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our forever patch challenge
well, this week sees the new start to my mortgage free plans. After 18 months clearing debts, then paying for our wedding, which took most of our hard earned savings, we are at the beginning again. Due to restructure at work, OH is on a reduced monthly pay, so the savings are even more of a challenge! Our plan is over the…
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Grant of Confirmation
Hi, I’m trying to fill in the form for Grant of Confirmation for my dad’s estate (C1). I’m trying to do this on my own without a solicitor. I think I understand the main issues, it should be such a simple situation, but what exactly to put on the form is driving me crazy :mad:. Would be grateful if anyone could help.…
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Running Octopus Compare on a computer
This discussion was created from comments split from: new octopus 14mth fix.
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Is it OVO or OhNo Kathryn Porter on ONO
Not read it yet, not totally awake yet but got this in email this a.m. https://watt-logic.com/2026/02/04/ovo-energy-looking-shaky/ Last time she went over Octopus , now OVO
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Smart meter billing errors - is this likely to be a widespread issue
I'm responsible for a remote house (electricity only) that had a forced SMETS2 meter installed to cope with the RTS retirement. After a couple of months, the steady bills, which were just for night storage heaters, leapt. Much trouble later, and the supplier (EON) claimed that a power failure had 'broken' the meter so that…
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NHS VR
If you take Voluntary redundancy from the NHS can you go and work as a bank staff memeber one week later? Is there a clawback clause?
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Three years to get debt free
Morning, I have had a diary on here before but had to close it down. I am a single mum with an 8 year old DD. I have found myself in debt since the age of 18 when I went to university and have been in it ever since. I decided to change this in 2017 and then found myself a single parent in 2018 and having to attain more…
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Phasing out of Scottish banknotes in Scotland
There seems to be a new thing in Scotland now since end if last year where the cash machines only issue Bank of England notes now. I can’t see anything online about it. Have they now finished and we are moving to just one type of note?
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Deffered benefit pension scheme Fluctuations in growth
I have a deferred defined benefit scheme (final salary) which I have been receiving annual retirement quotations from on retirement income. So that I can plan my retirement accordingly. I have noticed that over the past 8 years, the value of my 25% tax free lump sum plus income, and 100% income option has gone up and down…
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Is there a list of who creditors sell debt to
Is there a generic list of which lenders sell their debt on and to whom? And which creditors use ‘in house’ collections? Which lender is likely to go for CCJ (or decree in Scotland) I’ve tried reading back through some threads (the search function on here is hopeless - or maybe it’s just me!) I’ve accounts with; Natwest…
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Economy 10 - EDF
EDF have almost doubled their off peak rates for Economy 10 from 1st Jan from 8.57p per kwh to 16.67p. Admittedly it seems that 8.57p was a very low price, but this is still a massive increase. As we have storage heaters the vast majority of our electricity use during winter is off-peak, which means that our annual bill is…
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Potential to buy a share of Freehold in 2 flat property?
If one has a leasehold flat in a block of 2, where the freehold is owned by a housing association - with the other flat being rented out, are there any rights to get part ownership of the freehold? My understanding is not, but I don't know if changes might be in the pipeline. The interest is because we'd like to make some…
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Notifcations
I log in , Im told, 10, 20, 30, whatever new post to a thread Im on, I click and it takes me back 5 or 6 pages, posts Ive read and replied to Ive clicked on " mark all as read" its still happening
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Another UKCPS No stopping charge at Leeds station - they even missed the 14 day PofA timescales
Evening all, Another victim of a UKCPS No stopping charge at Leeds station here. I've submitted my appeal, which felt strong given that the notice landed outside of the PofA timescales. Timeline copied from my appeal below:The alleged event occurred on 27 August 2025. The NTK was dated 9 September 2025 (day 13). The…
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Received a Civil National Business Centre Claim form
Hi, I received a parking ticket from dcbl whilst I was at a charging at a Tesla bay. Apparently I was meant to ‘sign in’ in the hotel. Parking charge was for £170.00, which I disputed in an email with the following: Dear DCBL, I am writing regarding the above parking charge. I dispute this alleged debt. I was using the EV…
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Compers Challenge 2026
Hope everyone is okay with me posting this, @lucinad usually is in charge of the challenge but they have been offline for some time now (really hope they are okay, and are just taking a break!). ALL credit for this fun challenge goes to Lucinad 2026 league January 🥇1st. 🥇 🥈2nd. 🥈 🥉3rd. 🥉 Booby prize (lowest value prize) 💩💩…
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Can someone recommend a 5G router
I'm having problems finding a network that works at home and at my place of work so I'm thinking of buying a separate sim card for at home so can someone recommend a 5g router. I'm thinking of buying the TP-Link Archer NX500 but is this worth £220.
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APCOA Parking PCN - Guildford Station Long Stay
Hi all, I've been reading lots of posts on this forum for the past few months, for personal interest, and now becuase a family member has a PCN... Basically I'm starting to doubt my self wether the wording of the appeal below was actually correct... My understanding at the time was the land the car was parked on is railway…
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Onestream increasing tech support charge
I’ve been with Onestream less than a month but would like to return to Plusnet as I can now get full fibre and the Plusnet package offers far more for less cost, and will probably be a better service. Onestream have sent notice that they’re increasing their tech support charge; is that grounds to avoid early termination…
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Liverpool Airport Parking
Travelling from Liverpool to Fuerteventura for 8 days in May. I always park next to the airport with cheap parking/park smart. But over the last couple of years the costs have soared. It's around £100 no matter what discount code I use. I'm coming back at 2am so don't want to be parking on someone's drive in the area and i…
