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Outfox energy
I’m always on the lookout to make a saving. Outfox have a 12 month fixed tariff that appears very reasonable. I am currently with Octopus. Does anyone have any experience with Outfox, or can anyone offer an opinion? I am considering the switch.
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Premium Bonds
My Husband died in November . Not an IHT family but we had made mirror wills leaving everything to each other with each other being the executor of each others wills and joint tenants in the property. The only reason I would need probate is to sort out the premium bonds. I wrote to the premium bonds people informing them…
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How on earth can you get a refund from Debenhams?
I need to return 2 x unworn clothing items to Debenhams. They came from one of their suppliers and no returns paperwork was included in the delivery as it should have been. I mailed Debenhams customer services and they replied that, since my order was for cosmetics - IT WAS NOT! - it cannot be refunded. They have not…
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How accurate does my address history need to be?
Are there likely to be issues with verification if I can't pinpoint the exact date I moved into/out of a property?
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HPI - Outstanding Finance Check
Any ideas of a cheap way to do this? Most companies seem to charge £10+ for a check.
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ID mobile £2 has impacted my credit report
Hi, looking for some help. I was with ID mobile and moved provider when my contract came to an end. I received a text from them to say my estimated bill would be £0. I then cancelled my direct debit as when my wife moved from ID, they kept charging her for a contract she didn't have and I didn't want the same issue. This…
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Mobile and mse
I was wondering why mse only has Lebara in it's recommendations? Asda mobile if you have right link is £4.50 for unlimited and 5gb data. I'm newbie so can't post link. Thanks for patience with newbie.
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Problem signing up to Currensea
I have been attempting to signup via the currensea app on a samsung android tablet. When I get to bank linking, I login to my bank, select my account and then get sent back to the currensea app. Continue in the app sends me back to santander. I have gone backwards and forwards between the app and logging into santander…
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Taking HL draw down
I have started the process, but it didn't complete.Moving from an Hargreaves Lansdown SIPP to drawdown. I assume that you can hold shares in a drawdown account, just like a SIPP. Can shares be moved from a SIPP directly into a drawdown account, without selling the shares?Is a drawdown account very similar to a SIPP, where…
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Is a 2 year mortgage the only way to avoid the high ERC of a 5 year in case you need to move
5 year fixes have high ERCs I’ve noticed. And I see porting isn’t always guaranteed and even if it allowed may still incur an ERC. And consent to let is similar. Not guaranteed and even if allowed, can be subject to fees. So is a 2 year the only way to guarantee the flexibility in case you need it?
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Horizon PCN
Hi I received a parking notice from Horizon and after reading through the various posts and threads have put together an appeal, would someone be able to check over this to make sure my understanding is correct. --------- Dear Sir or Madam, Re: Parking Charge Notice number [insert Parking Charge Notice number] I dispute…
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Spain travel insurance - now mandatory?
Off to Ibiza soon and usually don’t bother with travel insurance (yes I know it’s good - please can this thread focus on the rule change itself and not ‘why don’t you have it’!) Just read about a new rule change and potential border checks for it. Anyone else heard about this? Searched MSE news but surprised it’s not being…
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Fly tipped waste including asbestos on unadopted passageway
Hello I recently discovered some fly tipped waste which includes a sheet of asbestos in the passageway running behind a row of houses. I reported it to the borough council, who have said that as it has been there for a while, and is on unadopted land, they bear no responsibility for removing it; it is the responsibility of…
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Retailer not issuing replacement/refund
Hi all I'm hoping someone can advise, as this issue has been dragging on for two months with no sign of any resolution. I purchased a £250 pair of boots from a business on eBay on 17.04.25, which were delivered on 23.04.25. On 15.06.25, after having only been worn 5-6 times, for short walks on pavements, the upper came…
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BW Legal UKCPM claim defence advice needed
Hi I have just completed AOS on a claim made by UK car park management LTD. One of my defences was that there was no signage where I was photographed so there can't be a "contract". I did have a photo of the area in question around the time I was photographed and there was no sign. I have mislaid this image. They have now…
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Noisy water pipes
The stop male chicken for my home is conveniently behind the sofa in the lounge. The water pipe goes up the wall to the bathroom and boiler. Every time water is being used anywhere in the house, the noise is horrible. What can we do to silence or at least lessen the noise? My husband has spent some time Googling but not…
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John Lewis credit card - rewards reducing
Not sure if other people are aware, points going to the basement floor. Was 1 point for £4 eleswhere. Now 1 point for £10 elsewhere. https://www.theguardian.com/business/2025/jun/07/john-lewis-points-credit-card-purchases
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Car deposit refund
Hi, While on holiday I placed a deposit (on the 7th of August) for a car which I was interested in. Two days later once I'd returned home and had a look at a neighbours car which was the same I decided it wasn't suitable for my needs. I got in touch with the dealer and notified them and they are refusing to refund my £250.…
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Company take over
Been told that the company I have worked for 20 years is being sold assets also being purchased and business being taken over. Sale hasn't gone through yet but is highly likely. I have a few questions. What questions should I ask as an employee? Will my employers pension contributions change? Holiday entitlement etc. If…
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APCOA parking appeal - hospital pick up
Hi, first time posting here, hopefully someone will be able to advise. My husband has been in hospital for a week following an accident. He's currently unable to walk. I've been visiting him daily and have always parked in one of the hospital multistory car parks. Today I had a call saying he was ready for discharge and I…
