He’s of Punjabi descent rather than black.

Hadn’t actually thought about this but it’s a good point, they are varying the T&Cs with no consideration here.

Man I use mine all the time, I have just dance, fitness boxing and ring fit adventure.

So much easier to get up and do some sort of physical activity when it’s a game not a task.

*mario kart is the game that sits on the shelf gathering dust until the nieces come over.

Where are people even getting the money to launch these groups and hold their own conferences?

Really quite shocking and yet unsurprising from South West Water here. That “record fine” clearly didn’t have the intended impact either. The government needs to take action on this urgently.

Also… I think people shouldn’t need a Barrister for small claims court, they should be able to represent themselves. A bit poor in the system that someone should need to hire representation over such a small sum.

It’s not, really, although it’s a bit more nuanced than that.

Credit scores are now taking in more information than ever, so things like your debt repayments as a % of your income (affordability) are feeding in as well.

For the people carrying credit card debt, one CRA might give you a better score if you carry a balance >0 but <25% of your total credit limit, and another it could be 0 to 40% so you will see some score variability.

If your utilisation is higher your score may suffer. This is only one aspect, though. Repayments on other debt (mortgages, utilities, mobile phones) play a part, as do things like voter registration and the time you have kept open your accounts. TransUnion is now incorporating BNPL (like Klarna) data for some reporting, although not sure it feeds into the score view yet).

I would highly recommend using whatever free apps are available for each of the CRAs (TransUnion, Experian and Equifax are the three main providers) to monitor your score.

For TransUnion you should be able to use the Credit Karma app in both the US and UK, and in the UK you also have the ClearScore app for Equifax score.

Experian in the UK is on the process of removing 3rd party app access (would have been MoneySaving Expert app before, but that’s moving to TransUnion).

Why would you get a ticket for the tube/bus/overground? You can now pay with any contactless card or apple/android pay.

My tiny gripe…

On iOS, I have set a couple weekly to-do items (recurring) that all have sub-tasks….

Except there isn’t a way to just see the subtasks? I have to click into the reminder, scroll down to subtasks and click into that.

What the heck?!?

The whole settlement scheme has been a disaster. uKVI has historically been a truly terrible organisation. I personally have been given false information from them on more than one occasion so this doesn’t surprise me in the slightest.

Why is extraordinarily ridiculous though, is why someone from the EU that already had permanent residency wouldn’t just have that acknowledged or have automatically moved onto the new scheme. UKVI will already have her details on file electronically with biometric enrolment data.

Anything to make peoples lives miserable, in yet another clear implementation of government policy. The cruelty is the point.

Pretty sure the Cuban population tends to vote republican because of the press about democrats being socialist wannabes or whatever.

Didn’t Obama loosen restrictions on Cuba and the Trump put it back to how it was before?

Having no mechanism and being specifically legislated against are two different things. Brexit is the former, this sounds like the latter.

How weird to see where I went to school on the news in this way and yet rather unsurprising given the culture in the area.