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Octopus Go Intelligent Tariff - recent changes
Can anyone understand the recent changes? I've watched several YouTube videos and they all have a different interpretation of the new and highly complicated rules. It's very hard to make heads or tails. To make matters worse, a friend who's already with Octopus (I'm still considering, having now bought an EV) told me about…
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Challenging Doubled Council Tax
I understand that the government want to encourage dormant houses to be put back on the market and as part of that have given power to local councils to double and treble Council Tax on empty properties but when a property has demonstrably been on the market for two years at market value or less and still hasn't sold is…
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Car purchase - electrical problems
We purchased a 2016 car from a dealer in November. The day after we picked it up, the n/s rear indicator developed a fault, as did the parking sensors. We took the car back to the dealer and waited for a couple of hours to have it fixed. Just before Christmas the same faults appeared, but couldn't get it booked in until…
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Skipton Track Record decline
hi My husband and I asked our broker to try and get an agreement in principal for a Skipton Track Record mortgage. It was declined… with no specific reason. Some information about us: we live in Scotland We have an annual income of £70k Personal loan (taken for a car purchase) £212 monthly and £11k to pay Credit card debt…
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OVO Billing- Advice Needed
I bought a property on 19th December (and as it's a project, we're still in the process of moving in fully) On the date I got the keys, I rang OVO energy to set up an account and advised them that the Gas Meter wasn't working- they went through all of the steps with us to rectify it at the time but instead got an Engineer…
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Replacement/courtesy car
I was involved in an 'no-fault' accident (a car pulled out of a minor road and smashed into the side of my vehicle) on 16th April last year. The insurance company organised a courtesy car, which due to the extensive repair required I had for 53 days. The charges for this vehicle unbeknown to me at the time were £86.20/day…
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Remove POP UPs from Android Phone
My New Android phone ( Motorola G85) is annoying me - I am getting constant "news" pop ups - I think that they are from the HELLO YOU app - which I can't remove Any clever suggestions ?
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new octopus 14mth fix
i see another new 14 month fix is out on octopus gas is again cheaper also electric SC has came down a lot also price per unit is down so worth checking it out
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The second hurdle - Nichelette v the huge mortgage
Hello! I thought I would start a new diary as we attack the second phase of our mortgage... In Jan 2019 we bought our first (lovely, but little) house for 320k with a 10% deposit. South east prices :s . With the fees we began our journey with a mortgage of £289,500 over 30 years. To be honest, whilst it was affordable to…
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Child trust fund 'missing'
Hi, we're having difficulty finding out if your youngest daughter has a CTF. She was born in Scotland in October 2008, so AFAIK she should have one, her elder sister did. We've twice completed the online HMRC facility, nothing back from them at all (earliest application was 16th January) Is a total lack of response them…
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Anti money laundering precautions for ISA savings
Hi, I regularly move ISA and non-ISA savings round to get the best available interest rate at the time. This leaves me with various empty accounts which I would like to close. However, I was wondering how this would affect anti money laundering regulations. I don't keep a record of all the places that money has been banked…
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Impasse with Housing Association.
Hi guys, I'm at my wits end with this situation and could do with some advice. I've been renting a flat from a housing association for just over a year. In all that time, I've had no hot water from my kitchen sink. I'm having to boil multiple kettles in order to wash up. I'm in this incredibly frustrating and expensive…
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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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Android Auto
Hi. Our 2023 Hyundai i10 SE Connect doesn't have dedicated SatNav, but does have Android Auto (and Apple Carplay). When I collected the car, I Bluetoothed my phone to it so I could make hands-free calls, and then set the SatNav for 'Home'. Offski I wentski. It's only just occurred to me that the Infotainment system was…
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£2 Savers Club 2026
Welcome everyone to the £2 savers club for 2026. As always, the aim is to collect every £2 coin you can lay your hands on! It is entirely up to you whether you want to: A) Save for a particular reason e.g. to pay the car insurance, to pay for a family holiday or to buy birthday presents throughout the year, B)Save until…
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US Markets Risk
Morningstar articles about investing tend to be informative rather than fluff pieces, many are an excellent trove of information. Below is an article that attempts to quantify the risk in US markets currently, supported by understandable metrics. (see the graphic entitled, Market Themometer). "I like this chart because it…
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Spectos/Royal Mail Monitoring and Posting Panel
After 600 pages of discussion on the Royal Mail Monitoring and Postal Panel thread, it seems like the time has come for a new thread to be created. Not because any of the discussion there is redundant (far from it) but because the contract for running the survey will shortly be passing from Kantar to Spectos (in…
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Separation/Divorce - Moving out, possible to obtain another mortgage.
Hi, Bit of a morbid post, but it is what it is. My wife and I have decided to split after 16 years in a relationship, the last few haven't been very enjoyable at all, now it's not fair on the kids (9 and 13). Not ending nastily, we both knew it was coming, but now what to do with money/house/mortgage. I'm - wanting to -…
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Minster Baywatch
It has been a while since I last posted here. I'm helping my daughter with a PCN from Minster Baywatch at Grosvenor Casino Bolton. The on site pay app did not take the payment. Event occurred on 5th June. PCN dated 12th June but did not arrive until 28th June (Sneaky way to squeeze the appeal time me thinks). We are…
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Car Radio Unlocking - Part 2
Hi all, I notice the previous Car radio unlocking thread has been closed (yesterday) so thought I'd see if I could start another as I cannot see any other thread!Anyway, I've a Blaupunkt CD43, Serial Number BP026318419367 which I took out of my car a few years back and now I want to refit I can't find the card the code was…
