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Smartphone-carrying male accessory for when the weather is hot and only have hip pocket for phone
I recently lost my smartphone when out in shirt sleeves and only had a hip pocket to carry my Smartphone in. BTW, I found it eventually in a café I had visited about 30 minutes earlier. If I keep relying on a hip pocket or just holding my phone in my hand everywhere I go this summer, I will surely lose it again with…
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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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Three PAYG SIM no longer free?
Hi Am I correct in thinking the free three PAYG SIM is no longer a thing? Cheers
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Virgin Media retention deals (post your haggling successes)
Post any deals you've obtained when negotiating a new deal Post The package The price and discount The length of the contract
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Sky TV, Netflix+ sports for £35
We cancelled Sky q a year ago after years of membership. OH has sports via NOW TV and I just pay a basic netflix monthly PAYG I do miss the odd sky Atlantic programmes but we were managing with £32 a month total cost compared to over £60 we were paying originally for Sky Q The £35 /month deal actually seems a pretty good…
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Comparing electricity tariffs by unit rates rather than payment (Economy 7)
I have an electricity-only home and am on an Economy 7 tariff (i.e. Day and Night unit rates). I'm prepared to shop around to find the best tariff to be on. I understand you need to agree to a monthly Direct Debit amount (or quarterly, or whatever). But what I really want is to track down the tariff with the best night…
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Is this a scam or do I have to pay it back?
Benefit agency are asking me to pay this back allegedly. How do I check it's real? And why am I paying anything back? Shall I google the number then call? [Image redacted for personal information by Forum Team]
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Cheap Jigsaws
Is www.pdk.co.uk a trustworthy supplier ? ie) Has anybody got any experience of using them ?
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Can't get gmail on smartphone
Hi, I have a smartphone, but i only use it for photos. However, recently, companies are wanting "2 factor authentification" with a smartphone, so i have to do that....somehow i manage to do it by tapping around like an idiot but i dont know how. Anyway, a company has sent me a QR code and asked me to use it for…
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Anyone know the practical issues with a type AC outdoor socket?
I fitted one to power an electronic charger for a Phev. The socket is this fellow: https://www.bgelectrical.uk/uk/wiring-devices/weatherproof-decorative/13a-rcd-socket/WPL22RCD-01 but seemingly type AC models like this have been banned in certain countries as some electronic devices, emitting DC waveforms, can 'blind' it…
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Fiver Friday Challenge 2025
Hello all, I've previously taken part in the 365 1p challenge but due to a change in work circumstances I won't be able to participate in 2025. Instead I'm going to try Fiver Friday where I'll attempt to put away £5 every Friday into a savings account. Should mean I have £260 by the end of 2025. I couldn't see a thread…
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Car finance claim. Conflicting informaton
I sent my complaint back in July 2024 when Toyota advised, "we did pay a discretionary commission to the dealer". They have recently come back saying they will be in contact again in December and said, "We can tell you that (a) we paid a commission to the dealer for your introduction and (b) this commission was not a…
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DCA Car finance claim
We put a complaint forward when Martin had brought this first to light last year about the car finance and how we could see if we were owed anything. We have just had an email back from Black horse today to say that they have not found our agreement involved in a DCA, so they have not logged a complaint. Obviously we are…
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Best Sim-only Deals guide Discussion
This thread is specifically to discuss Best Sim-only Deals Click reply to discuss or ask a question about this article click reply
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Quick Query pls re: defaulting/not paying and contact with creditors
First post :) last month I reached a decision that action was needed over unsecured debts that have just become too much to manage. I scanned over the threads and have followed all advice and have stopped paying, had no contact with creditors and am waiting for default. I am wobbling a bit on the no contact with creditors…
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Citibank and processing of UK Pensions
Hi Everyone We live in France and each month our pensions are paid in £s from DWP to Citibank who convert to Euros and pay into our French bank account. Receipt of the triple lock bonus was gratefully received but ever since the initial May payment our pensions have been converted losing money each month. I know the…
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Student loan repayments Scotland
Does anyone understand student loan repayments, specifically for Plan 4- Scotland. I think I may be due a repayment for a few years ago and the year before that but student loan person says no. I am a bit of a unique position (surely i am not the only one) I had a PAYE job in 2021/22 and 2022/23 In both these years I…
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Nationwide £175 Switch on Joint account if already got bonus on Sole
Just looking at this - I am not eligible for any of the new switches as I did all of them in the last few years. Myself and hubby both switched into Nationwide 2 years ago (his was a full replacement of his current account, mine was just for the cash). We have our joint bills account with FD and I would like to keep that -…
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Looking for a global smaller companies fund
My pension has had about 10% of its value in a global smaller companies fund for various years. Specifically the abrdn Global Smaller Companies fund. I was happy enough with the fund at first but it has been quite lackluster for a few years. Looking at other similar funds is making me think that maybe it's time for a…
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SIPP - Benefits then work query
I have been putting £2880 into a SIPP while on Benefits (ESA and was partially moved to UC recently, now on a roughly 75/25 split with UC occupying the 25%). I am intending to go back to work and most likely will be on a wage where I don't qualify for UC anymore (nor ESA). Is the allowance additive when you start working…
