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What are my rights
Hi. I brought a jaguar I pace on finance in 2023. Late 2024 battery issues occurred. Jaguar was able to get my car in for a diagnostic May 2024. They told me it was the battery but even the diagnostic was covered because a common fault. I have been waiting months to be called back in to get this fixed. I have been told due…
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Tesco Advert Torture
I've been watching quite a lot of ITVX recently and they have the SAME adverts at every commercial break including the Tesco Clubcard one (I've got the Power). Now I quite like the song but seeing the same advert at every commercial break (and there are quite a few in the ITVX series), is like torture. But what I find most…
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Subscriptions
Hi. I maybe late to this party but……. Is anyone looking into the way companies sell their Apps….?? Im talking about when you are offered a weeks or months trial. So you sign up, pay a nominal fee. But in the small print T&C’s you are automatically enrolled into a monthly subscription at a much much higher price…if you…
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A situation that hasn’t happened….yet!
Hello and thanks for all help what happens if the following situation occurs please? never happened in 30 years of being a landlord but… house rented on AST to 4 unrelated individuals, on a joint and several basis, however it is NOT classed as an HMO At the end of the AST, as planned, 3 of the individuals move out, rent…
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Is it safe to switch on my smartphone to perform a factory reset when it looks like this?
Hello everyone, I want to recycle my old smartphone because after having the battery replaced last year, it's battery life got worse and the side seam around the buttons started to split. It now looks like this: Please don't yell at me but I stupidly left it on a south-facing window sill for too long but we had to deal…
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Did I top up years when I should have got Home Responsibilities Protection?
I found a letter from the Inland Revenue dated back in 2004 which summarises my NI contributions from 1996 to 2002. It suggests that in 5 of those 6 years I had a shortfall as I only worked sporadically in those years. I was definitely receiving Child Benefit in those years as my first child was born in 1990 and my second…
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Multi Policy Travel Insurance
Hi all - Just a quick question. I am going travelling in October to 4 different countries over a 6 week period. I am not spending anymore than 2 weeks in one location before I move on to somewhere else. (Japan / Vietnam / Laos / Thailand). Would I be covered using annual multi policy type of insurance or would I need…
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Gifts out of Surplus Income- School Fee Savings
My father is trying to assist with the preparation of school fees for our child in the future. He has a steady income and could support us with regular 'gift out of surplus income'. However, our child doesn't start secondary school for another 4 years, as such he'd like to pay into a savings account so that this can be put…
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Registering Business and Keeping Details Offline.
I'm starting up a very modest small business from home later this month as sole trader. As my home borders some insalubrious properties and areas I need for my business details to be kept offline. I'm concerned when I register my business with HMRC my details might be online. It would pose a security risk to my property. I…
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query ref travel insurance as an annual policy ends mid holiday
Hi, My current annual policy ends on the 9th Sept this year. I recently booked a 15 night break abroad ( seperate apartment & flights in place we have stayed a few times before) this is from 1st Sept to 16th Sept. My plan was to re do an annual policy but only in Jan 26 as currently have no plans to go away again till…
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Cannot add baggage for Flight to US
Hi. We have just booked a trip to the US through expedia. We booked hotel and flights together as it gave us the best price, but checked baggage is not included. This is fine for me as I travel light and a cabin bag is big enough, but two of our group have decided they want to take a checked bag. On the United Airlines…
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Prolific Academic banking study
Has anyone else done the week long study on banking\? There was an initial study, then a diary which had to be completed over the course of a week, and then another study when the diary was submitted. I submitted the diary and completed quite a long set of questions. I submitted that, but nothing is showing on my account.…
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Leaving HSBC's ISA platform
After many years, with a house value amount of cash in their ISA wrapped Global Investment Centre in various funds,. I'm off.We have funds and bits of pensions in many comparable places and I don't keep a running record separately of what I've moved between funds on a platform, in say a diary. I expect to find out what's…
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Electricity bill through the roof after Smart Meter install.
Hi all, My parents were left with no choice but to have a smart meter fitted when the signal to their original meter was switched off at the end of June. They've been on Economy 7 for years, as they're both pensioners and disabled/chronically ill. British Gas have been sent regular meter readings up to the date of switch…
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Solar options (mind field)
Hi I'm looking for some advice for solar panels Who's the best companies to contact ? Presume 3 quotes . What kind of price will I be looking at ? I did have one quote a while ago but I'm sure prices have changed since then (2022) We used 7000kwh annual. What's the potential savings ? What's the best kit to have? Property…
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Goldcar Rental & DoYouSpain
We paid a deposit for Car Rental through DoYouSpain for a car to be picked up from Goldcar in Alicante Airport. We got to the Goldcar kiosk at 11pm on 12th July to see a huge huddle of people. They had a ticket system where you had to click whether you had a booking or not. Those that had bookings already were left waiting…
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Skype credit refund
Now that Skype is closing down in May is there a way to get our credit refunded? It’s more “it’s the principle then anything” but I have £11 of Skype credit. Multiply that by all users and Microsoft is going to collect multiples of millions on this. Surely since THEY are closing the service, they have a duty to return our…
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Lebara SIM Swap Fraud
For Lebara customers and potentially new customers, did you know they can do an instant SIM swap without any warning? I lost network on Tuesday evening, found out Wednesday they had done a SIM swap. Apparently my email has been hacked and someone filled in a form online. They don't text to verify it's a legit request, no…
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Received 2 Messages From 2 Different Companies - Neither Of Which I Know About
Hey all, So the other day I received a letter from a debt company saying that they were taking over my debt for an Abbey National Credit Card. So this sparked a little confusion, as far as I am aware I don't remember owning any such thing in YEARS, and even if I remembered the debt, Abbey National hasn't been a company in…
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In a pickle - Admitted I was the driver to IAS - BW legal email response help
Hi After spending a few hours going through the various threads and step by step guide on the newbie thread I have come to a bit of a sticking point and am after some reassurance to what to do next. My context is I have recently received a LBC (I think?!) from BW Legal (attached) after not paying a PCN (attached) from 21st…
