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  1. Thank you! I'll check those out to see if they have apps I can use on my phone.
  2. Hi Guys I am currently looking for a car to buy and am looking on FB and Gumtree and I might also go to a couple of car auctions. What is the reliable and popular source for finding out the value of a car? I've just seen a nice Ford car and the price seems reasonable but I have no idea whether it is overpriced, underpriced or current value. Your advice would be appreciated.
  3. There isn't a pilot flame on the boiler but it has a flourescent blue light showing a number. Only the central heating uses gas. Thanks.
  4. Thank you everyone for your input! I hadn't considered that the boiler may still be using gas even when not being used. The Ideal boiler was installed about 5-6 years ago. I have never looked at my usage data so maybe I should.
  5. Hi Guys I moved into my new home 2 years ago and it already had a smart meter. I switched to Utilita (gas & electric) because there is no daily standing charge. However, when I spoke to them in October the agent said that I had used gas during the summer months. The central heating is the only thing that uses gas and I had no reason to turn it on during the summer as I use fan heaters instead if it get a bit chilly. I accept that my monthly direct debit needs to be increased (currently £50 for both - one occupant) but I wonder if there is anyway that I can prove that I wasn't using the heating during the summer. I had assumed that the payments I was making during the summer for gas would have been credited to my electric account but was shocked when they told me that there wasn't any credit. They say that I now owe about £500 each for gas and electric but as they didn't alert me earlier to the fact that my monthly payment was too low, they are willing to set up a payment plan for me to repay this. This is the first time I've had a smart meter and I would like to know if it's common for them to give inaccurate readings? I will set up a payment plan with them but would also like to know if I can switch supplier in the meantime? Can I refuse to have a smart meter? What is a better option? Your advice would be much appreciated.
  6. Thanks guys for your replies. I did apply for an Aqua card several years ago to improve my credit score and continue to use it. I'm a landlord with a number of BTL mortgages and a couple of other credit cards and a loan but no defaults so I'll apply and see what happens. I don't know how the credit scoring system works but remember hearing someone say that we should wait several months after being declined so I assumed that applying for credit again too soon would have a negative impact.
  7. Hi Guys In November, I applied for a post office credit card and was declined despite having near perfect scores with Experian and Equifax. I used an eligibility checker first and it showed that I had a 95% chance of being approved so I felt confident to apply. However, while filling out the application form I did notice that there were no fields to enter information as a self-employed person but I proceeded anyway by entering info about my self-employed status so it may be that they only approve those that are employed. I received a letter from them confirming the decline but they didn't give a reason. It said that they used Experian. For several years I have had an Aqua card and they have increased my credit limit quite substantially. Over the last 6 months they have sent me a letter every month encouraging me to apply for a loan for up to £5,000 using the loan code they sent. I want to apply for a loan because the rate is 3X lower than their credit card rate. However, I'm concerned about my credit score being negatively affected again I wonder if someone could tell me how much time I should allow before applying for credit/loan again. Your advice would be appreciated.
  8. Hi Guys I've been using Airbnb during my travels for the last 8 years. I recently stayed with a family in Scotland and on arrival was introduced to the family dog (a golden retriever). The listing stated that it's a friendly dog and I know that this breed has a good reputation for being a great family pet. When I arrived at the house I received a warm welcome from the host, her husband and their children. I was then introduced to the dog and was encouraged to stroke her so that she would be familiar with me. Later that evening the host, her son and the dog came into my room and we were chatting and again I was stroking the dog and there was no problem. However, on the 2nd evening when I saw the dog lying outside the kitchen door which is opposite my room, I approached her and was stroking her on the head for about 30 seconds when I saw her lips curl up as she started growling. Obviously, I knew that wasn't a good sign so I quickly jumped back but she still managed to bite me on my right hand but because I jumped back she didn't break my skin. I know this is unusual behaviour for this breed but what the host told me on arrival was that the dog is terminally ill with cancer and she pointed to the dog's stomach to show me that she has a massive tumour. The following night when I had to go to the bathroom in the midddle of the night, the dog started growling as I was coming down the stairs to go back into my room (the dog sleeps outside the kitchen and I had to go upstairs to the 1st floor to use the bathroom). I believe that the illness is the cause of the dog becoming temperamental but the host is blaming me for approaching the dog. when I reported the incident to airbnb they suggested that I request a refund from the host. However, when I made the request the host said they disagree and put the blame on me. I had stayed 4 nights that cost just over £200. I would appreciate some advice on where I stand with this. I'm not trying to gain a large sum of money out of this as I wasn't injured but it was a frightening experience and I was very wary of the dog after that. I personally don't think a refund is an unreasonable request but as they're blaming me for approaching the dog that they introduced me to I am now considering the next step. I would appreciate any legal guidelines on this matter. If anyone has any factual information then that would be really helpful.
  9. Thanks for the additional replies. My door will stay firmly shut in their face!
  10. Thank you to you all for your replies. It's unlikely that I'll have any interaction with an agent because I don't usually open my door to unexpected callers. Initially, I did think about contacting them to let them know why I don't need one but the more I read their threatening letter the more it annoyed me. Also, if I did contact them then that would probably open a can of worms as they'd have my name and would probably keep writing to check if anything has changed.
  11. Hi Guys 4 months ago I moved into my new home that already had a dish and aerial attached. I haven't had a TV for years so got out of the habit of watching TV (and I don't miss it!). I do have a laptop, ipad and mobile phone (laptop is used for business and ipad used to watch youtube sometimes and play music). I have received several letters from TV licensing and an officer visited last week but I wasn't in. The following day I received a letter (addressed to dear sir/madam) saying that an officer visited and that they will be proceeding to the final stages of their investigation. One of the options states "we can apply to court for a search warrant to gain access to your property". I ignored the previous letters as they weren't addressed to me and wasn't aware that I needed to respond. This last letter has made me quite angry so I want to know if they really have the power to obtain a search warrant to look for a TV? If this is true then I'm absolutely astounded that they have such powers for something so minor. This seems very draconian to me! Please move this post if I've posted it in the wrong place as I wasn't sure.
  12. Hi Guys, I want to apply for a 0% credit card to do a balance transfer but a couple of days ago I viewed a property that I want to buy with a buy to let mortgage. I already own several BTL properties but my concern is about applying for both within the same timeframe. I was wondering how long it takes for credit applications to appear on our credit file? I would like to apply for both this coming week.
  13. Update: the company has paid my claim in full so I didn't need to enforce it after all
  14. Hi Andy Thank you for the link. That's helpful. Best regards. Zinnia
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