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Stamp duty and mortgage fee
Hi, we are moving house but have a bit of an issue. Hoping someone on here knows a way to help us save .. Stamp ends - 1st October and our current mortgage product ends 30 September but if we exit by the 30th we will be charged an redemption fee of £2.3k going to speak to solicitors but is there any other loop holes or…
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Financial Fight Back Guide discussion
This is to specifically discuss the Financial Fight Back Guide ... just click 'post reply' to discuss or comment.
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6 year cap on council tax rebanding rebates in Wales?
Hello everyone. I've recently managed to get the council tax band for my house changed from E to D which saves me about £460 a year. We've been paying tax at the Band E rate since we built the house in 2009 (01/10/2009 to be precise) but the Valuations Office Agency have set the effective date of alteration to Band D as…
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Property in a long void period
Hello! Looking for advice on where I can cut costs. I’ve been trying to switch to a BTL on my flat but have been refused because I haven’t got an acceptable EWS1 form yet (to do with all the cladding related issues). Consent to let refused on basis that I won’t be moving back soon. I’ve accepted that there’s going to be a…
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0 occupancy vs 1 occupancy
Hello! Hoping for some advice. I moved to Devon from Hastings and while I was selling my flat I had to pay council tax in both Devon and Hastings. I told Hastings council that I wasn't living there and then when the sale finally went through I got a bill reclaiming the single occupancy discount! Is this right? I can't see…
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Changing council tax: Number of Liable person(s), over 18 years old, now living in this property?
Hi, Changing council tax: Number of Liable person(s), over 18 years old, now living in this property( Person(s) responsbilittie for the council tax at this property)? I am changing over council tax and I am slight confused to the question (above) . I would like to know if its asking for each person over the age of 18 ,who…
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Council Tax Banding
My mother lived in a warden assisted, 2 bedroomed, terraced house. She pays approximately £180 mthly maintenance fees. She also pays band E council tax rates. In a separate facility, she has access to an on-site laundry and community lounge but chooses not to use it. Is she being charged inflated council tax banding for…
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Reclaiming stamp duty problem
Hi, I’m new to the forum and wondered if anyone can help me. My boyfriend bought a new house back in Oct 2007. He was told he had to pay stamp duty and then claim it back. In Jan 2008 he wrote a letter to HMRC and they said he was right to pay it when I’m fact he wasn’t. It was £145k under the £150k threshold of that year.…
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Overpais standing order payment
I recently came to close an old bank account and noticed a standing order payment of £11.00 per month going out to High Peah Boro Council fo a council owned leisure centre membership which had not been used since 2009. They say they tried to contact me over the years but I had the same house and telephone number for the…
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Mis sold solar panels
What happens when your solar panel providir is bought by another company.? They changed the terms and conditions without informing us and now we try not to use them as it costs us more money. Our initial contract was that we used as much solar energy as we needed and the surplus would go to the grid meaning we saved money…
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Valuation Tribunal - VOA evidence deadline
Can someone (hopefully) validate my understanding please. Tribunal practice states: "At least six weeks before the hearing date, you must provide the appellant with
your full case in response to the appeal" (this relates to VOA providing evidence to me, as appellant). It also states: "If you fail to provide the above by…
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Council Tax Reclaim
Looking to see if anybody has experienced anything similar and any advice on how to progress. Recently I had the sad and unfortunate task of having to clear out my parent’s property. While sorting through the piles of documents I came across a Council Tax bill from 2000. This showed that at that time the property was…
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Pension Redress and Tax
Hi. Has anyone had a successful pension claim against financial advice to leave a defined benefit pension to only then find the redress is classed as income and not compensation and so have been left with a 45% tax bill and having to repay child benefits etc...which then leaves the compensation no-where near the original…
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Aoe unpaid by employer
Hi, I'm wondering if anyone can help me? So to give everyone some background i had an attachment to earnings order submitted by my local council (council tax) which was fine however from march to October 2020 my employer was taking the deductions from my wage and not directing the money back to the council! My employer is…
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Can you complain higher about a council? Billing issues.
Appreciate it might be a daft question, but can you go higher when it concerns a council. I did see we have an MP's surgery in my town coming up - but when I've looked in more detail, but I get the impression they won't help with council tax problems? History: I received a new bill 10th March requesting I pay £92.00 a…
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Can you claim you’re in a wrong council tax band if you’ve built an extension on your property?
Hi, We moved into our house in 2006 and built an extension in 2015-2016. We have always been in a higher tax band to most of our road. The houses are ex council properties so built in exactly the same way, same size etc, but for some reason our house is in Band D when most of the road are in Band C. I’ve gathered all of…
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Section 77/78 Building Notice charges £22,000 – HELP!!
Hi is there anyone who
can help or know anyone who can help, please? Building control
contacted me on the 16th March 2020 because the gable end of a
property I own that is adjacent to a road had moved and had become
potentially dangerous. I quickly found local contractors to bring the
wall down and rebuild it. For some…
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How does ppi work with ex partners
Hi I'm wondering if anyone can tell me if I have a complaint against lloyds bank. My ex took out a ppi complaint without my knowledge or consent, I had no idea as he was hoping to have it all to himself untill they told him he couldn't. My question is should I have been informed as I was the primary account holder and…
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Occupant in care - council tax discount
Hi If a house is unoccupied due to the occupant in care you may be able to claim a 100% discount. My family recently did that and it was a (relatively) quick and easy process. HTH
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Weird VOA letter
Hi We bought our house in 2014. It has an annexe flat above the garage, converted in 1997. We only found out _after_ purchase that it has a separate council tax - band A - even though there was one title, one mortgage and there are only 1 set of utilities (gas, water, electricity, broadband) for our home and the annexe.…
