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Scottish Council Tax Assessor reclassed my self-catering flat from business to CT
I run a self- catering holiday flat in my granny flat that is in my extension and it relates to my required declaration to prove i was trading as a self-catering holiday accommodation. I have my full Short Term Let License. They are now trying to put my granny flat into the Council tax, although I am still trading?. The…
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Van repairs worth more than it is worth - and it's still on finance
I have a van which I no longer require and intended selling. However, it has failed it's MOT and the cost of the repairs come to more than the value of the vehicle, and there is still around £800 owing on finance. The idea of scrapping it was a consideration, but do I have any alteranatives given that I still owe…
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Removal of charge from secured loan
Hi, looking for advice on how to remove a charge on my property from an old secured loan. Loan was repaid around 12 years ago, lender went in to administration and no documents available to confirm it was repaid. Have tried contacting liquidators and new owners, no one has any details to verify this, looking to sell…
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Scottish Budget 2024: Income Tax and benefits changes confirmed – here's what they mean for you
Scottish Finance Secretary Shona Robison has announced changes to Income Tax thresholds, benefits and Stamp Duty in the Scottish Budget. We've rounded up the key changes and what they mean for you. Read the full story: Scottish Budget 2024: Income Tax and benefits changes confirmed – here's what they mean for you If you…
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Alcohol laws Scotland - Incorrect Pricing
Hello all, A handful of times over the last year I've been given what seems like a scripted response to asking stores to change the price of alcohol. To clarify, this is when there is an advertised price in store, but at checkout the price is more expensive than the ticket on the shelf. "Due to licensing laws we're unable…
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Entitled to grandparents home
My husband died when our son was 11 months old , his granny died 3 months later , my father in law lived in the family home alone, when his other sons relationship broke down he moved back home, my father inlaw was found living in complete squalor whilst his son lived in a room with all the heating on with separate food…
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Landlord Building insurance
Hello i own a flat in a tenement building. I have been with the same insurer for 3 years and when I renewed in March I informed them of investigation works taking place in the main stair and all flats due to a crack in main pipe. My insurers took a note and said to call to make a claim when needed. in Oct following updated…
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Gifting tax free Annual Exemption.
I have two nieces and would like to gift them each £3000. As the tax free Annual Exemption is £3000 and I never used last year's Annual Exemption of £3000, can I gift them each £3000 without any tax implications this tax year 2024/25.
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Housing Factors Solicitor's Conflict of Interest
My housing factor (Scotland) have had a solicitor ‘re-interpret’ our developments title deeds. The ‘re-interpretation’ to the title deeds is claiming that water ingress from one flat into another flat is now deemed communal and should be split amongst all homeowners in three blocks instead of being split between the two…
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Council Tax Scotland
Hi, I pay council tax on a property I own in Clackmannanshire. I Iam currently renting a flat in Edinburgh. Do I need to pay full council tax on the Edinburgh flat I am renting?
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Interest only mortgage
Hi, I am looking for advice/help. My Grandfather has recently been taken to hospital and we are looking to get him a care home. He owns his own house he purchased this in 1999 for just under £17.000 he got his mortgage from Halifax as interest only, we are now getting told by my aunt who has power of attorney that he now…
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Mortgage
Hi, Nationwide here. We've received your mortgage application. If you're an existing customer switching to a new deal, your switch has been accepted. What this mean? I have been accepted?
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My ex wants to buy me out
My ex and I currently have a joint mortgage together for our house which isnt paid off yet, he says he will buy me out for £20,000 but is he not suppose to give me half of the value of the house to buy my share
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Maternity Pay
Hi all, hoping someone will know better than me. At my work, we are entitled to 6 weeks @ 90% pay, 20 weeks at half pay + SMP, 13 weeks at SMP and a final 13 weeks no pay. My question is, a friend advised she thinks I would be entitled to some Universal Credit for the period of time I am on just SMP and then again when I…
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MSE News: Council tax in Scotland to be frozen until April 2025
Council tax for all 2.5 million households in Scotland will be frozen at current levels until April 2025, the Scottish Government has confirmed. It means no household in Scotland will see an increase in council tax for at least the next 18 months. Read the full story: 'Council tax in Scotland to be frozen until April 2025…
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Lost receipt for package from UK to China.
Package returned 17th January for refund of £52+ to Amazon seller in China from UK Post Office. Have lost receipt. Tracking info only received from PO suggests parcel has arrived in China, however it is now being held at Customs. Now Post Office insisting that they cannot issue copy of receipt of posting, without which…
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Building insurance
I live in a block of 4 flat factored by hacking and Paterson and they have increased our insurance to £520 for the year. I have repeatedly asked for them to help and try reduce costs by finding alternative insurance but have been offered nothing. I have done my own research and checked my title deeds and nowhere states…
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Adult Disability Payment claim
Hello all, I've been advised to apply for ADP. My wife is currently on ADP can we both claim this at the same time? Many thanks B
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Garage built without planning permission
I’m hoping to get some advice if possible. were due to move into a new property on 12th January however have only just found out that the previous owners had built a detached garage without prior planning permission. They have said they had guidance from the council about this at the time however regulation has since…
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Debt recovery plus…pay or ignore? Please help?
Hello- I have received 3 letters from DRP asking for 3 payments of £170. Although I am the owner of the car I was not driving, a family member was and is insured to do so. Should I pay or ignore? Conflicting advice on Google! I would be grateful for any help. I live in Glasgow/ Scotland. Thanks!!
