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Advice Needed Yopa Pay Later Contract
I've put my property on the market with Yopa - the Agent kept saying my house would sell really quickly etc. I had my property valued by 3 agents and all agreed the same valuation. I went with Yopa because of the low fees. My property has now been on the market for 12weeks and I've not had one viewing. I've contacted the…
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Something up with Suttons?
I ordered a Ribes odoratum from Suttons. They sent me a Buxus sempervirens, labelled Ribes odoratum. I rang up to complain and they apologised and said they would send a replacement. They sent another Buxus sempervirens, also labelled Ribes odoratum. I've complained by email and got an autoreply saying they're having a…
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Tv sound disappears
I have a Samsung series 6 smart tv. I think it must be about 11 years old. Every now and then when streaming the sound just goes off. I can fix it by turning the tv off and disconnecting it at the mains, then when it is switched back on it all works fine for a little while. The problem doesn’t seem to affect terrestrial…
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Amending Tax return/ Marriage Allowance
I too have been asked to complete a tax return for 24/25. I have completed it and sent it yesterday. I paid the amount asked for straightaway. Guess what today, I have found another £35 interest which was paid on an old account, so I need to amend the return. Right now, because it is less than 72 hours since completion it…
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Car insurance cancellation costs
Hi everyone and thanks for letting me join. My wife took a new car insurance policy with Onecall insurance through Money Supermarket 4 weeks ago as it was the most competitive quote. Unfortunately her car blew up and she had to buy a new one. She asked them for a quote on her new car and all looked ok but then we noticed…
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Home insurance getting cancelled
I have been with Sainsburys for buildings insurance for many years, but I had a letter yesterday saying they are not renewing it this July because they aren't offering home insurance any longer. The letter said that Lloyds bank might offer me home insurance, but the uncertainty about this is stressing me out. I had to…
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SSEN Connections
A few years ago I requested my electric meter be moved. I lived in a farmhouse and the meter was in a barn belonging to someone else. I was initially told because I paid the bill for both meters it was my supply and moving the supply cable at a cost of 500 pounds. Paid it, then was told that I would have to install a…
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UPVC window handle stuck
The handle on one of the UPVC windows in my house will only turn about 45 degrees, as a result of which I can't open the window. Applying pressure to different parts of the window, it seems the lock on the left corner is disengaged but the locks on the right and in the centre won't budge. I've tried replacing the handle…
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Santa Baby - it's the 2026 Christmas Chatter Thread!!
Hello
and welcome to the 2026 Christmas chatter thread! I have taken up the mantle
this year to start the thread in replace of long-time poster @princesskitty29
who has been busy of late xx If
you're new to the thread please pop in for a chat, pull up a chair by the fire
and get yourself a hot chocolate - we all love…
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Land Transaction Tax (second property)
Hi, I have a slightly more complicated situation and hope someone may have some insight as I can't find the answers online. I currently own a property with a family member that we lived in for 3 years after buying the property. I then purchased my family home and paid stamp duty land tax on the new property. The family…
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Thames Water delaying installing water meters for small flats
I live in a family house and Thames Water wanted to switch us to a meter over 2 years ago. The process was quick and communications straightforward. Two miles away, my daughter lives in a 1 bed flat, and has never been approached about fitting a meter. Last August she applied to have one fitted. The surveyors came out a…
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2025/26 Self Assessment Tax Return
Hopefully the HMRC system will work soon to be able to make some progress. Well done to anyone already logged in I keep getting busy message so far.
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Delivery shops - a how to
I want to do my delivery shops for the month and then adjust them. However I don't get paid until Friday. Am I right in thinking that most supermarkets require you to have the funds to check out when you place the order? This is very inconvenient. Do you know why they do this? Thanks 😊
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LGPS & State Pension Age
I and 43m and joined LGPS in 2017 on the CARE scheme - which I understand is tied to the State Pension Age. For me, this is currently aged 68. (with the increase from 67→68 scheduled for sometime 2044-46) The current implementation of the SPA rise to 67 got me thinking about the risks around this for planning for…
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Looking for a PAYG SIP calling package
I've dug out one of my old cell phones and would like to use it for SIP calling. Tried looking online for packages but it's a minefield. Comparison sites don't track SIP calling packages. I'm basically looking for a PAYG deal where perhaps I get so many free minutes a month and so many free texts. If I can choose my own…
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'Instant' property buying companies - has anyone had a good experience?
I have had a nightmare of an 18 months of legal difficulties that my late parent left behind. The final thing that will need sorting is the disposal of a rental property, which has not been looked after, and when the tenants finally go, it will probably be down to bailiffs and it's likely they'll leave it in even more of a…
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The Mental Debt Struggle...
I've known that this diary needed to be started... But I've run away from the idea as the accountability made me nervous and I didn't think anyone would want to read it. But then I realised it would be financially and mentally therapeutic for me, and that's the whole point after all. I've read other diaries and gained so…
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My debt story - looking for a bit of support
Hi all, I’ve been a long-time lurker on here but finally plucked up the courage to post. Looking to tell my story for bit of support and some honest perspectives and maybe offer some support to others Over a number of years I built up a large amount of unsecured debt (6 figures) across credit cards and loans. It started…
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Another tariff query!
Hello all. Looking for some help please : My son is moving into a 2 bedroomed new build semi detached property at the end of June. It will be fitted with an ASHP (make/capacity unknown, but trying to find out). No solar panels due to proximity to Stansted Airport and an imposed planning condition. He also has a plug in…
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Immediate Care needs annuity
I am trying to persuade a relative that it could be a good idea to consider taking out an immediate care annuity. They are very reluctant to make contact with an IFA, and I thought it would be a good idea to build a spreadsheet showing the annual cashflow, with various scenarios. AI has produced such a spreadsheet, (with a…
