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Low Flow Rate - Northumbrian Water don't seem interested
I am writing this to try and gather some advice. My mother has a WB boiler that is 12 years old, but fires up and heats CH just fine, so I think there is no problem with the boiler. Northumbrian Water has been out as both my mother and next door to her (who share the supply) often have issues with shower going cold. They…
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Reputable Personal Injury Lawyer
Morning MSE forum, I’m looking for any recommendations for reputable and trustworthy Personal Injury Lawyers please. In December I was hit by debris blown from a building site in Edinburg city centre in high winds, resulting in minor concussion. I raised this with the firm undertaking the building work, who in turn raised…
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Do I pay if it is not within my bundle. SKY Mobile.
I have a bundle with Sky mobile for £2 a month that I use to enter competitions with 033 numbers which are within my bundle. What would happen if I called a number that was not within my bundle, such as a 5 digit number that cost £2 plus network charges, would it go through and be added to my £2 direct debit or would it…
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New cooker amp
Hi I brought a new cooker weeks ago for my new house first time I've brought a cooker in use to built in oven anyway I ordered one and it's getting delivered and connected on Saturday thing is I've only just found out that you can just buy any cooker you need one that matches the AMP for your circuit so I'm not sure if…
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£175 Coop Bank switch offer from 28th Jan 2026
New up to £175 switch from Coop Bank. (excludes anyone who has had a Coop switch bonus since 01/11/2022) "Get £100 for switching to us, plus £25 a month for up to three months. Available to new and existing current account customers." https://www.co-operativebank.co.uk/products/bank-accounts/switch-offer/ Initial £100 for…
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mortgage - IVA and DRO
Hi I have a IVA and a DRO on my credit file, my IVA completed two months after it was set up on18th of August 2023 and completion date: 30/10/2023. DRO was set up on the 24/04/2024 - 18/10/2024 but my DRO was revoked that's what it says on my file. Would I be able to get a mortgage next year with having these on my credit…
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Can I get a new lease or should I wait
Hi I bought a flat with only 48 years lease left. Questions 1) do I have too still wait 2 years before i can apply for a new lease? 2) do I have to use a RICS regulated surveyor and pay for it upfront like the Freeholder has requested 3) Will marriage value make any difference if it is abolished? 4) Has anyone used…
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Changing Accountant
Hi, hoping someone can help. I've run my now very small limited company for about 17 years and getting close to retirement. Had the same accountant for all that time but who has also recently retired and sold the business to one of these firms who have multiple branches. Unfortunately you can never get to speak to anyone,…
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Travel insurance cancellation cover due to death or illness of a close relative
Trying to organize our 2026 summer holiday to Austria and buy holiday insurance. However this year I have a few isues I need to take into consideration. I have a number of relatives in their late 70's or 80's any of whom could pass away at any time. There is one uncle in particular who has a degenerative neurological…
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ECP DCB LEGAL claim 2025
Brief Backstory: Parked in a ECP car park and paid for parking. Changed address so didn't get notice until passed to DCBL. DCBL ignored and now received Letter of Claim through from DCB Legal. Reason for 'Parking Charge' given: ‘No valid Pay And Display/permit Was Purchased’ I have all the evidence to support I paid for…
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Finding insurance details of car trader
I was hit by a car trader. There were two number plates on the car. One plate was in usual position on car but other one was in windscreen. The person who hit me said the one in windscreen is the one to take note. He told me he worked for car trading company and gave me name of that company. I passed on both plate numbers…
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Overstayed Morrisons FREE carpark by 13 minutes please help I’m new here
Didn’t actually use Morrisons I used the leisure next to it which is ok to do as the carpark is free. I honestly completely forgot there was a time limit. Says limit is 2 hours i over stayed by 13mins in the second pic you can see me clearly in the driver seat 🙄 this is dated 23/01/2026 to be paid £60 by/on 6/02/2026. is…
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S226 Standard life policy
I have a Standard life pension that is a S226 Retirement Annuity policy I started it in 1985 , I am wondering if as it says the only option I may have with this policy might be to take an annuity and not drawdown. Obviously I could transfer out . I know I could just ring them but wanted to ask if any one knows here first.
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HELP - I cannot find the Defence Pack Password
I am trying to sign into MCOL and submit my defence but they have not given me a Defence Pack Password - Please see the attached (redacted) document they sent me. I have been following the NEWBIES! Thread to win this .
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Nationwide app biometrics
Having recently switched, I understand that biometrics are available, rather than card reader, but not for a little while. Anyone know how long before that option will appear on the app?
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Is this passport valid for travel?
So I just realised my child's passport expires on May 17 2026. We were planning to travel to France from the UK on Feb 16 returning Feb 17. Would this trip be allowed at the sea border in dover/calais ? If not allowed, would leaving Feb 15 and returning Feb 16 be allowed ?
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Crack in party wall after neighbour building work
I live in small Victorian mid terrace and the person who's bought next door has had the place gutted and is installing central heating, new kitchen, new bathroom, fitted wardrobes etc so it's been constant drilling, grinding and hammering for almost 2 weeks 12 hours a day. A couple of days ago I noticed a crack had…
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Taking Drawdown Whilst not Paying Tax
Curious to see what peoples views are on below. Currently 63 years old and retired at 59. Spouse has state pension and NHS pension which she pays 20% income tax. House was paid off about 20 years ago worth approximately £280K. No debts. I receive about £4700 per annum in final salary pensions. I have already taken out the…
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Defence of court claim with Minster Baywatch / Gladstones
We have received a court claim for one of our company cars. The issue date on the claim form was 10/11/2025. I submitted the AoS 24/11/2025. I've read through the forum advice (several times), but I'm still not confident on my defence. I've copied and pasted what I think is the correct defence template and included para 3…
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TransUnion Credit File Not Recognised
After quite a fight, I managed to get sight of my TransUnion credit file by going to them direct. MSE Credit Club keeps saying the details don't match, so it can't be shown. I tried to delete all my MSE accounts and renew all the data but it hasn't helped. It's possible that some of this came about because the Christian…
