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Heat only boiler timings
During the week I set the water to start heating up at 5.30am, and daughter is in the shower at 6am. It usually only takes 20 mins to get to temperature in the warmer months. Now that the heating will start to kick in too before we get up, this will take priority over heating I'm guessing or do they work together? Only got…
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NIP not received genuinely - help
My wife drove our car in December 2024 and was caught overspeeding. I received a NIP in January from Northamptonshire police and returned it naming my wife as the driver. They deducted points from her and a fine. Somewhere in July 2025, I got a summon to court for not responding to a NIP from West Mindlands Police. You…
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TrainPal - ticket not issued for under-4 (Eurostar)
Booked some tickets for Eurostar via TrainPal so we could take advantage of the small discount being offered for new app users. Step 1 asks for origin and destination and dates as usual, but also asks for passengers names and DOBs - all fine and entered for 2 adults and 2 children aged 9 and 3. Step 2 - Select trains for…
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When to pay Tax with a 2 yr fixed saving account ?
I had a fixed saving account that started 2 years ago and matured in Oct 2025. HMRC is asking me to pay tax on it right now (tax year 24-25). Surely this is incorrect since the interests have only just matured ? It is impossible to report or even know what HMRC is using for savings interest without spending hours on the…
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Looked after children through theLA
Hi we have been looking after our 2 grandchildren for the LA as they were taken from their mother in August 25. We have gone through all the process of assessments & we're told by the court they could stay with us. What financial support are we entitled to please
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Parking eye appeal 3 days left
Hi, I have not posted about this parking charge before. I sent an appeal but they said they need the name of the keeper and if I don't tell them then I am liable. I have searched other threads and seen a template that says the signs are illegible and then it mentions about the land not owning to them. In my appeal I used…
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£200 to install this?
Been quoted £200 to install e ESI ESRTP4RF. Labour quoted £120. When I told him I can provide the thermostat as I can buy it for approx £50 online. He still insisted its supply and install for £200. I do not really like him but do not seem to have any other option as he seems to be the cheapest. He also serviced my valiant…
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Should I get an IVA?
Hi everyone. I hope you can help. I've gotten myself in a big pickle. I've been dealing with a gambling addiction which thankfully I'm now on the other side of but i've racked up £22k worth of debt. I have a full time job but not paid that well and repaying £461 each month with nearly 4 years left. It leaves me with very…
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Letters from Enforcement Officers and what to do about them
Enforcement Offices _____________________ I'm seeking help and advice IM sure this has happened to many people now its happened to me... A big white letter appears through my door. Its from the Magistrates court. In bold are numbers, numbers no- one ever wants to see- £1014.00..."as you have failed to make payment..." I…
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vodafone - talktalk switch cancelling
Hi, re-wording my earlier tumbleweed post in the hope i'm not the only one this has happened to as I appear to be stuck with TalkTalk indefinitely now which cannot be right!? 9/9/25: I started a switch to Vodafone Broadband after TalkTalk fixed period ended 12/9/25: after lots of calls from TalkTalk to stay, agreed to…
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Moorcroft/Tesco Bank Loan
Hello all, I'm managing my own DMP and my outstanding loan of c.£21k with Tesco Bank has been passed onto Moorcroft. Moorcroft are only the collection agent on behalf of Tesco. The loan is fairly recent (within the last 3 years) so I haven't yet requested a CCA on the basis that it can probably be provided. I currently pay…
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BW Legal letter after no response to appeal
Hello, I've spent the past few days reading through threads on the forum as well as the stickies, but can't anything similar to my question (other than older threads, which I assume are out-of-date with the advice now) so hopefully you knowledgeable people are able to help me... I received a NTK by post on 31/07/25 (dated…
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Civil service- Premium Alpha pension advice for my Dad!
Hi all, Long story short I'm helping my dad manage his pension as he's not clued up on pensions and is close to the retirement age. I've done lots of reading on his pension (Civil service- alpha & premium) but still have a number of questions. Looking for your expert advice as know there's lot of knowledgeable folk here.…
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Kroo
I'm sure I read somewhere on here that with Kroo, Standing orders and direct debits go out 7 days a week, but can't now find it. Does anybody know if that is the case? Thanks
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Advice for Defence for overstay at private car park - Horizon Parking & Gladstones
Hi Forumites Newbie here. I'm reaching out for advice on how to write the defence. I've spent the last few days reading through the instructions and other people's journeys. I've followed the Newbies thread and registered on MCOL and submitted an AoS yesterday (13/10). The date on the Claim form was 06/10/2025 - I have…
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Storage Heaters - Unidare Softline & Asbestos
Hi, We have bought a house with 5 Unidare Softline storage heaters. I cannot find any identification numbers on the outside other than the format shown in the photo. The number are:Ser S 705437 518Ser S 705466 518Ser S 705440 518Ser S 706065 524Ser S 705144 518 I have tried looking for these numbers online lists of serial…
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New radiators not heating up
I recently had two new radiators installed (one a replacement, one completely new), with some of the 15mm pipework replaced with 22mm back to the landing (where the 15mm will be replaced in a few weeks when the landing floor can be taken up). At the same time a new dual fuel towel rail was put in to replace an electric…
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hostile takeover Scam?????
I wonder if anybody has come across this situation we have a small amount of shares (less than 100) in Santander Bank and we have been contacted by someone from Langley and Dawson Group regarding their clients involved in a hostile takeover. The know all about me the exact number of shares. Further to that I have been…
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POA - Mental Capacity Assessment
My sibling and I are set up with Lasting Power of Attorney for our parents. This was done while they still had sufficient mental capacity and the POAs were set up with the proviso "while the donor has mental capacity, you can only use the LPA if the donor allows you to". We've since had to move them both into a dementia…
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Outfox refusing to give full refund
When I joined Outfox a year ago, they charged me £145 per month, then put me up to £217. I have solar panels. I have recently changed my tariff with them and am now paying £150 per month. I am £250 in credit. When I asked for refund, I was told I could have £100 back as they like to have a month direct debit in advance.…
