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TSB Spend and Save reward offer - what to choose - hotel or activity pass?
Hi, I've been sent the code to choose my reward offer which is great but not sure what to go for. Can't find any information on the range of hotels on offer or the activities and don't want to make a wasted choice. For example, the voucher is for £120 and if the hotel rooms all cost more than that when I might be…
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RAC automatic Renewal RipOff
I’m usually good at this but inadvertantly allowed my RAC membership to"auto renew", I do not recall an email and there is nothing in my inbox. Shockingly my auto renewal was £220.98,checking online a new member can get the same cover for £70 with an advertised saving of £40, so the full price is in total £130. A call and…
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Default me
Well, where do I start? I have been in debt for my whole adult life, since I was accepted for my first store card at 18. You would have thought I would have learnt by now how to manage but again, in the same month that all of my previous defaults have dropped off my credit file, I am about to default on all of my debts…
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Secure use of voice recognition for access?
Given the advent of voice cloning how secure are bank aaccounts which use voice recognition for access? I have lots of different accounts and several banks try to get me to use voice recogition to gain access. I have always resisted this but given my opening statement and the various news stories today should they not…
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Sick Leave
Hi all, I've been working for the local government for almost 20 years. Back in the old days, we used to have two people in the team who would call in sick quite often. When they had been off sick 3 times, they would get marched up to employee healthcare because they had hit a trigger. Roll onto now, we have 3 people in…
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Pension pot after my husband died
My husband age 78 has died leaving a pension pot of 70,000 and I am 74 not in go health myself what should I do with his pension take it as a lump sum or how does drawdown work
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Money taken from Pension Credit
Hi all, newbie here so hope I'm in the correct forum! I'll try to keep it short….. Since September 2025 over £55.00 has been taken every month from our joint claim for Pension Credit. This is repayment for an outstanding Working Tax Credit overpayment they say. However, this overpayment was repaid in full in August 2025…
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Supermarkets refusing manufacturers coupons
Has anyone else found it almost impossible to spend manufacturer issued coupons in supermarkets over the last few months? I’m a firm believer in writing in to product manufacturers whenever something isn’t right with a product, and most of the time you get a letter of apology with some coupons for money off your next…
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Window leak help
Hello, So I understand that this may be hard to visualise or diagnose on the internet but I'm after some basic Info on a window leak before I hire someone to investigate and charge a fortune. So I dont have visual water anywhere but the MDF cill has been swelling in one corner for the last 2 winters. There was obviously a…
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Taking pension, continue to work.
Hi, Hopefully someone can help, I will be 60 in June & plan on taking my DB pension & continue to work for 1-2 more years. My pension will be approximately 60k lump sum & £800 per month. I earn approximately 45k per year,so pay a higher rate of tax (Scotland) My question is would I be better to pay £800 per month into my…
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Paid gaps in N.I a year ago, still not updated.
I was living abroad in the late 90s til 2010 so I had some NI gaps. After proving I lived in Spain I was allowed to pay 3 missing years which totalled to £450, paid this online then called them at the time in Feb25 and they confirmed payment had been accepted. Just checked and still not updated online a year later?! Is…
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Herald Corporate Action - Tender Offer
Hi all Couldn't find an existing thread. I currently hold Herald Investment trust and received notification of this. I didn't know about the background to it but have done some reading. Sounds interesting and it's a defence against Saba Capital Management. Would appreciate any thoughts and what one might do in terms of…
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PC not starting
Hi, My dads PC isn't starting - I suspect it is probably the power supply unit, but wondered if there could be any other reasons ? I opened the box this afternoon and the light on the motherboard is on, but when I press the on button the processor fan gives a very brief stutter but nothing else happens. Thanks for any help.
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DCB Ltd letter vs disabled parking
Received letter today from DCB Ltd, I’ve not called them but I did contact them via WhatsApp before I found this forum so maybe I’m doomed because of that ? who knows. Letter states it is collecting £160 on behalf of ParkingEye Limited for a PCN issued October 15th 2025. I was parked in a disabled parking bay at Lidl with…
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Ansell downlighters replacement
Having moved into a house with 13 of these downlighters in kitchen ceiling, I’m unsure what I need to replace, being completely unfamiliar with such things, I presumed it was just a bulb change (7 of the 13 no longer work, although only 7 years old max). After research it seems the whole sealed unit needs to be replaced…
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Time to banish the debt.
I've been a lurker on here for a while now and kept meaning to start my own diary but for some reason or not I haven't, I now know it's probably because of the shame I'm feeling. I've had some kind of debt for as long as I can remember but never to this extent. 8 years ago I had just paid off £3000 on my credit card and…
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undo latest I O S "upgrade"
I've got two apple phone users here grumbling about the latest "upgrade" (I O S 26.2.1) and wondering if there's a way to 'roll back' to the previous version. Is there a way? — Sent from my aNdroid phone! 😉
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Fresh Diary for 2025! & Carrying on for 2026
Hello those who follow along! Last year goals; - Get debt gone (didn't complete) - Buy my house - COMPLETE - Meal plan/prep - Sort of - Cut out Coffee (I gave this up on 22nd November 2023) - Didn't complete - Have savings of at least 2k! - didn't complete Am I annoyed I didn't complete some goals? no. I can try again!…
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Is the landlord legally correct
Hi all My son had a debt with his landlord. Following advice from this great forum, my son made an offer of a monthly repayment to the Landlord via the Estate Agent at the end of November 2025. This was agreed, and my son, as agreed paid the first payment 5th December, then a second payment on the 5th January. Yesterday he…
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HMRC - Lack of communication and income tax due.
I have tried to register with HMRC but all efforts have so far failed. I've tried writing to them but no response. I've tried ringing, but they simply keep me hanging on the line after numerous automated questions to put me through to the correct department, then the endless wait to speak to a human being, and the wracking…
