jontyab
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Post by jontyab on Feb 29, 2024 13:07:17 GMT
I do like the Chase 1% cashback, the cashback is not limited to certain shops. Shame it is limited to earn £15 per month. The Santander Edge Debit can be a useful alternative to Chase, but the places accept them usual accepts Amex to earn 1.5%. Is there a better alternative card to earn higher than 0.25% cashback and no limit on earnings? Maybe I'm out of touch but are people regularly putting £1500/month on a credit card?Oh it's a debit card.. that changes things. Anyway - I'm still using the Aqua rewards card (0.5% anywhere as a regular mastercard) but it's not open to new customers. Chase would probably be my fallback if they ever change the terms.
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jontyab
Member of DD Central
Posts: 116
Likes: 79
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Post by jontyab on Jan 29, 2024 23:23:55 GMT
My Potterton Suprima is 23 years old had 2 PCB's replaced by me and never serviced and still going strong Similar story with my 21yr old Vokera. Replaced a thermocouple twice but they're only £3 on eBay. Otherwise happy for it to chug along until it dies or the CO alarm blares.
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jontyab
Member of DD Central
Posts: 116
Likes: 79
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Post by jontyab on Dec 16, 2023 13:07:02 GMT
I'm not stressing too much over it, but broadly speaking: - I'm ignoring weekends. They're so infrequently used for sessions I dont see any worth in trying to game the system. - If i have enough notice of a weekday session, I'll deliberately load up the weekday prior with whatever useful load i can think of. Baking and nice long showers. So long as the payout remains >10x my unit rate then juicing the usage for 1 out of 10 days' average is a no-brainer. - I'll try to focus my regular demand around 4-6:30. The sessions (especially the DFS Tests) do generally seem to be situated around then. Worst case - My assumptions are wrong and I'm merely discounting my usage rather than outright profiting. Fine by me! Maybe people feel I'm utilising the scheme beyond good faith, but the same could be said for those charging/dumping their domestic battery.
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jontyab
Member of DD Central
Posts: 116
Likes: 79
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Post by jontyab on Dec 14, 2023 22:49:58 GMT
I may well be missing something in the 'workings', but whilst I am having no issues knowing when the sessions are. Is it not inevitably less beneficial to do every session given my understanding is it is measured as a reduction over your previous 15 days usage if on at least a couple of those days you have deliberately used a minimal amount. I have to confess not to have investigated the mechanics much. I'd looked this up last week but am struggling to find the source in Octopus' terms again. If i recall your baseline usage for a given 30 minute slot is averaged as your usage during that time over the last 2 weekends or last 10 weekdays (i.e. 2 weeks but with weekend and weekday usage kept separate) Their actual T+C are pretty lenient and what i suggest may or may not actually apply: octopus.energy/Octoplus-terms-and-conditions/#:~:text=We%20will%20calculate%20your%20Baseline> We will calculate your Baseline using the BSC P376 ‘Utilising a Baseline Methodology to set Physical Notifications’ without an in-day adjustment. The Baseline is the average consumption for the same period(s) of up to 60 days of your recent smart meter history, excluding days where a Saving Session has taken place.
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jontyab
Member of DD Central
Posts: 116
Likes: 79
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Post by jontyab on Dec 14, 2023 18:21:29 GMT
it's a staggered test some different times for different companies Well I'll be.. the Service Requirements table scrolls! Yep I see the respective Despatch type and Participant bids, makes sense. Cheers
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jontyab
Member of DD Central
Posts: 116
Likes: 79
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Post by jontyab on Dec 14, 2023 14:46:33 GMT
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jontyab
Member of DD Central
Posts: 116
Likes: 79
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Post by jontyab on Dec 5, 2023 10:08:01 GMT
Likewise looks like a window tonight 17:30-18:30 announced there, likely to be raised by Octopus etc shortly
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jontyab
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Posts: 116
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Post by jontyab on Dec 4, 2023 22:09:30 GMT
Won £100 on a £500 balance Edit: Not quite as excited having discovered my XIRR is 1.8%
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jontyab
Member of DD Central
Posts: 116
Likes: 79
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Post by jontyab on Nov 22, 2023 20:39:21 GMT
I got myself Ulster and Metro not too long ago. Ulster sent me a card read and a card for "anytime" banking, not required when using their app. Unfortunately, there's no more saving / banking products from Ulster for me to apply, it seems there's no easy way to keep being Ulster customers and close the loyalty saver. Getting the Metro Instant Access limited addition was more troublesome. It cannot be done with app, applying online with Driving license is problematic for me but the passport works fine. I managed to get two opened. One was opened by a staff after finding the right person to do it, I decided to open a second one as I thought the staff gave me the normal one instead @ 1.64%. Anyway, I started with 1k for 2 days and the limited edition rate rises to 5.22%. I actually did apply for Metro. Took a selfie and submitted a picture of my passport Metro's application was observant enough to point out that my passport had expired (Much to my own surprise )
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jontyab
Member of DD Central
Posts: 116
Likes: 79
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Post by jontyab on Nov 17, 2023 8:55:43 GMT
The Confirmation of Payee verification on my bank's side is rejecting the details. Can't you just skip past that? Both First Direct and Nationwide don't prevent you proceeding despite not being able to match the name. Surprisingly no! I must have fallen afoul of one-too-many fraud/scam heuristics. It was an exceptionally large transfer (wrt my account history) to a new Payee, using funds that had only just landed in the account. I ended up using Oxbury 90 Day @5.51% after a quick call to Santander to unlock the payment. Opened and deposited within an hour. Happy now.
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jontyab
Member of DD Central
Posts: 116
Likes: 79
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Post by jontyab on Nov 16, 2023 17:48:55 GMT
Opened a Cynergy account with no bother - however have been unable to fund it. The Confirmation of Payee verification on my bank's side is rejecting the details. Tried both Santander and Halifax, as well as various permutations of my own name. Looking elsewhere. Hoping to get something funded before the weekend Edit: And now santander have frozen my funds again..
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jontyab
Member of DD Central
Posts: 116
Likes: 79
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Post by jontyab on Oct 26, 2023 22:40:02 GMT
If I don't click the "display images" button in Google's web email client, does it mean these pixels don't get "rendered" and hence no tracking can take place? Similarly, do apps like Linked-In use them I wonder? And do power users like recruiters get to see if their mails are opened ? I believe gmail actually cache the linked images themselves for performance and privacy protection. The sender (who may be watching a tracker pixel) will observe all their trackers sent to any gmail account immediate get a hit as google fetches the pixel for the first time - since this occurs for any and all google mail users the tracking reveals nothing about the individual connection as/when then open the email. Not sure if other email providers do this, or if google still does it when you dont use their web email client. Otherwise yes - these mechanisms for engagement tracking are ubiquitous, and as revealed above by the FCA companies regularly dont even realise they're doing it as the feature is bundled with many newsletter or customer management systems
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jontyab
Member of DD Central
Posts: 116
Likes: 79
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Post by jontyab on Oct 21, 2023 12:40:24 GMT
LOL 2 weeks gone by and seller now emails me and says " I sent you the wrong item" I messaged back " I informed you of this 2 weeks ago" messaged me back "the buyer of the item you have wants his item, please send it to " Name/Address" Special delivery, as I've told him the item will be with him by Monday" so I respond "As soon as you confirm that my item will be coming to me, and you send me a refund that covers the Special Delivery cost then I will post it" the response "I'M REPORTING YOU TO EBAY AND THE POLICE FOR THEFT AND FRAUD UNLESS YOU POST THE ITEM TODAY" Let's see how is it theft and fraud, he sent me the wrong item, his mistake, I have said I will send it once he covers the cost ( which is just over £12 ) I will post it, in my opinion neither of those constitute theft or fraud let alone theft and fraud. My honest concern is that he has proof of delivery on the item I have, so if mine never arrives I am out £25 I paid plus the £12 to send the item on, If I won an eBay case against him, which given the email trail is pretty much a certainty I would get my £25 back but i'm not sure I'd get the £12 onwards postage" I have reported his last message to eBay for threats. I'm not an expert but have 23 years experience selling on eBay. My advice would be not to send the item to the right buyer. It's not your job to sort out the seller's problem, he shouldn't be giving out his customers details, and what happens if the items gets lost? Get onto the eBay chat and explain what's going on. Tell them you want to return the item at the seller's expense. You could open up an item not as described case, but the seller's attitude makes me think you should get things documented via the chat. If you are really lucky eBay may even give you a refund without having to return the item. Precisely this - Ebay want nothing to do with transactions that dont fit the conditions of ther their respective buyer/seller protection programmes - having some random third party ship an item on good faith breaks both. This puts you in a pretty risk-less situation - Return at the sellers' expense. Any request they make other than facilitating that immediate return just makes ebay more likely to issue the refund unconditionally. If you dont return it (because you sent it on) they have a case to refuse a refund. - Go through the standard return process - afterwards report them: www.ebay.co.uk/help/action?topicid=4022- If they refuse the return cite all your communications with them admitting its the wrong item
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jontyab
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Posts: 116
Likes: 79
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Post by jontyab on Oct 6, 2023 13:49:41 GMT
Not too surprising! I was waiting on a debit card deposit to clear before they'd let me buy more You didn't have to wait, could buy as many as you want one after another. There are still plenty of 6.1% fixed offers on the market. Al Rayan 6.12%, SmartSave, Union, Ahli, Beehive, StreamBank 6.1%- 6.11%. In my case I had issued a card deposit into the 'Direct Saver' and not a direct purchase of the bond product. It was that transaction that had to clear before the direct saver balance could be used to fund the purchase (only cleared/'available' balances can be used for inter-account transfers). .. but otherwise you're right I could have bought more had i funded them directly - I've had my fill of cash saving anyway so not really bothered.
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jontyab
Member of DD Central
Posts: 116
Likes: 79
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Post by jontyab on Oct 6, 2023 8:54:34 GMT
NSI guaranteed bond series no longer on sale. Not too surprising! I was waiting on a debit card deposit to clear before they'd let me buy more
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