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Stuck on a mortgage
Hello, I have a question around a joint mortgage with my ex-wife. We separated over 15 years ago and since then I've been stuck on the mortgage, unable to move on with my life financially. Two reasons why I've not contacted solicitors during that time is because, my son lived in the house and I did not want to make him…
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Birthday Spend
How much did you spend on son's 26th birthday? Their previous birthdays have been good, even though I was on a budget; I'd start keeping an eye out for bargains 6 months prior to the birthday so it was always a good one. Things are a lot easier now financially so can up the budget. Any ideas on what to get him other than…
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Birth certificate name issue
Hi all, Hoping you can help me here, currently living in Scotland and I've came across something very strange to do with my birth certificate. My first name on my birth certificate is missing a letter, say my name is Allan, its spelt Alan on the birth certificate (error is almost identical to this one, missing an L). All…
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Lasting Power of Attorney - Address for Attorney
I am just about to complete my LPA online and have chosen my three children to act as Attorneys. One lives with her dad (she's 21) and the other two are currently in rented accommodation (separately) and both likely to keep moving on at the end of their rental contracts until a time comes when they can purchase properties.…
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Newly single parent who needs a bit of guidance
Due to unforeseen circumstances I am now a single parent as of a few weeks ago. I have 1 dependent child and 1 adult daughter who just started working last month. I work part-time (21 hours per week) with a salary of £11200 per annum. I have just applied for child benefit as husband was on a high income so we didn't need…
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If I move out should I still pay my partner remt
I’ve decided to move out of my one year joint rent with my partner and have agreed to continue to pay until the contract is over. However, my partner does not want to move out of the flat but can’t afford it on their own so has asked if I can contribute £200 to £300 a month. I’m not sure what to do as my decision to move…
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Using mediation for financial agreement
Ex husband and I split after 24 years, about 15 months ago. I have now paid for a divorce application. He wants to give me a cash settlement of a certain amount now, then a remaining sum to be paid over the next couple of years. This will be approx 40% of our home which is jointly owned. I want to get the house valued and…
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What’s mine is ours, what’s hers is...hers?!
My wife and I are about two thirds through paying off our
mortgage helped, in part, by several lump sums received from my parents which, at
various stages, have paid down the mortgage considerably. Rightly or wrongly, I have always taken
the view that we’d be better off getting rid of the burden of a mortgage…
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We're an older couple - which way to jump!
I'm 62, he's 70. We've both been married twice before, and we both have adult children from previous relationships. We both own our own properties with no mortgage (he has a large 4 bed detached house worth about £450k, I have a small 2-bed end of terrace worth about £200k). Going forward, we'd like to move in together -…
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Care Home Property & Other Stuff
Hope this is the correct forum. My mums currently owns a property but is going to sell up and buy a property near me and then I will move in with her, so I can take care of her. I'm trying to cover all bases. I currently renting and on PIP both care and mobility. If I have read the rules correctly if at some point in time…
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Lasting Power of Attorney - Family Disagreement
Hello Not sure if this is the right place to post but grateful for any advice/signposting. We have an elderly widowed father. 4 siblings, the youngest of whom lives with my Dad (has never worked and various issues but has, to be fair, looked after my Dad in his old age). It's just come to light, today, that the youngest…
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Help, I think my mum is being scammed
Hi all. I think my mum is being scammed. She asked my sister in February this year her to take out £1000 from her Isa for a holiday that she was acting all funny about. She didn’t go on a holiday and when I asked her about it she told me she might go to London with her friend Sarah, but never went. She then messaged me…
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Transferring ownership of house after a divorce
Trying to do divorce as fair, no expensive legal solicitors and fiction free for the kids sake. Have agreed with ex they will have the house (mortgage free and joint tenants) and they will pay me half the value. How do we update the land register so the house is showing in the ex's sole name?
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Using LPA to make existing Donor's current account Joint Account
Hi, The scenario - my Mum has a Santander 123 Account, from which there are two household bills paid via Direct Debit (council tax and power). She is currently in end of life care (late stage dementia, no specific timeline on this) and I'm looking at the best/easiest way to transfer the DD payments to my Dad. My thought…
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DIY LPOA
Hi, Wondering if anyone has DIY'ed a LPOA and if so how difficult it proved, ours is a simple married couple situation where we want our children to make the future decisions so I guess about as straight forward as can be ...thanks.
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Marriage Tax Allowance
HI, my husband took 4 years off from work (his choice) so during this time he paid no income tax, I returned to work in 2020 and now realise that we could have applied for the marriage tax allowance, I know that I can backdate this but he recently returned to work and will now be paying tax again all be it at the lowest…
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Inheritance Tax and gifting money to children
Hi All I have a question about gifting money to children and tax. Are cash gifts taxable no matter what ? I have googled it and an annual max figure of £3k keeps popping up. Does that only apply if the estate on death is worth more than £325k ? Thanks
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Maintenance
A bit of a long story. I divorced in 2010 due to my ex husbands drink problem and violence toward me. Our son was 18 a few days ago and his father has just announced he will stop his maintenance payments after his A levels, as 'per our divorce settlement'. Even though our son is going to university in September and he'd…
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POA nightmare
I've had a POA in place for my mum who now has advanced dementia. She had to move into a care home about 18 months ago and her house went on the market. Once it sold she had quite a lot of money in her bank, well over the £85k protection threshold. So, I set about trying, and failing, to open new accounts for her. Banks…
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Split from Partner - Money Issues and House Problem
Good afternoon, I was wondering if anybody could offer some advice on my situation. I have split from my partner and we have two kids and a mortgage together. My partner has told me that he is struggling for money and struggling to pay his bills and we may have to sell the house. I know however he cannot force me to sell…
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