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Can I make my PCP any cheaper? Does any company do interest only loans?
Took out PCP for 24k, 10k GMFV, GMFV due August 2029. 9% Overpaid loan by 14k, 10k GMFV left, paying monthly interest of around £74 which will equate to 3.5k and then pay 10k in 2029 (probably trade in) Can I get this 3.5k halved to by finding a better rate than 9%, I presume not....I do not want to take out a money…
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Instant pot is it worth it?
Instant pots are half price right now and I'm tempted but also worrying about whether it will be worth the initial outlay to save energy costs when cooking? Does anyone have one? What types of things do you cook n it?
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Metro Trust Bank Account
I am a Trustee for a Trust which my late uncle set up to benefit my cousins upon the death of my aunt, who is now 91. Earlier this year, when my aunt moved to a care home, we had to set up a bank account in something of a hurry to receive the proceeds of the sale of her home (around £200,000). In the end we established the…
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Replacement cat flap
We had a Sureflap microchip enabled catflap installed in a glass door. Over the years it has deteriorated and we now need to replace it. We don't think we need the microchip functionality any more, so we'd like to get a plain ordinary catflap - preferably one that permits minimal draughts. Can anyone recommend a model that…
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Five Year Fix, Five Year Plan
I've not even got a mortgage yet, but here I go. I'm finally getting on the housing ladder and settling, after living around the country for the last decade. I've been in a position where "I'm just about to buy" for about 8 years for various reasons, so while I've not spent well, I could have saved better instead of…
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Is my smart meter tripping the electric
On Saturday we had a power cut. When the power cut website said our power was restored we still didn't have power. However I noticed that there was a light on the meter and the main switch was tripped. We turned each sub trip switch off in turn but the main trip switch still tripped. I phoned powergrid and the call handler…
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tax codes
I had new tax codes in september for three small pensions, these are my only income @£10500 Next week I get my first state pension but i have paid £200 tax on one of my work pensions which now have the codes K ends X and the other two ends T I can see that they have calculated the I will have an additional £6000 in state…
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Brita Limescale water filter
Hi, I bought a Brita jug. I was looking at their filters and since I live in a hard water area (London) I'm assuming their Limescale filters are better? But I have doubts because they seem to only mention they are for kettles and coffee, are they not ok to drink from the Jug? I'm not gonna buy another jug to put a…
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UKCPM / BW LEGAL Residential Car Park Court Claim Defence Help
Hi All, I've received a Court Claim from BWLegal / UKCPM for parking in the residential car park where I live. The letters are addressed to my address which is where the alleged breach occurred. I stay with family. I am currently drafting my defence. I'm thinking about copying some of the elements from this post. What do I…
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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…
