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Excessive insurance cancellation fee
Hello, Sorry if this has been covered but I could not find any previous posts regarding this, or if I’m even in right section. I took out car insurance for £230.00 in April, starting cover 4th march 25. I could not afford to pay in full so I chose to pay monthly. My car broke on 31st May and I sold it 13th June. I tried to…
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Booked a Wowcher “deal” and was given a airport miles away from Hotel
Hello everyone i hope you are all well. I have a bit of an issue and I wonder if someone could guide me in the right direction. Basically I booked a Wowcher deal on there website to lake Garda (Italy) for May next year. it was well priced hotel, all inclusive and flights included. So I bought it for me and girlfriend as a…
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Advents Thread Query
HelloIs it possible that the advents comps have at least 2 different threads - one for web entry and one for social media entries. A bit like we currently differentiate between postal comps and "normal" non-postal on the general comps board.Is this possible, does anyone agree, or disagree? Is it something we could achive…
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Changing Joint Tenants to Tenants in Common for Will
My father in law wants to get his affairs in order but just needs help with clarifying a few issues with regards to making a will. He has a few pensions, assets and savings in the UK which he wants to split between his children and grandchildren. He also owns a house with his current partner, joint tenants and mortgage…
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Tax on savings interest
Hi all, I had an unwelcome message from HMRC saying I had not paid enough tax during current tax year. Both myself and my wife are pensioners with additional company pensions. We have a savings account that produces interest in excess of £1000 allowance, my state and company pensions take me over £17000 and so pay 20% tax…
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TV LICENCE SITE PERMANENTLY DOWN
Our website is temporarily unavailable. We apologise for any inconvenience this may cause. We are working hard to resolve this issue. Been trying to renew licence after threatening letter for over a week, anyone else having above message
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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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I need to buy a very expensive sink
I need to buy a very expensive sink £700 ish…. Is there anything I can do to get at least something in return for it - I use top cashback but the website I will be buying it from isn’t on there. Could I get a new credit card specifically for that expenditure - I have good credit and would pay off in full and then probably…
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Warranty Headache.
Hi all, I'm hoping you guys can clarify my position on this as my specific situation is near on impossible to research on Google. I bought a new diagnostic tablet directly from the manufacturer (Autel) back on march 14th of this year. On August 25th it developed a fault, namely that the internal battery wasn't taking a…
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Having more than one S&S ISA
I currently have two S&S ISA's with two different providers (Trading 212 and iWeb - majority of money is in iWeb). Is there any benefit to having more than one S&S ISA? I am thinking of consolidating my T212 into iWeb for ease. I don't mean in terms of fees paid etc, just the principle of having more than one S&S ISA.
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Making 2026 a debt busting year
Hi all So, DH and I have been in debt for years, mostly credit cards, and decided to make a real effort last year to start to clear them. The aim is to have them all paid off by the end of 2027. We have no mortgage but do have a loan for some for some work on the house which will be cleared in April 2028. We started 2025…
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Title Deeds documents missing
I am nearing completion on the sale of a leasehold flat. Our solicitor has received a late enquiry from the buyer's solicitor saying "When reviewing the file again to set up for completion we cannot trace that we have received copies of the charges referred to at entry 6 of the title SYK0000. Could you please supply…
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Longer-Term Savings Interest Rate Stability
Does anyone have any thoughts about which savings institutions either statistically or subjectively maintain fairly high interest rates over the longer term? I just get tired of constantly having to move money around because an initially headline-grabbing rate has been slashed after just a couple of months. I just want to…
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My landline number and broadband have been "jacked" !!
Been with Plusnet 8 yrs (rural copper), same landline for 15 yrs. Got an email that I thought was a scam but it had too much personal stuff on it , saying sorry to see you go (I just feckin renewed 2 months ago) at the end of the month as they've had notification I'm moving to another provider, which is utter BS. So I…
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Salary Sacrifice: Employer Contributions Vs Employee Contributions
I believe that, currently, if an employee uses Salary Sacrifice to add e.g 5% into their pension, then this amount is added to any additional payments from the employer ( e.g. 3% auto enrollment) and the total amount of 8% is paid into the pension as an "employer contribution". From 2029, though, it seems the 3% will be…
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What are the best resources for stock picking?
I know all the jargon that is going to come if I do not preface this but currently 100% of my portfolio is in VWRP and I definitely want 5-10% of my portfolio to be individual stocks. Bit of a sidenote but is would it be better to buy into the nasdaq 100 or an individual mag 7 stock (likely Tesla, Google or Amazon)
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Excepted Estate - No Probate Required
I am posting this for information only and would appreciate some help as I cannot find anything on line. If you have an Excepted Estate that does not require probate as all the assets are in cash. There is only one beneficiary and they plan to do a Deed of Variation for the whole estate value within the 2 year period…
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Gladstones LBC letter
Hello, I have been reading through all of the threads and I am still stuck on what to do with my situation. My worry is that I was sent the letter on 29th October and because I am at university I didn't see this letter until just over a week ago and I now only have until Friday to sort this. I parked by my university…
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Sainsbury's Delivery Pass and Gift Card - changes to terms & conditions
I have a Sainsbury's delivery pass and usually pay for most of my order using one of their reloadable gift cards. I have been doing this for years.Last week when I placed my weekly order for delivery it had on it a £4.50 delivery cost added, despite me having a delivery pass. A phone call to their help line resulted in me…
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No Buying Unnecessary Toiletries November 2025
If your beauty and toiletries are taking over your life, then this is the thread to help you work through the stash and motivate you to not buy anymore (hopefully!) Welcome all newbies and regulars to this very friendly and chatty thread where we give lots of lovely tips on how to use up your stash and lots of support and…
