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Best farm shops in West Yorkshire or within reach?
Looking for shops with good stock that can beat supermarkets
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Amazon Prime No Longer Included Video?
Just rejoined Amazon Prime for £8.99 per month and it seems I can no longer watch Amazon Prime Video without paying another £7.99 per month to watch that service!?? Is it true the two services have been separated or is something wrong with my setup?
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Band C NHS dentist charge for extractions & temporary plate
A friend with two loose front teeth recently had to go to
her NHS dentist in a hurry, when she realised they were coming away. The dentist then extracted them and fitted some
kind of temporary or at least of-the-shelf plate, to fill the gap now
left. They charged her the highest Band
3, £326.70, which they demanded full…
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New royal mail collective plan
Hi I understand that this is a new plan where all the money is pooled and invested by a manager, rather than having your own pot which you can change funds. Any one know whether it's a good scheme, I know he company pays in 13% but does this outweigh not having control of your own pot?
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Inheriting 2x properties can I avoid stamp duty?
Hi everyone, I'm inheriting my father's estate which includes two houses and a bit of cash. I want to make ssureI understand stamp duty correctly and if possible to avoid the additional rate for buying a 2nd home. I am both the sole executor and the sole beneficiary of my dads estate. I have completed and paid the IHT, and…
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Horizon | Gladstones | Court
Hi, Couple of questions if I may. I'm preparing a defence for a claim by Horizon/Gladstones for a parking overstay. On the day in question, my wife parked in a supermarket car park, shopped at the supermarket (we have evidence) and came to visit me in a nearby hospital. I was in intensive care at the time (fully…
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15 year old Student Loan in Scotland...has it disappeared...?
Hello there everyone, have come across these forums before and they seem to be very knowledgeable. Does anyone have advice, or could signpost the way to get some in relation to this? 2005-2009 I was at a Scottish university, as someone from Scotland/UK national, and through SAAS was given the Student Loan Company loans (I…
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Apple IPhone Account locked out.
I have a relative who has been locked out of her Apple iPhone account, to get it reinstated she has to provide a receipt of purchase which she has lost I’m afraid, can anyone give us some advice as Apple Support have not been at all helpful?!?!
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Rolling contract required
I am with Sky TV and broadband but my broadband is an 18 month deal that expires next month and goes from £21 to £54. My TV deal is 24 months and expires in May 27. As such I cannot switch to Virgin until May 27. So I need a non contract deal. The only company I've found is giff gaff, but I can't set up a transfer date .…
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What does 'unsecured affordability indicator' mean?
I've just received SAR info from Admiral in relation to a complaint. Under the Debt Summary and OI Score section it has 'unsecured affordability indicator' "no". Does that mean that they should or shouldn't have agreed the loan. If anyone could help me understand I'd be very grateful!
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IVA, age - mortgage pointless??
Looking for some advice/guidance having searched previous posts, I'm a complete novice re: house buying. I entered an IVA in 2019, completed mid 2024. I'm 45 and don't yet have a full deposit saved but aiming for £15k. Earn 34k and single. I also went bankrupt in 2003 and was discharged after 9 months. Neither show on my…
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In house buying limbo- advice?
Hi there- I know this is probably a common issue but it’s driving me a bit mad, especially with Christmas looming over us. situation in a nutshell: -we’re FTB living in rented accommodation- rented house has been sold now STC and I would expect a section 21 to be served imminently -Offer accepted on our purchase late May -…
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HMRC tax credit letter??
Hi folks I’ve had a letter come through asking about a claim from 2012-2013. I believe everything is correct but I can’t help but feel they’re trying to catch me out with something. Just the date of the claim gets me suspicious but I believe all the info is correct and it states in the letter that they won’t ask for any…
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Estate management company - concerns of numerous residents
Hi all, I live on a fairly new build estate, as part of our contracts, there is a clause in which we are obliged to pay an annual fee for estate management. This is a specific company for the estate, but is outsourced to a company called Remus. Each year numerous residents are concerned when the statements are sent out,…
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Sending electrician invoice to landlord --
I noticed two weeks back, on an early Sunday morning (of all times), I woke up to find my electricity had tripped and not the individual circuit switch, I mean one of the main dark red switches on my Memera 2000 unit. I got in touch with my landlord and he came round within the hour really and told me to do something I…
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Further charge after receiving a FINAL bill including a refund when switching supplier from OVO
I recently switched from OVO to Outfox. I filled in all of the details as requested by both companies and everything appeared to go smoothly. I am on a smart meter but submitted readings to both parties I received my FINAL bill from OVO on 28 October and there was a refund of £418.27. Today I received a further bill from…
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Shark - Black Friday
I want to buy a - hopefully discounted - Shark vacuum. It’s only available on the Shark website. How have Shark Black Friday deals been like in the past? Is it site wide, or just particular models?
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Have you lived in the same house twice?
Myself and my late Husband purchased our first house late 1982. I was just 20 and he was couple of years older. It was a little terraced in need of full renovation in a village close to where I now live (I am widowed now and have stayed 30 odd years here happily). We paid just £8.750 for the house and sold it 6 years later…
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Worth the upgrade
A bit of advice on a PC upgrade for my 10 year old nephews PC ... He currently has a Lenova Legion desktop I5 8th Gen GTX1050 TI 4GB8GB memory 1TB 256 SSDAn motherboard which is unable to run windows 11 It takes an age to load and opens programmes even after a few clean installs .. it is frustrating to use now It has a…
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Refund to old account
Hi, I appreciate there may be little I can do here but open to suggestions. i purchased a label printer from an American company (they have a UK presence) and paid £159 for it (bought lots of other peripheral bits with it too). It didn’t work to start with so I contacted them and managed to get something printed, then I…
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ParkingEye PCN for overstaying retail car park
Hi there, I hope you are all well! My girlfriend recently received a PCN from ParkingEye as she parked her car in a retail car park from 9pm - 11pm to go help her friend at home as she lived nearby (GF is a nurse). Apparently the max stay in the car park is 1h30, and she has received a PCN for overstaying in this retail…
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Claiming a deferred state pension - 7 months on from initial claim
Evening, My father deferred his state pension (pre 2016 rules) but decided to claim the deferred amount this year. He started the process in April but has had little success. He's been on hold at different points for hours with promises of call backs, action etc but here we are in November and he's still waiting. Obviously…
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Estate Management on new-build estates
I’m hoping to hear from homeowners who live on estates with estate management fees, as I’m currently considering buying a property with this type of arrangement. I haven’t exchanged contracts yet, and having not moved house in over a decade, I wasn’t aware of how these newer systems work. After reviewing the contract and…
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Self assessment rental mortgage payments?
I have a rental property with an interest only mortgage of £500 per month. I understand that on the self assessment it is a tax credit of 20% of the yearly total given. Is it box 44 that I enter this in & do I put in the whole amount of £6000 or the 20% amount of £1200?
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Civil Enforcement Ltd - Mental Health Hospital PCN
Hi, I've read through the newbies thread, but want to check what my first action should be, as I'm not entirely sure which stage I'm at. I received a letter from Civil Enforcement Limited on Friday (14th Nov 2025) headed 'Parking Charge Notice (PCN) Reminder Before Further Action'. This is the first letter I've received…
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Account switch from Kroo - not part of the Current Account Switch Service (CASS)
Hi All, Just wondering if anyone has successfully switched an account from Kroo (or another bank that isn't part of CASS) and claimed the switching incentive? I went thgrough the whole process on the Lloyds app but, when it asked "what is the name of your bank" and Kroo wasn't on the list, it said it would not switch…
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Emma Mattress - fitted sheet frustration
Has anyone else found it impossible to find a fitted sheet for an Emma hybrid KS mattress (depth 23cm) that actually fits? While I like the mattress itself, I’m finding it extremely frustrated that I cannot find a fitted sheet that actually fits properly. I’ve tried numerous brands and sizes, and none of them fit snugly.…
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Can I study part time and work part time on ESA contributory
Hi, I have been receiving ESA contributory for several years. I am in the support group because I was diagnosed with incurable cancer and am on indefinite chemotherapy. I also get PIP but not for anything like understanding complex info. My oncologist and cancer nurse have also sent what used to be called a DS1500 off and…
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Help with self managed dmp 80k CC and loans
Hello ive been browsing topics on this site for a while and reading up on all the advice . My story is a follows , two years ago I lost my eldest daughter to cancer at 6 years old . Due these circumstances having to take time of work and after my wife was unable to return to work as she worked in a primary school and found…
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Rent Guarantor
Hi I'm hoping someone might be able to help or point me in the right direction of who to speak to. I've been recently contacted by a landlord for a property one of family members rented (and has vacated) for rent arrears and damages, which I was the guarantor for. The landlord has provided me with a breakdown of costs,…
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Benefits entitlement as an executor
Hi everyone. I am currently receiving Universal Credit. However I and my father are both executors of my late Nan's estate. The funds from her bank account and rebates from services/utilities/tax etc are now all in an executor's account with Natwest (approx £10k) in both of our names, which we now have access to after…
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Mis-sold car finance
I've read Martin's blog on here about mis-sold car finance but I am totally confused as to when to make a complaint? Throughout his writing he says put in a claim, then further through it he says wait until early next year. This trend happens on several occasions throughout the blog. I've emailed the team but they can't…
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House valuation for IHT400
It looks like my mother's estate may just tip over £650k (my father died earlier this year). If it does, I will need to fill out a IHT400. Tomorrow I have three estate agents coming round to value her house, but if I need to fill out IHT400 is this considered sufficient? I believe I'll be entitled to RNRB, and the IHT…
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Switching out and back to Smarty for deal?
I've seen people talking about switching out of Lebara and back to keep getting the cheap 'new customer' deal, but has anyone done this with Smarty? I recently started one of their 'new customer' affiliate deals but thinking of changing to another one I've just found (which is actually a few quid more, so a win for them!).…
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New ticket bought due to inverted first and last name
I booked a flight and hotel combination from the UK to the US through Booking.com, which was executed by Lastminute.com I didn't realise at the time of booking that the first and last name were auto populated and wrong - my first name and last name were inverted. I only noticed when I tried to check in. Lastminute told me…
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VPN question
I have a BT Smart Hub router and NordVPN reckon this won’t work with their VPN (on their website they list all makes of incompatible routers , but the BT one is NOT listed so I emailed them). They did ask the ‘make’ but the BT router does not show the maker. Are NordVPN correct? Anyone had similar issue? Thanks
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Deed of variation
I recently received an inheritance from my mother which I would like to pass directly on to my two adult daughters. I know I can do this through a solicitor at a price, but wondered if it is safe to do it with a free downloaded form. I am a bit wary of putting all my details out there. It is a very simple estate with no…
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DCB Legal / Euro Car Parks / Court Action
A big hello to everyone! :-) I'm new to all of this and have read a lot of information in the forums, but could do with a quick bit of help or link to the current information relating to this. I am supporting someone with a mental health condition fight a parking charge from 19/11/2024 that has now gone to court via DCB…
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Food Cupboard Items Reduced.
My wife was in our local M&S Foodhall yesterday and noticed a few of their regular food cupboard items heavily reduced, could not work out why as the best before dates were up to 2027 on some items, can only think they are wanting to free up shelf space for Christmas stock. Anyway it was nice to get some bargains on food…
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UC joint tenancy not with partner HELP
Hi, this might be long so bare with me as i try to explain the situation. i have 3 children 2 of which is disabled, 1 severely disabled and requires around the clock care. The house we currently live in is absolutely not suitable and now a hazard to my childs health. I have been trying to move for a while but no where will…