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Single use coffee bags
A relative uses these and currently has the Taylor’s ones. They seem awful for the environment as the packing cannot be recycled and the bags themselves seem to be made of plastic. Does anyone know of more eco friendly ones please ? Needs to be single use bags for ease as they are elderly with limited capacity
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House selling- what am I doing wrong?!
Just after some advice regarding house selling! My house has been on the market since end of September, initially lots of viewings but I've had nothing for the last 8 weeks. The feedback I get is nothing I can improve on it's normally "we've found a different house" etc. For context, it's a 3 bed end of terrace with 2…
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Crediy Card Chargeback - Who is Liable?
An insurance company promised to refund my credit card after I cancelled an insurance policy within the 14 day cooling off. They didn't refund the money. Therefore, I spoke to my CC card company who arranged a chargeback. 4 weeks later the insurance company also refunded the money to my credit card account out of the blue.…
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Extortionate Premiums
OK, I have medical conditions and would expect to pay over the odds for travel insurance. However, the premiums being quoted are, at best, immoral. I diligently answer all the questions as I am aware that even the slightest error could invalidate a policy. However, it seems that there is no credit given for the fact that…
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Apple watch and fall detection
Before we start - yes, latest OS versions. Now aside from "it hasn't been set up", is there a reason as to why once set up & the person falls wearing an apple watch, it DOESN'T alert someone notified? This was one of the reasons we got our mother an AW. Found out yesterday that she took a tumble last week. As per, she…
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I can do this...step by step
Hi all, I've been lurking on the forums on and off (mostly off) for sometime now and had "that moment" when I have come to realise I'm really over my head and hiding behind yet more loans and further debt won't help. I feel I have got to this stage by each time taking a new loan to consolidate the last while spending more…
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DB Scheme and Minimising Future 40% Tax - What makes most sense?
Hi All, Have finally decided (99.99%) to retire in June 26 at age 62 and now considering options. I'm very fortunate to have 2 DB pensions which based on my most recent forecasts from the provider pay as follows at age 62: 1) £38.2K full pension or £27.8K and £185.3K tax free cash 2) £9K full pension or £7.2K and £32.7K…
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NHS pension - not sure whether to take standard or maximum lump sum
Hi all, I've seen some good informed discussion about NHS pensions here (such as https://forums.moneysavingexpert.com/discussion/6464889/nhs-pension-1995-section-delaying-retirement which helped a lot) and hope you can help with this. Partner is 61, in both 1995 section and 2015 scheme and wants to go for partial…
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Tesco Insurance Login
What a farce, my home insurance is due February, so thought I'd login to see whether I'd got automatic renewal on........not a chance. They've changed the login, same as Tesco.com account, which I can login to, but nowhere can I connect to my home insurance. I can't check my details are exactly the same, which they should…
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O/S Daily Monday December 29th 2025
Good morning all.
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DRO & Mobile Phone Contract
Hello. I’m looking to go ahead with a DRO application. My concern is that I have two contracts in place with Vodafone, one for myself, the other for my son. In addition to this, I am paying monthly for my son’s new handset. I’m not in arrears with any of these, nor do I intend to be if I go ahead with the DRO. I fully…
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L&G Workplace Pension advice
Hi,First time poster here. I have a workplace pension which is L&G PMC 2035_2040 Target Date Fund 3,I have had it since May this year, it has seen a gain of £798.87 (8.73%) I have no clue about investing or pensions and just wanted some advice and opinions about if this is a good fund and if anyone has any recommendations…
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Best value place to buy coal and fire logs or alternatives?
Hello, I'm based in Belfast, Northern Ireland and the temperature has dropped considerably it seems. As a result I want to start getting the fire on to help heat the house a bit more. Normally I bought coal in home bargains but I haven't seen them about and their prices seemed to be creeping up. Is there anywhere better…
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smart meters- what is typical lead time?
Hi, I have requested an EV Tariff and so a smart meter for electricity (and gas as it is ancient) from my supplier, Utility Warehouse (UW). Recently gone to a full EV so hoping to get their advertised EV Tariff ASAP. Being in the northern half of the UK I expect Arquiva will be the installers but just a guess. Responses…
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Landlord mould advice...
As a landlord I am trying to address mould in a 1980-90 terraced property. The tenant is in situ. I have 'educated' them WRT ventilation etc. However I am really struggling to know where to go to for trustworthy advice. I am thinking additional loft insulation and cavity wall insulation etc. but not really sure. The tenant…
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Received a SJPN today out of nowhere and unsure of how to proceed.
So yes, I came back from work today to a large white letter from the Fixed Pentalty Unit stating I was speeding in a 30mph area from back in June of this year. I'm not necessarily disputing I was speeding as I may have done, I don't know, because this is the first I've heard of it. However, Northumbria Police state they've…
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Iweb SSLV issue ..
Last Monday thought to check in on the small amount of SSLV I hold on my iweb account and noticed that I am no longer able to buy on the platform just sell ... Not too sure when this change came , is this something to worry about ?
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How much to negotiate for property in London? Purchasing for child going to uni
Hi We are in the midst of selling our rental property to help purchase a flat in London for our son going to uni in Sept. Viewed a number of properties so far and may consider giving an offer. A catch 22 question for those who are experienced in London - how much do you discount off when submitting your offer? Did a google…
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Sales
Hi, I bought something online on Boxing Day for £27.99, I specifically waited until after Xmas to see if I could get it cheaper, I did click and collect, I got a notice to say the order had been cancelled. I contacted customer service who told me the warehouse had cancelled it because there is no stock. I queried why…
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Home insurance carried out work without my consent
Hi, I'm just wondering what you guys think about this. I contacted my home insurance because my rainwater pipes had tree root ingress and some of the pipe was damaged. The insurance contractor carried out CCTV of all the drains and said they would clear the blockage and repair the pipe. Two weeks later they returned and I…
