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Octopus Go Intelligent Tariff - recent changes
Can anyone understand the recent changes? I've watched several YouTube videos and they all have a different interpretation of the new and highly complicated rules. It's very hard to make heads or tails. To make matters worse, a friend who's already with Octopus (I'm still considering, having now bought an EV) told me about…
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Parking charge for overstaying at petrol station services
Recently parked at a petrol station near Gatwick at which there is a Pret A Manger attached. I ordered two coffees and pastries and we ate in. I later recieved a parking charge notice for staying too long. We stayed 30 minutes. In this time we consumed food and drink and used the bathrooms. The fine is from Group Nexus.…
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Discrepancy in opening meter reading
Good Morning I have recently changed electric energy supplier and have a query on closing/opening meter read. My new supply commenced on 6th February and I have now received my final bill from old supplier. The closing bill indicates a smart meter reading on 5th February of 9149.1 and a closing reading of 9171.3 on 6th…
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Property insurance during probate for unoccupied flat.
I'm executor for a relative who has died, leaving an empty flat. I now need to insure this empty property until the property is sold. The funeral director mentioned probate house insurance or unoccupied property insurance. Any suggestions on how to arrange this - a specialist broker or one of the usual insurers?
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Settling in for the long haul
After avidly reading others’ diaries over the past five years, it feels like the right time to shuffle in and create a cosy little corner of my own. Following the example of those much wiser, I have cleared a large amount of debt, including a hefty overdraft, student loan, credit cards, bank loans (that were consolidated…
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??? Just had this appear on a family member's Samsung phone.
What on earth?
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West Yorkshire Pension Fund - AVC
AI Overview, Contributing an extra £5,000 to the West Yorkshire Pension Fund (WYPF) as an active member can be beneficial by increasing your retirement income and potentially offering tax relief. You can use Additional Voluntary Contributions (AVCs) for flexibility or Additional Pension Contributions (APCs) to boost your…
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2026: time to face facts and plan for the hard times ahead
Hello everyone, I've been a long time lurker under a different alias but have now created a new moniker to be a bit more vague about name and area of UK as starting this journey and will be posting for my own sanity and all your support I've seen so much across the years. I'm in a deep pile of debt that I've been servicing…
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Insurer renewal missing a closed claim + open claim shown as non-fault
I’m renewing with the same insurer and noticed some oddities on my renewal details. I’ve had two claims: A rear-end accident in August where my car was written off. The claim is still open, but the renewal summary shows the other party at fault. AFAIK these are treated as at fault until recovered? A notification-only bump…
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Need to stop spending and chasing dopamine!
Hello! I’m creating this diary to hold me accountable, as I’ve been trying to pay this debt off for 3 years now and I just keep kicking the can down the road so to speak. The good news is it’s all on 0% interest. The bad news is I need to have the most boring year next year (aside from a holiday) to be able to pay it all…
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2nd response to LBC from Gladstones on behalf of Horizon
Would be really grateful for some help with this: My mother got a notice to keeper for parking for 20 mins at Quality Foods Southall in June last year. The car is a leased vehicle, so neither me or her are the registered keepers. We got the initial notice fine letter from Horizon Parking a couple of weeks later addressed…
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Hotel Non Refundable booking dispute - Help/advice greaty welcomed
I recently made a Hotel reservation with 'Holiday Inn, Kettering' for a business contract in Kettering UK, 4 single rooms x 14 nights. The reservation was paid in full at a cost of £4760.00. However the original work contract changed and we subsequently cancelled this booking 5 days prior to arrival. We cancelled directly…
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How long to set up a DRO?
Hi folks For anyone who has or had a DRO, I was wondering how long in your experience it took to set up? Thanks in advance for any feedback.
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Struggling with additional pension contribution options
Hi all, I'm looking at additional pension contribution options for my partner, and I'm struggling with it. Some thoughts would be really helpful, particularly from those that have been here. I posted last year about standard or higher lump sum options when my partner, an NHS nurse now age 62, was thinking about partial…
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Consumer Choice
Hi Like most of us here im in a chunk of debt but starting to do something about.- Circa 35k Im self employed but the business is a partnership and i cannot risk this being affected in anyway I have spoken with Consumers choice about a DMP and who I have seen advertised all over the place and wondered if anyone has had any…
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PIP query. Can anyone advise please.
A relative made a claim for PIP 15 months ago. At the time they were seeing a Support Worker who filled in the paperwork for them and who was confident they would get both daily living and mobility. I was astounded when I saw the completed forms as there was just one sentence written for each question. No proper detail and…
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Clubcard Challenges
Anyone else doing these? Currently I qualify for 600 points or £6 in vouchers. If I spend £44 on certain items in the next two weeks, this increases to 2950 points or £29.50 in vouchers. As I have two easyJet holidays to pay for this means I get £59 off. I'm sure I could get even more. I haven't actually bought anything I…
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The Best Is Yet To Come
The Best Is Yet To Come - or so the front cover of my new diary says. I normally hang out in the debt free wannabes, but as I have had my diary on there for almost 10 year (yes the same diary), and have been debt free since April 2018 I thought it was time to migrate over to the mortgage free wannabe area. Please be gentle…
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Moonpig & Red Letter Days
Okay so I was gifted a £150 voucher for a one night stay with dinner for two for my birthday. I followed the link on the voucher to the Red Letter Days website and entered my voucher no. & PIN plus email and managed to get onto the RLD site, so far so good. So now I had a choice either continue with the above or chose a…
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Travel sim or local PAYG sim for USA?
I have a dual sim and e sim compatible phone. Travelling (San Fran, Waikiki and Vegas) and i'm basically after data while away. I have looked at several travel e sim providers, which looks like a good option, or am I better off picking up a PAYG sim when I arrive?
