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So I think the key word here is 'automatic'. Computer will say no when it sees those entries. I'll wait, as suggested. Not the end of the world. I don't absolutely need a credit card, but sometimes it's more convenient to have one when renting a car or checking in. I had a situation in Portugal...

I ran into difficulty following pay cuts and the banking crisis some years back. One consequence was that I entered into an arrangement with a credit card lender to freeze the debt, which at the time financial advisers were recommending. I wasn't aware that this would result in each of my...

I had the installer out to set up the router in the optimum position. It didn't work: even though Three say I have 5G coverage, the signal was too weak -- obstructed by our neighbour's massive bloody tree -- and switched back and forth to 4G. It was amazing when it was on 5G, but it couldn't...

I'm thinking of swithching but afraid of being left in the lurch with poor service, even though 5G BB seems to get good reviews in the press. Has anyone had any experience of using it for streaming?

VM require a month's notice to cancel (they told me this on the phone just now). Not sure when the service is shut down. I don't know how long you have to leave it to be considered a new customer, but I'd imagine it's a reasonably lengthy time for the system to work (for them).

I was in arrears -- with the bank and other lenders -- because of a combination of both an acute loss of income and massively overpaying on a large mortgage. I had been on a tracker it would have been a very different picture. Good plan, thanks! I finally paid off my last remaining debt just...

I have a problem with a major retail bank that has given me tracker redress. In their correspondence on the matter, they said that they would address problems with my credit rating if requested. My credit rating was shredded at the time of the banking crisis and only in recent years have I...

Thanks... I have the folio clearly showing no additional site or sites. I am sure that a solicitor would be able to get an order to vacate the site, or similar, if necessary. My concern is how that would be enforced. Does the council have a role here or do they tolerate random development like...

I am co-owner of a very small plot of land, less than half an acre, in a quiet rural area near a villager, suitable for but without pp for housing. No one has done anything with the site since we acquired it through inheritance many years ago, primarily I suppose because of its multiple...

Thanks The-Chris.... they actually say that personal deliveries are not allowed and that it has to be by parcel post. My guess is that they are making the barrier to guarantee claims as high as they can...

I've to send a reasonably expensive piece of jewellery to Britain for repair under guarantee (in spite of buying it in the EU). The retailer stipulates that I have to bear the cost of return. I can live with that, but I'm wondering if, since the piece will need to be insured and therefore the...

Thanks Connard. Good to know. I've already set up an account. I was just surprised they didn't reall advertise the straight deposit option.

I saw that Trade Republic were listed as offering high rates in the best buys thread. I signed up to open an account (move from Bunq) but it transpires that they hold funds in escrow for trading in stocks etc. -- and one is required to tick the box accepting that. Can one just use it for...

Does this give us an indication of the order of priority if things go wrong, in spite of the alleged existence of a state guarantee?

I don't consider myself especially dim, but there is so much information on pensions that I have found myself going around in circles. This is especially the case since I recently have been awarded a €50,000+ sum in tracker mortgage redress and am trying to make up my mind what to do with it...

We had flights booked to Arizona for this week. Aer Lingus wrote offering a voucher, with a 10% (I think) bonus, and we accepted. They wrote back saying it would be a while before they could process our request. Then last week they wrote to say that we were not entitled to a voucher, as our...

I didn't say that they were curt. They were rude and condescending. Anyway, that's by the way. I specifically told the agent that I didn't want to cancel the flights; that, since they had declined to allow a change, I would deal directly with the airline. This is what, they, the agent, had...

Thanks. No. I've nothing from the airline in writing. I would demand call recordings.

Short story: I booked long-haul flights for a holiday with my partner. She got seriously ill (now fully recovered), and we had to ask if we could change our dates or cancel and get a refund. Our Irish-based agency (or the Irish branch of an international agency ) told us that it wasn't for...

Did it about 4 years ago with a claim against on online IT supplier over a PC that just died, just out of warranty period. They tried to play hard ball and told me to pfo. The claim went in and after about four rounds of bouncing back claim and counter-claim -- hugely labourious because all via...