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Green Flag or AA?
My AA renewal is due £145, contacted them and this is the best they can do, Green Flag is half that price. What are Green Flag like? I know they do not have their own fleet of mechanics like the AA and RAC do.
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Two mortgage advice
My son has a mortgage on two properties. He splits his time between both as dictated by work. He is currently overpaying on the larger of the two and will in time rent out the second property. I believe he has a 80% mortgage on this property. What is the best way to avoid capital gains on the second property?
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FSCS protection limit
Apologies if this is a stupid question but it’s something I thought about today and not sure about the answer! Lets say I had amassed £300k in a stocks & shares ISA over a broad spread of investments with (for example) AJ Bell and AJ Bell go out of business. Am I still only covered up to £120k? I understand that the FSCS…
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Switching to full fibre
Switching to sky full fibre. Concerned about installation and whether they need to dig my driveway. House semi detached with integrated garage.
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Octopus Energy price Hikes 1st May 2026
Just had an email from Octopus energy detailing their upcoming price hikes on the 1st May. Standing Charge up by 3.56% EV rate 11;30pm to 5.30am up an astonishing 32.7% Day rate up 8.97% Overall my bill for the year is up 11.25%
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IHT411 Listed stocks and shares
I understand stocks and shares ISA will need to be included in IHT411. How about if the S&S ISA is a discretionary managed porfolio containing lots of different funds? Just wondering how to deal with that..
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Cadent moved meter too near electrics
When Cadent 'upgraded to gas supply to our house, against my wishes, they moved the gas meter to another wall making the meter difficult to read and the pipework to it is not neat as it was before. At the time, I was unable to have the strength to argue as my seriously ill father, who I cared for was in his last weeks. I…
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Calor Gas Standard Tariff
To my utter dismay I just discovered we have been paying Calor Gas an extortionate 92ppl for bulk delivered gas since 26th September 2022. On 17th June 2018 they sent me a letter which was headed as a 'Price Change Notification' which simply says 'You have recently benefited from a price that has been below our standard…
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Paid for parking at NCP, got a penalty, didn't appeal in 28 days
Hi, my mum has a Motability car, my nephew drives it for her, they paid for parking at an NCP car park, they received a penalty notice afterwards, together they phoned them to appeal, they were told you can't appeal on the phone but didn't tell them they only had 28 days to do it. Both my mum and nephew are disabled and I…
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Upcoming change to editing older posts
Hi all, Just a quick heads-up that we’ll soon be activating the “Reinterpret as Rich” setting for older posts. Currently, when you edit one of your older posts, it opens in the editor that was originally used to create it… After this change, older posts will open in our newer editor when edited. By default, nothing will…
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From 50 mb to 75 mb
Switching to full fibre with sky soon. Currently getting 50 mb with bt. Low user mainly browsing and watching Netflix. With sky can get 75 mb for £21, is it worthy to pay extra £2 for 150 mb a month single user. Thanks
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NtK from PCM (parking control management (UK) Ltd) am I doing this right?
Hi So I received a NtK (below) following the placement on the vehicle I am the registered keeper of a PCN on 27/01/2026, upon discovery of the PCN on the windscreen pictures were taken (see below) and it shows that despite it looking like the tyre was on the "line" it actually wasn't. I am planning on using the slightly…
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Should I Transfer Or Withdraw/Deposit? - Cash ISA
This might be a dumb question but I'm not sure on what best to do. I have just over £15k in my Moneybox Cash ISA, currently getting 3.45% interest. I've had this ISA for over a year now and I've not deposited any money in this tax year. I also have an outstanding loan of about £5k which has about 12% interest on so I…
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Placed an order to sell my old phone and heard nothing back after sending the good
I placed an order on a e-commerce retailer to sell my old phone, and it generated a label automatically for tracked postage. It said "same day payment" after receiving the goods on the website but I haven't got money yet. The postage is tracked as delivered, but my order remains pending on the website. I left a message…
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flexible border recommendations
A very good morning all I am looking for flexible (maybe) border edging. I have a robo mower, so need (budget) lawn edging, but the lawn is not a straight edge, some is, some isn't. I am thinking plastic as it would last longer and be more flexible than wood, but robust enough to survive the strimmer. I think it would need…
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Driving test Theory Q.
One of these Qs which provokes a "Well, it shoorely depends?" response… "What should you do when you are parked up in fog?" a) Put your parking light on? b) Leave your fog light and dripped beams on? Can't remember the other two options. To cut to t'chase, when asked (by daughter), I assumed that this meant you had pulled…
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There is always tomorrow
We live on a smallholding in rural Wales. We don't keep any other animals than horses that are oldies now and it is only me and DH at home. Compared with a few years ago there is a lot less to be paying for although the costs of previous years have caught up with us and we are paying loans and credit cards. The purpose of…
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Retailer refunded directly when credit card chargeback raised - thoughts?
Ordered goods online and paid by credit card. UK customer buying from UK- based retailer. Parcel arrived with some items damaged (due to inadequate packaging) and others having been substituted with inappropriate alternatives (i.e. beyond the bounds of what one might consider reasonable substitution). Raised matter…
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Energy efficient heating advice
Hi - we recently moved into a barn conversion property and are now considering our options for upgrading the heating solution and would really appreciate some advice from the experts on here. Relevant details are: - conversion completed in 1980s - solid stone walls, no additional insulation - open plan downstairs (6.5m x…
