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PIP assessment
Hi some of you may remember I applies for PIP a couple of years ago and ended up going to Tribunal, where I only got 4 points awarded for mobility. I had already been turned down for LCWRA too. I have had Long Covid for over 3 years and struggle with fatigue and walking, amongst a list of other things. I manage to work for…
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Ebay so called Simple Delivery and Buyer Protection. Double Jeopardy?
Being a long standing seller on ebay I have seen a lot of changes over the years, some for the better but more recently the majority for the worse. Despite reassurances that all existing listings the postage prices will stay the same until sold I have noticed that a lot have automatically switched over to so called simple…
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Remortgaging: 2, 3, or 5 years fixed?
Dear All, We bought our house 10 years ago and so far had two 5-year fixed-term mortgages (first home, so no other mortgage experiences). We are now due to remortgage, and I met our mortgage broker today. We have pretty similar offers: 1. 5 year fixed at 3.89% for £1315 per month with Nationwide. But we are currently with…
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Samsung Galaxy A20e with Tesco Pay as you Go.
I.ve had several Messages recently cover changing my Tariff and the 3G turn off shortly. I was lost with these so went to Tesco Phone shop in my local Tesco. Was told it was a name change for Pay as you GO and I had £17 credit, but I didn't need to do anything. As regards the 3G when it goes off my phone would not work as…
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MSE Forum Poll: Is it too early for the festive meal deals?
For some meal deal fans, it's the best time of the year! The usual offerings are being replaced with this year's selection of creative Christmas alternatives. Christmas dinner sandwiches, pulled pork wraps, brie and cranberry baguettes and sides of pigs in blankets in pastry. There's weird combinations and old favourites…
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Interest from bonds within a general investment account
I thought all UK financial institutions reported "interest" to HMRC but it looks like interest from bonds within a General Investment Account is not reported. Can anyone confirm this? I think I may need to make HMRC aware of this extra interest that hasn't been paid for several years. I think HMRC may be more lenient if I…
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Making a full & final settlement offer
I am currently in a DMP that will take 14 years to complete. A friend will give me money to make a full & final settlement offer. Should I make the offer through my DMP provider or go to the individual creditors myself?
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A2A heat pump: split or monobloc?
I have been looking to install an air-to-air heat pump as a heater for a workshop room at the back of our (detached) garage. I need about 12000 BTU and Appliances Direct sell split systems for about £600. But most of these require an f-gas certified installer and the few that don't presumably still need someone with…
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Finally a default!
Hi, we stopped paying credit cards in June as our debt reached 75k and was out of control. We have been waiting for accounts to default while managing our budget and building some emergency fund, albeit not as much as planned due to essential repairs. We had a text message today from Wescot saying they've taken over my…
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Contacting Sky to renew or cancel contract
Hi, My TV/BB contract ends this month, and the renewal offer is a lot more than I pay now but I cannot get through to Sky to haggle a better deal (or perhaps cancel). They say all their lines are closed for essential staff training. I'll keep trying over the next few days but if I cannot get through what is the legal…
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Leasehold conditions have changed after sale agreed and costs incurred - is there any recourse?
An agent advertised a leasehold apartment sale with a "We have been informed that holiday lets, pets and residential lets are permitted" - this was part of the reason a higher sale price was agreed in negotiations We then incurred fees for surveys and searches as we started the conveyancing process Our solicitors haven't…
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Delays to handover from Capita to Tata of Teachers Pensions
Retired member in Aug 2022, TP have until end of September to raise the affected members' RSS statements. However, a front of house call handler told me this week that there are delays to the handover from Capita to Tata. Does this mean there will be more delays to statements and payments? Does anyone know anything about…
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The Piano Diary
Good morning diary and all, I recently became debt free after 31 months of debtbusting over on Debt Free Wannabe, following the advice and diaries on this site. Here is my previous diary My debt free diary I have found keeping a diary really helpful in staying focused and also therapeutic being able to think things through…
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With Profit Annuities
I was thinking of crystallising the funds I have in excess of LTA and using these proceeds to buy a with profits annuity. Amount is circa £150k after £50k LTA charge. I am struggling to find a list of providers for this somewhat niche product - I can only seem to find Prudential as a provider. Are there any others? How…
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Your Bangernomics successes
Hello my fellow cheapskates. After spending nearly three years running a car for as cheap as possible, mainly as I ran it throughout all but he darkest depths of winter on WVO/UVO (waste or used vegetable oil), in a Vauxhall Astra I have had to say good bye to the old girl as it is no longer economical to repair to get it…
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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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UC Review - Advice Needed
Can anyone give me some advice. I am at my wits end here. We have no Citizens advice in my town. 9 October 10.45am Statements requested 9 October 11.24am Statements provided 10 October 9.59am Refused to accept pdfs despite these being what they asked for. Requested photos of paper copies. 10 October I ask if I can take…
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Query with freehold service charge
I currently own 50% of my house but am stair-casing and selling as 100% and therefore freehold. I pay £96 a month service charge for items such as ground maintenance, block maintenance, a reserve fund, fire, audit, management fees and health and safety. The service charge has gone from £20 a month to £96 a month in 3 years…
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Anyone owed money from Empathy Funeral plan?
I am desperately trying to find out where my money has gone after Empathy Funeral plan went into administration. O'Haras LTD took over the insolvency, now I cant get hold of them. Jeremy Bennett is who I assume was the Director of O'Haras. I wont say too much about him but looks like theres problems with him.
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Downgrade of hotel
Wondering what peoples opinions are:- Received email from company stating hotel we have booked has been changed from a Platinum category to a Sun category. email states all facilities still the same - however it states we have access to 7 restaurants - when we booked it was 11 restaurants. Went to online chat with company.…
