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Starlink UK Introduce £35 Month 100Mbps Satellite Broadband Plan
Report on the ISPreview website. Makes this a far more attractive offering where conventional broadband connections are problematic or even as an everyday solution? https://www.ispreview.co.uk/index.php/2026/01/starlink-uk-introduce-cheap-35-100mbps-leo-satellite-broadband-plan.html I had no idea that Starlink had 9,500…
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Unacceptable Probate delays - not fit for purpose
I just thought that I would share my experience of obtaining probate and see if anyone else on the forum has had similar issue's. My brother passed away in December 2023 and as a named executor on his will, I applied for probate online in January 2024. I received a confirmation e-mail of my application and on my account it…
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Fraisthorpe beach car park landowner
My partner received a PCN for Fraisthorpe Beach car park. We were there at the time and date stated but I had paid for parking on the Connect Cashless app as the pay information directed. I have a parking receipt in the app. It shows the make, model and colour of the car but not the car reg. I can't remember whether I was…
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Business Mileage Claim?
Hello, my company provides me with a personal car allowance and also provides me with a fuel card for both business and personal use. The company doesn’t deduct any costs from me. I record my annual business mileage. The company deducts my business mileage from my total annual mileage and provides a P11D to HMRC for…
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Tilly Tidy with pennies in 2026
Welcome to this group, old and new members of making our pennies work harder in 2026. This is to challenge yourself of collecting what would be nothing to others yet for us they have a lot of important work to do. Even collecting dropped change off the floor counts towards Tilly Tidying. Does your bank offer to round-up…
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Clarification on interest treatment for partial early repayment on fixed-rate personal loan
I’m looking for clarification on how interest is treated on a UK fixed-rate personal loan when making a partial early repayment, as I’ve received mixed explanations and want to ensure I fully understand my position.Loan details (summary):* Lender: M&S Bank (Marks & Spencer Financial Services plc) * Loan amount: £13,000 *…
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Ground Source Heat Pumps - best tariff for 3 Phase supply
Hello, Ive had a Ground Source heat pump for over 15 years when we swapped from oil as it was getting very expensive. Sadly the Electricity bill is now approx £550 a month and Im doing everything I can to keep the bill down. I am with Octopus Energy and discussed with them today the possibility of a better rate because Im…
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Amazon debit card unknown transaction
My partner had a £20 debit transaction from Amazon a week ago. I have Amazon prime and use subscribe and save service and we have deliveries for 2/2/26. On my Amazon account there is only a credit card for her as her old debit card expired 18 months ago. The £20 transaction is for her current card. There is no order for…
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Aviva pension on death
[Text removed by Forum Team] I've just been into hospital for an operation where the odds of death are significant. Before going in I wanted to make sure they my dependents were taken care of, so I contact my various pension companies to make sure the details were up to date. None of them was. For some updating was easy…
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Affordability Complaints
No longer going down the route of step change, a das or trust deed. Going to manage my debt myself. So first things first, I’m considering making affordability complaints. When is best time to do this? Debts not defaulted yet. If debt is sold and affordability complaint upheld does the debt go back to the original lender?…
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Opinions on the new and 'improved' forum
I've just tried cutting and pasting details from an older comp into a new one, which is how I post most of my comps, and have found the formatting has gone all to pot. I'm now struggling figuring out how to correct it. It seems like whenever MSE make changes to the forum they **** it up. Sorry, but if this is the 'new…
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My first ever SOA - never had the courage to post it before.
Even though had lots of help in here before, I’ve Never done a SOA as bothered what people will say to me about where I’m going wrong and my head can’t take much more upset and stress. But here it is. 😔 It’s long but I’m letting it all out as no longer know what to do. Before I started a DMP I was married. We spilt up 2024…
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Optiwatt plug in energy saver
Hi, has anybody got any knowledge or experience of this item, (Optiwatt plug in energy saver) claiming to reduce electric bills? Thoughts please, tia
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Transferring name on house deeds following parent death
My mother died leaving me her house. I am the executor of the will (along with my husband) and sole beneficiary. probate has been done and granted, there is no mortgage or debts on the property and it is freehold, but now trying to work best and cheapest way to transfer deeds to my name. Can someone simplify what I need to…
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CGT calculation and retrospective valuations
Hi all, I'd appreciate some help with a forthcoming house sale. My family home is being sold shortly and there are complicated CGT questions I think I know the answer to, but would appreciate some guidance. The property was purchased in 1985 for £45,000. My parents owned the house as tenants in common with an equal half…
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Cheapest mortgage fixes drop to 3.5% – brokers answer if you should you lock in now or wait?
Major lenders including HSBC, Nationwide and Halifax have kicked off the new year by reducing rates on their fixed mortgage deals to as low as 3.5%. It's good news for the 1.8 million people with existing fixes due to end in 2026. But where will rates go from here – and should you fix your mortgage now or wait? Read the…
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eBay - fragile item arrived very poorly packed, unable to test - could I return?
I bought a used car fuel injector for ~£100 from a business seller on eBay. The item arrived wrapped in a carrier bag (not a mailing bag), loose inside an oversize box. It came through my letter box with a "thud" of the tip hitting the floor. To be fair, it looks fine - but it's a precision piece of equipment that…
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Interest on fixed rated bonds
I’ve just had issues with Nationwide and their handling of tax on my 3 year FRB. They credit the bond annually with the interest for that year, and tell HMRC that i have received this. However i can only access the money on maturity. I have put down the entire 3 year interest payments this tax year, and didn’t realise that…
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"Get a home insurance quote and we'll give you a £5 e-voucher" - Santander
I got an email from Santander saying "Get a home insurance quote and we'll give you a £5 e-voucher" so I thought easy £5. I got the quote which was well OTT but no mention yet of the £5 e-voucher. Anyone else do this?
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Possible Identity Theft
Hi I'm not sure if this is the right place for this. I received a letter today declining a Barclaycard which I didn't apply for. I called them but they could not find any record under my name or the reference My Experian report is not showing any recent searches but Equifax is showing a hard search from Barclaycard on 19…
