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What is the problem with my phone
Hi all, i have had my poco m6 pro for about 18 months now (private purchase)and i started having problems with charging about a month or 2 ago where the fast charge facility stopped working. I did post on here about that and tried everything that was recommended including a battery recalibration but nothing seemed to work…
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Barclaycard Rewards
Just received email from Barclaycard We’re relaunching our Barclaycard Cashback Rewards service in the app and changing the name to Barclays Cashback Rewards. Keep an eye on your inbox for more news and updates soon. Wonder what other changes are in the pipeline beyond the name change ?
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Windows 11 and Microsoft Money
New PC arriving with Windows 11 and looking to continue using Microsoft Money on it. Digging around online I see suggestions that both the Sunset Edition and the 2005 edition should run, but each one seems to create some problems some times. I know there are quite a few users of Money on here - any advice on which of the…
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McCarthy and Stone Resales
Does anyone know what happens if a McCarthy & Stone flat fails to sell after many years and the accrued service charges now exceeds the value of the flat - are the beneficiaries responsible for the debt?
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Harvesting rain water ideas
We’re currently boiling tap water for our indoor plants, which isn’t very energy efficient or environmentally friendly. The boiled water sits in jugs until it’s cool, usually used the next day. I’d like to switch to rainwater, but it needs to be completely free from insects and debris. Ideally, I’d like a ready made…
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Coop everyday extra current account
My brother who will be 79 years old next month is thinking of going on a cruise next June and was pricing travel insurance and the cheapest he could get it because of his and his wife's health is £600 approx. If he was to open a joint Coop everyday extra current account and paid the £17 a month until next June and also any…
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Sense check, Accumulation to Deaccumulation
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Understanding how the Pension Protection Fund would consider a previous lump sum payment
I will start drawing from a deferred DB scheme next year and have been wondering what would happen should the scheme end up in the PPF. In terms of likelihood, I’m confident this isn’t imminent or inevitable but the organisation is in a troubled sector. My question is about lump sum payments and how/whether the PPF takes…
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Future Proofing my life: Deposit saving then MFW journey in under 13 years
I have been reading lots of these MFW diaries over the last few weeks, some 300 odd pages long and tracking a decade or more of life. They have been fascinating, very inspirational and given me some great ideas. I am looking to buy within the next year, and then get MFW and o/p as soon as I can. My savings rate, income…
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Will / trust
My dad has recently passed away and I am confused about the will. Mum and dad had mirror wills. They were tenants in common. Mum died in 2018 and left her share of the home in trust for 3 daughters (all over 18 / left home) with dad having a life interest to remain living in the property. Her residuary estate passed to…
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Early (forced) retirement. Which db pension option to choose?
Hi all, interested to hear which of these 2 options you would take (or a third in between option) in my position, and explain why please (defined benefit pension). Made redundant, and want to retire now. The important bit, I need £1100 a month to get by - and the pension and savings interest (approx 4k a year tax free) is…
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ACI and Perch group letters and texts
I have a debt with MBNA for a credit card I defaulted on from approx 20 years ago that I am being chased for by the above company, ACI and Perch group. I had a CCJ against me, that I didn’t even know about at the time which I assume was due to a house move? I also have not been paying anything towards that. I have heard…
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No mobile signal for nearly a week Tesco Mobile
We're with Tesco Mobile and for nearly a week we've had no signal. Tesco mobile piggy back off O2. On checking the coverage thing for our area a message comes up: 'Sorry we're carrying out some upgrade work in this area.' Obviously we've no means of texting/calls. We have an elderly family member who we need to keep in…
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Service Charge
Hi , We purchased our ex-council house in 2022. The previous owners bought the house through right to buy and we have purchased it as a freehold. We were not aware of any service charge when purchasing the house and are wondering if this bill needs to be paid by us. We have not received a bill, the bill has been sent to…
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Sprive App?
I’ve seen a lot of buzz around Sprive at the moment from people using it to overpay their mortgages. Has anyone used it before and is it worth doing? (Not looking for referral links, just reviews and info from people who know more about it than I do). Thanks in advance!
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Juggling mum/work life, whilst looking after my future self, both financially & healthily
Hiiiii, So I thought it was time I started a new diary as my old one got a bit complicated. A little about me. I’m a mum in my 40’s, my husband works away a lot, I work full time, and I have 2 children a tween and a teen. Along with 2 noisy cats. The last few months have been hard financially, and my work is teetering on…
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ISA confusion
Hi all Excuse my ignorance here but can someone please clarify - the 20K limit for cash isa, does that mean that 20K is the upper limit of what you can have in there? i.e I have an isa into which I put 20K in January does that mean that's all I can have in there ever? And any interest I will have to withdraw? Or is that a…
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Phone on last legs. Which banks apps will be least and most problematic if not deregistered?
My phone is seriously damaged. It works but not reliably or for long. So I need to prioritise deregistering apps. Which banks apps would be most difficult to install on new phone if I don't unregister first from the previous device. Basically which banks apps cause most headache if you lose your phone?
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Natwest ISA
Hi Had a Natwest fixed rate isa which matured on 4th September. Issued instructions to new provider on 28th August to open a new isa and set up transfer from Natwest on Maturity. All parties acknowledged requests. On 5th Sept Natwest informed me that they had moved funds to an easy access isa. Waited for transfer to take…
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Advice for re-entering car park - County court claim
Hello. I received a claim because i visited a car park in Ancoats Manchester which allows 90 min of free parking. I stayed approx 35 min and left. However i realised i must have left my phone perhaps in one of the shops. I went back 5 min later and stayed aprox 15 min before I left the car park. I am now getting a county…
