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30 hours free childcare payments & PAYE - Help!
Hi all - Hoping someone can help as my accountant is away and I have an urgent issue to sort. My wife is a director of my limited company along with myself - we pay ourselves each month but not through PAYE, and at the end of the year these are set aside as dividends. We recently became parents and are filling out a form…
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Last Power of Attorney replacement attorneys
I am using the governments online portal to create my LPA What I am trying to achieve is -My spouse as LPA -If my spouse is not able then relative A as a replacement -If relative A is not available then relative B as replacement I have filled in the details on the website and am happy with the primary LPA but am not sure…
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No contact with son
I lost custody of my son to his dad when I went through a mental health breakdown and he reported me to social services. Social services agreed for my son to live with his dad whilst they carried out their assessments despite me raising concerns with them about this. In the end they supported my son living with his dad…
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Inheritance tax and home ownership
My husband is not named on our home deeds - I am the sole owner, now with no mortgage. In our wills we leave everything to one another. We are in our 60s and he has an illness which is not yet debilitating but will become so. Before his diagnosis, a lawyer had suggested that we get his name added to the house deeds (as…
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Buying out wife before Divorce Settlement
My wife and I are getting a divorce. I want to buy out her share of the house, which she is happy for me to do. The issue is that she doesn't want to wait the necessary length of time for this to be done through the divorce settlement. She is still happy for us to, with a solicitor, draft a financial consent order but the…
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Kids on social media
Hi all, I’ve recently decided not to add my kids faces on social media. And I’ve politely asked my family and my partners family to do the same. Everyone was on board except my MIL. She quickly unfriend me on Facebook and added all the recent photos I sent through. My partner is siding with her saying that I’m…
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My ex want to buy me out
Me and my ex have a shared mortgage on a house we still live in together.He wants to buy me out.So i will have to move with my daughter when we will find a new house. His parents gave up deposit which is 29k and what he is saying when i will receive equity i will pay half of that deposit back to his parents. Is that…
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second marriage and assets
I am getting married for the second time, I own my house and when I pass away, I would like my future wife to stay living in the house until she passes away and then the house go to my children (All over 25). What is the best way to achieve this?
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Marriage tax allowance
Hello, I have recently seperated from my husband and because of this I have applied to cancel our marriage tax allowance. He was the main income earner so the tax allowance worked in our favour, now that were seperating our finances he is still getting the benefit of that allowance and i am paying more tax. when i have…
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Can a Housing association come after us for money?
My father in law was placed into residential car last year as he was assessed to lack capacity due to a previous dementia diagnosis. Before he went into care he was living in a housing association house managed by Orbit where his benefits paid his rent each month. When the decision was made and he was moved into his care…
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Do I have equity
Hi, looking for some advice on my entitlement to equity in an unsold house with my ex husband. I purchased a house with a mortgage with my ex husband in 2007 for £103,000. We contributed a deposit of £2500 each and shared the mortgage payments from a joint bank account. We separated in 2010 and I left the house. My ex…
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My ex remarried an Albanian in Albania - is it recognised here and how do i prove he did?
My ex married his new partner last year in Albania. Hes a UK citizen, she is Albanian. Assuming they followed all the legal requirements under Albanian law, how would I go about proving that he is remarried? We had not finalised the division of our marital home and now im sure he will have fell into 'the remarriage trap'…
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Power of Attorney
Please would someone help me. Via our solicitors, I am dealing with an Attorney who is acting on behalf of her husband. The Power of Attorney was done when the husband had capacity but has now lost capacity. The POA states that he has complete control over his affairs whilst he has capacity - his wife can only do what she…
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Deferred Payment Scheme is this a cheap way to borrow?
Parent is going into Nursing home soon. The property will be used to fund this. We are exploring options. Seems like the Gov Deferred Payment Scheme is our preferred option. Anyone have experience of this, I guess there isnt a more cost effective way to borrow the funds? We wouldnt get it cheaper with a bank it seems (gov…
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Relative connections - scam?
hi, posting this on behalf of my father who is in his late 80s, for whom i look after all admin etc. He received a letter from 'Relative connections' - they claim to be a professional tracing company who are contacting him on behalf of a client (unspecified) and asking him to contact them to verify who he is whereupon they…
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Mums finances. Sister thinks I am up to something.
A little while ago my sister asked me to assist more with helping my aging Mum which was fair as she did a lot and I only did stuff if my sister couldn’t do it. Recently my mum became unwell and made me aware of her finances. She had £21k in a current account earning zero interest. She receives state pension topped up…
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Divorce financial settlement calculation help
Currently in the process of trying to reach a financial settlement, and have clashed on how the calculation for the pot should be split. We have agreed one party will receive more equity instead of a pension share in order to compensate for the differences in pots. The property will shortly be sold and in round terms there…
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Money Moral Dilemma: Should I give some of my lottery winnings to the person who gave me the ticket?
This week's MoneySaver who wants advice asks... A relative always puts a lottery ticket in family and friends' birthday cards. In my most recent card, I won a decent sum of money on the ticket - should I keep it, or tell them about it and offer to deal them in on the winnings? Unfortunately the MSE team can't answer Money…
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Harrison’s private client solutions
Good afternoon. Just a quickish one, if anyone has had this before; I’ve had nothing like this before. A relative has died leaving the estate with no one to inherit it. So this company finds these estates and look through family trees, then I presume, take a percentage before dividing what’s left if anything. I know the…
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Daughter finishing primary - very emotional
Haven't posted in a while, but need somewhere to talk about this. I developed a very emotional side to me after losing my dad and his brother in a sort of traumatic way 4 years ago - I don't think I've completely recovered from the grief / shock. I'm a father to two girls, with my eldest finishing Primary school tomorrow,…
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