only way to use your vouchers now is via the app on your phone. Tesco don't even send an email to…
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Still struggling with buyers remorse – 7 weeks on. Did I make the right decision?
As a family of 5 we decided to move as we only had one bathroom, one of the bedrooms was downstairs, we needed an office and a proper garage, we didn't like the street the previous property was on and it had no kerb appeal (you can see how the agent expertly put the front house pictures at the end) However I loved the…
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Praise for credit cards.
i was out with a friend and when he went to pay his MBNA credit card had been blocked, turns out someone had got into it and was trying to use it fraudulently. I also recently had a text about unusual activity on my M&S credit card, this also was unauthorised by me. So it seems CC companies are at last taking an active…
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Fixed Term Annuities
Am considering going down the Fixed Term Annuities route when i retire - likely 3, with terms of 5, 15 and 25 years. Does any one have any knowledge of how far in advance i can secure the annuities? Using Money Helper website calculator the rates/figures look quite favourable at the moment, so locking in a decent rate…
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Old Style Daily Monday 02 February 2026
Morning all. BRB
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Pension to pay IHT
Please advice. In the event that both me and my spouse are gone, am I right that my SIPP pension (as part of my residuary estate from 2027) can be released early from the pension provider in order to pay off the required IHT? How about cash, stocks and shares assets, can they also be released early in order to pay the…
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What happens if you've been billed less than what you've used?
Hi all. British Gas seems to have billed me less than what I'd used (for both gas and electric). The difference was about £30. Will that get carried forward to next month or will it be disregarded? Thanks.
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Kangen Water Machine
Hi, I’m looking for a kitchen mixer tap that works with a Kangen water machine. My current tap is too small and none of the adapters fit. I need one with a standard removable aerator (M22 or M24). Any Amazon UK recommendations? This has been stressing me out for a few days. I know i could go into B&Q I know alot of people…
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Moneybox investing
Hello Friend recommended moneybox as a good way to start investing. Any one used then on here before? Thank you
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Is this passport valid for travel?
So I just realised my child's passport expires on May 17 2026. We were planning to travel to France from the UK on Feb 16 returning Feb 17. Would this trip be allowed at the sea border in dover/calais ? If not allowed, would leaving Feb 15 and returning Feb 16 be allowed ?
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Weekly Flylady Thread 2nd February 2026
We often see new flyers (gents welcome!) around this time of year so please don't worry if you feel you cannot keep up. Similarly if your house has been neglected it won't be turned around in a day - but if you stay you will get into some good habits which do help! Happy flying. Thank you, Valli, for last week's thread.…
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Please delete
Please delete this post, created in error
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Day van for under £6k?. where do I start ..lol
Hi We have been looking for a used SWB van or maybe mpv to use as a day van. Ideally we want one with sliding doors. Probably only about 5k miles a year. We dont intend to sleep in it just use it for day trips with our 3 dogs with some seats at the front, some seats right at the back and the space in the middle for our…
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£175 Coop Bank switch offer from 28th Jan 2026
Not sure this has been posted yet. Get £100 for switching to us, plus £25 a month for up to three months. Available to new and existing current account customers. https://www.co-operativebank.co.uk/products/bank-accounts/switch-offer/ Full terms (including Section B) are here:…
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S226 Standard life policy
I have a Standard life pension that is a S226 Retirement Annuity policy I started it in 1985 , I am wondering if as it says the only option I may have with this policy might be to take an annuity and not drawdown. Obviously I could transfer out . I know I could just ring them but wanted to ask if any one knows here first.
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Water Storage tank using large amounts of water
We bought this house about 3 months ago. The house is only about 12 years old. 2 years ago the owners put in a new boiler, but it is not a combi and they continued to use the cylinder hot water tank originally installed by the builders for hot water. Just before Christmas we suddenly had no hot water, although the heating…
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Hotpoint washer dryer
My friend just moved in a new flat and she is not sure how to use the washer dryer. It takes over 2 hrs for a wash. She assumes it is a washer dryer but the clothes came out still damp. Thanks
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Reselling Clothing - under £1k allowance
A bit of a advice on reselling some new clothing. The are jackets which were bought from a end of the line clearance shop - I bought them with the intention of keeping a few for myself and them gifting the rest to my relative to sell on if he wants . There around about 30 jackets all the same and new - around about £700 in…
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Aviva Life Insurance Policy
Hi, I have been dealing with the estate (less than £100k in total with no property to sell) of an elderly family friend. I have successfully applied for probate, successfully claimed & closed 2 life insurance policies from Sun Life, and closed & received his money from his bank accounts. But having trouble claiming a small…
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Ryanair check in question
I know you now have to use the App and no paper boarding passes but I do have an odd question. 2 people are travelling together and one has a complete breakdown if he has to answer a call on a smart phone let alone use an App. He is useless and a complete technophobe. Can the other person have both boarding passes on their…
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Calculating energy bills
I have tried Google search to find an easy way to calculate my energy bills. However, the results that are returned are instructions on how to read Electricity and Gas meters. There is nothing on how to calculate what your actual bill is going to be or should be. Mathematics and anything to do with figures are my weakness,…
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Conservatory issues
We've got several issues with out 9 year old conservatory those issues being a leak from the soffit ajoining the house, damp coming thru near the conservatory exterior doors and one of the conservatory roof panes has shifted. We've had them out before regarding the leak and they squarely pointed the finger at our house…
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New cooker amp
Hi I brought a new cooker weeks ago for my new house first time I've brought a cooker in use to built in oven anyway I ordered one and it's getting delivered and connected on Saturday thing is I've only just found out that you can just buy any cooker you need one that matches the AMP for your circuit so I'm not sure if…
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Moonpig & Red Letter Days
Okay so I was gifted a £150 voucher for a one night stay with dinner for two for my birthday. I followed the link on the voucher to the Red Letter Days website and entered my voucher no. & PIN plus email and managed to get onto the RLD site, so far so good. So now I had a choice either continue with the above or chose a…
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Muddy Grass Verges
Will councils repair muddy grass verges? I guess there are many muddy grass verges around, I try and look after my local areas verges by adding gravel etc. I have seen others do this, even paving the verge. But what if the verges are muddy and look awfull because they are close to schools or shops? AI mentions - "Safety…
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APCOA Parking PCN - Guildford Station Long Stay
Hi all, I've been reading lots of posts on this forum for the past few months, for personal interest, and now becuase a family member has a PCN... Basically I'm starting to doubt my self wether the wording of the appeal below was actually correct... My understanding at the time was the land the car was parked on is railway…
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Overstayed Oxted Morrisons free carpark by 13 minutes please help I’m new here
hello I’ll try & keep it short 😴 Being honest here Didn’t actually use Morrisons I used the leisure next to it which is ok to do. I honestly completely forgot there was a time limit. Says limit is 2 hours i over stayed by 13mins in the second pic you can see me clearly in the driver seat 🙄 this is dated 23/01/2026 to be…
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Can someone recommend a 5G router
I'm having problems finding a network that works at home and at my place of work so I'm thinking of buying a separate sim card for at home so can someone recommend a 5g router. I'm thinking of buying the TP-Link Archer NX500 but is this worth £220.
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Defence and AoS deadline calculator
Defence and AoS deadlines calculator If anyone is interested, I have created a simple calculator that shows the deadlines for submitting a defence after receiving an N1SDT Claim Form from HMCTS (CNBC). You enter the issue date from the claim form and it calculates the defence deadline with and without an Acknowledgment of…
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finally can see some light
Hi everyone, Just thought Id post and see what people think. Last year I sold my house and bought a lovely bungalow and reduced my mortgage by around 100k. I previously fixed for 10 years at 2.79% which runs out in Sept. at the moment the mortgage has 11 yrs and 11 months to go and the repayments are £304 a month ( down…
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EES registration Tenerife
Relatives landed TFS earlier today - facial scan only at biometric registration procedure. Anybody else experience this recently ? Technical issues at Tenerife airport ?
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Nationwide Standing Order Query
I have a standing order of £250 every month from Nationwide to Skipton BS. I've just checked and last month's payment did not reach Skipton. However, there are both payments to and from Skipton for £250. I've used the help facility and been told that the transaction failed due to insufficient funds. This doesn't make sense…
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Super Duolingo codes
I noticed today the Lidl Plus app have a code for free month of Super Duolingo. I planned to activate it for my eldest daughter as she’s actively learning 2 languages, but accidentally applied it to my other daughter’s account which she’s less interested in. My eldest is a bit gutted, but I can’t find any other codes for…
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Does Sky Mobile always use these tricks when you try to make a formal complaint?
I got two emails from Sky a day apart, first one said they were hiking price from £8 to £11, I had been staying with them while they resolved another matter, but they never did. Then I got another email a day later saying I was out of contract and I could leave, The price increase was going to take effect in less than 30…
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Smart Meter not working over a year.
As I understand it, we don't have to pay for unbilled energy over a year old. My smart meter has not been submitting Gas readings since it was installed and the bills are estimated (electric is OK). When it is eventually sorted out and properly billed, so of the energy used might be from over a year ago. Does that mean…
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What happens if Anglian Water cant install water meter?
I'm thinking of asking for a water meter with Anglian Water as it's just myself in the home but I've got a feeling they won't be able to install one as I think we're all on shared a supply on our street with each pair of semis sharing the same mains. Also there's not sufficient access where the stopcock is to place an…
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Opinion on roof work
I posted this on another forum but having got some useful responses in here for a couple of queries I thought it was worth asking here as well. We've just had some work done on the roof and I have some concerns about the finish. I'd like to know if a), the concerns are valid and b) what I should be saying to the builder in…
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Pension recycling if buying car?
Hi, I have a question on taking part of my tax free cash allowance to buy a car. The background. I am still working and sacrificing a significant percentage of my monthly pay to my pension. In 2022/23 I started to overpay into my pension from savings after remortgaging a BTL property, most of which went to 'carry forward'…
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TransUnion Credit File Not Recognised
After quite a fight, I managed to get sight of my TransUnion credit file by going to them direct. MSE Credit Club keeps saying the details don't match, so it can't be shown. I tried to delete all my MSE accounts and renew all the data but it hasn't helped. It's possible that some of this came about because the Christian…