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455w Bifacial Vs 480w Monofacial solar panel
I am torn between choosing these two panels for my south faced pitched roof with grey tiles.A 455w Bifacial with 23% efficiency Vs 480w Monofacial with 24% efficiency. Any experts with experience of handling or comparing both, please suggest me which one is too choose from. Ignoring the price between them as labour is…
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Letter of Claim from DCB Legal Ltd. Please HELP!
hello everyone, I'm very new to this so please bare with me if I say something that is obvious to you. My wife's father received a LOC from DCB Legal on behalf of Capital Car Park Control Ltd demanding £1,870. They issued 11 PCNs. I have attached the letter to this post. The car is on his name but it's only ever used by my…
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The Mortgage Free in Three - Take 7 challenge (MFiT-T7)
A three-year challenge for all of those who are want to pay down their mortgage (or save for house-related expenses) over a longer time period than MFW. First of all, a huge thank you to trix-a-belle who ran the 4 and 5 iterations of this challenge, inspiring many of us to stay on track (and becoming mortgage-free…
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Rising energy costs and the need to INCREASE TAX RELIEF FOR WORKING FROM HOME
The standard tax relief is £6/week for WFH. I am permanently based at home and my energy bills (alone) have definitely increased by more than £6/week following the price hikes. It's probably costing me more like £2/day now, and that's despite being very conservative with heating (I use a low watt electric rad in the the…
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Help with storage heating, MPANs
I've just moved into a house which is heated entirely by old 'dumb' dimplex storage heaters with an Aclara 5 lead SMETS2 meter. I also have an immersion tank with a Honeywell Electronic 7 control panel next to the consumer unit. I think I've managed to figure out how to program that to come on over night thankfully though.…
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Ebay order delivered after cancellation refund.
Ordered item and paid for it 21 day's ago and got tracking info. Waited 8 days and no delivery and tracking says waiting to enter courier system. Contacted seller and after back and forth messages seller to refund. I bought the item I needed from somewhere else now. A week after refund I got an email saying RM will deliver…
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Halving our income and still aiming for mortgage free!
Hi everyone, A long time lurker of DFW forum, and then here. Finally starting my own diary as I feel it will help keep me on track! As the title suggests we are halving our income as I have resigned my job in order to keep sane and support DD with home educating for the next year. The last two years we have managed to…
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Employed Full Time and Self Employed
Hello I don't seem to be able to get a clear answer on this anywhere, and a certain online tax calculator tells me I do have to pay national insurance when I'm employed on self employed earnings of £4700, but.... If I earn a full time, employed salary of £30,000 per year, and national insurance is collected via PAYE, am I…
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Climbing the Mortgage Mountain step by step
Hi All I've returned to MSE after several years away, I was previously here under a different user name. I have previously been mortgage free twice in my life and both times, just as things should have gotten easier, life threw me a curve ball! This most recent time my marriage suddenly imploded and so, at the grand old…
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DCB legal, claim form, NS1SDT
Hi everyone, I received the DCB legal claim form, the claimant being GBP management. The claim is for supposedly not displaying a permit in a residential car park, at my sisters address in 2022. I can’t quite recall the specifics. On viewing all the threads regarding this I believe the steps are to: 1) do an AOS. 2) Then a…
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Chase £100 incentive
I've just got a message from Chase (who I already have current and savings accounts with, but the current account is not my main one). They're offering a £100 Amazon voucher if I make my Chase current account my main income account - i.e. pay my salary (min £1,500) in each month for two months. Either by using the…
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**NEWBIES!! PRIVATE PARKING TICKET? OLD OR NEW? **READ THESE FAQS FIRST!** Thankyou!
:) WELCOME! :) HOW TO BEAT A PRIVATE PCN: BY APPEAL, COMPLAINT, OR DEFENCE. BEFORE YOU USE THE FORUM, IF YOU ARE NOT SURE HOW TO USE IT, CLICK HERE Forum Introduction Guide DO NOT USE YOUR REAL NAME AS YOUR USERNAME IF YOU POST A THREAD: https://forums.moneysavingexpert.com/discussion/5532696 FAQS FIRST. NO THREAD IS…
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LETTER BEFORE ACTION Help
Hi all, thank you for taking time to review this letter that I am planning to send to a supplier before procesdding tpo the court. thaks in advance. Dear Sir/Madam, Order: Galaxy Z Fold3 5G 256GB (Black) – £503.49 Order date: 10/04/2025 Issue reported: 08/07/2025 * I purchased the above phone on 10/04/2025 for £503.49.…
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Royal mail lost parcel?
Ordered last Wednesday tracking 48hrs, tracking not updated since Friday but had email on Saturday saying it would be delivered but Iv had nothing. How can I contact royal mail? I think they may have lost my parcel and I need them as they are prescription for my dog 😭
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Scared of Debt, Divorce & Losing My Home – Please Help
Hi everyone, I’m really hoping for some guidance and reassurance because I feel completely lost right now. A bit of background: * I went through a divorce recently and bought a new home for me and my little girl. * Not long after, I lost my job due to a mix of anxiety, depression and then breaking my ankle (I had surgery,…
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Mind-boggling Shower Part Replacement Drama (Aqualisa Aquastream hose adaptor)
The £5 part I need is discontinued. The only way I can get one is to buy it along with a pump - total cost = Approx £140.
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British Gas not showing in tariff results
a new British Gas tariff blagged by MSE is cheaper than anything - except it doesn't appear in the results listing. Why? How, actually, can I get it? the tariffs listed as "current" do not include mine - I just checked with BG. Anyone else going round in such a silly circle?
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Cooking chestnuts
There's an abundance of chestnuts in the forest. I love them but have had little success in cooking them so that the bitter brown bit comes off easily. I've boiled and roasted but never been able to get it right. If anyone has a good method of roasting them to perfection I would be a happy squirrel! Thanks
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Energy Direct Debit - Predicted to be in plus at FYE but they want to increase
Hi OVO customer here. I have a direct debit, I'm currently in a positive account balance by a few hundred pounds - but I realise that will reduce over winter. That is not the issue. OVO predict from my usage and current DD (£118) that I will finish in a plus at 31st March next year (i.e. after the winter). They say they…
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Kent Reliance Isa transfer to Zopa
The letter from KR advising maturity instructions took over 6 days to arrive after being sent on 15 September, and I only opened it after we got home from holiday on Sunday. It matured yesterday into another 2 year fix, at 4%. I'm thinking the easiest place to shift it would be Zopa as I have a smart save account and an…
