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Preparing small claims court case against Axa travel insurance
I'm posting here for the benefit of others, firstly to warn them about LoveitCoverit travel insurance (by Axa) and secondly to post about my case and progress. Long story short (won't bore you with all the details), our daughter fell ill the night before our scheduled flight and was unable to travel. She and some of our…
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Alchemausterity II
Traditionally I would post in purple, but times change and on my mobile. I was torn between DFW and MFW but I feel like this is my spiritual home! I haven't been around for years and in that time we've moved to a smallholding. DD1 now at uni, DD2 doing GCSEs and DS1 starting secondary in September. We have a whacking 270k…
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Rolling Down the Green Hill Towards REtirement 😊🌄💚💜
Happy New Year!!! As our MFW journey finished back in July 2015(wow!) on our family home and Apr 202 on our BTL (because we sold it! :D ) I thought it was time for a new diary (seeing as some others are doing it, I thought I'd also jump on the bandwagon 😉 🚙) and the new year seems a good time to start. Back when I started…
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10 years to clear £334K - our FIRE journey
We bought our house late 2014 and have been (very) gradually doing it up. So far we have replaced the roof, oil tank and boiler and completely refurbished the study, living room and one bedroom. We have three bedrooms, bathroom, kitchen and utility still to go. We recently re-mortgaged and have released some equity to do…
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Manchester airport drop off fine
Hi I’ve been reading through the threads trying to find a solution that fits with my query but I can’t, please help me I picked up my daughter from Manchester airport T2 in May, it was 2.30 am I was driving round looking for her and drove on the drop off/pick up road (by accident) as she wasn’t there. I thought I would…
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N180 Form. How do I know who to send it to?
Hi all I'm dealing with a parking ticket and got an N180 form to complete. Initial look and, unlike others, doesn't seem to be one that can be completed online despite asking for copies. Anyway, I have to send a copy to the claimant but their contact details are not on the form, just the company name and a reference…
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Lebara switching Sim only plan - Deals only available to new customers
With Lebara (not for much longer!) and needed more data pm so looked on a price comparison site - Lebara was the competitive and as I was already with them gave them a call. Operative was very apologetic but apparently they cannot give any deals to existing customers, and if you order a Sim from the price comparison site…
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MSE News: Got Sky TV? Why you still can't cancel penalty-free if it hikes your price mid-contract
If you've got Sky TV, Sky can put your price up during your two-year contract without telling you what rises to expect before you sign up AND without letting you leave penalty-free. Thought this kind of thing was supposed to be banned? So did we. But our investigation can now reveal that Sky is exploiting a surprising gap…
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Advice needed: Lodger/Airbnb arrangement after bereavement
Hi all, Hoping someone might be able to point me in the right direction here. My brother and I have inherited our family home following our mum's passing and are considering the arrangement outlined below. We'd like some guidance on the legal side of things before we proceed. Background: We sadly lost our mum very suddenly…
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Building safety act for an off plan new build?
Is it normal for solicitors to refuse to take on or apply high building safety act fees for a new build off plan purchase because it has a bit of cladding? Surely a new building should be compliant with today’s regulations. What I’m particularly worried about is will this make resale very difficult too?
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Energy cost breakdown
Why are energy providers not required to give a breakdown of factors affecting a price rise, especially whether it is due to usage which you can do something about or external factors which you can’t. My new direct debit from Octopus has gone up 50% but I don’t know why because they just say it could be due to x, y or z.…
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Advice on Trading 212
Hi all I am in need of some advise here, my 1 year fixed Isa matured today and I am told is in a very low interest holding account, I obviously don't want to leave it here, so looking on this website I have seen that Trading 212 currently is the leader of the interest rate market, seems great but is it, suffice to say, I…
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Variable rate
Hi all, as of October 2025 our mortgage will move from the fixed rate to variable rate as our house is on the market and we don’t wish to remortgage, we are just selling not buying another house after this one. As far as I understand the variable rate is whatever the Bank of England decides which is currently 4%. Our…
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Compers Survey 2025 Results.
I found this in my inbox this morning, I know I've participated in the survey before, can't remember if I did do this years one or not. The results are interesting and fun to read: https://superlucky.me/compers-survey-2025-revealing-the-habits-of-successful-winners/ Looks like our site has fallen in popularity :( This part…
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Royal Mail lost IHT forms - next steps?
Hey all. I posted IHT forms via Royal Mail Tracked. After over 2 weeks, they have not been marked delivered. The last tracking was that it was in "North Midlands MC" Despite being a tracked service, RM have been extremely dismissive and unhelpful - they don't know where it is and assume it is lost. HMRC have not received…
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Getting FIREd up 😀
After two years keeping calm and carrying on, now feels like the right time to move on and start getting FIREd up instead 😀 Summary of the last two years: Was working for a plc, decent money but putting in a lot of hours, very little support from the business and pretty fed up with always being sent out to do battle for…
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Newbie pensioner here
Hello. I have recently retired and currently receive a state pension and a small amount from a private pension. I will also be receiving (when they stop dragging their heels!) a LG employers pension (worked in a school for 29 years). I have been on the Government website to ask about tax payments I should have to make but…
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Parking Code evidence - your images of private parking signs are needed please!
This thread started life as a discussion about the DLUHC's Call for Evidence but EDITED 2025: Let's kick this off again in 2025 as evidence for the MHCLG for the Summer Public Consultation. We need evidence of private parking t&cs signs. If you take photos yourself, please show them as a screenshot to show the date a photo…
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County court claim for overstaying parking by 13 minutes
Hi. With the help of the forum, I have recently successfully contested (well, they gave up in the end) a court claim for a major keying error charge. I'm now back again for more sage advice! I have now received a letter from HM Courts saying that DCB Legal on behalf of ECP is making a claim against me for refusing to pay a…
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Setting up Windows 11
So i've ordered a new laptop and i want to set it up using a local account.Seems microsoft is making this more difficult.First thing is turn off wifi so it wont pick up any network,Some videos on youtube suggest to open command using shift f10 to open command prompt and type in ms-cxh:localonly to bypass the microsoft…
