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Switching one 12m Fix for another with Eon Next
Hi, My current Eon Next 12 month fix ends on 31 December 2025. As I'm within 50 days, I called them to switch to another 12m currently on offer which is slightly cheaper. They told me the switch would happen on 31 December 2025 rather than straight away. I questioned this and was then cut off. Does this seem right? If I…
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Joint Bank Accounts for Family Carers - Sensible or Not?
Wednesday 19th November 2025 Good morning. I’m interested on people’s thoughts concerning joint bank accounts for family members who care for elderly and disabled people. I have a family member (77yo) who lives abroad who, several years ago, shared a joint bank account with her aunt (100yo) at the time. The sharing of a…
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Handing in notice on my flat
Hi, so ive tried to hand in my notice on my flat through text message but the landlord is refusing to answer back. Ive asked him for confirmation of receipt and nothing, I have also sent him an email of my notice and still no confirmation or acknowledgement. There is no record anywhere I can see of his address so I cannot…
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Bond fund yields
I have a few
questions about bond fund yields. First, what is the best way to get an
accurate forward/distribution yield? Is HL accurate, showing eg 3.97% for Fidelity’s
gilt fund? Second, to what degree is
there a correlation between a gilt fund and a nominal gilt with a similar duration
(or is it the maturity of the fund…
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Why are sellers having to pay the buyer's protection fee on EBay if we, as sellers, accept an offer?
I don't quite understand how this works. If a buyer on EBay now pays their buyer's protection fee, why does the seller have to pay this for the buyer if the seller accepts an offer at a lower price? Surely the buyer should still have to pay the protection fee themselves?
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What classifies as Minor Alterations?
Hello, I am living in a leasehold ground floor flat that I have purchased for a few months now and would like it to be more homely. My lease has some missing pages so I can’t see what restrictions I have in terms of alterations. What forms of alterations am I allowed without arranging a license to alter? My future…
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I'm a little confused with ACI
I am a little confused with a debt that I am currently paying off, it was oakbrook loans and the debt was passed on to ACI. This is where I am slightly confused they don't appear on my credit file, I had letters from them in the past which have been Mr instead of Miss so slightly confused with that also as my friend who…
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No heat tonight, Worcester, Greenstar 18Ri, smart meters, Octopus Energy D/D
Hello all, we are both over 75 and our Central Heating has not been working this evening. So, we had our 11 year old 18Ri boiler serviced as usual about 6 weeks ago, the only comment being low inhibitor. A few days ago we noticed that the radiators had gone cold so I went into the garage where the boiler is and it was off,…
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Questions about a DMP and £50k in debt
Hi everyone, over the last couple of weeks I've been focussing a lot on getting our debt in order as our outgoings on paying of credit cards is unsustainable now that I've realised we're going about £230 over every month and using credit to pay for food etc. We have around £48000 across 5 credit cards, a £500 overdraft and…
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Personal Accounting Software UK Quicken replacement
Hi All, I know this question has come up before, but having trawled the previous responses I'm not sure I can see an answer that fits my needs. I am looking for some personal accounting software to keep a track on our spending and fixed expenditures. Some time ago I was using using Quicken and absolutely loved it. It just…
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Transfer out from Aegon Retirement Choices to II
I want to transfer my pension from ARC to II. I already did a partial transfer about a year ago, and at that time ARC was available as an specific option on the II selection screens. However that option has disappeared and now the options are: Aegon Investment Solutions Ltd Aegon cofunds Aegon Aegon Scottish Equitable…
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Compensation for delayed flights Discussion Area
This discussion relate to the Flight Delay Compensation guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
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Hsbc online login
Hi Usually when you go on their website to login to online banking it asks you to generate a code from your mobile app. But now it asks you to login to the app and scan a QR code that appears on the website. I have tried scanning the QR code several times but nothing happens... Anyone else had this issue?
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PCN escalated to solicitors, for my cleaning contractor doing my end of tenancy clean - more inside
Hi MSE forum, There’s a fair few details in here, so sorry if it turns into a long one. I’ll try to be concise. back in March time my old flats management co. told us they would be introducing permitted parking for our car park to start in June 25. Our tenancy agreement said we had unrestricted access to our flats…
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Costco tips - guide discussion
We want to cut through the hype and check if Costco’s worth it, so this new guide includes tips including how qualify without realising & petrol savings alone can pay for the membership. We also put Costco to the test, pitting it against the supermarkets for festive faves, from fizz to pigs-in-blankets. We'd love to hear…
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C1 Scotland Inventory
I have done a Scottish C1 Confirmation submission but I'm encountering hurdles getting the format of the C1's inventory accurate and theres nothing online with which to compare. The Sheriff is knocking it back due to 'formatting' issues and HRMC, when questioned (given it's their form), tell me they can't help and I need…
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Storm blew roof tiles off
During last weekend with there being a storm and high winds it’s caused some significant damage to my roof we have rosemary tiles which have blown off and smashed all over the garden leaving 3 holes in the roof which has no felt on so you can see daylight. I’ve contacted my insurance which they instructed a surveyor but he…
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How do I sue car rental company for deducting monies from my Card for ALLEGED damage?
Hi all I want to take a major car hire to court because they have deducted over £250 from my credit card for the items below, which I dispute. Basically, I was involved in a RTA that wasn't my fault. The other drivers insurance repaired my car and gave me a curtesy car (provided by a huge, well known Car Hire firm). I had…
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DCB Legal Defence Para 3 November 2025 help
Hi all. Thank you so much for this webpage, was really stressed about the threatening CCJ letter. I have submitted the MCOL and will be uploading my defence very soon. Hoping someone is willing to have a quick look at my Para 3. I'm not the smartest guy in the world and want to get this right. I will be using your template…
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Selling a Cartier watch
Does anyone have any suggestions of where I can get the best price for selling a Cartier watch ? It is over 40 years old and I do not have the original box or paperwork. It has been serviced and had regular battery changes from Cartier. I do not want to sell it via eBay and would rather go into a shop - ideally in the…
