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Ridiculous overestimated gas usage
My son has a small flat, 36 m2 with 2 radiators and a towel rail. Eon estimate his usage will be 20600 kwh. We have four years of actual usage at circa 3000 kwh per year. So obviously we send monthly meter readings but they still keep trying to increase his direct debit. He normally pays £100 in the winter and £60 in the…
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Emailed Stellantis yesterday (5/8/2025) regarding Hire Purchase of Citroen in 2008
Having seen Martin's weekly newsletter after the Supreme Court's judgement on car loans and commission I emailed Stellantis (formerly PSA Finance trading as Citroen Contract Motoring) using the template provided on Martin's website. I emailed yesterday at 10:51 PM and received an immediate reply thanking me for the query…
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A new chapter, An empty nest, Drama school & Last year of Uni
I've been on these boards for many years and a long time ago did start a diary when we'd had a windfall and cleared some debt and I'm not sure what happened but 'life' got in the way. Today starts a new chapter of my life as my youngest has just left home (albeit temporarily) for her to access a drama course in a different…
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Teetering on the brink
Where to start! My life has not been without challenges and I have had times where I’ve had a lot of debt, and times where I have had none. I always felt proud to say I have never missed a payment and always managed to get out of a sticky situation myself no matter what. But this time, I am not convinced I will find a way,…
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Is the British Gas exclusive fixed energy v86 cheaper than the British Gas fixed tariff v94?
BG have sent me the 'exclusive offer' for fixed tariff v86 but the v94 offer looks cheaper to me on the cheap energy club....have they really sent me an 'exclusive' offer that is more expensive than v94 on the energy club? V86 is: Gas s/c 27.068 ppd. Unit rate 5.621 Elec s/c 39.908 ppd. Unit rate 25.025 V94 is; Gas s/c…
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Indemnity Insurance
If we purchase a property with a flying freehold (we are under someone above) how will indemnity insurance help us. Would it just be for enforcing the owner above to carry out work BUT NOT pay for it?
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Frosty the Snowman - it's the 2025 Christmas thread!
Hello and welcome to the 2025 Christmas chatter thread! Better late than never I say! If you're new to the thread please pop in for a natter, pull up a chair by the fire and get yourself a hot chocolate - we all love Christmas but are also here to chat about anything else going on in our lives and offering each other…
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Delayed Singapore Airline Flight for 36 hours.....
We were booked on the Manchester to Singapore flight 10.25am, with final destination being Penang. We boarded the plane, but they delayed the take off as they said they had to do Airbus checks due to the aircraft going through bad turbulence on the incoming flight that morning. These checks continued to take place whilst…
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Moving on
Welcome to my new thread: my old one is here: Cherry takes the reins — MoneySavingExpert Forum and my very old one is here: Coffee and chocolate — MoneySavingExpert Forum Quite a lot changed in 2023, and now it's time to move on. I left the job and career path I'd followed for many years and don't feel I can or should go…
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NHS Pension - Reducing Days
I am hoping that someone can give me a sanity check. My wife has been working full time in the NHS since 2007, and recently got her TRS Statement which I understand based on the two scenarios. She is going to retire fully in 3 years at 60. From now on she is reducing her days to 3 days working. Am I correct that her 1995…
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ISA transfer experiences
My most recent experiences. First the bad and the ugly: * Monument to Santander. The request had to be made on paper, which I handed in to a friendly Santander employee in Branch. 6 weeks later, there had been nil progress as the form apparently "didn't reach the right department" (in Santander). This means I missed out on…
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ECP Weavers Wharf PCN following Premier Inn stay - ticket purchased via Ring Go app
Hi, Following a a stay at the Premier in in Kidderminster I received a PCN from Euro Car Parks despite having bought the correct ticket using the Ring Go app. Before discovering this fantastic site I naively appealed to ECP straight away thinking that their system had not tied up the RingGo payment with the parking…
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British Gas Customer switch to MSE Collective Nov26
Hi. I'm currently a British Gas customer on a fixed tarrif v63 April26. MSE have offered me a slightly cheaper tarrif Collective Nov26 which can save me around £80/year. When I try to switch within the MSE Energy Club I'm asked for all my personal details including bank account information. It's as if I'm going to be set…
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Citroën Berlingo diesel hell! Vans direct
Hi, I'm going to try and keep this as short as possible. July 24 my small business purchased on lease hire 2x Citroën Berlingo diesel vehicles. This was after advice from the sales team at vans direct, they are financed through RCI. We were told due to the mileage the vans would do, they wouldn't need servicing for 2…
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Cheap Energy Club - Deals Not Showing
I've been a member of the MSE weekly email for ages and signed up for the Cheap Engery Club tonight with the same email address. I've tried to click through the link for the Collective British Gas deal but it isn't showing on the Cheap Energy Club. In fact none of the featured deals from this week are. Any ideas why this…
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Buying to let in Liverpool
I’m currently based in London and considering a buy-to-let investment in Liverpool, but I’d like to hear some real opinions from people who’ve actually done it. I’ve run the numbers using a few online calculators and factored in: * 1 month annual void period * 5% mortgage rate 10% of rent for maintenance10% agent…
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Council Tax Dispute – Liability After Student Moved Out
Hi everyone, hoping for some advice. I appreciate we are not reclaiming Council tax but couldnt find another suitable category for this post. My son was a full-time student living in Liverpool in a shared flat. He started university in Sept 2024 and had to leave in November, he left the property on 25 November 2024 due to…
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Cloudfare Nightmare
For the last few weeks I've having trouble on numerous sites while using my main Windows 11 laptop using Chrome browser. This includes being refused completely to access some sites, being subjective to further Cloudfare checks slowing up everthing, have some functions not available within a site. I have two other computers…
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Amazon ofm falsely accusing me of violating their policies and restricted account after 2 months
Hey everyone, I’m reaching out because I’ve been dealing with a serious issue with Amazon for the past two months now, and I’m honestly at my wit’s end. My account ((Removed by Forum Team)) was restricted, and despite countless attempts to get clarity and a resolution, Amazon has not provided any solid evidence to justify…
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Ebay Postage - Business Account, Bulk Postage
Hi, We've started using the eBay postage thing for the items we sell. For individual items, it's fine, you get your QR code and toddle off to wherever with it. If you have more than one item, do you still get the choice of QR codes or do you have to print labels? I'm happy to put them through individually to get the QR…
