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Looking for an online-only pension
I'm really tired of dealing with my pension company over the phone, as it costs a bomb, takes for ever, has no paper trail and is horribly inefficient (the last thing I did with them took 3 months to sort out, for example). Does anyone know of any online-only providers I can move to? In the genre of Starling/Monzo banks,…
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Reading as a cheap hobby
Reading needn't cost anything if you live within walking distance of a library or get a free bus pass. Libraries often put on free activities for children, too. If you're lucky, your local library will be warm and have some cosy armchairs. Some libraries will allow laptops so that students can work on projects and…
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No registration
Hi all, I received a PCN for “non payment”. I paid and put my registration number in but the card payment was declined and I paid by coin. I reasonably imo expected this to be all part of the same transaction however the parking company say that it wasn’t and as I didn’t re-enter my reg details, they have no record of my…
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Standing charges
These standing charges have skyrocketed over the last few years. It needs to be more transparent what we are paying for.Also I have solar panels and am I correct in thinking that I pay a standing charge for electricity from the grid to be available to use, however the grid can get electricity from me when I have too much…
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Next and Fatface failing to refund money for returned purchases
I've recently had 3 separate experiences of purchasing at Next and Fatface (same company). I've returned the items and received an email from them saying they received the return and the money will be refunded in 3-5 days. When I check my credit card statement, Next and Fatface have only refunded some of the items. I've…
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British Gas Consumer Rights - Is this worth a claim?!
Hey all, wondering if anyone can give me a little advice - I have absolutely no legal experience, but am considering making a claim against British Gas due to my experiences with them ove the last 9 months. I'll try to explain my situation simply and chronologically; In Jan of this year, I contacted BG to ask for a refund…
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Capital Gains Tax on Sale - reporting how to
Hi all, I've recently sold a buy to let property and need to do
CGT return. Looking for some advice on this pls if someone can help? I don't have an accountant. It's
always been a buy to let, so no residency periods to claim etc. I think I need to submit the return and make the tax payment
within 60 days of completion of…
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Drawdown strategy - tax, savings interest and student finance
So I have come up with a plan based on the following constraints: Personal allowance: 12570 - assumed to be fully utilised by state pension post SPA Savings allowance: 1000 and 5000 (reducing 1 for 1 with taxable income over personal allowance) Unearned income max pension contribution: 3600 - reduces income for student…
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APCOA parking charge - Manchester Airport
I just received a letter from APCOA regarding use of pick up/drop off zone without making a valid payment. CONTRAVENTION DETAILS Notice is hereby given to the Registered Keeper of vehicle registration mark: XXXXXXX Use of Pick Up / Drop Off Zone For the alleged contravention of: without making a valid p payment At:…
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When will this price hike take effect?
https://news.sky.com/story/money-latest-consumer-personal-finance-sky-news-13040934?postid=9954255#liveblog-body
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Eggshell paint?
I prefer to use Satinwood or Silk paint instead of gloss for interior woodwork. Looking around I am wondering what is the difference between using these paints or using "Eggshell"? Is Eggshell less shiny or not for use as a top coat etc.
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Very Small Energy Debt Unsure Of Next Steps
I posted this a while ago in the Energy thread (re-edited) but wanted some advice here if anybody can. I feel a bit guilty as the debt is very very small but money is very tight and a debt is still a debt.Brief backgroundMoved into HA flat (Scotland) late June 2023 - Rebel Energy were the deemed supplier and quickly gave…
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EON FIT Tariff for Solar Panel Generation
I currently have solar panels and have always been on the EON Feed In Tariff, getting paid quarterly for the electricity I generate to the grid. Recently I was asked - as usual - to provide my meter reading so they could make the payment, but when I came to the meter it was completely blank! I let EON know and they said I…
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MAN Airport - appealed before reading recommended APCOA text
Trying to type this without sharing personal information. Dropped off luggage and family in barrierless zone at Manchester, then parked elsewhere. Tried to pay but couldn't before flight time. By the time internet access was available the requisite 24 hours had passed. I appealed based on this information, although neither…
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NHBC using 'exclusions' paragraph on leaking shower claim... would be grateful for advice!
Hi, I recently submitted a claim for a leaking shower - a plumber I got round to quote took an area of tiles out and showed that they had been stuck straight on to plasterboard. He said that grout is not waterproof, only water resistant, and therefore the shower would inevitably leak. He was actually quite angry about the…
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New Postage Costs - Ebay
Hi All, How does the new postage arrangements works? Most things that I send used to cost around £3.69, however, that option is no longer available. Thanks in advance
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O/S Daily Thursday 31 July 2025
Morning all.
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Remortgaging (very) early in first term
Due to an potential forthcoming change in circumstances, I'm thinking that we might remortgage our 5 year fix with 26 months to go, (20 months if you consider I'd usually have start the remortgage 6 months early). I want to lock in a 10 year fix from now, which gives me a very long runway. Potential early repayment fees…
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Breakup in relationship- how to sell house in joint mortgage?
Son and girlfriend bought a house with a joint mortgage. Only he lives in it. She plans to move in after marriage. The relationship has broken down. He wish to sell the property and move back home. This final decision was made today. Was wondering if anyone can give any advice? He plans to contact the mortgage people to…
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Adverse possession, house inherited, “squatter” deceased
Father-in-law has died and left his unregistered house to my wife and her brother. When applying for first registration they found there was no plan attached to the conveyance when he bought the house in 1984. The conveyance for the sale to the previous owner, in 1971, used a plan which did not include a small, irregularly…
