Moira

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Moira

Moira

@moic

(Still). Sifting through the 'Lucky Bag' of modern life. (Since 2009)

Midlands, UK Katılım Şubat 2009
852 Takip Edilen395 Takipçiler
Moira
Moira@moic·
@OVOEnergy As I said, constructing lengthy email, explaining everything AGAIN; incorrect address, incorrect billing period (4.5mths not living there), actual meter numbers cause can’t locate property, pics of meter reads, tenancy agreement. But what will happen then?
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OVO
OVO@OVOEnergy·
@moic Thanks Moira, if you could ask your son to send us this information if he would still like this investigated, we can look into it. ^ Holly
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Moira
Moira@moic·
@OVOEnergy My son has complex problem since he moved in to a property; charged for 5mths prev. to living there, incorrect address, new acc not accepted online. It req. phone call, but we both work during yr 9-5pm hours. Just impossible to get situ resolved w/o human interaction.
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Moira
Moira@moic·
@OVOEnergy I appreciate that. We have time-stamped pics of meter reads, we have his tenancy agreement, which you require, but not via DM here. Yes, letting agent’s ’third party’ service (give me strength) of clearing this up prior to him moving in also at fault (piece of my mind incoming).
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OVO@OVOEnergy·
@moic Hi Moira, I do understand your concern about the issue, we will be able to look into this for you to get this resolve, please DM us the details we are more than happy to help. Thanks, Arundhati
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Moira
Moira@moic·
@OVOEnergy On phone 45 mins that day. ‘Zama’ (extremely helpful) ended call saying, b4 sending email, call with orig. acc no. (B4 he moved in) to locate conversation. In meantime ‘the occupier’ bills keep coming along now with threats. Your 9-5pm hrs our problem.
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Moira
Moira@moic·
@OVOEnergy I’m in midst of constructing lengthy email on his behalf of entire debacle. Managed to speak to someone while ago; address not reg. on nat. database (yet only Ovo get it wrong). To set up ‘named’ acc we have to email, then phone to initiate. But we’re not able to phone 9-5!! Grr
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Moira
Moira@moic·
Testing times for the new bins.
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Moira
Moira@moic·
Great point by audience member. Supply and demand is a load of tosh when houses being stockpiled by the few and no-one talks about this, ever. #bbcqt
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Moira
Moira@moic·
@DallasLeftie @novaramedia Go to this profile, click on their link tree. And I don’t use YT either, so that’s not an excuse for your digital laziness.
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Novara Media
Novara Media@novaramedia·
"Facebook had to borrow $100 billion the other day in order to finance the investment in data centres. And what they’ve tried to do is shift that off balance sheet, so that we don’t see that […] they’ve now run out of cash and they’re borrowing money. And that’s a sure sign that Facebook has over reached itself." @AyoCaesar talks to economist Ann Pettifor, who predicted the 2008 financial crisis, the AI bubble. Watch the full episode of Downstream on our YouTube channel.
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Rod
Rod@rod_mallo·
if you didn't buy one, this will make you feel good A £200,000 house purchased in southern England in the late 1980s might nominally be worth around £1 million today, representing a seemingly impressive 5x increase on paper. However, when you net out the full suite of real costs over those 35–40 years, the actual value gained—or rather, lost—in real purchasing power terms often turns negative. Inflation alone has eroded much of that headline growth: UK CPI data shows that prices have roughly tripled to quadrupled since the late 1980s (with cumulative inflation multipliers around 3–4x depending on exact start year and up to 2025), meaning the £200k purchase price equates to something like £600k–£800k in today's money just to break even on inflation. The apparent £800k nominal gain shrinks dramatically before even touching other ownership drags. The biggest hit comes from mortgage interest paid during the high-rate era: average mortgage rates hovered at 10–15% through the late 1980s and early 1990s (peaking near 15% around 1989–1990), so a typical 25–30 year mortgage on that £200k home (with a modest deposit) could easily rack up £150k–£300k+ in total interest alone—often approaching or exceeding the original principal in cumulative payments. Layer on ongoing maintenance and running costs, which experts benchmark at 1–3% of property value annually (averaging £2,000–£7,500+ per year in recent data, scaling up over time as the house ages), and you're looking at hundreds of thousands more spent on repairs, insurance, council tax premiums, boilers, roofs, rewiring, and general upkeep over decades—with no offsetting rental income. These outflows compound relentlessly, turning what looks like wealth creation into a slow wealth drain. Add transaction frictions (stamp duty, legal fees, surveys, agent commissions—now far higher than in the 1980s, easily 5–10% round-trip if you ever sell) and the picture worsens further. Even if you stayed put forever to minimize some costs, the net real return after inflation, interest drag, and cumulative maintenance frequently lands negative: the house's inflation-adjusted value today might barely cover (or fall short of) the total cash poured in over the years. In pure financial terms, owning that primary residence for living purposes didn't preserve or grow wealth—it often destroyed real value, despite the eye-catching nominal appreciation figure. The "asset" provided shelter and stability, but as a monetary proposition, you ended up poorer in real terms than if the money had simply sat untouched (though of course, living somewhere was non-negotiable).
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Samuel Leeds
Samuel Leeds@samuel_leeds·
Everyone needs to hear this. If your house is looks like this but your car is flashy, your priorities are backwards. Buy assets first. Nice cars come later.
Samuel Leeds tweet media
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Moira
Moira@moic·
@Rob_scar Lol I climbed it. Tougher than it looks. Friends live opposite, across Cromarty Firth.
Moira tweet media
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Moira
Moira@moic·
Tonight’s @BBCPanorama. nothing new. Since 90s debt disguised as ‘credit’ relentlessly peddled. Society conditioned by the likes of Experian that it matters. It doesn’t. Chk’d Experian twice in 22yrs; a rough 2004 start-up and 2016. Zero ‘credit’ + Zero fks given = happy life.
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Moira
Moira@moic·
@MmisterNobody Early 00’s. Son 2yrs old. Health visitor’s mummy meet-up and they commented on how relaxed and ‘well behaved’ the group of toddlers were, which led to a question. Yes, we were all stay-home parents.
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Mr. Nobody
Mr. Nobody@MmisterNobody·
It’s wild that it’s become normal to leave your kids at daycare five days a week, eight hours a day, just so you can go to a job that mainly pays for daycare, the car to get there, and a house you’re rarely home to enjoy. We’re stuck in a cycle of working just to afford a life we barely get to live.
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Moira
Moira@moic·
@ColinSpenc4257 One of my first go-to shops in early 80s teendom. And then my first buying job after the River rebrand in early 90s. Happy days:
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Moira
Moira@moic·
@JamieJBartlett What?!! Here was me thinking you’d be taking a huge deep breath of relief.
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Moira
Moira@moic·
@theamelia__ That since I don’t use X much anymore, it’s full of useless click bait posts like this.
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Moira
Moira@moic·
@the_Lawrenz Absolute bullshit. I’m a cleaner. Some of the wealthiest people are complete scuzzers. Fact.
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Alabi 🇪🇸
Alabi 🇪🇸@the_Lawrenz·
Don't leave dirty dishes in the sink overnight. It’s a mindset rooted in poverty. You'll never walk into a wealthy person's kitchen and find a single unwashed plate.
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Moira
Moira@moic·
@THemingford Yes, rents are out of control. Letting is out of control. “Market value” is an utterly meaningless, made-up nonsense to further rinse the population. Nothing will change unless a refusal en masse to feed the greed occurs.
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Thomas H. 💙
Thomas H. 💙@THemingford·
When you consider that some people are having to pay over 80% of their income on rent alone, it's not unreasonable to say the system is completely broken and that we need to cap and cut rents, double the minimum wage and tax wealth to rebalance and stabilise. #bbcqt
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Moira
Moira@moic·
@AngelaRayner All the multi-property landlords bleat. Your greed for personal wealth created disproportionately inflated property prices, a lack of stock and extortionate rents. Stop trying to force it down our throats you’re the good guys.
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Angela Rayner
Angela Rayner@AngelaRayner·
Promise made, promise delivered. Labour’s transformational Renters’ Rights Bill has received Royal Assent, meaning it is now law. Proud to have introduced legislation to improve the lives of millions of renters across the country with the protections and security they deserve.
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Moira
Moira@moic·
Well that was a weird automated payment service; You’re paying for this postcode (shared with others in my locale). Kaaay. We’ll send email conf (no automated payment ref). Kaay. That tech update money well spent then.
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Moira
Moira@moic·
As an extremely low (metered) water user, the (Seven Trent, no specified date of issue across search engines) standing charge addition to my latest bill makes it 50% higher. Brilliant. 🙄
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