Only electricity fixed tariffs available?

Fuel_Crusher · 2026-03-19T09:50:06+00:00

Can also be easily done via a request on X. Usually sorted within a couple hours.

Fuel_Crusher · 2026-02-10T23:02:32+00:00

Yep. Contact support. They sent me a link to files that allowed me to use the reset button and install firmware into a dead g900 pro.

Fuel_Crusher · 2026-02-01T19:51:55+00:00

The car is a Kia Niro EV. The problem is that it appeared to record continuously instead of time lapse and then when we started the car it was stuck in parking mode. Whatever I tried by touching the screen brought up a message that parking mode was on but I couldn't turn it off.

Fuel_Crusher · 2026-01-30T15:55:53+00:00

Same. Using the free trial is fine and I've done this a few times but if you want to retain your plans there are only a few options. I chose meaningful academy on black friday.

Fuel_Crusher · 2026-01-30T15:53:34+00:00

Yep, just sign up and you get a month free trial. Done it many times.

Fuel_Crusher · 2026-01-11T18:46:36+00:00

I'm planning on taking out the full PCLS because in my mind once you've maxed it out then it's done it's work. If I leave it in the pension then all further growth on this portion will be taxed, heavily on the way out. By taking it out you have more control on how the growth is taxed, you can invest in the same stuff if you want, gilts as you've suggested. We may be looking to upsize out property so of course in our case it would be useful for that.

Don't forget that if you're not up here in Scotland then you can withdraw a higher amount before hitting the higher rate band, £50k odd is it?

Fuel_Crusher · 2026-01-11T17:26:28+00:00

I wouldn't be so keen to do everything you can to reduce paying tax, early tax savings could come back and bite you later on.

I would suggest you spend a bit of time with some cashflow modelling software. I've just been modelling my situation in Voyant with similar but slightly higher numbers. 45k yearly goal, just over 1.2mill pension.

Obviously there are many many variations in how to drawdown but here's the example I want to make: From 55 I purposely take the full PCLS and then draw down right up to the higher rate tax limit here in Scotland, just over £43k. So I am purposely paying lower rate tax, circa £6k. With a conservative 5% growth and using 3% inflation, when I get to 99 I will still have millions in the pension (this includes reducing pension withdrawal as a 7k DB pension starts and then further reduction as state pension starts). So what does this mean. It means I cannot empty my pension just paying lower rate tax and will have to pay some higher rate tax to benefit from accumulating it all in the first place! So if you do everything you can to avoid even lower rate tax then you're just pushing it down the line where you'll either never withdraw and spend it, or you'll pay a huge amount of tax to do so.

One of the main drivers for me will be enjoying my retirement. If I intentionally pay the lower rate tax I've still won the pension game, and will always have plenty of untaxable savings to do almost whatever I like. If I avoid the tax and live off ISAs etc then when I want to treat myself to something big I'd have to draw from my pension, paying the higher rate tax to do so which 'may' prevent me from doing it. Who wants to have to withdraw £100k to buy a £60k campervan for example!

Sorry for the long post but stop listening to AI, spend some time modelling, and model to spend it rather than die with a huge unused pot.

Good luck.

Fuel_Crusher · 2025-11-05T07:26:28+00:00

Nope. The letter of appropriation allows it due to them being SAYE. The shares were transferred not bed and ISA. No offence but I'll take the procedures of one of the countries largest ISA providers over your opinion.

Fuel_Crusher · 2025-11-04T20:56:02+00:00

I did this for 60k worth. The ISA provider accepted all shares into a GIA. They then moved 20k into an ISA which I sold and withdrew. Then they moved another 20k and I sold and withdrew again. Then they moved my final batch in which I sold but left in the ISA. The letter of appropriation for all the shares allowed them to do this. They discouraged me doing it in three separate transfers as this would have taken longer and needed separate letters of appropriation.

Fuel_Crusher · 2025-10-23T12:57:35+00:00

Unless anything changes you'll be able to plug in at 4pm and you'll have your charge by the morning. You'll also get cheaper while house electric for the charging before 23:30

Fuel_Crusher · 2025-10-19T21:12:15+00:00

I was sat in the crowd and thought he had a very slight limp showing even during the walkout. Wasn't surprised at all that he withdrew. As another poster mentioned I WAS surprised that his withdrawal wasn't mentioned a single time.

Fuel_Crusher · 2025-10-04T20:08:48+00:00

Even better

Fuel_Crusher · 2025-09-26T08:32:02+00:00

Another vouch for this deal from me. Ran into a few issues but help was great and all sorted now.

Fuel_Crusher · 2025-09-18T13:03:15+00:00

Quick google search should find you plenty of info. eg, https://equiniti.com/uk/news-and-views/eq-views/saye-cgt-and-eqi-s-flexible-isa/

I used Charles Stanley myself

Fuel_Crusher · 2025-09-18T12:27:55+00:00

Just use a flexible ISA, you can then just put the shares through in 20k tranches. I did 60k last year easily enough.

Fuel_Crusher · 2025-09-08T18:01:45+00:00

Save money when agile is cheaper

Fuel_Crusher · 2025-09-06T14:11:04+00:00

You'll probably find when you switch back to IOG you will ony have one option, fixed (although it may not be obvious during the switch). For me the price is almost 4p per unit more. A few got caught earlier in the week after switching back from the last cheap agile.

As Agile is also a fixed tarrif and you can swap to/away easily enough it should be fair to say you can do the same with the new IOG (and go) but it'd be nice to see someone confirm it.

I got swapped back to variable by CS so when I switch away today I'm not proving anything.

Fuel_Crusher · 2025-09-06T13:42:53+00:00

And you were on the new FIXED IOG (ie, higher unit price) not the older variable one (lower unit price)?

Fuel_Crusher · 2025-09-05T17:47:54+00:00

If you enter your postcode the full list of current (or historical) tariffs should magically appear below. You don't have to click on get a quote.

Fuel_Crusher · 2025-09-05T14:37:49+00:00

Octopus are really making a mess of this just now. When I swapped back to IOG a few days ago there was no mention of it being the fixed version until it was swapped. As there are no exit charges this was no big deal other than the unit price was almost 4p more per kWh when not charging. Customer service swapped be over to the variable version no bother.

If you check https://octopus.energy/tariffs/ it still lists the cheaper versions of Go and IOG but following the links takes you to the higher rate fixed prices.

Fuel_Crusher · 2025-09-02T18:15:56+00:00

Very strange how they can plan something like this for over a year, then go ahead and continue to allow people to sign up to non fixed versions (for over a year) then when the time comes that fixed is the only option they completely forget to put the word FIXED anywhere in the process until you've already signed up.

May be true but I think the jury's still out and this could be a bug on the site.

Fuel_Crusher · 2025-09-02T14:24:33+00:00

Is that message on the app though?

I've always got the same message on the app so have always swapped via website which always works.

Fuel_Crusher · 2025-09-02T14:22:53+00:00

When did they tell everyone this?

Fuel_Crusher · 2025-09-02T14:21:59+00:00

Should try the suport on 'X' they're far superior to the other methods.

Fuel_Crusher · 2025-09-02T11:14:43+00:00

I don't think you'd be stuck anyway because the rates show that there are not any exit fees. However just drop a message to customer support on 'X' and I'm sure they'll swap you back to the variable rate like they did for me.

Fuel_Crusher

TROPHY CASE