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Outfox not following price cap changes April 1st
Boo!!!! https://help.outfox.energy/hc/en-gb/articles/26061241119516-Important-Information-About-the-April-2026-Price-Change If you’re on a fixed tariff, your prices (unit rates and standing charges) will stay the same until your contract ends. Your total bill will still depend on how much energy you use. If you’re on a…
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Is money transferred from a Help to Buy ISA to Lifetime ISA considered part of the annual ISA limit?
Within this current tax year, I want to transfer from a Help to Buy ISA to an existing LISA. I have made no contributions to either the Help to Buy or the LISA in this tax year; however, I have contributed £20,000 into a separate cash ISA. I am being told by the building society that I have my LISA with, that I can't do…
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From debt to freedom...
For a couple of months I have been lurking and reading diaries which have been helpful and inspiring. I thought that I would start a diary to keep myself focussed on getting rid of the debts. I am a working mum, recently separated from my husband. I have a large family which makes for an interesting and busy life! I have…
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Home Insurance - rebuild costs over a million - finding it hard to get decent quotes
Our home's current market value is £450k, the home report from three years ago estimates the rebuild cost at £1.3 million. The calculator on the ABI (Association of British Insurers) website seems to confirm that figure is about right. The issue I’m facing is that it’s incredibly difficult to get home insurance at a…
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Local court selection for Directions Questionnaire
Hi, All, I received a notice of proposed allocation to the small claims track in the civil national business centre and the claimant is Met Parking services Ltd. It was because I parked at PizzaHut at Lombardy Retail Park, Hillingdon in Nov 2024. I just moved to this area and didn't realised the car park at PizzaHut was…
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Transferring an ISA from HL
Thinking of moving an ISA from HL to Ii where I already have ,what used to be, a single company SHARE ISA. This ISA is now going to cost me £14.99 pm The HL ISA contains shares and funds ,some of the funds are HL's own. Am I right in assuming that these will have to be sold and then cash transferred ? If so, I'll have to…
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Cancelled insurance due to SORN
Hi - my son's car insurance on his original car was cancelled by the insurer because it was off road and declared SORN but now he can't get insurance on his new car. Does anyone know how we go about getting this cancellation expunged from his history as it is unfair to penalise him for something he couldn't control, not…
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Toyota Financial Services
Hi, I bought a used Toyota IQ on finance from a main dealer in 2011. I part exchanged the car in 2013. I do not have any remaining paperwork from the finance agreement or the policy number. I sent a MSE template complaint to Toyota in March 2024. I have provided my ID etc, copies of my bank statements showing a payment to…
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Student loan will never be paid
I took out a student loan in the 1999/2000 academic year, of £6865. 26 years later, the outstanding loan is £5500. So, in nearly 26 years, I have paid off £1365. How can this be possible?! OK, I'm not a high tax earner but I earn a reasonable amount and I have been paying around £50 per month for about 10 years of that…
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Mounjaro Website
Apologies if this isn't appropriate for this forum. My GP has currently prescribed me mounjaro for Type 2 diabetes, but has said the prescription will finish once the diabetes is under control, so I'm thinking of buying it privately to try and keep the weight loss going. On a Radio 4 podcast someone suggested using…
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Septic tank (shared) upgrade - what would you do?
Hi all, I have belatedly learnt about septic tank regs - I should have known about them when I bought my house in 2021, but my solicitor didn’t flag up any potentially illegal water discharge (my survey did suggest a septic tank specialist survey, which I didn’t do, silly me!). I am surprised by this, as I thought that’s…
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dashcam recommend
am looking to buy my first dashcam. Don't wish to shop halfords, bad experience are they easy to fit (considering i struggle with DIY)? Any guide on brands, budget price but reliable, no bells and whistles please
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I have received CLAIM FORM for Charge Notice at Bristol Leigh Woods
Hi money saving expert. I am here as I have received CLAIM FORM for Charge Notice at Bristol Leigh Woods from Civil National Business Centre". Whilst looking for help and trying not to panic I read a thread on here that had a positive outcome to a claim at the same place with a similar letter. Please note I have already…
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Chillblast laptops not fit for purpose?
I purchased a Chillblast Phantom Laptop for £2100 in August 2022 with a 5 year warranty. The first 2 years included collection, parts and labour, the final 3 years are labour only. After 21 months, in May 2024, my laptop black screened and I sent it back – I was told it was the motherboard and that the laptop was…
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Middle East Air Tickets - Credit Card cancellation
Hi, I couldn't find an answer to this specifically in the (very helpful) ME War FAQ. Firstly, I appreciate there's a horrific war on and nobody knows when it will end and all of this is small beans next to what's happening. That said… My first world holiday problem is probably shared by many- due to fly in 4 weeks via the…
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Benefit advice for someone who came off due to inheritance/savings
I came off ESA support group (long term sickness) at an annoying time when they were about to transfer me to UC (created an account and everything) But I found out I was to receive some the inheritance money the month after, that would take me over saving limit so had no choice but to cancel my ESA and obviously the UC…
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Buildings insurance cover for flooding
My buildings insurance cover seems to exclude cover for flooding if the source is a leak from a pipe in the street. It hasn't happened yet but I wondered if this is normal for buildings insurance. If it does happen, could I expect the water company whose pipe has leaked to cover the cost of the flooding or would I be left…
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Any landlords who will have to do the quarterly tax return?
Anyone falling into this category of having to do the quarterly tax return from next month? I understand that if your self employment and rental income together exceed 50k, you need to do the quarterly return. Anyone falling into this category and do your own tax returns?
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Declaration of trust to prove beneficial ownership of a property for tax purposes
I solely own a property and would like my civil partner to receive 50% of the rental income. I understand the following:- A declaration of trust is a legally binding document that defines the beneficial ownership of a property, separating it from the legal title registered at HM Land Registry It formally states who owns…
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First time buyer
My FIL is selling his house for 185k he has a few offers, some are from first time buyers. Most of the offers are putting down 5% deposit. This to me sounds low as I am used to people putting down the standard 10% these days. Is 5% deposit a bit too low do you think and we are better off choosing the ones that are putting…
