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Section 75 dispute
Evening My partner bought a used car a few momths ago. Various issues arose and an independent garage declared engine failure and effectively needed engine rebuild. Contacted garage who were unhelpful, so opened section 75 with m&s cc (mastercard), who checked the garage report and credited the amount back. Since then,…
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Paying off help to buy equity loan
My partner has a house with a 20% HtB equity loan. Her interest free period ends October this year and her fixed mortgage rate ends June this year. I’ve got a house with a fixed mortgage rate that ends next year. We’re looking to sell our properties and buy our first house together. Re. chains, we want to sell my partner’s…
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Barclaycard / Barclays IT issues
Hey all, Just had a declined regular payment notification from a subscription service I have, saying my Card was declined and I need to update my card details. All details are fine and current. I did some digging and find out that there was a major IT issue over the weekend apparently, impacting both Barclay Card and…
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Any deals on crossing the channel?
Looking to go with our small caravan in June/July. I have blue light and forces veteran cards but they don't seem to have anything. I used to be a Brittany Ferries club member which gave discounts but now want to cross from Dover.
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What brokers use the below?
Do you have any brokers who approach the below: Hinckley & Rugby BS Saffron BS Leek United BS Bath BS Market Harborough BS Tipton & Coseley BS Mansfield BS Buckinghamshire BS Melton Mowbray BS and have you used any of them?
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Santander Edgeup costing us money
My wife and I have a joint account. We had emails today saying You've paid £30 in monthly account fees and earned £14.67 cashback and interest on your Santander Edge Up current account in the last 6 months. This means you’re paying a monthly fee but aren’t getting all of the benefits of the account. Don’t forget to be…
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Why the long written notice period to cancel estate agent contract?
I've noticed that many estate agency contracts require a very long written notice period - often 28 days - to be able to cancel their sole agency contract. So it may be an 8 week contract but if you decide after 8 weeks you want to go to another agency they're effectively making it into a 12 week contract with a whole…
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Solar inverter/battery problem
Hello everyone, I'm hoping that someone on here will be able to point me in the right direction. I have a solis inverter with 3 Dyness batteries. About a year ago the battery management system seemed to have failed and the batteries completely drained and stopped storing energy. The inverter started showing the error sign:…
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Premium Bond Winner ?
im interested in winning premium bond holders , or not as the case may be , please post your winnings and holding as well as length of time held , i have a theory that newer bonds win more prizes , id prefer not to make this a discussion area of that arguement but i would be interested in your winnings just a bit of…
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Defence/AoS and PoFA deadline calculators
Defence and AoS deadlines calculator If anyone is interested, I have created a simple calculator that shows the deadlines for submitting a defence after receiving an N1SDT Claim Form from HMCTS (CNBC). You enter the issue date from the claim form and it calculates the defence deadline with and without an Acknowledgment of…
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Tax code 26/27, unpaid tax from previous year
I have just been notified of my tax code for 26/27 and there are 2 curious items. First, it includes unpaid tax from previous year of £342. As I received a tax rebate of £227 for 24/25, this underpayment must relate to 25/26. Is there anywhere online where I can see where this has come from? Second, my untaxed interest has…
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Can I make a door here?
I want to make a door to the kitchen from the hallway (Black Arrow), and build a wall separating the kitchen and through lounge (dashed lines). Building the wall should be done easily enough. The wall I want to knock through to make a door is a solid wall. I have a screenshot of how the existing wall looks in real life…
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CGT reporting after shares sold
Hello. we arranged for the sale of share held by my mom which was completed in January, looking at the government website I don't think we need to do anything in respect to reporting them, but can someone just clarify I am reading it right as wouldn't want mom to get into trouble with HMRC. the website indicates that: If…
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Escape to the country & living off savings
Copied over from my old diary Hello again from Yorkshire 😁 The move from the south coast went well but it has been hectic since I got here. Spending has been budgeted for van hire £250 diesel £90 train fare for DS to get home £30 new boiler £3600 living room light £32 kettle & toaster £40 New bath towels (sale) £6 Living…
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Tell Us Once potential problems
Next week I have to the hardest thing I've ever done in my life and register my wife's death. I'm aware of the Tell Us Once service which is intended to let you make just one declaration that covers all government departments. My problem is my wife's death certificate has three names - her first name, her maiden surname,…
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Be cautious about buying McCarthy and Stone!
I would counsel caution to anyone considering buying a McCarthy and Stone apartment. The issue is not with the property itself but in the selling on of an apartment. I have been trying to sell my deceased uncle’s apartment for three - years. McCarthy and Stones resales experts are passive and as they continue to accrue…
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Moving on with things
I have debated posting this for a few days or so. One of the main reasons I wanted to post an update is because recently I said goodbye to my car for good having made the decision to lease another electric car through my business. A decision I simply think I wouldn’t have made without having been on here. My wife and I are…
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Decluttering my flat
Too much stuff in flat. Boxes of toys, paint things train tracks, previous tv lying around. Kid hasn't used painting craft stuff for years. Move ti garage or throw or charity shop? Too many clothes too.
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The strange case of the PCN that was paid but still a triple amount is requested(Tower Hamlets)
On December 18th 2025 a PCN of 160£ was issued for my motorcycle for accessing a pedestrian only zone in Tower Hamlets London. The charge was delivered to my address probably on Dec 22 or after, that is after I had flown to Italy for Christmas holidays. I come back to London on the night of Jan 5th and I arrive home after…
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Barclays, upto £2500 cash back for a cash, investments, or ISA transfer
https://www.barclays.co.uk/smart-investor/campaign/transfer/?campaign=SI_Email_Acquire_Campaign_email_Premier-2915-competitor_&chnnl=EMC Got an email about this, this morning. Need to transfer over £200k to get the maximum cash back and it’s paid out within 12 weeks after the end of the offer window I think, so around end…
