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ES A to State Pension/Pension Credit
Good Morning and Best Wishes for 2026! I have a couple of concerns about my change to State Pension and Pension Credit this coming February. I currently receive ESA in support group and PIP enhanced mobility and standard care. I live alone. I will receive full SP from 25th February ( my first payment) and the on-line…
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O/S Daily Monday January 12 2026
Good morning all.
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Finalisation of inheritance tax.
I've recently had to sort out my late mother's estate and this included paying the IHT that was due. The sum required was calculated by an agent who specialises in this and the amount estimated to be owed along with all of the associated forms has been submitted to HMRC a few couple of months ago. Does anyone know how long…
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Funding a Nationwide RS - timings
Hi I have done a quick search of the forum and did not find the answer to the following so hoping you can help.My mum and I were on the Nationwide website yesterday (11/01) and the RS paying 6.5% caught her eye.So we opened the RS account and transferred £200 from her current account. So in my mind the 1st month is funded.…
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Hi I hope i put this is the right area
Hey Unfortunately the washing machine has now decided to come up with a f05 error just as I was hoping to get some clothes clean and fresh for a donation collection coming in a few days Anyway am with domestic and general for insurance can we call them up for this as mum and me are disabled (me temporarily have a frozen…
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Cancelled Family Court Hearing
About two months ago, the Oxford Family Court cancelled my daughter's Two DayaFinal Childrens' Matters Hearing 48 hours beforehand because of a shortage of judges. My daughter still lost between £7,900 in legal fees because her barrister had already booked two days to be in court. I understand all my daughter is able to do…
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Weekly Flylady Thread 12 January 2026
What is FLYLADY? Well, it's our version of the US flylady idea - but we work on the principle that housework is not fun, it's boring, can be time-consuming, is often thankless but, unfortunately, necessary. It's here on Old Style to provide the support we all need and to make the whole task easier and quicker. We also…
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Handling Property in Scotland with English Probate
Mother died in England and was resident there for many years so I, as Executor have sorted out the IHT and have Probate. In her estate she had a house in Scotland. Does anyone know if Probate is sufficient to handle it's transfer/sale, or do I need to convert it to a Scottish equivalent so my authority it is recognised in…
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Taxi to airport
Her Maj and I are flying off to sunny climes in the spring 2026 to celebrate our retirement. Flights and hotel booked, but for the UK transfer I'm thinking of booking a taxi to get us to airport. I did consider meet and greet among other options, but I didn't want the faff and taxi works out a bit cheaper - plus we travel…
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Possession claim
I have a tenant living in the property since 2015. I served Sec 21 on 1 Nov 2025 as I need to sell the house. Tenant didn't leave by 1 Jan 2026. I am preparing to take them to court by way of possession claim. Completed NB5 form and printed all docs Don't know how and where to submit the form and docs, how to pay. Got…
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Best savings accounts for pots
I currently have a Zopa account because I have around 10 different pots for different things and it helps me to keep track of my savings. Their interest rate has massively dropped lately when compared to the Chase savings for new current account customers but I can't seem to set up pots with a Chase savings account. Is…
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Overcharged for electricity due to time clock/ E7 meter problems.
Hello All I moved into my all electric 2 bed apartment in October 2025. My meter has readings, a day rate and night rate, as I believe there were Economy 7 storage heaters in the past. There are now standard electric radiators installed. I have been providing the day rate reading monthly to the supplier (British Gas),…
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Clarification over POFA and tactics
My daughter received a notice to keeper PCN for Nene park Sixfields in Northampton. It was issued by Civil Enforcement. Firstly the ‘offence’ is spurious as it states the driver exceeded the free parking period (1hr) Which she didn’t according to the photo evidence on the ntk. (34mins) In addition to that in the box ‘Terms…
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Redundancy insurance
I'm looking at redundancy insurance i don't really recognise any of the companies in the comparison result, is there any advice on what to look for
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Universal Credit budgeting advance
I went on to universal credit early last year and whilst waiting on my first payment I was asked if I wanted to get a loan to keep me going until my first universal credit payment then I could. I now only have £20 left to pay, and was wondering if I could pay that early then apply for a budgeting advance straight away? I…
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Car insurance increase after accident
Hi, We had an accident at the end of Nov and our car was written off. When we changed vehicle we paid over £300 for the remaining6 month of the policy. I understand that there was going to be an increase whilst the liability was being established, even thoughwe were confident it was not our fault. Now that it has been…
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tiny salary but lump sum for a house deposit means SLC want half son's salary's worth this year
My son is struggling on an entry level teacher's salary. He has a small amount deducted each month for student undergraduate and postgraduate loans as just over the thresholds. As a trust beneficiary he received £70,000 from a trust in the tax year 2024-5 for a house deposit, which he then used to buy a tiny 1-bed place…
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Looking for a new laptop
I am planning to do a CELTA course online (basically re-training to teach English as a foreign language). I then hope to teach online. I need a new laptop for this, but am a bit of a technophobe. A friend recommended the ASUS Vivobook 16 (£379) as a good all-rounder, with the HP-15 as a second choice. Does anyone have any…
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Someone claiming I damaged their car
Last night I was visiting a friend in a nearby housing estate. I could only find a parking space that was marked private, and decided to park there. When leaving my friend's, I discovered the owner of the private space had parked their car right behind mine, boxing me in. I figured out there was just enough room to do a…
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Claiming back Airport Duty Tax from Turkish Airlines
My son booked a flight with Turkish Airlines from London to Kathmandu (via a stop off in Istanbul). He had to cancel the flight due to an accident a couple of weeks before the trip. Part of the cost is obviously Airport Duty Tax. Our insurance covered the actual flight but not the Airport Duty Tax. A call to Turkish…
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Anybody know the 'grace period' for returning late at APH, Slip End Luton Airport?
As far as I can make out, it's simply 'up to midnight'... which is pretty useless for flights scheduled to land, say. 10pm.
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Mortgage - Best way forward
Hi All, I am looking for some advice, I know the there are multiple different answers. :) Our current mortgage term is due to end in Feb 2027, a mortgage of approx. £270K at that time. I'm in the very fortunate position of having a reasonable savings post £100K. I would like to pay off my mortgage as soon as possible, so I…
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IHT - Potentially Exempt Transfers
My understanding of the “7-year rule" is that all gifts made by the deceased in the 7 years prior to death must be declared to HMRC The total of all gifts (excluding specific exemptions) are then subject to IHT albeit taper relief may apply. It has been suggested to me - albeit I cannot find this stated anywhere - that the…
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Rebalancing My SIPP Portfolio
In the process of drawing-down a lump of tax free cash to spend on a number of specifics in February 2026. Although my SIPP is already balanced 60/40 in favour of equities, I have large sums (eg £300,000) in particular Vanguard funds.Although the specific funds are hugely diversified, my whole portfolio is with one…
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British Gas problem - RPS scheme for debt repayment - anyone familiar with this?
I'm having an issue with British Gas. It's a long drawn out saga about which I have recently been to the Ombudsman. To summarise: I have a debt with British Gas for which I had a payment plan, with a payment card. Everything was going just fine until BG moved all accounts over to their new system. They said they had to set…
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Theatre Ticket Agencies Still Breaking Their Own Code of Practice - Hidden Fees
I used by Blue Light Card to get a discount on tickets for the London Palladium and their website redirected me to London Theatre Direct. The tickets weren't discounted - in fact they turned out to be £1 more than Lyric Theatre (but I only found after booking). However, I didn't realise and booked two seats for Hadestown…
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QM2 newbies
My partner and I have the good fortune to be looking forward to being passengers on the Queen Mary 2 in the near future for three weeks. Neither of us has been on a cruise before. We are preparing as well as we can and I have, for example, already researched esims with a view to minimising onboard WiFi costs. But we are…
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Questions on Private Pension
I’m new on this thread. I have some questions hopefully someone can help me 1. Can someone recommend a company who can trace all my pensions? I used the government sponsored pension tracing but none of my previous employers’ names were shown and I couldn’t remember my pension providers. 2. I’m happy to pay for the tracing…
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how to fill Self assessment Page 13, Benefits from your employment
Page 13 of 15: Benefits from your employment - use your form P11D(or equivalent infomation) 9 Company cars and vans shall I fill the BIK total amount: £1200 Many Thanks
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PCN - MET Parking - POPLA Appeal
Good afternoon everyone, Firstly thank you to this forum and all its contributors for being so informative and helpful. My wife (keeper) received a PCN from MET Parking Services ltd from a Mcdonalds. I have scanned images of the PCN, but they are claiming we were parked and did not use the premises. I was driving, parked…
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Need some advice please parents need a wetroom and toilet built but manhole is under conservatory!
Hi, My in laws are in need of a downstairs wetroom and toilet (part garage conversion) but we didn't realise that there is manhole cover under the floor (previous owners) it is accessible but does this mean they can't get the work done? The original bathroom upstairs is directly above the back of the garage (which is…
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Aer Lingus are leaving Manchester airport from March
Aer Lingus are leaving Manchester airport from March. I am a solo parent travelling with 3 children I was due to fly direct to Orlando in April 30th but this is no cancelled and they have given me two options via email - Refund - Alternative flight Does anyone know if I can ask to be booked on direct to another airline?…
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Blocking voice mail from a single number
Hello, I've had to block someone's numbers (landline and mobile) but continue to receive voice mails from them. Is it true I can't stop the voice mails for this one number unless I discontinue to accept voice mails from everyone? i use voice mail to deter spam callers, so this isn't an option. Thanks in advance.
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Anyone used Flyp to leverage multiple estate agents?
Hello folks Forgive me if this has been discussed recently but I didnt find any results for Flyp when I searched the forum. I/we are new to house selling and have a property on the market with a supposedly highly rated local estate agent since October but not a great deal of interest and perhaps three or four viewings and…
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Looking to retire soon……best options?
I really want to retire this year…..current age 63, but not a lot of funds to play with. I’ve got £110k in savings….mostly in isas £40k in a Nest scheme. Also have an old (DB?) from 30-ish years ago which current statement is quoting annual payout just over £9k. I contacted them recently advising that I wish to start…
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What is my daughter's occupation?
Steady...Getting quotes for a new car, to which daughter will be added so I can help teach her to drive - get practice under t'belt. She's just returned from a year of travelling. Current employment status is part-time waitressing in a local gastropub, which is closed for January. She's just had a chat at the local…
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Ovo energy - paid/closed
I had a default of £1,775.85. I paid that today in full by bank transfer. When will that be updated to 0 balance and settled? I'm in hospital and never check my credit file until recently, so I'm paying my defaults off.
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DCB Legal - Court Claim received - can you advise
Claim form received this week. I'm nervous about going to court but feel like i need to because of the unjust nature of the charges I will take step 1 today and acknowledge receipt of the claim for money, but wanted to start a thread to give time for advice about my defence. Read that even details such as exact amount of…
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Car insurance 87 year old
Sister has been looking to renew car insurance looked on compare etc being quoted £900+ she drives locally has a clean license. can anyone recommend a reasonable company please . We’re with aviva and pay way under that amount
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Asda hiking the price
Been buying Banks Bitter for years and up until recently it was £1.12 in Asda, they've now nearly doubled it to £2 (Tesco is £1 and Morrisons 99p), this is a massive mark up and it's not only on beer. It's been all over the news that they've got thousands of products cheaper but what they don't say is that a lot of other…