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iweb's new T&Cs
Just had an email from them stating the above. Well first off (as we learnt before in an earlier post). This is not a contract and I have not agreed to it so defently no contract hear But what they are saying is • IWeb Share Dealing will become Scottish Widows Share Dealing on 18 October. • You’ll be able to invest…
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taking responsibilty to get me where I want to be
Good morning MSE'ers I have been reading diaries for the last few months and have found peoples stories so inspiring that I am hoping for some company on my own journey , this will be my own log which hopefully will motivate me at times of bleakness so I can look back on any progress I have made My sitituation is quite…
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5 OS pleasures in your day today - part 3
Ok I'm diving in as I've noticed several of us have lost posts we thought had posted, and there now seems to be a serious risk of losing the whole thread. So thanks for the heads up Karcher. (and i sympathise Frith - i too like to nip back) I've revisited the first thread of our part 2, posted 28th October 2009. It said:…
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Blue badge face to face assessment
Hi all I am freaking out here. I had a phone call (Which i used my phone text translation service to communicate due to hearing issues) to say I have an assessment face to face for my blue badge application. I applied back in august because of my knee issues and other health issues which at the time i was being…
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One for the ladies
I’m in a long term relationship and feel we are long overdue getting engaged. We’ve always wanted to travel to Iceland to see Northern lights where I had planned on proposing. Over the past year I’ve been saving to buy an engagement ring and now have enough for either the trip to Iceland or the engagement ring. Due to kids…
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Let's get this sorted then!
Hey everyone, I went back to uni just before I turned 40, so have quite a lot of debt from that, and from generally trying to live whilst working and studying. I tackled a bit before the end of 2024, but that was mostly getting on top of things, doing some 0% balance transfers, and I paid of two small debts of about £250…
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Replacement to ix35 for £11k
Hi, our Hyundai ix35 is coming to the end of its life and we need to invest in a new family car. I have around £11k. what would a reliable, suv type car look like? Which model and typically what mileage should I be looking at? thanks in advance for any advice.
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Richer Sounds not honouring warranty
Hi, Just looking for some advice, I purchased a 77" S90c from Richer sounds just under 2 years ago for £2799 although discounted by 10%, I also have the 6 year warranty, recently i have been having some issues with the tv. Firstly the brightness keeps changing on the tv, I initally thought this was a power saving/ambient…
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Has anyone managed to negotiate their redundancy package?
I'm currently going through redundancy. I found out I was at risk on Wednesday, and by the 17th, my role will be gone. What's bothering me is that I feel singled out I'm the only one in the team affected. They're offering two weeks' pay for every year worked, but I believe one month's pay per year would be fairer,…
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Concrete outside walls - paint?
Hi all I have various concrete walls outside - all concrete blocks and rendered with plain concrete, they look in good condition. I'd like to paint them so they're not quite so oppressively grey, but I'm having a hard time finding suitable paint - searches bring me driveway paint or extremely expensive outdoor-suitable but…
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Faulty MacBook Pro
Hello All, I am completely new to this. Would love some help with this issue please. Purchased a MacBook Pro November 2022 costing £1195. It is now out of warranty. In August this year the MacBook will not switch on. There is not a single mark, scratch or dent on the product. Went to an Apple Store they did a diagnostic…
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Frugaling my way to FIRE
Hi all I have always spent most of my time on the DFW boards as have spent the majority of my adult life in debt (thanks to a 1990s education that didn't talk about money, parents who weren't well off but hid it very well and being given loads of credit cards when I started university with no education about what that…
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Totally stuck house sale
We are selling our house and buying another. No chain either side. We are ready to exchange on our purchase but the sale is totally stuck. The buyers solicitors have said they have not had satisfactory responses to questions but refuse to clarify which responses they are not happy with. Our solicitors say they have…
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Frosty the Snowman - it's the 2025 Christmas thread!
Hello and welcome to the 2025 Christmas chatter thread! Better late than never I say! If you're new to the thread please pop in for a natter, pull up a chair by the fire and get yourself a hot chocolate - we all love Christmas but are also here to chat about anything else going on in our lives and offering each other…
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When is best to apply for a cashback credit card
Hi all, I currently have 3 credit cards ( a balance transfer card and 2 other normal cards) which are paid off in full every month. My credit score has incredibly significantly compared to what it was and I'm.now at the point where I'm thinking of getting a cashback credit card but didn't want all these cards active so I…
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Booking. com Holiday accomodation and host issues with a twist
My situation is as follows My Holiday Accomodation in Portugal was booked via Booking.com in good faith and paid for in advance, arrangements were made for a late arrival between 2359 - 0100. This was due to the flight arrival time and also factoring in the collection of hire car and then driving the journey to the…
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Fresh Diary for 2025!
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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Return on 80k - private pension -
Hi Took some tax free - 25% from a private pension Haven't taken a penny more I dont contribute to this pension Here is the breakdown since
£75044 - Fund value on 26 September 23 £72211- 26 Oct 23 £76886 - Nov 23 £86,616.01 Sept 24 84930 oct 24 £81,655.54 January 25 £80,454.48 April 5th 25 £78,725 April 25 £80909 May 25…
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Unfair Resident Parking Permit PCN Advice
Hi, I have spent some time reading the Newbies Thread and searched the forum but I would just like some advice. Please advise whether my thought process is correct as I don't want to get
this wrong. My scenario (brief): * I have a private parking bay at my residence, but in June I received a windscreen PCN for 'not…
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Letter before claim
Hi all, I have received a PCN for not parking exactly in the middle of the parking bay at my own residence's car park. There is not even a proper marking on the car park and at night, the small 2 marks on the floor is barely visible. I have appealed the PCN unsuccessfully and then ignored the letters from debts recovery…
