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Heating alternatives, possibly LPG?
Hi All I’d like to
see what people here think about my situation for heating my home. I live in
part of an old broken-up estate house, which is listed. I bought this house
last year and survived the past winter just. The house has a wet central heating
system, which is currently driven by a 9kW electric boiler. I am…
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AXParis can they really refund me by gift card
Hi I purchased 4 items on 30th June, returned 3 a few days later via the returns portal and been sent a gift card for £130 instead of a cash refund. I have been advised that I selected this option online however I don’t recall seeing an option and definitely would not have knowingly chosen to get a refund by gift card.…
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Mib requested insurer details
First post so please be gentle. Hi Guys, We have been asked to provide insurer details by MIB. We did have a valid insurance while driving but It expired while we waited for an unexpected delay by the ferry company. The delay was from 7pm to 11am next day. I was travelling with mg disabled wife and 2 small children…
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Plum Cash ISA
Might be worth flagging up the terms for the cash ISA. I understood that I would need to retain for 12 months to get the bonus interest. At12 months I was told that the bonus would arrive at the end of the month. that has passed - no bonus. I contacted again and was told “at the end of the following month”. However, if…
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CGT on probate property - HMRC online
I’m due to pay CGT on a probate property sold by the estate before distribution. I’ve registered a complex estate and set up a capital gain tax account. When I’m filing the online CGT form, there is a question about how the trust got the property. The most likely options are either (i) inherited it or (ii) other. I’m…
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Disputing insurance valuation of a written off car with a new engine
I’ve never been through any of this previously, so not sure what the proper process is when it comes to valuations of cars when they are written off, so any help would be amazing. I was in a no fault accident a few weeks ago (third party admitted fault) and though a number of people who saw our car (including the man who…
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New windows
I am due to get new windows next week just wondering the process do they remove the frames from the outside upstairs and take it down on a ladder or bring the window through the house? I am also hoping not to redecorate but may depend how good the window fitter is?
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What do i get
Hi i am still employed and earn in the higher tax bracket, i have been deferring for 3 years in September, i plan to work another 3-4 years, so will have deferred for 6-7 years, how will i get the money back i have deferred, is there a lump sum available or is it tagged onto my state pension and spread over an amount of…
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Lloyds TSB CarSelect
Back in 2012 we bought a car from Lloyds TSB CarSelect through the CSMA Club. We can’t find any paperwork but a copy bank statement shows payments were made to CarSelect so they obviously were the finance providers. Neither Lloyds TSB CarSelect nor CSMA Club still exist so would anyone have any thoughts on where to send…
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SAD FART for a Freezer
We purchased a Beho freezer on 31 December 2023, although we had paid for it to be delivered, so we received it in January 2024. The seal has now gone as of today. It was purchased from Currys. I know it isn't covered under the 12-month warranty, and we never purchased extra protection. However, Martin mentions SADFART,…
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Book Easyjet holiday today or tomorrow?
It seems that you can book July 2026 Easyjet holidays now (even though the flights haven't been officially released yet - which I know means that the times might vary slightly). However, historically does anyone know whether it would be cheaper to book at flight release time tomorrow morning compared to booking it today?
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UK Fire Door Regulations for Landlords
Does anyone know what the UK Fire Door Regulations are for Landlords? I own a small studio flat that I have owned for 6 years with no problems and a happy tenant. Yet now am being forced by the managing agents to replace my front door and a laundry room door for £2,818.80. This is as part of a planned replacement of the…
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The Foodbank Donation Thread
Welcome to The Foodbank Donation Thread How can we maximise contributions to foodbanks, while keeping it MoneySaving? ------------------------- A note: this post does not seek to pressure people into donating to food banks. Not everyone is in the position to be able to donate alongside providing for their own family,…
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Personal Debt Advice - Credit cards with some complications...
I owe roughly £50k on 4 different cards. I've done this to live and pay rent because my business has tanked since the pandemic. I have not defaulted yet but i'm only a month or so away from this. I have nothing. No savings, no investments, no pension, and I rent. I've cleaned myself trying to survive the last few years.…
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Mislead by Estate Agent - Auction House with regards to a flat lease extension cost
Earlier this year I purchased a flat - one of a block of four through Modern Auction and a local Estate Agent. When I viewed the flat the estate agent gave me a hand written lease extension amount on their headed notepaper as there are only 49 years left on the lease, so using the amounts they gave me in writing, dictated…
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Run out of banks to switch to
Does anyone know of any bank accounts I can switch to? I've pretty much done all of them since 2021 (I keep a record). I want to get rid of my Barclays Blue Reward accounts as their Rainy Day Saver is dropping and I can get a better rate with Cahoot. I don't use Apple or Sports. If there aren't any bank accounts left, I…
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Home improvements in an Equity Release property
Hi, my Mum did Equity release on her property some years ago and now, she has been granted several home improvements paid for government grants through the local council as energy saving eg solar panels roof insultation and ventilation and heat pump installation and radiators. This should add some value to the property.…
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OutFoxtheMarket website
Has anyone else tried to access the new and (supposedly??) improved website with the name change to OutFox Energy? I can't get in at all. Coincidentally I was just trying to do this to report my meter readings when I got a call from some chap who knew my address and knew my energy provider and said that OutFox had asked…
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Surely not just an immersion heater?
We have just moved into a new build house - all great so far but we cannot work out the hot water system. In the garage we have a boiler (not combi) and a 300l hot water tank. We have a control panel for the heating and hot water where you can programme times for each. The instruction leaflet confirms this is two separate…
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How often to change toothbrush?
I have a Phillips sonicare and an oral b, but yesterday I ordered the newer oral b io. The toothbrush heads for this are more expensive and I don’t feel comfortable using any cheap fake versions. I use the sonicare in the mornings and the oral b at night. I know the usual advice is to replace toothbrush heads every 2 or 3…
