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Building safety act for an off plan new build?
Is it normal for solicitors to refuse to take on or apply high building safety act fees for a new build off plan purchase because it has a bit of cladding? Surely a new building should be compliant with today’s regulations. What I’m particularly worried about is will this make resale very difficult too?
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Energy cost breakdown
Why are energy providers not required to give a breakdown of factors affecting a price rise, especially whether it is due to usage which you can do something about or external factors which you can’t. My new direct debit from Octopus has gone up 50% but I don’t know why because they just say it could be due to x, y or z.…
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Advice on Trading 212
Hi all I am in need of some advise here, my 1 year fixed Isa matured today and I am told is in a very low interest holding account, I obviously don't want to leave it here, so looking on this website I have seen that Trading 212 currently is the leader of the interest rate market, seems great but is it, suffice to say, I…
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Variable rate
Hi all, as of October 2025 our mortgage will move from the fixed rate to variable rate as our house is on the market and we don’t wish to remortgage, we are just selling not buying another house after this one. As far as I understand the variable rate is whatever the Bank of England decides which is currently 4%. Our…
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Compers Survey 2025 Results.
I found this in my inbox this morning, I know I've participated in the survey before, can't remember if I did do this years one or not. The results are interesting and fun to read: https://superlucky.me/compers-survey-2025-revealing-the-habits-of-successful-winners/ Looks like our site has fallen in popularity :( This part…
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Royal Mail lost IHT forms - next steps?
Hey all. I posted IHT forms via Royal Mail Tracked. After over 2 weeks, they have not been marked delivered. The last tracking was that it was in "North Midlands MC" Despite being a tracked service, RM have been extremely dismissive and unhelpful - they don't know where it is and assume it is lost. HMRC have not received…
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Getting FIREd up 😀
After two years keeping calm and carrying on, now feels like the right time to move on and start getting FIREd up instead 😀 Summary of the last two years: Was working for a plc, decent money but putting in a lot of hours, very little support from the business and pretty fed up with always being sent out to do battle for…
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Newbie pensioner here
Hello. I have recently retired and currently receive a state pension and a small amount from a private pension. I will also be receiving (when they stop dragging their heels!) a LG employers pension (worked in a school for 29 years). I have been on the Government website to ask about tax payments I should have to make but…
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Parking Code evidence - your images of private parking signs are needed please!
This thread started life as a discussion about the DLUHC's Call for Evidence but EDITED 2025: Let's kick this off again in 2025 as evidence for the MHCLG for the Summer Public Consultation. We need evidence of private parking t&cs signs. If you take photos yourself, please show them as a screenshot to show the date a photo…
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Setting up Windows 11
So i've ordered a new laptop and i want to set it up using a local account.Seems microsoft is making this more difficult.First thing is turn off wifi so it wont pick up any network,Some videos on youtube suggest to open command using shift f10 to open command prompt and type in ms-cxh:localonly to bypass the microsoft…
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How much to live on
How much do you expect you will require to live on each month when you are retired? ie no mortgage, no commute to work BUT maybe higher heating, hobby costs. I'm getting to the stage where I'm realising that I don't need to be super rich to retire and will only really require living costs but I don't know how much I should…
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VW start button not working properly - is this covered by VW all in plan?
Hi, I have a 2019 Tiguan which I bought last year. I also took out the VW all in plan which also covers repairs that are not wear and tear. I’ve never had to claim on it but for months now the start engine button hasn’t worked properly. I have to press it multiple times to start/shut off the engine. I’ve got the car booked…
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Onwards and the debt goes downwards!
Hi All Old diary is here https://forums.moneysavingexpert.com/discussion/1000559 I can't do the posh linky things. Things are all changing in the Lucielle household. DS1 arrived back from New Zealand and has moved out to start his new job. Spent most of last week building flat pack furniture from the well known store. DD1…
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Mortgage free in 4 years
Hi All, I have been reading these diaries for a while, I never really post anything, but it helps keep me to my journey as nobody in real life seems to be on the same path. When I tell people I am overpaying my mortgage they ask why? lol I took this mortgage in 2016 (£310k) and the interest just got lower and lower over…
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Santander Edge Saver Renewal
My Edge Saver is approaching its 12 month 'maturity' so I asked Santander if I could close it and open a new Edge Saver to retain the initial 12 month bonus rate. They confirmed that this is possible. This seems a little odd, as I had assumed the bonus would only apply to new customers.
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Cleaning mould from bath mats
Hi folks, We have bought a few long bath mats for bath but find that they soon turn black in a bad way with mould after four or five months of use. We threw the first one out and used a liquid called HG mould spray which was quite good on second, but the mat is really bad again, any point in try to machine wash it with…
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Probate - super efficient 2025
For anyone wondering how long this can take - this is my experience :smile: 13 Aug online probate application submitted 14 Aug documents sent in post 21 Aug official notification of documents recd 24 Aug Probate granted Just 11 days !
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I Went Into The Range Today .......
...... and ........ IT'S CHRIIIIIISTMAAAAAS
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Best way to keep pigeons at bay?
They land on a roof terrace, and poo extraordinary amounts. And then they stare at you sideways, which is highly disconcerting. I've been told. Ideas for scaring them off? I've suggested one of these PIR water sprayers, https://www.amazon.co.uk/Big-Cheese-Protector-Predators-Connection/dp/B01DACLHT2 but wonder if it'll…
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Smart Parking / Debt Recovery Plus | £170 fine with no notice?
Hello, Sorry about openining a new post, but I just want to be sure I'm not risking my credit score / ability to purchase a home in the near future! I received my first letter from DRP in early June demanding £170. I did not receive any prior letters about the PCN so I did not have the opportunity to pay the fine at £60…
