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NS&I login problems
For years now, I have had trouble logging in to NS&I. They suspend my logging in, so I have to go online and change my password. Problem is, that does not work. I am asked to enter a Hash Key, which never works. Every time I change my password, it stops working the next time I need to enter money into my saving account. It…
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PC system update?
We have the acer travelmate b117 as below from you and we are getting a message saying "Windows 10 support ends in Oct 2025.Your PC doesnt currently meet the minimum system requirements to run Windows 11" Does this mean the PC will be come useless in Oct 2025? Is there anything we can do if this is the case?Also noticed it…
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Amazon - returns within 1st 12 months
I bought an air fryer from Amazon 10 months ago. Worked fine until a few days ago, but now fan makes a howling noise and the oven does not work. Amazon tell me to send it to the manufacturer, the manufacturer, Tower, say "Under the Consumer Rights Act of 2015, the first year of warranty on your appliance is the…
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Struggling with debt? Ask a stepchange debt adviser a question
If you need help with your debts, this is the thread for you. This is a new thread, as the old one was getting a tad long. Trained advisers from StepChange Debt Charity are here and waiting to answer your debt questions. They're a friendly bunch so please don't be shy! There are three ways to get in touch: 1 - Simply post…
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Civil Service Pension - Contributions
Anyone know how the contribution bands work for CSP Alpha? I work part time ( 4 days a week ) but my FTE has just moved
from £54,000 to 56,100 as part of the recent pay award. However if I was working 5 days a week this would mean contributions now jump from 5.45% to 7.35%
contributions – therefore my 3.25% increase is…
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Boiler in the loft, any issues?
I'm thinking of buying a flat and the boiler is in the loft. From the video below, does the setup look ok? Apologies for the poor clip, I could not get into the loft itself, had to stand on a chair and poke by phone through. I've been reading that certain H&S regulations. There is no ladder access I'm also concerned about…
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Using comparison sites to find car insurance for new car?
I am considering buying a new car and I am going to use comparison sites to check what the insurance cost will be. Will it cause any future problems if I compare half a dozen different cars on different comparison sites?
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Civil Service Pension & Tax
I was retired from the Civil Service on the grounds of ill health in 2013 (I was in the Classic Scheme). Due to circumstances, I didn’t claim it at the time; I am now looking at doing so. My annual pension will be 12k. MyCSP have confirmed that it will be back-dated (ie 12k x 12 years = £144000). What I was hoping to do…
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Selling a probate property - do they look into finances of deceased owners??
We are selling our parents property. Mum died in 2022, then Dad in 2024. Mum had given my brother & I some money before she died. I did factor this as gifts into calculating if IHT was payable as it was more than £3,000 and within the previous 7 years. But the estate was under IHT threshold so none was due. Now the buyers…
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Solved : Vax Rapide Carpet Cleaner - Not dispensing water
I have a Vax Rapide Carpet Shampooer - after 12 months and only 4 decent uses, it stopped issuing water onto the carpets even though a thorough examination showed no obvious fault. Vax Helpline totally useless. I looked on several "Self-Help" boards and found that lots of other frustrated people have the same problem, but…
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NHS pension - not sure whether to take standard or maximum lump sum
Hi all, I've seen some good informed discussion about NHS pensions here (such as https://forums.moneysavingexpert.com/discussion/6464889/nhs-pension-1995-section-delaying-retirement which helped a lot) and hope you can help with this. Partner is 61, in both 1995 section and 2015 scheme and wants to go for partial…
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Half hourly export data?
I got a smart electricity meter almost two years ago and ever since I have been checking my half-hourly import readings using the Loop app. and periodically downloading them, currently via the Glowmarkt website: https://glowmarkt.com/home . Recently my meter was granted an export MPAN so I would like to be able to view and…
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ECP , DCB Legal court claim 2025
Hi All I have had a letter of claim sent to me by dcbl after
ignoring everything from euro car parks and others sent to me previously. I overstayed at a carpark 11 minutes after the free time. It was a place where you could only get a
ticket by a mobile and I didn’t get one as I thought I’d only be a few minutes,
but got…
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Apple iPhone Battery legal case / group action
Just seen this ad on instagram regarding a group legal claim for the battery issue that affected the iPhone 6 and SE. I’m fairly sure I did own both of these but not sure about putting my details into this website? Does anybody know if it is a legitimate website regarding this? https://consumervoice.uk/action/apple-iphone/
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I want a Samsung Galaxy phone, what model and where to buy from?
Hi all, I currently have a Samsung Galaxy S9+ phone. Its starting to get a bit glitchy, and - after nearly 10 years, perhaps time to get a new phone! As you may tell, Im not a big phone user. I use it to listen to podcasts/youtube, whatsapp, perhaps take a few photos. Occasional I may even make the odd phone call! (very…
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Tembo ISA interest rate reduction
They've just announced: "From Monday 18th August 2025, the rate on our Cash ISA - Easy Access will change from 4.64% AER (variable) to 4.10% AER (variable).Last week, the Bank of England lowered its base rate from 4.25% to 4.00%. As this affects the interest rates that providers like Tembo can offer, we’re adjusting our…
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CLUB LLOYDS ACCOUNT FUNDING FEE.
Hello, I recently opened a CL account for the swich bonus, but I was wondering if you need to deposit the £2000 to not pay the £5 monthly from a non lloyds account? I also have the standard classic account, which l was going to use for the transfer.
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Is this letter to keeper POFA/Code of Practice compliant?
A PPC has sent me, as registered keeper, a letter (incidentally, it is headed "Parking Charge to Keeper", which appears to be an inadvertent slip that reveals the PPC's real intention). I attach a photo of the main body of this letter. The letter relates to an alleged breach of contract regarding the use of a drop-off zone…
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Find the SecondStar and soar, and then straight on till the morning…
This feels like an appropriate time for a finance thread. Story time: My ex partner and I broke up 2 weeks ago. We had been together for 4.5 years, we bought a house together as joint tenants 2 years ago, and had been combining incomes and savings for 2 years. We have separated our savings, and he is exploring options to…
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Yours magazine comp
Hi I had a letter in the post to say I won some tickets and to phone them, which I did. And the lady said I would hear the next day. But nothing has come through to my emails. Has anyone else had the same problem? And what did you do if you have.