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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…
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Walking into another chapter ...
Welcome one and all ... to those of you who have managed to avoid my diaries until now as well as those loyal ones of you who have stuck around over the years, thank you :) So another year is about to begin and now seems as good a time as any to start a new diary. This will be my 11th (I think?), I've been around here…
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unable to see the british gas deal in the email on the website
In the latest MSE money tips email there is a MSE Big switch winner: WINNER 1: Cheaper-than-the-market's cheapest. British Gas 14mth fix for both new & crucially existing customers. This is the cheapest BG fix since Sept 2021 and is an average 15.2% less than the new 1 Oct Price Cap. Existing BG customers can get it too,…
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School fines help!
I want to make sure I understand this. I also understand this is controversial topic so please try keep to the question. I have close family who live in Spain and we are visiting soon. I did a holiday request form for my daughter last school year to which declined and we got and paid the fine. Fine have now changed. She…
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Strayed into higher rate band for income tax - inventive ways to get back to basic rate?
After a heck of a challenging year with my current employer, a conversation has occurred that has resulted in a welcome pay rise B) I'm happy with the outcome, they're happy I'm sticking around, everyone is winning. The snag for me is I've been deliberately running my income to stay in the basic rate band for income tax.…
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Sensio Polar Pro with Kinetic Switch
I’m having issues with my new Sensio Polar Pro LEDS. I am using a dual kinetic switch to control the following: Right button: Kitchen Worktop (driver 1) Left Button: Shelves left (driver 2) and Shelves right (driver 3) The issue is it behaves fine for a while after resetting them and recalibrating the drivers with the…
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Can my neighbour get away with this....
Hello everyone. I am very upset at the moment and was hoping someone might be able to help. Basically my neighbours are building a very large "structure" in their garden, which I have been told by the local council that it can remain as it complies with The Caravan Act 1968. It is very large and runs along our shared…
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Our shower has stopped working: did switching our thermostat off while away affect it?
We're having an issue with our 1990s-era Triton T80i electric shower where it's dripping from the shower head and we can't get hot water late at night. We have a Hive smart thermostat system which was installed in 2016 with a new boiler: this is set up to heat water twice a day for 30 minutes each time. We had to be away…
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Ex beneficiary to my 17 year old claim pip
My ex claims pip for my 17 year old and is his beneficiary. He has moved in with me his dad now month ago. And she will not phone to change it over to myself. She's getting carers, mobility and his pip money. All he gets from her is around 30/40 week if that. How do I change it over to myself. As she's said not doing it!
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Travel Insurance dilemma
I currently have an Annual Multi-trip policy which ends 31st October. The Insurance company I am currently with (and have been for a number of years) is becoming very expensive so I have been getting quotes from other companies. I would like to change to another company on 1st November for continuity, but I have a dilemma…
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Which Debt to Default on
Hello, I have 4 credit debts totalling £12k, 3 loans £18k. So I was
made redundant earlier on the year and been behind the payments and recently
secured a 6 month temp role on a much lesser pay. The current arrears and minimum payment is equivalent to my
monthly pay minus the basic expense like food, travel,…
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Court Claim
I have a parking space included with my lease, and I own 100% of the flat. In April 2024, I changed my car and received two parking tickets from UKCPM on April 4 and 8. I didn’t appeal on time because my housing association needed to update UKCPM before I could do so. However, I mistakenly emailed UKCPM directly about the…
