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How can I keep cats/wildlife out of my milk deliveries?
The simpliest way would be to get a coolbox but I have limited space in my house as I am an upstairs cottage flat and I currently have a milk holder and have a canvas bag tight around it and when not in use I hook it to the wall in my kitchen. I tend to get about 1 delivery a week damaged by wildlfie, I assume cats as it's…
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Claim Form Received
Hi all. Would be grateful for some help. I received a claim form in the post yesterday. It is from a parking fine from nearly 2 years ago. It's hard to remember the details from that long ago but I know that we tried to pay at the machine by card but the machine wouldnt take card payment. So then we had to go online on our…
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I hate bidding wars
I know I have to accept that it's always going to be about money, but I have to vent. Just sold our house after back and fore as initially offered us too low. We end up accepting slightly less as we find a house we fall in love with. We are first to put an offer in. Two offers come in after ours. The seller 'doesn't want…
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Manchester Bus Gate PCN - Appeal?
Received a PCN 'Alleged bus lane contravention' being in a bus lane. The image provided as evidence from Manchester City Council shows my car on a road with no floor markings or any sign of a bus lane. I went online to ask for evidence of the alleged contravention and linked to their own website that says what shows a bus…
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Nationwide £50 thank you for child trust fund account
My daughter received a cheque for £50 for a thank you but she doesnt have a bank account,i was advised to go direct to nationwide and cash it with them,all they did was pay it into her child trust account after i asked them to cash it and took ID with me. Why would they send a cheque out instead of paying it directly to…
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UKPC DCBL
Hi all. Received two PCNs from UKPC on an industrial estate when visiting the gym. The gym themselves state they have an agreement with the landowner that you can park here at weekends. To confuse matters the gym has its own car park which is free but often full. The business next door which is a kids fun park is privately…
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HSBC / First Direct login problems? App seems fine but not browser?
Just wondered if anyone else has experienced login issues with a desktop browser? I've updated the apps for both on my mobile (which admittedly is quite old, but the app works fine, else app wouldn't update or I wouldn't be able to unlock my security code). I can log into my accounts via the apps, but unable to seemingly…
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Selling/renting my property
Hello i currently have a flat with mortgage but will be buying a property with my boyfriend. If I sell it for £25k more than I bought it how much capital gains tax will I pay? Also if I don’t sell my flat but rent it how does this affect my income?
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Google are switching off all older Nest thermostats
As of October 2025, 1st and 2nd gen Next thermostats will have the majority of functionality switched off by Google. Owners will no longer be able to control the temperature via app or other smart home devices, all scheduling will be lost, and home/away assist will stop working. You will still be able to adjust the…
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Barclaycard
Hello I applied for a Barclaycard and a few hours later it said application successfull via email, told me my credit rating and says card and pin will arrive within 9 days… is that 100 percent guarantee that I been accepted as they have said they willl be sending me the card in 9 days.. anyone ever had this and then not…
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Surprise VM great renewal offer
Pleasant surprise today, I logged onto myvirginmedia and it randomly offered me a great deal. It said I was out of contract (pretty sure I have 6 months to go but hey) and I could renew 125mb for £14.50 per month ( down from c. £21 ). Contract has been accepted. In case it helps anyone may be worth checking myvirginmedia…
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How do pension providers no how much tax to charge
My mother receives about £350 a week in state pension and about £50 a week from a private pension She has a K tax code from the private pension and is taxed at about 50% How do the personal pension providers know how much tax to charge? Do the DWP provide information to the private pension providers on what other income my…
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Pensioners and tax returns
My mother receives about £350 a week in state pension and about another £50 a week from a small personal pension, This obviously takes her over the tax threshold and she pays about 50% tax on her personal pension, She has just received an anual interest statement from her non ISA savings of about £200. I know she won't pay…
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Filling out the 10-year anniversary IHT100d form for a trust
My father-in-law died a long time ago (November 1995), leaving his estate to my mother-in-law. Because his IHT NRB was not transferable in those days, she used a Deed of Variation to assign £120k of her inheritance to a new discretionary trust, of which she could be a *potential* beneficiary. The trust was created in…
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Index trackers
Are the Global funds and US funds that were so heavy in the "magnificent" seven now selling Tesla and Nvidia etc contributing to their fall, and investing in the next level of market caps to compensate, or do they have fixed dates for rebalancing in the not so distant future so more pain might come for these stocks down…
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Has anyone used Paying Too Much travel insurance?
Used this company for my upcoming holiday to the states as mentioned on MSE website to try these for insurance for people with long term conditions. I am having great difficulty communicating with them at the call centre which does not appear to be based in the UK. They were supposed to call me back but haven't. I travel…
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ISA investment and Financial year
Can anyone answer the question for me please? I opened a new ISA in March 2025. I invested the maximum amount of £20,000. My question is can I open a new ISA because we are now in the new Financial tax year April-March or will I need to wait until 2026 to purchase another ISA?
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wife of husband about to claim state pension
My friend's husband has claimed his pension from July this year. He is married but his wife is 10 years older. She has never claimed pension as she hardly worked and said she hadn't paid enough. I am not sure this is true, but could she not claim on her husbands national insurance and get 60% of his basic pension. I know…
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Aviva to Nest?
Hello. I'm a total ignoramus here, so am very much hoping for a steer! I have three private pension pots currently (that I know about). I have a pot at Mercer (around £25K) from an old employment scheme, into which I no longer pay; I have a relatively new Nest pension with my current employer (2 days a week - I also pay in…
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Car hoovers
Can anyone here recommend any cordless car hoovers please?
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Right to terminate car finance has incorrect figure
I’m new to this so if I’m in the wrong place forgive me !! So I have had finance on 5 cars with the same dealer over the years my last car left me with negative equity of 5k , I swapped vehicles and after two years of payments I’ve been offered a company car, so I looked at my agreement and I had paid over right to…
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Antivirus help
I bought a computer but I haven't had a computer for years, what should I do about antivirus etc, I'm just so overwhelmed with the options and don't really know what the difference is with each one or what I need. It's for surfing the web, my Google photos emails, buying things online etc etc. When I looked last McAfee…
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ISA Transfer
Apologies in advance if this is a dumb question. I have a fixed rate cash ISA which is due to mature in Nov. this year. I was wondering if I were to open a new fixed term cash ISA, currently at 4.2% for 5 years, could I transfer my original ISA into the 5 year ISA in Nov? If so, what would the interest rate be for the ISA…
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Sovereign Gold Bond
Anyone invested in these? Imagine would have done well over the past few years. Besides the link to gold pay an annual 2.5% interest too
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Redundancy & suitable alternative employment query
I have worked for more than two years in my current role, and I am in the consultation period (121 meetings as low number of is) I have been asked what I have done about job hunting. I asked politely what benefit it would do for me to share e.g. would I receive support, but I was told the onus was on me so I diverted from…
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Falsely Advertised Council Tax Band Options
So I have just purchased a property which was advertised as a council tax band D on both estate agents websites and the property questionnaire of the home report. I got my first council tax bill and it's come through as an E. I have queried it with the council and the information they have from the Assessors database is…
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Stamp duty refund?
Timeline May 1998 – xdh and I bought house in joint names July 2019 – xdh threw me out of the house May 2020 – divorce finalised October 2022 – I bought a house for me to live in (in my name only) May 2023 – xdh had marital home repossessed as he “forgot” to pay the mortgage (could afford to buy his fiancée an expensive…
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out of date
just a little rant as nothing i can do now normally when out shopping i check dates on any food i buy this time i didnt check (i hold my hands up) i was at asda and got there chocolate sponge puddings, after checking it when i got home its 11 yes correct eleven days out of date, how the heck is that still even on the shelf…
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Should I top up?
I have retired early and am in receipt of pensions from NHS and USS. I took advice from a financial advisor last year when I took my pensions and wanted to know what to do with the lump sums. At his suggestion I opened a Scottish widows private pension. Should I add to that again this financial year in order to get the…
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UC:Mix age couple Migration Notice
Hello👍 Just wanted to share our experience/process to help people in the same/similar position to ourselves; Have been doing some reading/research & will post back soon👍
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Energy Cap Fall prediction
I have just switched energy provide to Outfox the Market and fixed for 2 years. I am still in the cooling off period. I just read today that "Cornwall Insight predicts the UK government’s cap on energy bills will fall by 9% from July". Should I continue with the switch or will this news result in cheaper fixes? Maybe they…
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NSL
We have received a PCN from NSL. We want to know if this is a legitimate PCN as we have read threads on here that cause us concern. Our son was dropping off a hire car at the rental location at Stansted airport, we followed and drove down Coopers End Road, Stansted Airport (didn't see a sign), turned around and pulled up…
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2024 - 2025 Tax Not Calculated
I logged into my HMRC account today and it says it can take up to October to calculate. Is that right? I'm not self employed and have an employer however I started earning interest from savings in 2024 so I'm wondering if that's the reason it's not yet available, or is this normal? I'm wanting to prevent being taxed extra…
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Need new "dumb" mobile phone immediately
Hi, I just dropped my "dumb" mobile phone down the toilet and now it doesnt work. I need another phone immediately. Can i just go to an EE shop, buy a new phone, and put the sim card into it and its job done? Its not a smartphone, just a dumbphone and i only want another dumbphone.
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Husband's CIFAS marker
This discussion was created from comments split from: Husband's CIFAS marker.
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Met Parking - Request for receipt at Starbucks?
The basis of my appeal is that I was told to use McDonalds car park at Stanstead basically so I could wait for a relatives arrival. My wife had done this on several occasions with no problem. I enclose 2 google photos which pretty much illustrates what I say on the day. 1. The sign saying 1 hours free parking (McDonalds)…
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Had Letter of Claim and emailed them from newbies thread - What do I do to their response?
Hello, so this is the first thread I'm making as I feel like I've looked at so many threads and the newbie thread excessively now and I don't know what to do. for the past like 6 months I've had letters about a parking charge 5.5 years ago, which they stopped sending me letters for after a while initially. They recently…
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LGPS AVC - Money Matters
A couple of months ago I began contributing to LGPS AVC, using Money Matters. I'm with WYPF. I've checked the Money Matters website and am struggling to find where I can track the pension pot. I wont be checking regularly but have an amount in mind for retirement so would like to see if i need to increase my payments as I…
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No response from Octopus
Have written to CEO of Octopus with a serious complaint affecting my 95 year old husband’s health with stress. We bought a cottage 2 years ago and has been uninhabitable with water and electricity shut off and received a bill from them over £5,000. Several letters to Octopus and their CEO and no reply. Asked for an…
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Building regulations - work to wall between house and garage
Hi all. Hoping someone can advise, tried contacting council but it'll be a while before anyone is able to call me back apparently. Recently bought a house, it's around 20 years old. Previous occupants had build a wet room from breeze blocks in the double garage with access from the dining room. I want the double garage…