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So much for winning your case if you have proof of delivery!
I always thought that if a buyer opened a case against a seller for non delivery that you were safe if you had tracking showing proof of delivery. I had a buyer purchase one of my items, nothing major £7. He paid on the Tuesday night and I posted Wednesday morning. However, Tuesday lunchtime I get a message ' I want a…
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No point with hotpoint?!
Hi all, looking for some help with hotpoint. We have a washer dryer that is 18 months old. It was first repaired about 6 in as it was leaking. 2 weeks out of warranty, it started leaking again so we took extended warranty and called them out to fix it. The day they were due they showed up almost 3 hours after our time slot…
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CETV for DB pension for divorce
Hi hoping someone can advise on whether I’m missing something. I’m preparing for divorce and want to know the value of my DB pension. It’s a closed private sector DB scheme administered by WTW. I’m a good few years before I can draw from it. It’s about £26k/y last annual statement. I also have DC components in the same…
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DRO pre application worry.
Hi, step change have recommended a DRO for 45k of mainly Ccard debt. i have an overdraft in a joint account, what should I do about this. How are mobile and device (in contract) handled, step change left it in my budget.? Also this is the first month my Ccards have come off 0% and I’ve never missed a payment (switching and…
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Three parking fines at Tesco Hove by Horizon
I have recently received THREE PCNs from Horizon. I am the keeper, not the driver. I have successfully appealed on the PCN issued on 13th Oct 2025 for a parking event on 23rd Sep 2025 (the first parking ticket, received by post around 20th Oct), quoting their PCN was not compliant with POFA and also attached a shopping…
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A Totally FREE Christmas 2026
Totally FREE Christmas 2026 A very warm welcome to everyone <3 The object of the Total Free Christmas thread is to think creatively about how to reduce the cost of Christmas down to it's lowest cost which is ultimately totally FREE. Christmas 2026 is no different to 2025 with the exception of a very sad increase of what is…
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Bricks Not Books
The first day of a New Year seems like the best time to start this diary! I was on this board under another name for a number of years, but I felt like a change of name as well as a change of diary, so here I am! Completed on new home with OH in December, we haven't even owned it for a month yet. But we have a mortgage of…
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Should I go off-grid?
I live in quite a modern house down a road with lots of other houses on the outskirts of town. I believe the house has been supplied with electricity and gas ever since it was built. Until about five years ago, I used ebico to supply my energy. It was great because there was no standing charge. By not heating my house and…
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Saving for granddaughter, have I missed anything?
Hi We're currently squirreling a bit away each month for our granddaughter who will be 3 in Feb. Plan is to give it to her when she's 18. We've just been putting it in a high interest easy access savings account up until now and she's got about £2K. The plan is to add £60/£70 a month to this for the next 15 years. My…
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Finally learned my lesson
Hi, I have been in debt since the age of 18. I am 49 now. I am paying off a DMP with 6k left. I have 5 credit cards, all with a 0 balance. I log on every day and it fills me with joy to see a 0 balance. I use them but pay them off in full every month so I never pay any interest. This is my 3rd and final DMP. I'm so happy…
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APCOA PCN Manchester Airport Drop-off
Hi Guys, I recently received a PCN notice from APCOA about a drop-off at Manchester Airport. I know you can usually ignore APCOA, but I don't want it to escalate into a CCJ and affect my credit score. I've also been advised to appeal to APCOA, not admitting to who the driver was, and also asking them to provide the…
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Admiral Law Refusing to Pursue My Non-Fault Claim – What Can I Do?
Hi all, Nice to meet you all virtually. This is my first post so please be kind. Looking for advice on what to do next regarding my insurance claim. Context My wife was in a non-fault accident: she turned left out of a garden centre and came to a complete stop to let an HGV exit a yard. The HGV then swung wide and hit the…
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SIPP part Crystallised and Future Contributions
Hi All, I'm getting confused on what my limits are for contributing to a pension after I part crystallise and take a 25% lump sum. If for example I have £400k in my fidelity sipp, and I crystallised £100k of this I belive I have two pots.. one of £300k and one of £100k. If I then take £25k tax free out of the £100k pot,…
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usd saving account with high interest rate
Hi, I would like to use a usd saving account with high interest. Please do you have any recommendation?
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Euro Car Park - Bury st Edmunds - Robert Boby
Hi i recently parked in the Robert Boby car park. first time, havent been there before, and dont live that close. I parked there, it was dark i did not see any signs at all. wasnt looking though as thought was only going to be 20 mins, ended up being 1 hour.. as its a retail car park, away from the town i was not expecting…
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No Smart meter can be supplied
My daughter and her husband moved into a house in the countryside on Scotland about 18 months ago. It is very picturesque but is 'semi-remote' in that the nearest town is about 2miles away, with a major city about 25minutes drive. They have recently had a baby so the need to keep the house warm is a priority. Since that…
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Octopus Energy lost our smart meter data for 17 months – now wants to bill on estimates
Hello, I’m hoping for some guidance (and possibly visibility) on a long-running issue with Octopus Energy. We have a solar PV and battery system that operates on Octopus half-hourly smart tariffs. Our system deliberately buys electricity during low-price periods and exports during high-price periods, so accurate…
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Advice on declaring claim when getting renewal quotes
Hi, I am just in the process of getting quotes to renew my car insurance. In December 2024 we had a thankfully relatively minor accident and had to make a claim for the car to be repaired (the value of the claim was 5.5k). All was settled and is fine. It was my car and the policy is in my name but my partner (a named…
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How accurate are your PV generation figures?
I was impressed by some of the generation figures reported on the “talking ‘bout my generation” thread in December. I am curious, however, how accurate some of these figures might be at this time of year. I have noticed this month quite a wide variation between the figures recorded by my inverter app, my generation meter…
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Car Radio Unlocking - Part 2
Hi all, I notice the previous Car radio unlocking thread has been closed (yesterday) so thought I'd see if I could start another as I cannot see any other thread!Anyway, I've a Blaupunkt CD43, Serial Number BP026318419367 which I took out of my car a few years back and now I want to refit I can't find the card the code was…
