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Hydroxyapatite toothpaste
After spending a lot of time at the dentist recently getting an implant due to a failed crown, I bought some toothpaste online (I already have an electric toothbrush, the in-between teeth brushes, and a mini toothbrush, toothpaste and mouthwash in my handbag now). Zing claims to have papain an enzyme to whiten without…
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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…
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Swinton withdraws Lifestyle Excess Cover - are there any alternatives?
Swinton have stopped selling Lifestyle Excess Cover, a product that provided cover for excesses paid against motor, home, travel and pet insurance policies. I've been covered for a couple of years, but sadly have been unable to renew as Swinton have now withdrawn the product. I've been able to find plenty of examples of…
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Any tax due on a dealing account?
Im sure I read somewhere recently, that anyone who’s a higher-rate taxpayer (40%) and earns more than £500 in interest in a savings account is liable for tax under the PSA. Does this only apply to actual savings accounts? Im asking as i am currently maxing out my S&S ISA each year, and am adding to a dealing account where…
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Windows 11 bloatware
I have removed some of the bloatware but is there any of these remaining definitely worth getting rid off.
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ni contribution top up application made before 5th April 2025 deadline
I am new to this forum. I am sorry to say that I have failed to find a recent thread about applications to top up NI contributions from 2006/07 if made before 5th April 2025. I would be delighted if I could be pointed in the right direction but if not may I ask your help In March 2025 I rang the help line and was told I…
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Vodafone shopping voucher incentive scam
When selecting a new broadband provider do not base your decision on the promise of receiving a shopping voucher after 120 days as an incentive if you sign up with Vodafone. I changed from my previously excellent BT service in February and, of course, no voucher to date. I spent what seemed like hours on the phone trying…
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Removing ceilings to save money on re-plumbing and re-wiring quotes
By removing all ceilings in the house, will I save a significant amount of money on quotes from plumbers and electricians for re-plumbing and re-wiring? Forget the cost of replacing these ceilings for now, and the idea of access via the floorboards - I'm just wondering if having full access from below is likely to…
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PCN
Hi, I sent a cheque for a parking fine a few months ago and it hasn't been cashed. Can I make a online payment now? I have received a letter from dcbl. I have read other posts but nothing similar. Thanks
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Parkingeye appeal rejected
Hi everyone apologies if this is similar to another thread, I’m just never sure if it’s the same across companies. I submitted the appeal from the newbies thread and received the below response. Should it also be ignored unless any claim is filed? thanks in advance for any help
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booking.com has become incompetent & dishonest. Not worth any discount perks.
Today, I've experienced the nadir of booking.com's incompetence and dishonesty. Twice. 1st instance: trying to change a business-class flight dates because of illness. After hours of being kept waiting - and being charged a price a third as much again as listed on their website for the date change, PLUS having to make a…
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5 year warranty of kitchen tap -- but no receipt - advice?
Hi All, My father bought and fitted a kitchen tap for me in Feb 21 from Wickes. It has a 5 year warranty and has just developed a fault (constant dripping, squeaky hot tap) -- I don't have the receipt but we have found the transaction on his credit card. I emailed all this to Wickes and they said without the actual receipt…
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Return Items sent to wrong retailer, retailer has destroyed items without notice
Hi There, I recently returned items to two retailers but when I hadn't received the refunds I made enquiries. It turned out I had scanned the wrong QR code for the wrong parcel and the items went to the wrong place. The one retailer told me that the items had been destroyed. I've been researching this issue and it seems…
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VAT charged on eBay purchase from Germany
Is it usual to see a listing with a price, under which is written + 20% VAT will apply? The items are mainly music and opera DVDs and Blu Rays and are located in Germany.
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Estimated Usage
My energy supplier constantly overestimates usage when offering renewal of fixed tariffs. They have the actual annual figures for previous years to hand (as do I because I take monthly readings) so they have no excuse but they always over estimate by some margin. The thing is, their inaccurate info is used by the Cheap…
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Query about claiming a water bill credit
I've got a bit of a problem. My water bill is in my dad's name but as he did not have a bank account, it has always been paid from mine, as we lived together. He died three years ago and I have continued living in the house and paying the bills. I've now been informed that a large credit is in the account, and I want to…
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Carer's allowance whilst using non-residential carers
Hi all, Is it possible for my mum to have a family member care for her and for that family member to receive carer's allowance, whilst she also has some non-residential care come in on certain days? E.g. carer's visit twice a day for 4 days a week, whilst family member lives in for the other 3 and provides care for those…
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NCP Stowmarket Station
Hi all, have been reading around on here and wanted to make sure my response was correct for appealing a PCN from NCP. Stupidly in my morning rush I forgot to pay for day parking, and then forgot to pay in the 24 hour period after. A real !!!!!! since I have spent an absolute fortune commuting from this car park already…
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Help for my disabled partner.
Hiya all. I have a dilemma that I need help with. My partner of 25 years has long term health issues. She is registered disabled and claims the higher level of PIP. She is employed by the NHS who, because of her disabilities, allow her to work 21 hours per week from home. Her conditions are deteriorating and she is rarely…
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Lumiona's MFW Diary
As a forum lurker, I'm not a threadstarter but I figured like many of you that a diary is a good accountability method. Ok so here goes: Backstory, we moved to our current house in 2006, bought for £178k mortgaged at £130k for 30yrs. Interest rates were high monthly payment about £750, went up to nearly £900 at one stage.…
