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Clearing the card balance
Martin Lewis is always repeating the mantra "PAY IT IN FULL" to avoid credit card interest. So what does "pay it in full" actually mean? Here's my scenario: In Nov I had a zero balance and spent £200 halfway through the month, so at the end of Nov I have £200 to pay. From what I understand, I have fifty-something days…
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Economy 7 timing problem (EDF)
I have a 2024 Kaifa 'smart' meter. Up until recently the timing of the storage heater switching (ALCS) was well synchronised with the Economy 7 tariff period. However since a new E7 tariff on 14 Jan, the tariff change to night rate has been delayed by 30min. This of course means that for the first 30min the heavy storage…
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Behaviour of #latest
Clicking on a thread title should result in #latest i.e. opening on the last read or first new unread post, whether implemented by time of last visit or post last viewed, - but this seems inconsistent with the browser often opening on a post a few posts previous.
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Partner not contributing to house expenses. Is it fair?
I've been with my partner for about 25 years and we have a grown up child between us who lives away. He moved into my house after our child was born and since then we've moved house twice. Before I fell pregnant I owned my own house and had a lodger to help with the mortgage. He owned his own flat that was mortgaged. After…
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How long can a company retain your credit Card details?
Earlier this week I found a charge on my credit card for a service (IT VPN) I stopped using back in October 2022. I have not had any correspondence with the company since I stopped using them back in 2022. My credit card I was using back in 2022 had expired and been renewed, same credit company, same account number. My…
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Chetwood Bank reliability
I am ready to invest a 5 figure sum in fixed savings account with Chetwood but seen in a dreview that they do not issue Tax Statements of interest which is unusual. Any one have an opinion as to why this should be so?
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Freetrade customer service response time?
So I opened a Freetrade account last week with the intention of moving my s&s ISA and SIPP over from ii, to receive the 1% cashback. Before committing, I wanted to ask them a few questions, so I emailed them last Thursday, and then messaged them on the chat on Monday. Yet to receive a response from either. Are they…
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How to fund the cost of enforcing a restrictive covenant to prevent an HMO
Hello everyone. First time poster here. I am trying to figure my way through this legal process and it isn’t easy, I see there have been some threads here about restrictive covenants before and so I thought it was worth a shot asking you all if anyone has any knowledge of this. The facts: a developer is trying to turn the…
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Milann’s mutterings through retirement
I thought it was about time for a new diary. Ive been a member of MSE many years now and got my debt down from £20,000’s to a big fat ZERO. I kept the debts to myself as I was the one who built them up. Dh would have been ok and we’d have worked through them together…..but it was my mess that I wanted to clear myself and…
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Paying defaults
Hi, just looking for some further advise please. I've had a couple of debts eventually default and had letters and calls from the companies who've bought the debt. I haven't spoke to them but I've made payment to each for the last 2 months on websites. Should I contact them to set up a payment or is it acceptable to keep…
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TFL pcn while doing Amazon flex
hello need your urgent advice. A man in police officer clothing on a cycle gave me a pcn while I was working for Amazon flex. I couldn’t find any parking and had to deliver one package to an apartment block. it was a red route and I couldn’t park there during 7am to 7pm and it was 2pm when it happened. I have attached the…
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Consistency in Financial Ombudsman Affordability Complaints
I currently have 6+ complaints in with the Ombudsman about numerous cards and loans. I am struggling to understand the lack of consistency in their investigators findings. For example, one investigator has agreed that one company should not have given me a loan of £4000 in late 2024 due to the fact that it was plain to see…
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Holding XSTR In S&S ISA.... Thoughts?
I've recently transferred a S&S ISA from T212 to Freetrade. In addition to my Global ETF, I tend to hold a reasonable amount of cash in the same account. This wasn't a big deal in T212 as it attracted daily interest from money market funds. Freetrade offer limited interest on cash, so I've considered buying XSTR ETF or…
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Company chasing for payment already made
In December 2025, I purchased an item online for £12.99 from a small company I had not used before. Payment was made by card, and the item was delivered without issue. In January 2026, the company contacted me claiming that my card provider had reversed the payment and that the amount was still owed. I checked my bank…
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Governments £150 off energy bills
On matins show it was stated that the reduction equates to 3.5p kwh off tariff But he said some suppliers who do not pay the environmental charge may only reduce the bills by £90, Does any body know what what that would equate to a reduction of per kwh
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Working away from home and snoring
Hi, I work as an electronics contract engineer. As such i need to stay in B&B's and Travelodge's etc in the week. Unfortunately i not only snore extremely loudly, but i also sometimes make a loud droning noise when asleep. This wakes people up in the adjacent Hotel rooms and sometimes they then "get their revenge" by…
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Arrietty's Acorns
Hello, I think we're past the 'happy new year' stage now and as we don't know each other yet I'll just dive right in, say 'hello' again and declare that I NEED to be on this board. I've been dipping in and out of here for a while now and debating with myself as to whether I should start my own savings diary; whether it…
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Fuse Energy Fixed Tariffs 2026
£50 Early Exit Fees apply per fuel unless otherwise stated On offer today are: Jan Fixed (15m) v1 Jan Fixed (13m) v3 Jan Fixed (12m) v3 Don't worry, Fuse Energy will show you all their tariffs in the cheapest value order for you. Even if you have an E7 meter, they will offer you the single rate tariff option online if you…
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Thoughts on Humax Aura PVR?
We have an older Humax Freeview recorder that is starting to be unreliable. The Humax Aura is a possible replacement, but I see several user reviews on both John Lewis and Amazon that say it is best avoided. As usual there are the "best thing since sliced bread" vs "don't touch one with a barge pole" reviews, anyone got…
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Prolific Academic Survey Alerts
Here we go again.
