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Mortgage application with zero credit card balance
Hi Trying to find answers to the below Me and my partner have a AIP when applying I didn't declare credit card balance as it was at zero however that credit card is also not showing on my credit file when applying for the mortgage will this likely affect the mortgage process the AIP is with West brom the house we have had…
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UC and if you go over 16k?
Just wondering if your savings at some point during the assesment stage tip over the £16k limit for a coyple of days and then goes back under £16k where it usually is do you have to report it? What happens? In regards to UC?
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New Lease Car Problems
Hi all, First time post to get some advice on a nightmare I am having with a new lease car. On 8th July 2025, I took delivery a new Nissan Qashqai, which was arranged via Lex Autolease and brokered by Carparison. I genuinely loved the car and was delighted with it, until 22nd July when I was on my way home from work and…
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I'm after a printer that's cheap to run
Mostly use the printer for my sons school work and sometimes use colour print. So what printer would you suggest?
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Is a Fresh Credit Check Done Before Car Insurance Auto Renewal?
My car insurance is upfront or renewal soon - I always paid monthly (with no issues.) However, my credit score is not very good just now. Will they do a fresh credit check before auto renewal, even though they have had no problems with me? Thanks.
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help to buy mortgage buy out
My partner wants to buy me out of our mortgage as we have separated, however we have a help 2 buy mortgage. She wants me to pay off my share of the H2B equity loan even though she intends to stay in or rent the house out. I think this is unreasonable as she will still have the benefit of the H2B loan. Surely she should be…
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Dreaming of being Debt Free
Hi. Like many people, I've been lurking in and out of these rooms and the main website, dreaming of being debt free. I've been living in debt since I went to uni. To put that into perspective, almost half my life. Ive tried many times, and come close, sometimes a run of bad lucks set me back, children being born, or…
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Is Santander reneguing again on 'free business banking forever'?
A previous thread on this subject was closed about 10 years ago after Santander announced a U-turn in response to the outcry caused by their proposed charges for business bank accounts inherited from Abbey, who had promised free business banking forever. I have had a letter suggesting they are trying again, this time by…
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Barclaycard Rewards and Overseas
Hi, Just received my Barclaycard Rewards card based on the recommendations on this website: - No fees on spending or ATM withdrawals overseas - No interest on cash withdrawals if paid IN FULL - 0.25% cashback on most spending I'm trying to get my head around what I'll be charged if I use it abroad and I will be settling…
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VAT extra add on
Hi Does anyone know if it is ok to advertise a broadband package at a set price but not including VAT witch is then added on as an extra to the bill? So I thought I was signing up for a basic broadband deal of £19.99 but when I checked my bill there was an added VAT charge. Should this not have been included in the…
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Usual AA renewal palaver.. :(
Been with the AA for as long as I care to remember. Every year (except one!), we get the usual overpriced renewal. There then follows the usual phone call, haggle and eventual price drop. However this year I simply can't seem to contact them. Their "chat bot" just drops me off with "one of our advisors we be with you…
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Shared Ownership SDLT - contradicting answers
I am moving into a new build shared ownership property in London, practical completion should be in September. The problem is I keep being given contradictory answers and its having an impact on my ability to set budgets / funds aside! Key facts: * Open Market Value: £530,000 * Share being purchased: 10% (£53,000) * Rent:…
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General questions and worries for bankruptcy..
Hi there, I'll be going bankrupt later this month after discussions with Business debtline etc, but I won't lie - I'm absolutely terrified of going bankrupt and what's to come with it to the point I am crying 24/7, on meds to try and help, not eating so I've lost over 3 stone in a couple of months.. I've spent months upon…
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The Walking Dead: Deaf City on NowTV problem
Is anyone else having a problem trying to watch S2 E1 of the Walking Dead: Dead City on Now TV? I keep getting an error saying that I need to upgrade my package but I have the full entertainment package and what's strange is that I'm able to watch episodes 2 onwards.
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2nd home in cash, mortgage remains on primary residence. What are the implications?
Good morning! I am in the UK. I own my primary residence with a mortgage of £100,000. I plan to buy a second home in cash, with no mortgage. When my 5 year fixed rate mortgage deal ends on my primary residence, am I forced to get a 'second home' mortgage for it because I have 2 houses, or I can keep getting a 'normal'…
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Complaints against the GB Bank!!!!
I recently came across the GB Bank, while looking for a better interest rate for two fixed rate bonds that are maturing soon! My experience has been excruciating, and finding out how they discriminate against foreigners like me very demeaning, therefore I would like to know if others have had the same experiences and how…
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Missing building regulations certificate for extensio
Hi all I am hoping to find advice from someone who might havr lived the same experience as me. We bought a house and during the documents check to exchange contracts, our solicitor asked for documents proving that the extension was built with building regulations. However in the replies the sellers didn't provide this…
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A new chapter, An empty nest, Drama school & Last year of Uni
I've been on these boards for many years and a long time ago did start a diary when we'd had a windfall and cleared some debt and I'm not sure what happened but 'life' got in the way. Today starts a new chapter of my life as my youngest has just left home (albeit temporarily) for her to access a drama course in a different…
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Removing long hair from carpet
Sorry if this is not the right section to post but does anyone have recommendations for how I can pick up long hair from short pile carpet? My hoover, which is a Miele hoover that is for pets, is very powerful but it still can't pick up my long hair from the carpet. I have to pick it up with my fingers and wonder if there…
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octopus new tariff july v1
a new tariff has appeared on octopus, still higher than what i took out in may with edf also no exit fees fixed till sept 26 so its still a no for me
