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Cross Stitch and Craft Cafe 2025 - come in, sit down and join us!
Hello everyone and welcome to our shiny new Cross Stitch and Craft Cafe 2025 thread! Please do join us in sharing your makes, your successes and your WIPs - we love to see what everyone is working on. My 2025 list to follow! Coxy xx
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Year on year fixed rates - Octopus
I usually fix for 12 months year on year with Octopus. This year my fixed rate is due to end on October 4th, and was contacted today to undertake a new fix. Looks like if I take the offer of fixing for today I'll go onto the current August rate (2025v1). It generally seems that there are maybe 2 versions each month and…
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Economy 10 & Smart Meters
I have an all electric house with 2 meters. The underfloor heating [acting as a storage heater] & hot water are heated from an Off Peak meter with 7 hours at night & 3 hours pm boost.EDF have just informed me they are replacing my 2 meters with a smart meter.I have no idea what this means for meI presume it means I have…
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On-grid domestic battery storage
Hello! Right, as discussed elsewhere, battery storage for self generation (typically PV) is interesting (to some), and gathering momentum in the UK. So here's a thread to discuss it, and watch it develop. I've called it on-grid, as off-grid is so much more specialised. And domestic as commercial scale storage, or grid…
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Letter received from Klarna Final Notice - I've never even used Klarna!
Dont know if this is right place to post mods please move if not! Received a letter stating theyve unsuccessfully tried to contact me regards to an unpaid purchase made in March this year for £124 on pay later credit agreement. Ive made no such purchase and never ever dealt with Klarna, or the merchant (DHGate) before.…
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Never had a water bill in 3 years. Got a letter today 😵💫
Hi folks, I’m new here, hope this is an appropriate thread. I moved into a new build property in 2022 & contacted the water provider, but they never sent me a bill. I only contacted them once, & as bad as this sounds I didn’t pursue & thought perhaps water bills were included & then genuinely forgot all about it. Yesterday…
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P&O Bookings - DON'T USE SAVER FARE!!
I
booked a cruise (J511) to Iceland/North Norway in April 2025
departing on 1 August 2025 and paid in full for a balcony cabin by
Saver Fare. Customer
Services called me on 14th July stating the balcony cabin I had
booked and paid in full on 25th April was not available. Instead I
was offered an inferior cabin with a…
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Private Car Park PCN. Would you let this go to court?
Hi, not quite a newbie but I've hardly posted on here. I've read the thread on this subject so I'm just seeking peoples opinions on if I should risk taking this to court please and one other question. So I didn't buy a permit in a car park I entered. I didn't do so because I'm a blue badge holder and thought I was exempt.…
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Blue Badge displayled without clock
I parked outside of my gym in October (Merton council) with my blue badge but not the clock. At that point it was a habitual thing to not use my clock but after receiving a ticket I've since bought a wallet. Anyway, I appealed on the day and thought they'd throw it out but they came back to me in January and rejected it. I…
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Interactive Investor - calculation of 25% tax free cash when holding Index Linked Gilts
In common with many platforms, Index Linked gilts are shown in my Interactive Investor portfolio value at the clean price. Obviously, the market price is much higher. When I come to take out 25% of my portfolio as tax free cash, do the Index-Linked gilts get uplifted to the current market price in determining the value of…
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Pay off morg, or keep saving?
Got 3yr left, around £25'000 left, coming to end of a fixed which was low % had brief look, it would go up by about £40/month if remortgaged. No CC or other debt, apart from PCP car, savings would cover paying off, and leave around 10K, could then start saving again to boost back up. Plan to work for another 3-5yr at…
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July 2025 Grocery Challenge
Welcome to the seventh Grocery Challenge of 2025! As always this challenge is to reduce your own grocery budget to levels that you will be pleased with, not forgetting that we always recommend that you stay inside your own comfort levels and take things gently one step at a time. Remember that this is not a…
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Closing dates for buyers are increasing exponentially (Scotland)
My niece is a first time buyer and it looks like she can't compete with the current practise of very quickly going to sealed bids only weeks after a property is listed. She has bid 20% over the Home Report in three instances and been outbid each time by a substantial amount. It really is a gamble as buyers could lose a…
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Rolls Royce Share Price
Hello you very wonderful and amazing individuals that make up this forum. I sincerely hope you are doing well. I note recently that Rolls Royce share price has increased rapidly and the Earnings Guidance has increased. Can i please kindly ask has any other Fundamentals changed within the company for us to see this rapid…
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Cruise with on board credit taken away
Has anybody had experience of their agreed on board credit being taken away once the confirmation has been signed and received. A new booking reference number has been issued and the agreed on board credit has now disappeared. Cruise company contacted and they say they are allowed to do this. It seems wrong to me as it was…
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Opening a savings account for my 3 grandchildren
Hi, Im looking advice on how r where to go to open savings accounts for my 3 grandchildren. I assume they have to be opened in each child's name, ages are 7,5 and a baby. We're in Northern Ireland, the kids are in England. Do I have to get permission from my son and his wife to open these accounts and do statements have to…
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No SD refund on a cancellation?
I've only just noticed this, Buyer purchased an item and paid. The postage amount was deducted from the sales price (was listed with free postage) Buyer then said they had made a mistake so I cancelled the sale using 'Buyer asked to cancel ' The refund taken from me was the full sales price but the postage amount has not…
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Outside tap needs attention
My outside tap has been difficult to turn off fully for months now and it's started leaking through the gland now too, so it needs sorted. It's been there more than 24 years. I'm just looking for advice before I tackle it. I've done loads of DIY, including plumbing and have a good range of tools, so I'm reasonably…
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Please help me to choose a new business/personal account
Like many I have just been told that Santander will be charging me £10 a month for my business account so I need to close it. I run a hobby business with a small income of about £1500 a year and outgoings of about £500 a year. Money comes in from sales and I just leave it in there, then when it's reached about £3000 I…
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Possible asbestos in artex wall
I have an old bungalow which has artex in a wall in the kitchen which ive been told may have asbestos fibres within it. Problem is ive recently had a rewire so part of the chasing was done in that wall before the cables were run through and then finally re-plastered. So, the asbestos, if its there, will have been disturbed…
