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Karcher online returns
I bought a Karcher EDM 2 mop on line after seeing their TV campaign. I tried to use it but its useless and nothing like I expected. I want to return it direct to Karcher in Oxford where it was shipped from but they absolutely refuse to accept it as a return because Ive opened it and used it. I understand that under…
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Debt recovery
Hi purchased motorcycle in May, I had received an over payment but unaware of it. I received debt recovery emails/phone call but no contact from Superbike factory. I had blocked them because I was getting so many emails selling me bikes. I would have thought I should have received a formal posted letter, any advise would…
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Tax Code changed - expected to owe tax
As the title says my tax code has been changed part way through the tax year (25/6) and it says I am expected to owe a certain amount of tax as a result which will be collected after 6 April 2026 by adjusting the tax code for 26/7 (adjusting my tax free allowance for that year). I suspect they won't be able to do that as…
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Experiences of JBSP mortgage non-proprietor
Hello, Looking to get a JBSP mortgage and would be interested to hear if anyone has done this as the non-proprietor and had any difficulties in obtaining future credit, for example, a new car finance agreement? Appreciate that it will all be dependent on circumstances but just interested to hear others experiences. Many…
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Missed Nationwide payout off tax return
24/25 SA all done and paid including tax on interest. Only just now noticed (remembered) that Nationwide £200 payout to members is classed as interest, so in my case taxable. Would you hang tight and wait or take action?
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Melton Building Society - Migrating Computer Systems
Hi everyone Just adding this info for anyone reading the thread now the new system has launched: Pointing out info that may help: 1. Ensure you drop the first 0 from your mobile number 2. For your account number, omit the 3 letters at the beginning and the end of your account number and add a 0 in front. For instance, for…
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And now we go again...
...new diary title taken from the line I had already added in to my signature! Regulars will already recognise me - I've been here a while, although aside from one fairly short stint always on the DFW boards. A quick summary of our MSE history for those who have not stumbled across me before though - started out with a…
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New Install - Heat Pump vs Combi
Which should I go for if I am going to be living in the property for 15+ years? We got an old boiler in our house replaced about 7 years ago from a tank to a combi. It resolved a few problems and we probably broke even on the cost savings. Now moving to a new house. But it's a question of whether heat pump setups are…
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Reading as a cheap hobby
Reading needn't cost anything if you live within walking distance of a library or get a free bus pass. Libraries often put on free activities for children, too. If you're lucky, your local library will be warm and have some cosy armchairs. Some libraries will allow laptops so that students can work on projects and…
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Multiple cars on pcp
Hi we have bought 6 cars over the period 2007- 2021. does that mean each pcp agreement is treated separately by the motor commission enquiries. Thanks for responses :)
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Smart Parking unfairly taking me to court via DCBL. Please help!
Hi everyone, Just needed some advice as I have just received a claim from Smart Parking/DCBL over an issue which was no fault of my own. I followed Smart Parkings appeals process and sent an appeal to them on 11/10/2021 via the website (please see attached image for evidence) I am yet to receive any response from them or…
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MCOL DCBL Defence feedback / advice
Hi MSE gang, Received a money claim from the Northampton address from DCBL and just want to double check paragraph 2 & 3 are okay. The POC is "vehicle remained on private property in breach of the prominent displayed T&Cs". At the time none of the payment machines were working and this happened back in Q1 2024 so was a…
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0% PCP
I took out a 0% Interest PCP in March 2023 with Mercedes Finance and am wondering if I could claim undisclosed commission fees. I am pretty sure the price of the car was loaded to compensate the interest free plan.
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Received a taxed vehicle notifcation to my address - do not recognised the name or car
Hello Received a letter to a name I dont recognised to my address. The font, enevelope and colour of the paper was unmistakably a DVLA letter. So I opened it, letter was "private and confidential" marked on the inside, not the outside. And in it was a registration for road tax. Have I broken any laws by opening the letter?…
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Update: Irresponsible Lending Complaint Against Amex – Refund of interests and charges
I raised a complaint against Amex for irresponsible lending, and the investigator has now issued their draft decision. They concluded it wouldn’t be fair for Amex to refund all interest and charges dating back to September 2017. Instead, they’ve recommended that Amex: • Refund all interest and charges from April 2019…
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Living Large, on a Small Income, by the Sea.
I am living by the sea in a beautiful house. (I can’t believe that sentence is about me) I have spent two years living in other people’s homes. I ended up on a sofa for several months. The joy of my own home, my own key, my own bed…it is indescribable. I had to go to the top of my budget to buy the house, but it is exactly…
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Paying for parcel protection
I just bought clothing worth £18 online from boo-hoo. At the checkout they automatically added parcel protection insurance for approximately £1.50. I didn’t notice this had been added until after I paid. I’ve complained to them by email but haven’t received a reply. Is it legal to automatically add this cover, requiring…
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Selling Octopus VCT Shares
I've been trying to sell my >5yr old VCT shares so I can reinvest in a non-VCT ISA. Octopus is entitled to only offer a buy-back window when they see fit, but there hasn't been one for over 12-months. I'm therefore going to the open market and looking for a recommendation on how best to sell these. I realise there'll be a…
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Heat geek design consultation worth paying £250 for?
I read a few threads suggesting getting a quote from Heat geek. Received a quote of £3350 for installation of Vaillant aroTHERM plus 10kW including upgrading 2 radiators. Is it worth paying £250 for the design consultation? I received a quote from Octopus couple of months back and I still have time to decide. The reviews…
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Here's to the Fools Who Dream
I will be 60 on March 2nd 2026 and I am an old fool who is dreaming that the best is yet to come! I loved the film La La Land, always felt this song was about me ....... The Fools Who Dream (Abridged Version) "She captured a feeling A sky with no ceiling, the sunset inside a frame .... A bit of madness is key To give us…