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Bank account for a baby
Hello, we had a little girl last month and are looking into the best option for a bank account. There doesn't seem to be a huge range of accounts available to set up in her name (we have received a few cheques in her name so need this pay them in). Does anybody have recommendations of an account with a good interest rate?…
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New State Pension and Pension Credit amounts from April - inform council?
If someone's in receipt of both housing benefit and CTR, do they need to inform the council of the annual increases / changes to their SP and PC amounts once DWP confirms these changes? Also, would they need to report in-year changes to their pension credit amounts?
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Bankruptcy and credit score
I am into my 7th year of bankruptcy. When will this be deleted by credit agencies? Since my bankruptcy I have never defaulted on any bills.
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Husband retires officially in 2026 - Looking at our options for retirement.
We have saved towards a personal pension and transferred this to current employers pot. Not big earners, this pension will pay round about £6,700 per annum, possibly £7,000. The pension has not been amalgamated to this current job. This additional pension would be around £2,000 if hubby works until September 2026. When we…
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Probate/estate conundrum......
Hi all My Mum recently passed away aged 82. Probate has been granted last week. She had collected quite a lot of gold jewellery over the yrs and months before she died gave some gold to my son to have a signet ring made for his 21st bday which he did - and managed to show her literally weeks before she passed. My brother…
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Probate Valuations
When declaring assets and their values for probate how much detail do you need?Would one have to declare every book in a library individually for example or can you just estimate the whole value?
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Inheritance Tax
My Uncle has an estate which goes over the inheritance tax threshold. There are almost no liquid assets.Most of the value of the estate is in the house and a huge collection of stamps and other phillatelic material.The value of which might be similar to the house.Getting it valued and sold will take at least a couple of…
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Earings brought from Claire's accessories fell apart with in hours
I wonder if any one can give me some advice. My daughter is 14 and was desperate to get her ear pierced. We live in a very remote rural area, the nearest town is 1 1/2 hours away. I researched and researched and Clair's accessories was only place in this town to get ears pierced. I have medical conditions and struggle with…
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Section 75
Hi. New to the forum and joined because I'd like advice if I can claim with my credit card company using section 75. If not, is there any other way I can try and claim any money back? Thanks. I paid 3.5k for emergency drain works at my property. I paid on my credit card. Without going into too much detail, when I claimed…
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CURRYS AND CP PLUSS LTD & DCBL
Good morning, please can someone advise me what to do. Brief summary 28th December in curry’s buying 2 laptops and iPhone 15. Was in store for over 3 hrs. We obviously overstayed but manager said she messaged parking company to let them now we were legitimately there. 2 weeks later. Letter arrived with fine. We took it to…
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Shared Drive Woes
Hi, I am seeking some advice on behalf of my mother, who owns a semi-detached house that shares a drive with the adjoining property. Both houses are situated at the end of a single long drive, before dividing into their respective drive ways (imagine a y-shaped arrangement, with the houses adjoined by a central wall that…
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Ideas wanted for a shrub in a tub
As many may know, I volunteer with a border/ plant patch locally Approaching the door, and alongside the building wall we have large tubs, normally planted with whatever is going cheap in Morries etc However, two tubs have Salvia Hot lips in them, which do wellThe area is sheltered by the building, and we are in souther…
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Newcastle BS mortgage applications in 2024
Hi all, long time lurker! I’ve just had an application submitted to Newcastle Building Society and having not found too much about them on this forum (other than a few posts from a few years ago and very little from a google search other than their website). Anyone else used/using them recently? Does anyone know if they do…
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Owed money but self employed and no contract
My husband has worked for this client before and were more like friends so he never felt the need to draw up a contract (lesson now learnt!). Last January they asked him to house sit and pet sit for the summer, with lots of text message exchanges and they'd paid a deposit to him. He also still has their house keys. The…
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50% off this villa in Spain
5 bedroom private pool villa, Costa del Sol, just £921 for a week over Easter https://www.clickstay.com/p/9451?adults=2&checkin=2024-03-30&checkout=2024-04-06
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satellite cable for freesat
Hi, I need help please. I bought a Manhattan sx freesat box and I think I need to buy a satellite cable for it but I don't know which one? I've contacted the freesat helpline and they're not helpful at all. Thanks. San
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Getting compensation
A group of 8 of us booked a holiday with EasyJet to Rome to watch the rugby. EasyJet messed up and gave us boarding cards for a flight which didn’t exist , even though there was a flight on the same date and time as our boarding cards. we were denied access to the flight and had to stay an extra night . We’ve pursued…
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Vodafone router doesn’t auto reconnect when internet connection lost
I have the Vodafone broadband router model number THG 3000. But when the broadband becomes disconnected the box doesn’t automatically attempt to reconnect itself and this can only happen by turning the box off and on again. Clearly this is not going to be satisfactory if I’m away anywhere as it operates the ring doorbell…
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LPA & Preparedness
Hi all, Apologies if this isn't in the correct board. LPAs (financial and health&care) are in the process of being registered with myself as the attorney for both of my parents. I read the associated paperwork prior to signing etc and obviously to some extent 'know' my parents, however I'm also an only child and believe…
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IVA and renting
My monthly rent is over £800, an equity release agreement, the landlord wants me to leave. When I request the viewing of a property I'm asked what my inome is, but using the rule that rent should be a third of my annual income my rent is limited to £550. How can I get around this:I have proof of all my rent payments.
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Water Softener brine tank scum/mould ?
Recently replaced our water softener, now a Kinetico Kube which is later model of the previous failed unit. I am now noticing a scum/mould build up in the brine tank which I don't recall seeing in the previous unit. There is no sign of this scum in the water tank in loft, which is first place softened water goes, there is…
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Nest Workplace Pension
Is it possible to invest into more than one fund each month? For example if my total contributions are £500 a month could I invest £400 into the Sharia Fund and £100 into the Higher Risk Fund?
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PayPal Credit default
My PayPal Credit account has showed in my credit report for at least a month now as defaulted. However I’ve never received the default notice from them in the post and they are continuing to write to me and send emails seeking minimum payments? I just received another letter today saying minimum payment by 8th April? I am…
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DCBLegal LoC UkPCL
Date: July 2023 Vehicle - Motorbike Location - Lidl Crawley Parked between Disabled bays ( Hi All, I Have received a letter from DCBlegal "letter of claim" no reply forms included, I have parked in a spot between two disabled bays, but there's no hatched area separating them with lots of room in between. @ created as per…
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How many times have you switched bank account for free cash?
Poll started 19 March 2024 Some people make £1,000s in free cash from repeatedly switching bank accounts, with cash incentives of up to £200 typically offered to those willing to move (see Best bank accounts). This week we want to know how many times you've switched bank account cash and how much free cash this has netted…
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Checking my state pension forecast online
I check my state pension forecast on Gov. UK every year and the amount of £ £ £ i will get when i claim it always used to come up on a green background . I reached state pension age 2 months ago now when i check my SP forecast it does not let me know how many £ £ £ i will get when i claim it which will probably be in…
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Search didn’t show we were in a COMAH zone
We bought our house around 17 years ago and we did everything including a full survey and local search. Recently we found that we are in a COMAH zone but this didn’t show up on the search when we bought the house. It has been a COMAH zone for decades. Who do we approach for help?
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On higher rate pension tax relief but moving to new job. Will it transfer automatically?
Earlier this year I found I was eligible for higher rate tax relief on my pension as it is a "relief at source" pension. I called up HMRC and they arranged it and it's been reflected in my payslip. I move to a new job next month which is on higher pay. Should the pension setup also be relief at source, do I need to inform…
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Virgin Money Cash ISAs from 6/4/24
I have just read the following from Gov.UK. 1.2 Allow subscriptions to multiple ISAs of the same type, except for Lifetime ISA and Junior ISA This change is not mandatory, and managers can choose to limit subscriptions to only one ISA held with them in any tax year. Does anyone know if Virgin Money will be allowing…
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Purchasing an Investment Property
I was after some advice regarding the purchase of an investment property. I run a writing business. It has been extremely successful for the past five years but in the last year, Artificial Intelligence has ripped the absolute guts out of it and freelancers are dropping away and the work is drying up. I have managed to…
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Inaccurate invoice being threatened by debt collection
Hello, I had a 12 month contract for a website for e commerce which I cancelled at the end so that it did not renew. Unfortunately the company still took money out of my account despite them confirming the contract was cancelled. I disputed this payment with the bank and had a refund by the bank of the amount taken £33.60.…
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When to claim UC or any other benefits?
Looking like being made redundant in the next 4-6 weeks. Thinking ahead I will need to claim for any applicable benefits like UC. Do I need to wait until day 1 of unemployment or can I start the process earlier? Thanks
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Power of Attorney Query
One of my parents have just turned 75 and have set me up as a POA as a precaution although they are currently fit and healthy. They wanted to add me on to their bank account too but we now have a few concerns. We live at the same address and are concerned that by adding me, it could affect my tax credit awards, our…
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Low cost global ETF
Whats your favourite Global/All-world tracker ETF?
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Implied surrender?
Hello all! I’m looking for a little bit of help if possible please. Essentially there is a disagreement to the end date of our tenancy and I’m looking for some insight. Back in October me and the hubby decided we needed to end our tenancy early (we lost our jobs and simply couldn’t afford the London rent). We made this…
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Best way to combine multiple fixed rate ISAs?
I like having a fixed rate on my savings and though a mixture of my and banks messing up I have about 4 ISAs that mature in different mouths Given the latest will mature well after the transfer window on any new ISA, and id be penalised due moving out of the fixes, it's not straightforward I'm assuming the best way will be…
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Making Life Insurance Claim
Currently trying to make a claim for life insurance payout from Beagle Street. The policy was written in trust to the spouse of the deceased but the claim form is asking that we send away confirmation document to them. Has anyone else came across this?
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Ebay Classified Ad - Any pitfalls?
I did some reading about this before listing my item (a used car) as a classified ad. I used a classified listing because I read that there are less risks involved with INR/NAD claims.....basically it said that buyers cannot raise these types of cases on a classified ad.....great! Last thing I want is to sell a car to a…
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Old Style Daily Tuesday 19 March 2024
Morning. What a wild night!
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BBL from Lloyds now in the hands of Moorcroft
Hi. I'm a newbie here so please be gentle! My son took out a BBL with Lloyds. Before it was due to be repaid Lloyds closed his account and transferred the administration of the loan to Moorcroft. Lloyds have refused to say why they did that and we can't get any sense out of Moorcroft either. My son complained to the…