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Rent Arrears my daughter wasn’t aware of
We have been helping our daughter financially through university. In her final 2 years she shared a very small flat with her boyfriend in London. They were both named on the tenancy agreement. The rent was £1900 per month and because my daughter was a student, she was to pay £900 (with family help) and he was to pay the…
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Universal Credit - Self Employed
Just looking for a little clarity if someone can help. I am self-employed and claiming UC. I had my initial year start-up period which has now ended and the MIF has been applied. They work out my UC based on £1,642.72 - which means if I don't earn more than that I get nothing. Work is slow for a graphic designer so I don't…
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How long to default?
What I can see now many creditors don’t register default even after 8 or more missed payments! Why they don’t stick to guidance then? Why they delay it so long?
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Claim Form Received
Hello All, I have been through and followed the advice of the newbies thread until now reaching a point where I believe my own thread is warranted (hopefully!). I've just received a letter of claim and need some advice please.
The original PCN was sent to an old address and the only correspondence that's
reached my current…
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Should I contact Euro Car Parks?
Hello everyone, Just over two years ago I changed address. When I was doing that, I stopped at a Pizza Hut in a retail park with a 2hour limit. I could swear I didn’t stayed over, but today, at my new address I received a Notice of debt recovery from a debt collector company. I changed my address back then, but this could…
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Revolut insisting i get my passport renewed
Been using Revolut for just under a year or so now, I get on well with it and like their generous daily interest on my savings. However, suddenly got a email and app messages saying i need to re-submit my ID documents for "regulatory requirements" I thought no bother, got my valid photo card driving license handy. However…
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Light the fire...
Hi All :wave: After lurking for a few years and having been inspired by lots of the amazing stories on this board I have decided that its time to join in and post my (our) journey. I am a mum of two (DD is 8, DS is 3) and have been married to my lovely DH for 10 years. We moved into our current house 4 years ago. We paid…
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About to rent a flat how does it work, with housing benefit?
So lets say I get a visit and I accept the flat from the estate agent now what do I do? I have to message Universal Credit and ask for the housing benefit? So it will take them about 3 days to respond to my message. Do they pay the deposit? Do I pay the landlord the deposit and one months rent upfront or just the deposit…
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Hoover/Haier Heat Pump Tumble - Safety Issue
Hi - hoping for some advice, please. We purchased the Hoover heat pump tumble drier in February 2024. in May 2025 they got in touch saying there was a safety issue, to stop using it and they’d come and fix it. This all happened within a week and all fine. We then received a text from both Hoover/Haier and the retailer…
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Meter Timeswitch Codes (MTC) for electricity meters
Does anyone know where to find a (current) list of Meter Timeswitch Codes (MTC) that specify the peak and offpeak times for a specific multi-rate MPAN? My limited search skills have so far failed me when battling my way through the Elexon/BSC jungle. [It's the same story with SSCs and TPRs, but this really helpful table…
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Heating a log cabin - best and most efficient option?
We recently invested in a wooden garden building/summerhouse/posh shed and opted for the electrical package and insulation but declined the seemingly overpriced climate control unit (which would have been over £2k extra!) and we are now looking at a heating system that isn’t hugely costly to run. The space will be used as…
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Impossible challenge
Hello! Trying to keep motivation so decided to stop lurking in the shadows and start my own thread. Family of 4 (2 adults and 2 children) with a very large mortgage of now £470k over with just over 23 years left. 1.5 years into a 5 year fix (thankfully a cheap one). OH and I are fortunate to have well paying jobs but…
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RBS isa transfer from Principality.
I'm contemplating transferring my Isa from the Principality Easy access 4.2%var currently to RBS fixed 4.2%. Am I correct that principality only use paper forms to transfer into them, so how does it work when transferring out? How do l go about transferring to RBS via the app. I have a current account with them. I don't…
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EE telephone for technical support almost unresponsive
This is just my second post after rejoining MSE and I'll be glad of your opinion. For two days, as well as this morning, I have been trying to get through on 150 and 07953966150 for technical support. At first it says the call will be answered shortly, then 15 minutes, then 45 minutes then one hour. Latterly I have given…
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Bank Parking Park Management & DCB Legal
Hi Looking to get a bit of advice. I parking in a multi story carpark that uses number plate recognition on entry & exit to calculate the change. On the specific day in question the pay machine was not working/accepting payment. This has happened before and the usual process is to phone the operator they take a note of…
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New year, new goal
Starting a new diary as I didn’t update the old one for a while and it was closed. We had a pretty large mortgage of 395k taken out 7 years ago and I set myself the goal to be mortgage free by 50! My old thread had that title. Anyways to recap - we’ve been diligently chipping away at that and I’m pleased to say that today…
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Smart Export Guarantee:- No Payment During Set Up Time
Hi All, I installed solar at the end of May (using Effective Home.... decent experience btw). I was accepted by British Gas Smart export guarantee scheme in August. In the time between the install and acceptance for SEG I exported nearly 900 kw of electricity to the grid. British Gas say that I will only be paid by them…
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All in one cookers vs standalone?
Any of you experienced these all in one things and can comment on how they stack up vs standalone cookers? We use our slow cooker a lot but are looking at replacing it. Not sure what the insert is made out of but it's terribly chipped & we only use plastic/silicone utensils in there. We have a small air fryer as OH wanted…
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Avis won't refund me for a repair to a hire car they instructed me to make
When I was on holiday in the US I rented a 4x4 from Avis & had a tire blow out whilst there. After phoning the emergency number I was towed to the nearest garage for the repair as I was too far from their nearest location for a replacement vehicle. They gave me an email address over the phone to send the receipt for the…
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SO Energy - Estimated Annual Usage
I switched to SO Energy in July and have now had an email increasing my Direct Debit by £30 a month. When checking my forecast calculation they seem to be massively overestimating my Electricity usage. My 18 month average for the annual estimate with my previous supplier was 1660 kWh but SO Energy have estimated 2972 kWh…
