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Overpaying on my Natwest Mortage
I'm currently 12 months in to a 5 year fix at 4.5% with roughly £190k left to pay over 29 years. I want to overpay this year as I don't think interest on my savings is going to better the rate of my mortgage. I don't want to reduce my monthly payments but I've read that if you overpay more than £1,000 it automatically…
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Consumer rights after warranty expire date.
I bought a Philips soundbar from Amazon in 2023, after the latest firmware update trough Philips sound app soundbar does not have sound output, so I contacted Philips customer care and they referred to reach out retailer which is Amazon. When I contacted Amazon customer care they could not help because of expired 2 year…
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Scotland, ADP, LCWRA, and Rent question
Son is in receipt of ADP (high living, low mobility) and LCWRA, currently still living at home. Son wishes to move out to live with partner and her daughter, which we wholeheartedly support, and have been working towards. We have a couple of previous homes available, a three bedroomed house which is rented out and still…
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Short transit time in Dubai
I am booked on a flight to Australia in two weeks time. Origionally the transit time at Dubai was nearly 2 hours but the flight time from Glasgow to Dubai has been extended, due to the new route they have to fly, and now I only have 1 hour 15 minutes. I am travelling business class so should be able to leave the pane…
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Personal Lease Insurance
I have a new car ordered under a personal lease agreement with Kia. 2 issues seems to be causing me a headache for obtaining insurance: In the T&Cs it states… "You will also have to ensure we are named as owner and loss payee under the insurance policy"…Insurance comparision websites dont seem to draw out this point, even…
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Right to return flat-pack furniture that has been built
I bought a table from Next online, which came flat-packed. Having assembled it, I'm not happy with it and wish to return it. It's not faulty. I spoke to their customer support via webchat and was informed their refund policy has an exception for this: Please note large furniture items cannot be returned if they have been…
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Euro Car Parks - Notice to Keeper
I wonder if you can advise me on how to deal with this please. My partner received a Notice to Keeper (issued on 13/8/25) from Euro Car Parks for parking @ the Blackheath Road Greenwich retail park from around 8.45pm till 10.45pm. He is being asked to pay £100.
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£2,576.79 to clear by March
£956.15 on one credit card, interest free period ends 16th March £1620.64 on the other, interest free until the 1st March It's entirely possible that I can't quite manage and end up doing a balance transfer, but this diary is to give me the accountability to try my best. We've had a tricky year financially after my husband…
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Solar panel Certification
Hi, Can anyone please tell me how to get the Certificate I think is called an MSC. I had Solar panels fitted back in June last year and need this certificate to start claiming the money back from my electric company for the excess going back to the grid. I have phoned the company a ridicules amount of times and several…
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Oil supplier cancellation of original order
Goff petroleum just cancelled my heating oil order. They cited an "unexpected influx of orders" due to the global situation. However, it appears they may be fulfilling orders at higher market rates using existing stock that was originally committed to lower-priced contracts. This market requires stricter regulation to…
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Cynergy Bank Isa transfer out
Just wanted to ask if anyone has transfered out an Isa from cynergy bank? What details do you need to give to your new provider? On my bank app the my 1yr fixed isa doesnt have the standard 8 digit account number. My I click account details I see a Ref number and below that account number as a 13 digit number . Sent them a…
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Redundancy, UC and loan repayment
Hi all, My partner may be being made redundant in May with a pay out of £13k. We are in receipt of UC as join claimants with two dependents. We are both employed me full time and him part time. My question is would we be allowed to pay off our debt before we submit our savings? We had a meeting with the job centre today…
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Chip ISA and bank access permissions
I've had a Chip ISA for some months now (run through an app on my phone), and while I am satisfied with the interest rates and account features, I noticed something a bit odd. Periodically, the app asks me to renew permissions for Ship to look into my bank account. Or at least, that's what it appears to say. It seems that…
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Refix now or wait?
I have 3 ISAs and when they mature (all at the beginning of April but different years), I normally transfer on date of maturity to a new fixed more often with a different bank and I'm tending to fix for longer. Last year I noticed that if I'd waited a couple of weeks the interest rates improved later in April. I don't know…
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CCA request
Hi everyone, I posted a few months back regarding making full and final settlement offers on some of my debts and received the advice from members here to send CCA requests to my creditors first to check whether the debts are actually enforceable. I’ve now had a couple of replies back. The responses mostly included…
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Sleepless in Liverpool - worried about debt
Hi folks, I am a bit embarrassed by the situation I have got myself into, and whilst I see from the forum there are other people with much more larger debts than me, it is keeping me awake at night and causing a lot of anxiety for me. So, I am a single guy who lives in a three-bedroom house on the outskirts of Liverpool. I…
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Concerns over creditor contact
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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About to move and want to insure my possessions for the move
Hi all, I am about to move in a week or two. I am most worried about moving my TV, which I paid around £1400 for a few years ago. It is covered by AO Care insurance, but it seems that doesn't cover the transportation of the TV. I am going to be using a 'man with a van', which I understand may cause problems insuring my…
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Easyjet cancelled my flight and won't reinburse my expenses as I accepted a refund for the flight
Last year I was at Nice Airport waiting for my flight to Bordeaux when it was cancelled about ten minutes before boarding. No explanation was given. I had a wedding to officiate the following day, so getting home to the Dordogne was essential. We were told we could claim expenses if we arranged our own transport, so I…
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Share Sale at Loss & CGT
I am looking to utilise my CGT allowance for the year of £3k. I have some shares with small losses since purchase and some with gains. If I make say sales with £4k of gains but also some others with £1k of losses do I have to declare this to HMRC or as I long as I keep records am I ok if I keep within the £3k limit net?. I…
