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Anyone owed money from Empathy Funeral plan?
I am desperately trying to find out where my money has gone after Empathy Funeral plan went into administration. O'Haras LTD took over the insolvency, now I cant get hold of them. Jeremy Bennett is who I assume was the Director of O'Haras. I wont say too much about him but looks like theres problems with him.
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Tenancy - leaving question
Hi, I’m coming to the end of tenancy, month’s notice already given and acknowledged. Now I’m looking to move out a bit early, the landlord is keen to get in and work on some bits that need freshening up etc. before re-letting. My question is, if we mutually agree to hand back the property earlier than the end of the month,…
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Need smartphone to park?
Hi, I have a dumbphone and a laptop with a mobile router which are on EE contract. I have a smartphone, which i occasionally use on pay-as-you-go with O2 (its locked to O2 and cant be unlocked despite what they say) , but to be honest, i am not too hot at using the smartphone. (wrong generation, now 56 years old). Anyway,…
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Bailiff/enforcement letter sent to my new address — tracing que
Hi everyone — I’ve just received a letter from Bristow & Sutor (enforcement company) addressed to me at my current address a couple of weeks ago, about a penalty charge notice for a council I don’t live in. Quick background: I have lived at this property for about 15 months and it’s mortgaged in my name. I updated my…
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Home insurance legal cover - period issue
Dear forum, I have just (sept'25) received a civil claim against me for the sale of a house in Feb' 2023. At that time of the sale, I had legal expenses cover through my home insurance from Jul'22-Jul'23). To complicate matters, the claim handlers for the insurers changed in June 2023. I contacted the present claims…
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Making an offer on a property
Hi, I was wondering if anyone can help advise on how I know if I am paying a decent price on the property I am about to buy? Also, how much should the surveys cost with VAT and what type of survey should I be going for if buying a standard semi detached house? Thanks a lot
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LootUp.Me Codes 2025
I have searched but cannot find a thread for LootUp codes. The website is https://lootup.me/earn.php if anyone wants to join up Weekly free giveaway ~ https://lootup.me/giveaways.php If anyone needs them they can be posted here. This is today's one:- FROSTYGAINS are here to warm up your earnings! Redeem this code and claim…
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Download "property log" chrome extension
Apparently a few of you are not aware of this chrome extension, it is called "property log", it runs with Rightmove offering further analytics. It shows you how long a property has been on the market and how much each property has had its prices revised. If you're looking to buy it's so useful to see what houses are doing…
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Renault Battery Lease Hostage
Hi All, Ideally I'm after advice or suggestions. We own a second hand, 10yr old Renault Zoe with a leased battery. We're fed up of paying for repairs to the car, the suspension in particular breaks at least every 6 months and now the electrics are going. It needs scrapping, but before you do that you have to get out of the…
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Royal Mail arriving several days late
Has anyone had a load of mail suddenly turn up extremely late? Today is 4th November 2025. In my post today; I got a letter dated 12/10/25 - from Standard Life - Pension related I got an order I placed with Amazon dated 23/10/25 - I had already requested sending again or a refund I got two letters dated 25/10/25 - from…
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Ditching gas, going electric immersion only, a wee project
I think this fits within the green and ethical section of MSE. This is an ongoing project to replace my gas combi boiler with water tanks heated by immersion. (Hopefully finished In next couple of weeks) A common question would be why not use a heat pump, and there are two reasons for this. 1. It would have to run all day,…
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Getting a credit card when I've recently been living abroad
Hi everyone, I'm keen to get a credit card to build up my credit history. I used the soft checker on here and got '100% pre approval' on an M&S purchase plus credit card. However I had the same result with a different card a few months ago, but when I went to apply they said I wasn't eligible due to not having 3 years of…
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POPLA appeal - MET Parking - McDonalds 2 River Staines - Advice on wording please
Hi all. Firstly, thanks in advance for reading my thread. I wish I had come across this forum earlier. I'm currently dealing with a NTK issued by MET Services where I've already appealed the charge and received a rejection to my appeal. Unfortunately, in my appeal, I've already admitted I was the driver My circumstances…
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o2 sim only deal ending
Im currently on o2 with 50gb 5G data. o2 have offered me to renew at £11.80pm from 3rd Oct. However I've seen a similar data package from o2 at £8.50pm. Would o2 allow me to take out a new sim deal and port my number onto that sim to obtain the £8.50pm new customer deal ?
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Zopa savings pots
I've just been offered the increased savings rate of 4.75% on my Access pot with Zopa. I see that if I open a new pot, this will also be 4.75%. I've currently got some 7 day Boosted pots only paying 3.33%. If I give the 7 days notice, will these then become Access pots at 4.75% does anyone know? I guess I could just open…
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IBAN child account to receive flight compensation
A 7 year old child needs a bank account to receive flight delay compensation. As the compensation goes to passenger named on ticket rather than the adult who paid for ticket. Emirates won't deal with Starling Bank UK or Revolut. I created a Lloyds Bank Child Saver, but Emirates stated the IBAN provided is not an…
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Updating Title Deeds following death of joint proprietor (Scotland)
Hi, Property is located in Scotland and mortgage free with husband and wife both named on the Title Deeds. Both parties signed an 'Evacuation of Special Destination' document a few years ago therefore converting the property ownership from Joint Tenants to Tenants in Common. Following the death of one of the 2 people (who…
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TBS Switch offer Amazon voucher
In the latest MoneySavingExpert newsletter it states that a £25 Amazon gift card is available if one applies for the TBS switch offer via the MoneySavingExpert website by Thu 5pm. It does not say which Thu... was it Thu 30 Oct or is is Thu 6 Nov 2025?When I click on this link to TBS, no additional page opens to log the…
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Cahoot prize draw January 2026
* 1 x £25,000 prize * 5 x £2,500 prizes * 50 x £250 prizes Prize draw ends 31 December 2025. Winners will be drawn in January 2026. We’ll pay prizes directly into winners cahoot accounts. Winners will be contacted by telephone, or by email if we can’t reach you Many forumites will automatically get the max two entries, on…
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What is classed as an overnight stay?
My ex has my children 1-2 nights a week but will only have them at my house and not at his I pay the mortgage and all bills of which he uses whe he's at my house and uses food out my cupboards and I also have to find an alternative place to stay while he's at the house. Would this be classed as overnight stays or not as I…
