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Survey booked.
Hi all. Not sure I'm posting this in the right place but finally in a position where me and my partner are looking to move into our dream home. Sold our house and sale agreed another. Our buyers have booked a survey for 2 weeks from now and I've never been as nervous in my life. We've been on the property for over 20 years…
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One step at a time
2024 has been a big (and expensive) year. I got married! We also moved into our ‘forever home’. Weddings and moving house are so expensive, and I am now looking towards getting a hold on our finances in 2025. I have been on the MSE forum for years, and contributed to some threads particularly on the old style moneysaving…
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Do I need to pay for a Credas ID check for my purchase when I've already done one for the sale?
I started the process of selling my house and now I've had an offer accepted on a house I want to purchase. Their estate agent is saying they're gonna send me a Credas ID check which I'll presumably have to pay 35 quid for, but I'm sure I already did one and paid for it with my house sale. Is it normal to have to do this…
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IVA Final Review
Hello, I am in my final year of my IVA can anyone tell me what to expect with my final review? Is it exactly the same as the annual review months bank statements, 12 months payslips and P60 or do they ask for more evidence?
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Qatar Airways policy
The policy shown seems relevant to normal operations not the scenario we see today. 2 changes in 14 days from original booking are irrelevant. I’ve already had 3 flights cancelled and 14 days from our original booking will soon pass with no available flights (Sri Lanka to Heathrow) Could the Qatar policy be reviewed by the…
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Octopus 12M Fixed March 2026 v4
new tariff out, another price increase V4
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Received letter from QDR solicitors
Hi, I have received a letter out of the blue from QDR solicitors on behalf of ZZPS claiming that I owe £170 (originally £100) for insufficient paid time in a car park nearly 2 years ago. I have not had any previous correspondence about this and I have no idea how long I paid for and how long I apparently overstayed. I'm…
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Fuel prices and the war in Iran/ Lebanon
Why are fuel prices increasing when the product is the same as yesterday?; i.e. not affected by an increase in crude prices.
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Income protection for part time job?
Hi I work full time and my wife works part time. We are both 40 years old and have one dependent, under 18. My salary makes up around 80% of our household income and my wife's around 20%. We are very fortunate that my salary covers our monthly experiences. We use my wife's income to make additional contributions to our…
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Employment contract - enforcement of conditions after termination
I have a contract of employment which contains a clause saying that I can't work for a rival for 12 months after leaving the current employer (and another clause saying I agree that the first is a fair clause). I don't understand how any clause in a contract can be enforced after the contract (after the employment) ends.…
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In a panic please help. AET self employed carer transitional protection ending
I have had this message from UC saying we are no longer entitled to it but I’m sure it’s wrong. My partner is self employed and I am on contributions based ESA & PIP. As far as I know AET doesn’t apply because he is self employed, have I got this wrong? “You no longer meet the criteria for transitional protection as within…
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Can a life insurance cancel my policy just because they want to?
I have a had a company group life insurance for over 20 years now, and kept it even after retirement. The monthly premium being taken out of my salary/pension automatically. I have just recieved a very impersonal notification that they have decided to end the existing group scheme. I've been given a months notice, and been…
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Mortimer Clark / Ratesetter
I was wondering if anyone else has had the above lovely combination? I found this one interesting as Ratesetter got bought by Metro during all this and I often wonder how likely it is to get paperwork. Cabot have been quite quick to go for CCJ route, makes me think actually there is no paperwork for them and are trying it…
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Many people seem impatient with investing
Is it just me or when it comes to investing people mot only illiterate but are also are very impatient? I keep my investing simple: global index fund and a bond index fund in a stocks and shares isa. I am still rather young so the majority percentage is made up of equities and a smaller percentage in bonds. I also have a…
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What does renew account mean?
Hi I've made too many withdrawals on my Club Lloyds Advantage Saver account and the rate's gone down. Rather than open another one, transfer the money to the new account and then close the old account, can I just 'renew' it to get the standard rate back? Is renew the same as close and open? Thanks.
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What are good online shops to buy computer parts.
Ebuyer.com used to be reasonably good but last year it went out of business. "A winding up petition was issued against the company by their landlord on 1 August 2025 and the company was acquired out of administration by Frasers Group on 13 August 2025." What remaining UK suppliers are there excluding places like ebay or…
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LGPS - BUYING EXTRA PENSION
Hi, If i was to buy extra LGPS pension of 2k (A surplus after AVC TFLS) will the amount of £132.98 from the LGPS calculator be a monthly or annual amount? I am taking VR aged 59, will that make a difference to the figure? Thanks
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RICS - Open cell spray foam
So I've seen this https://www.mortgagestrategy.co.uk/news/rics-launches-guidance-on-the-use-of-spray-foam/ And I guess that's their "latest advice" What do people here think of that? I take it as there's still no definitive answer from mortgage vendors as an industry They've mentioned what Nationwide say but there's no…
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Should I redo my EPC?
So The plan is to get a heat pump before 2030 as I'm not sure what happens with the next government so I don't have this atm, and atm it can actually reduce your EPC score potentially My mortgage is due to renew next year. I've noticed some providers have "green" mortgages available to those with an A or B rated house.…
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British Gas back billing
I’ve been a BG customer for many years and have switched tariff with them a couple of times during that period. I pay by DD every month. last year I noticed that BG had not cut a statement since March 2024. I contacted them and they said there was a technical issue with the smart meter (I had daily gas and electric usage…
