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Dentist won’t refund my deposit, even though I cancelled with in the time
My dentist policy on their website specifically states, “Patients are required to give at least 48 business hours’ notice to cancel an appointment. Deposits are fully refundable with sufficient notice as stated above.” I fall in line of this as I am cancelling 5days before the scheduled appointment and they are making up…
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Has Nationwide stopped producing statements for some accounts?
This probably should be in Savings & Investments rather than Budgeting & Bank Accounts but as it affects a number of Nationwide accounts I've posted it here. Has anyone else not had any statements generated for some of their accounts over the past two months? I have 4 Nationwide accounts, one current, three savings…
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Octopus Energy
We have a situation with Octopus Energy. We switched from Shell Energy to Octopus in November 2023 for electric and Gas. We have smart meters for both. We have discovered that Octopus have only been charging us for Gas and when we queried this in March 2024 as we saw that only Gas was mentioned on their Bills to us. They…
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PACE v Mr N Transcript
New here so please be nice. I am being taken to Court for not displaying a parking permit in my own parking space in a block of flats. I have located the lease to the property which gives me the unconditional right to park. There is no mention of any parking management or need to display a permit. With this in mind I am…
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Utility Point - Barratt Smith & Brown phishing scam
For the past year or so, BSB have been chasing me over email and text for a disputed debt of £46.40 on behalf of Utility Point. I've sent them multiple emails saying that I've never heard of the debt or received a bill from Utility Point. I asked them to send me evidence of the bill in writing (i.e., the actual bill from…
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Incorrect Energy account movement
Looking for some advice and Direction here, if possible. I live in a Flat – Flat A to be precise. Last Wednesday I received an email around 8:30pm from my
energy supplier – Octopus – “Sorry You’re Leaving”. I am NOT moving my energy account. I very swiftly replied to this as the email told me to,
saying I wasn’t leaving.…
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Part Chimney Breast Removal - Advice
Hi There, We've recently bought a house and need some advice! We have these 2 chimney arched alcoves in two down stairs rooms in our property, we've thinking the best option is to remove the arched area of the chimney breasts and keep the main stacks? - do you think this would be possible or very expensive? Do you have any…
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Will you get the 6.7% UC increase?
Simple put, you may not! The prehistoric and draconian benefit cap could prevent you from seeing a penny of it. This article from The Standard explains. P1 February 2024 (author Tamara Davison.) DWP benefit cap: what is it and is it changing? I apologise for not uploading the link. It seems that MSE prevents us newbies…
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Parking or Stopping?
I recently took a friend to Norwich & Norfolk University Hospital for for some outpatient eye surgery because, obviously, he was not able to drive himself. I dropped him off and subsequently got 'lost' in the extensive hospital grounds so I found a quiet spot in a remote part of the hospital grounds and stopped off the…
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Selling inherited property
Hi, my dad died recently and my sister and I are joint beneficiaries and also joint executors. I plan on doing probate myself as it seems fairly straight forward and his estate is uncomplicated. Once we have probate, what next? Do we have to transfer ownership of the property to our names or can we sell it without…
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Another Emma price change... best free alternatives?
Starting from the 30th of April 2024, we'll be transitioning the following functionality to our premium plans: Just seen Emma have got rid of more features from the free plan for the 3rd time in a year... any suggestions of the best alternatives from the MSE team/community? 🙏
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Newcastle Single Access ISA - 5%
Is it any good ? Wife fancies opening an account. I notice that the application form doesn't allow one to both transfer in and add new money......it's one or the other, can't tick both boxes. Seems rather strange. I guess they are only structured to do one thing at a time !
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Leak under kitchen unit, where is it coming from?
Hi there, We recently noticed a wave-like damp patch on the side of our wooden kitchen unit. It's grown over time and seems to have peaked now. I investigated underneath the the units and I can see quite a large sodden damp patch on the concrete. My first thought was the washing machine, but that's relatively new and we…
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Broadband & Landline Deals - Best renewal prices
There seem to plenty of deals online for Broadband and Mobiles but can anyone advise deals for Broadband and Landline, pls ? I'm with Fleur Telecom and paying around £42 to £46 per month, but there doesn't seem to be any competitors to this provider. Thanks.
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Bath only, no shower in concil property
Hello all I viewed the property today and there is only a mixer tap, no shower in the bathroom (even though on the advert it says shower over bath). I wasn't going to turn it down over that because you only get 1 offer and if you reject it, you are suspended for 6 months My question is, do I have to wait 12 months before…
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Shark Vacuum Model IWI1511UK
Bought a Detect Pro cordless model direct from Shark 15/11/2023. Its had light use as also have another vac for upstairs. I've noticed a build up of dust and debris in an inaccessible part of the cannister. Shark customer services say it doesnt affect suction but it looks unpleasant and I'm concerned it could turn mouldy.…
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New budget smart phone recommendations?
Looking for a new, sim-free android phone as a present for a young user. Not much over £100 if possible. Size could be an issue - UNDER 6" screen needed. Very grateful for ideas.
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Principality Online Bonus ISA Issue 4 withdrawal
POBISA issue 4 was opened in Tax year 23-24 with no new money and funded by an ISA transfer in 23-24. This is a "flexible ISA" and I intend to make a withdrawal soon. I believe I can replace this withdrawal any time this tax year 24-25 without the replacement contibuting to my £20k ISA allowance. I may want to contribute…
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Mortgage with Defaults
Hi, Probably a topic that has been discussed plenty. Just wondering if any mortgage advisors here could advise how big an impact 1 or any defaults could have on getting a mortgage whilst they remain on your credit file? I'm debating whether to pay off all my debts incurring big interest along the way or to allow them to…
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Should I claim my NHS pension
Hi I do not understand pensions and have a question I was thinking of taking my NHS pension when I reach 60 in June and then continuing to work in my current role. The pension I want to take is the 1995 section. Will this negatively impact me financially. I realise it's a final salary pension which is bad news for me…