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First Direct Identity Checks
One big drawback of switching to First Direct is that unlike most other banks they seem unable to complete electronic identity checks instead requiring copies of certified paper documents. Seems strange for a purely online bank and in the current climate its not easy to find someone in a position to complete certification!
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Mortgage Free now aiming for FIRE
Time to start a new Diary. I have had my old one since Autumn 19 which is when I moved into my forever home after 4 years of renting in London. I am 52 and I live with my DG on the South Coast. I have a well paid job for my sector and was finally made permanent and full time in December 21. DG is self employed which she…
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Tomato Energy (Electric Only Supplier) - Too Good To Be True ?
Looking at Tomato Energy for our electric only property. They are offering 12M FIXED Tariffs which are based on your chosen lifestyle - with Daily Standing Charge as low as 40.82p The tariff Im looking at gives me a Unit Rate of; 00:00 to 06:00 = 5.00p 06:00 to 09:30 = 23.16p 09:30 to 11:30 = 13.37p 11:30 to 22:00 = 23.16p…
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German cars & permanent indicators?
Wondering what this phenomenon is that I'm seeing around on our roads lately. May be just to our area or not, I've no idea. I live a sheltered life & don't venture out much to other areas. Every time I've seen this the car has always been a 'German' make. I say German, I'm sure someone will come in & say BMW, VW aren't…
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Concerns Over GardX & Vehicle Prep
Hi all, Looking for some advice on whether this is worth escalating or if I should just let it go. I recently bought a used car from an approved Mercedes-Benz main dealer. I had been speaking with them via email prior to viewing the vehicle and negotiated the deal remotely. I originally planned to buy the car outright with…
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Thames Water have made a mistake & we are paying someone else's bill & it just jumped 140% - help!
Hi- Our water is with Thames Water. They increased our water bill by 140% this year. They also didn't notify us that they were changing it. When we phoned to complain we were met with 'bills increase on average by 40% due to essential maintenance & inflation costs' but no way to reduce the bill. It doesn't seem correct…
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British Gas overestimating our gas usage
I have recently moved into my first property (2 months ago) and have been paying £136 pm for gas and electric with British Gas since we moved in. Our property is a small 2 bed end terrace which 2 adults live in. Our gas usage over the last 60 days since we have lived here is 1068kwh in total, but our annual estimated gas…
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Time to Face The Music
We have decided as a couple that it is time to face the music and start paying down some of our debts. We are lucky that we are both in jobs that pay ok but we have at times been living beyond our means and now it is time to start reining in the spending and making a concerted effort to cut the debt. Moving house last year…
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National Parking Control Group Ltd/DCB Legal PCN – Lidl Paddock Retail Park - Defence Assistance req
Hello everyone! Thank you for the wealth of knowledge provide on MSE. I have
read through many threads and have a good grasp of what the process will
entail. I plan to update this thread at each stage and would be grateful for
any assistance. Background: - Two family members went to Lidl at Paddock
Retail Park, Weybridge -…
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Lost cause? Help with Vinted/InPost
Hi all I wondered if someone could help or offer any advice at all about a recent problem with both Vinted and InPost. I don't know if I should just give up, but it seems so wrong! I posted an item out to a Vinted buyer via an InPost locker, however, the item wasn't registered correctly by the locker and I didn't receive…
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Back Billing And The Comedy Of Resolution With Octopus (Question Plus Mini Vent)
Hi everyone, I have been trying to find out if the Back Billing rules apply to Octopus Energy. I have been researching on Ofgem, CAB and other websites - but can't seem to find out if all energy companies mandatorily are signed to this, or if it is still voluntary for some. Does Octopus specifically have to follow the 12…
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Car finance - Supreme Court Judgment 1st August.
I have 4 claims that have DCA so just waiting but the chancellor can put in place after the judgment legislation that could cap the compensation which is not fair, its money we are owed all the monies that were earned from this doesn't get paid back so why we shouldn't be out of pocket . It would be politically…
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oriel glass box frameless window installation
I have commissioned a bespoke oriel window in my new extension and the building inspector says it's been installed incorrectly and is the wrong size to fit the opening. The suppliers have made the aluminium frame so that it is too short to be fixed into the brickwork of the structural window opening. The fitter has angled…
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Battery Electric Vehicle News / Enjoying the Transportation Revolution
I thought a more specific thread/title might be useful for posting news on BEV's (and EV's in general), given that we have threads to discuss the minutia about EV ownership, but perhaps a thread just for the news might be useful. Disclaimer from the start, BEV news can easily become Tesla heavy, so posts, especially mine,…
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NatWest reward account - how quickly can I take the 1250 payment out?
Can any NatWest rewards regulars in here answer a question? You have to pay in 1250 a month to qualify for rewards, but does it have to stay in for 24 hours like it does when doing their switch bonus, or can it go out again same day?
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online purchase return - can retailer charge restocking fee and outbound postage?
a week ago i ordered from an online website some car parts. however, on receipt i decided they weren't for me and wish to return them, fully understanding the cost of returns postage will be borne by me. i contacted the retailer by phone about the return and they informed me that they will charge a 15% restocking fee and…
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Telephone Assessment
Hi there, I was in receipt of ESA, but that migrated to Universal Credit back at the beginning of the year. I have received a letter today saying DWP want to carry out an assessment for my ESA claims this is part of the work capability assessment which looks at disability, illness or health condition affects my capability…
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Flight delay and cancellation compensation, BA ONLY
MSE Official Insert: This discussion thread is linked to from our Flight Delays Compensation guide. Please read that for full help.
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From broke to better ..a journey
Hi everyone. Well today is, as they say, the first day of the rest of my life. The first real day of my journey to get rid of debt. I am alone in this. No partner and no family for support so I am finding myself tearful and scared. I know noone here can hold my hand, but I've seen so much support on other people's diaries…
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One day at a time
Im starting this dairy to keep track and hold myself accountable. unsecured debts of £54k. Have clearly been living off CC more than i ever realised. All been low apr or 0% BT, now coming to an end this year, interest is killing me, monthly payments circa £1200. My OH knew nothing of any of it, they knew we had a loan and…
