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Lycamobile roaming
I had a Lycamoblie plan which included roaming in EU and India but could not get it to work in India Wasted several hours trying the suggestions of their help desk (turning off, replacing SIM etc) then tried signing up for a roaming bundle - which worked - so nothing wrong with my phone settings Has anyone else failed to…
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HEATING OIL
Hi guys HEATING OIL ASSISTANCE I’ve been waiting for the new government “Crisis & Resilience Fund” to go live on my local council which has replaced “LWAS” and it’s exactly the same! I’m a 55 yr old living alone with health issues and receive pip and uc. I’m a tenant and the energy fuel is by way of heating oil. I live in…
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Proceeds from house sale
Hi all, as a 60 something couple who are just weeks away from selling our current home, and are in the fortunate position of being able to live temporarily with family whilst we look for our perfect downsized property, we will have around £200k to invest in the short term. We have read about splitting anything above £120k…
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Maximising BR headroom while you can, vs mortality risk pre-75.
playing with optimisation strategies at the moment. Planning to retire at 58. If things go well, we should hopefully have some excess we can use to gift to kids while we’re still here and while they’re not too old. Some can be likely left to inheritance but with pensions going into the estate we want to avoid any massive…
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£10-a-Day Challenge: 2026
Hello everyone! I used to be part of this challenge years ago, and after a long hiatus I’ve found my way back. The aim is simple: find or earn an extra £10-a-day to put towards debt, savings, or whatever financial goal you’re working on. It’s a fun, motivating way to build momentum, and every little win counts. Would love…
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Steadily climbing the mountain, enjoying the view along the way
I have been pondering for a while stating a new thread, as at 700+ pages my old one is getting very long and doesn’t feel so aligned with where I am now. 2026 is going to be about getting myself to as healthy and happy a place as I can. Life is short and my inherent perfectionism means that I tend to want to achieve,…
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UKPC Parking Charge for Motorcycle
Hi all, first time posting on here. Apologies for the long post, I thought I would explain what happened, what my thought process was and what actions I've taken so far, and also upload photos of the parking area as well as all the letters that I have received to date from UKPC, so you have all the info. Any assistance…
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Transfer cash ISA from H.L to Santander.
The Santander transfer form asks for sort code and account number but H.L do not give you one all I have is my H.L client number. My ISA with H.L is invested with Chetwood bank. Not sure how to move forward on this, any advice please.
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Car insurance for second vehicle (temporary)
We are changing our car and will end up with two vehicles until our existing one is sold. Is it better to add the new car to the existing policy and then later remove the current car, or should we simply take out temporary cover on the new car until the old one sells and then change the policy details to the new car and…
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Unsuccessful POPLA Appeal
POPLA refused my appeal against parking ticket. Their decision was not well justified in my opinion, with comment that seemed opposite to what I have seen in other decisions, for example: "In this case the parking operator has confirmed they have the authority from the owner of the land to act on their behalf, the…
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Shared ownership & staircasing assistance!
Good morning all, new here and have read a fair few posts in regard to staircasing stamp duty! I think I may have got my maths correct but not 100% and its driving me round the bend so a little confirmation would be massively helpful! I bought my property at a 50% share for £112475 in 2021 during the covid Stamp duty…
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Cooling off period and other ISA accounts
I opened a cash ISA in this tax year. After reading this forum I decided to close it during the 14 day cancellation period. The money was sent to my linked account (regular bank account). That was the option Investec offered. I then opened an ISA with a different bank. I wanted to check if that is all ok. I.e I can still…
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Cotton wool pads - reusable alternative
Hi all, Our local authority are moving to 3 weekly bin collections, not a problem for us as we never fill the black bin. But, it has got us thinking about just what we do put in there and we've challenged ourselves to make a more concerted effort to reduce our waste further. My main waste is cotton wool pads for skin…
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The Iran Impact: Panel and Battery Inverter Prices rising from 5/26 onwards
Just received confirmation from two of the installers I use. Component prices are rising across brands, which will impact new Solar quotes from May onwards. As an example, Tesla distribution had 700 PW3s in stock in early April. Last Friday, < 100. Said another way, the UK will likely sell out of Tesla PW3s by month's end.…
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AJ Bell Monthly Fees
I switched my stocks & shares ISA to AJ Bell last month, largely on the basis of what I read on MSE, noting especially (thank-you Benjamin Taylor) that their monthly fees are capped at £3.50. They are not! Fees on FUNDS are charged separately to those on shares and are NOT CAPPED. Could this be made clear for other readers…
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Change of address when between homes for months or years?
Hi, I have sold my house, and I have a temporary address (friends). However, changing my address has got complicated. DVLA - they say you don't need to if you are temporarily away eg Uni, but not about being between homes. If I change DVLA, then I will need to change vehicle insurance - and vice versa. I am currently…
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slow pension admin
hi all can anyone help im 57 and have a db pension with avc's i signed all the paper work off end of jan to start claiming my private pension for start of the new tax year i dont have a passport so i had to send a copy of my driving licence and 2 bill inc bank statement the id is now still the hold up ive been on the phone…
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Homeowner (no mortgage) - Struggling with household debts
Hi all I'm struggling with household bills/credit cards debts after leaving my previous job in January due to job stress and mental health reasons I own my home outright after inheritance from my grandparents. I'm under 40 so lifetime mortgages and other products for over 55yo don't apply I want to understand if and what…
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Bristol Airport 46 Stopping at a zone where stopping is prohibited.
Hi all, I was wondering if you could help me with your expertise. I received a CN from CVS from Bristol airport for stopping in a zone where stopping is prohibited. It was on 17/12/2025 and we received it on 21/01/2026 but dated 15/01/2026. We had pre-pаid parking in the silver zone but the sat nav took us to a silly place…
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DMP set up but wondering if I should have defaulted first, and is too late to change?
I'm 29, based in London, earning £2,290 a month. I've just had a DMP set up through StepChange yesterday and they've confirmed they've received my paperwork. But before I fully commit I wanted to get some views on whether I've done the right thing, specifically around the defaulting first debate. My debts Total…
