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1p mobile debiting my credit card without authorisation
Hi, Many years ago I signed up to 1pmobile pay as you go via money saving expert. I needed a cheap pay as you go for a second phone and it fitted the bill nicely. I registered my credit card with them but did not turn on auto top up. I used it for about 3 and a half years just fine, occasionally topping up a tenner as…
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Searching for a new car
We have slowly started looking for a new 2–3-year-old car to replace our problematic 2012 Nissan Note automatic (which was gifted from a relative and for which I am the registered keeper). We’ve done an initial spreadsheet looking at cars within a £15–20k budget that have an automatic gearbox, are comfortable, have a…
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Die with Zero by Bill Perkins
Having read this book, I'm a big fan of this approach i.e. die with zero! Here is how we've implemented it. It's not for everyone and takes a leap of faith but can be done. Some of our friends think we are crazy. Time will tell. https://www.diewithzerobook.com/welcome This may have covered before but basically it's saying…
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Remortgaging but wife no longer in contact
Hi all, I'm sending this on behalf of a friend who lives in Scotland. Sadly his wife left him in July. His mortgage was up for renewal in July and he thinks he is unable to remortgage because the property is in both their names. He has tried to contact her for the past 6 months but she has broken contact. I wondered if…
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Cover wise holiday insurance
Hi Everyone I would just like to make people aware of taking travel insurance with this company ,when dealing with AXA.I was basically just diagnosed with stage 4 cancer and this company has made my life and my wife’s life a misery.We had booked an holiday to Turkey at a cost of approximately £2200 via TUI.We received aa…
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Slate roof quote
I relative of mine has had a quote to fix a leak on a roof which includes replacing some gutters etc. that in itself is quite expensive at £20,000 but that requires scaffolding up to a third floor on an old Victorian House. However now, they've quoted him an additional £65,000 to re-slate the back of the roof, is this far…
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Access card?
We have just applied for one as we need it to go to an event and they need to see it before we can access disabled areas. Does anyone else have one, what can it be used for? https://www.accesscard.online/
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PCN by Civil Enforcement Limited (CE-Service) - Failed to obtain permit
Ho ho hello! Received a great present in the post by the lovely Civil Enforcement Limited. Attached photos of the PCN Took my friend to the hospital dropping them off at the entrance and waited, it's not a car park with barriers just a one way system with parking along the route. Was there for 35-40 minutes total roughly.…
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Subject Access Request denied
Good evening guys, I'm after a little advice. Our 4yr old son slipped on a wet floor (freshly moped) in McDonalds and ended up with a bruised face. There were no wet floor signs in our vicinity. I sent a SAR to customer service, who forwarded it on to the store. The stores reply is below. In response to your Subject Access…
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Amex and payments
I was looking to take out an Amex Gold card and one of the offers is spend £6k in first 6m to get x-amount of Reward points. My question is, if I did a balance transfer of say £1k to pay off some debt from a NatWest credit card using the Amex, would this be classed as a payment and count towards that £6k target? Of course…
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Credit card debts
Good evening, Firstly thanks for taking the time to help. I am trying to improve my financial situation. Over the last 8 years we have accumulated a significant amount of debt. Total at the moment is around £30k which is majority on 0% interest credit cards. A smaller amount of 3k is to a family member. We have recently…
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Worried about stocks and shares ISA
I understand nobody can say what will happen but I'm a little worried about investing in stocks and shares. It seems with the announcement from the government reducing the amount of cash I can invest in a cash ISA, I'm sort of forced to use stocks and shares. But if the worst happens, I'll loose money, right? I have some…
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Car insurance
My car insurance runs out this month and as usual I have used a comparison tool 21days prior to my insurance expiring for a list of quotes. For the last 6 years I have been driving I have done quotes and then nearer the time picked the best one to start a new policy. However, this time when clicking on my quotes with a new…
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Are you likely to get anywhere contacting insurance about write off car?
Basically I can't find my passport. I've a bad feeling that I used it to pick up a parcel from a DPD collect spot, even though 99.99999999% the time I use my driving licence for those kinds of things. I have a hazy memory of it being when I was in the car we had that was written off (both cars we had at the time have now…
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Ready to Defend! Southgate Park MET McDonalds
Hi. Our MET debacle has now gone on and on since August 2024! I emailed them (on behalf of my wife - who is the registered keeper of the vehicle) to try and get them to see sense. Obviously, over the time I've had to research the fraudulent MET activities, I'm not surprised that they didn't listen to reason. However, I…
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It won't happen overnight. But if I do nothing it won't happen at all. (MFW diary 5761)
Hello, I've been registered on the forum a while and posted a bit, but have struggled to keep up with it. However, I've joined the MFW 25 challenge and maybe starting a diary will help keep me accountable so here goes: Situation My mortgage is currently £114, 762 and I pay £531.50 a month. I am a solo homeowner working 40…
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Re-training in TEFL
This year I did the 120 hour online TEFL course. I then taught on Preply. It was OK, but really no more than a side hussle. I now plan to do a CELTA and try and make teaching English as a foreign language my career. I have an MA in literature, so hopefully that will look good on any CV. I have a few questions, though, and…
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Trouble with Bitwarden?
Tried logging in on a website & the credentials I have stored in Bitwarden didn't work. Absolutely not true so I imagine the website has reset my account or something. Go to auto regen a password but the problem is it wont let me save it to my Bitwarden account. Close it down & re-open & just a no-go. I'm constantly…
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Getting a euro lock to fit with weird measurements
So our locks were perfectly fine when we had them fitted after moving in. Then last year or whenever it was, the handles needed replacing, the new handles have a thicker/deeper back plate which now means the external portion of the euro lock sits INSIDE the handle back plate. Not a safety issue I suppose but it looks crap…
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UKPC DCB LEGAL court claim 2025
Hi, my car was parked at my brother's hospital accommodation for just over a week. I then received multiple PCN's and debt recovery notices for a few months as I'm the registered keeper. I have now received a claim from the court from UK parking control ltd. for a ridiculous amount £1400. My brother has provided me with…
