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Isca’s debt free diary
Hey, thanks for clicking! I’m in my mid forties, mum of 2 (15 and 11), married and work part time. We took a loan out in August 2024 to upgrade our car and for a couple of others bits and pieces. We have around £12,700 outstanding. We can make unlimited overpayments and are keen to do what we can to reduce the amount of…
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Letters of Administration de Bon is non
My wife’s father died 2016, my wife’s mum was suffering from dementia, she could not sign any legal documents so my wife got the letter of a administration for her father with her mum being the person she was sorting his estate out for. We were told at the time by her that the house was in both of their names, when she…
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MET Park ticket from 2023
Hi everyone, Background: Back in 2023, I went to pick up someone from Stansted airport, at night, and ended up getting a parking fine. However, to me this was odd, as I had done it before going at night to pick up other people and in another occasion I even stayed longer and never received any fine (lucky I guess?). As…
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The fair trade Practice
I saw someone post earlier but it didn’t quite answer my question,I took out a contract with the fair trade practice two years ago regarding the possible claim for car finance,which I think still hasn’t been fully decided? However my husband logged his himself and it was super easy,the fair trade practice sent me a further…
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Out of contract electricity
I have just found an additional meter on my premises which has been merged with the property next door which correlates to bills for an old business at the location. I know I have used the electricity but can I negotiate the charge as it didn’t sign a contract with this supplier
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Switch to a new fix early?
Hi there, new to the forum! Apologies if this has been asked before, but I need some help to know if I should switch my energy supply to a new fixed deal now (i.e. early), or when my current fixed deal* ends in May. E.ON have sent me an email offering an early switch - "to avoid potential price increases*" - to their "Next…
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Chargeback - where to go from here?
I recently placed an order for a mobile phone which included a trade in. Stupidly I sent the handset to be traded in before I received the new one (or was supposed to). long story short the new one didn’t arrive - raised a chargeback. In between chargeback being raised and refunded, the trade in handset was received and…
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Hargreaves introduction of charges looking for an alternative place for F&C investment trust
I have my F&C investment trust shares with Hargreaves "Fund and Shares" account pays no fees. From March I will be paying about £12.50/month.(£150.00/annum) I am a passive investor and have not bought shares for few years. Scottish Windows says no platform fees for holding shares. 1. Can I transfer my F&C from Hargreaves…
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Leasehold insurance cost
Good evening. I am struggling to understand why my leasehold flat insurance is so high. Currently its 380 a year without ground rent . We live in a maisonette. Doe's this amount sound correct to anyone or are we being ripped off. In the current situation we are really struggling with our bills of course like nearly…
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O/S Daily Monday 26 January 2026
Good morning all.
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Parking Eye - Charge Exceeding 90 min max stay.
Morning, I’ve just received a ticket through the post. I parked at a supermarket and exceeded the 90 mins max stay. I stayed 108 mins. 18 mins over the max stay. I’ve not appealed this with parking eye yet but I am guessing it will get rejected and popla is the next cause of action. My question is, is it worth it? Any…
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Pizza Hut/ DCB Legal/ MET Parking Claim
i would appreciate help in fighting this Court claim, i visted Pizza huit in hayes and did not realise it was closed, i went to the front door to check if it was open and then sat in the vehicle before leaving the car parking not realizing that i was meant to register my number plate in store, which in obviously could not…
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Which insurance companies accept No Claims Discount up to 3 years old
My wife's car insurance has 4 years NCD from April 2021. Unfortunately most insurance companies only accept 2 years max although I've heard some companies will accept up to 3 years. Only one I'm aware of is Admiral, are there any others? thanks
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How Long Back do you have to provide evidence for the Money Laundering Checks?
Posting on behalf of my parents who are the process of buying a house mortgage free. They are selling their current house and using some funds that have been sitting in a saving accounts for years to purchase the property. The funds were mainly inherited when my Grandmother died in 2010. They have now been asked to provide…
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TFLS from workplace still paying in
Hi all. Still employed still salary sacrificing every month into an Aviva workplace pension. Is it possible to take TFLS from this and carry on paying into it monthly as normal? I will not be wanting to drawdown any cash, just the 25%
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LPA and FSCS
I'm putting together my LPA and want to ensure that any savings and investment I have remain with organisations that are part of the Financial Services Compensation Scheme. All good so far but - what if the scheme gets replaced or renamed in future? Should I add "or its equivalent"?
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Shared ownership is this the best move.
Hi all. Just looking for a bit of advice on what to do in my situation. Basically approaching 40 we have 3 young kids and in private rent. I earn a decent wage, wife's stay home mum and she gets UC. So we need to get somewhere secure. But the house prices are crazy to buy literally cant find anywhere in a half decent area…
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Energy broker disputes
Buisness Reduction Services ( NW) I am seeking help and wondering if anyone has experienced or resolved a dispute with Buisness Reduction Services ( NW) and PreAction resolution reached, acting on their behalf . At 0717 I had a cold call from a private number . I had just recieved keys to begin work setting up my first…
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Best sub £200 android tablet?
Looking for advice on a good android tablet under £200. Looked at this as it fits important criteria. Long lifespan for updates (released in 2025)......plenty of RAM ( 8gb).... Lots of storage ( which is expandable) https://www.argos.co.uk/product/7801123?clickPR=plp:6:27 A model with a larger screen would be nice but this…
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Maximising Avios points
Hi everyone, I’m looking to refine my strategy for maximising Avios via credit card rewards. Currently, I use an Amex Premium Cashback card, but I’d like to switch to a new Amex to take advantage of a sign-up bonus. My understanding is that to qualify for a new member bonus, you must not have held a personal Amex card for…
