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Gilt Ladder In Pension Fund
To diversify my portfolio a bit more I'm investigating building a gilt ladder. I have no need of this money within the next ten years since I "pay" myself out of cash that I hold in the SIPP and my MM fund. With that in mind, would a ladder be a bit redundant and maybe should I just split it across T31 and TR32 with that…
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Removing both asbestos vinyl tiles or both tiles and adhesive
During some current renovation work (have been using this forum a lot - thanks!) we've found asbestos adhesive and vinyl tiles under ceramic tiles in the utility room. Its a small area - about 6m2 at most. The ceramic tiles are a little bit loose in places and some have cracked, so it isn't a solution to just go over…
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Error on my P800 for 2024/2025
I have just been notified of my 2024/2025 tax calculation. The online P800 shows untaxed interest of £666 taxed at 0%. My actual untaxed interest is £1,195 so HMRC have underestimated my tax payable by £39, being £195 @ 20%. In addition to this, there are other adjustments which result in overpaid tax of £265.80. HMRC say…
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mis sold finance - what happens now?
Hi - new here so i will try keep it brief. I filled in the finance checker on MSE, 1 of my 4 finance agreements came back as misold - all 4 were VAG, but only the Audi one came back as mis sold. Happy up to now. Then around 3 weeks ago i was called by a lady, told i would be contacted by a solicitor to give me info on my…
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Citroen Recall Help
Hello Everyone! I had my car recalled as part of the Stellantis airbag recall. It was a nightmare to get a do not drive order in August and they only gave me a rental car from September and the car was fixed at the end of November. They told me they'd collect the rental car and they never did. I emailed them to clarify the…
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Interactive Investor - lower costs from Feb 2026
By email today: "We’re introducing new charges with a simpler, all-in-one flat fee to cover your ISAs, pensions, and investments. We wanted to give you plenty of notice ahead of time so you can see how these changes will affect you. What’s changing for you? From 1 February 2026, you’ll move to our new Plus plan. Your…
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ii new platform plans 2026
Received an email flagging new plan charges to be introduced February next year. In my case my current £21.99 tariff covering ISA, GIA, SIPP accounts will reduce to £14.99 (Plus plan) with improved trading and FX charges and ability to tack on family accounts ( up to £100k) for no additional charge. In these inflationary…
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NatWest Business Account Suddenly “Unavailable”
Hello, My 3-year-old NatWest business account has suddenly stopped appearing in online banking. When I log in, it only shows “Your account is unavailable.” What I’ve tried so far: * Logged in on both mobile and desktop – same error * Called customer service repeatedly – told a “central team” will call me but no contact *…
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Executor obtaining House Buildings Insurance
I'm an executor and I need to obtain House Buildings Insurance on behalf of the estate, any pointers appreciated TIA.
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Aviva options...?
Hi, I want to access 25% of my Aviva pension; total is approx £53,504 so I can take approx £13,376. I've been using their 'tool' to decide the best way of doing this so I'm looking for any wise opinions. This is my works pension which will continue to be paid into and grow after the withdrawal. Current monthly total being…
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My Ex is asking for child maintenance increase
Hi all, I’ve been paying my ex £400 a month in child maintenance since 2016. My income was higher back then, and that amount also assumed my son staying with me two weekends a month (which he hasn’t done for quite some time). Currently, on top of the £400, I also cover fairly regular extras each year, birthdays, Christmas,…
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Cavity Wall Insulation removal
Has anyone else experienced problems AFTER removal? We contacted CIGA September, inspector came out and confirmed the insulation should never have been installed and proper checks not made, report confirmed this with photos including reading found internal on damaged walls. We had the cavity removed within the last month,…
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Hastings Direct Car Insurance Beware.
Signed up to Hastings You Drive without realising that it uses a black box to monitor your driving, this wasn't for me so cancelled within the 14 days cooling off period. The deposit was £46 and all I received back was £6, all the rest was kept in fees. BE VERY AWARE and read the small print which is what I should have…
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Lloyds Security
I asked this question back in May 2024 but have still not found an answer... https://forums.moneysavingexpert.com/discussion/6528702/lloyds-security/p1 Following recent interest rate reductions I want to transfer funds between a number of savings organisations. In most cases the transfer has to be via my linked current…
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LBA from Civil Enforcement Ltd regarding PCN
Good morning all, I have received an LBA this morning from the above regarding a PCN from Sep 23, I previously disputed but can't remember if I did this via letter or on their appeal system. The PCN is for private land and I forgot to add my registration number to the system as it was new there. I spoke to staff onsite and…
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Mortimer clarke / cabot historic debt with barclycard
Mortimer clarke sent me a letter this week acting on behalf of cabot who purchased an old debt from barclaycard I have never spoken with cabot ever I am disabled now on benifits amd not well Barclays £1500 debt they say with court fees with be over £2000 I have not paid anything from the debt since before covid as i was…
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Travel Republic /Dnata Travel Group closing UK brand
Hello everyone, Dnata Travel Group (who own Travel Republic) confirmed in November 2025 that it is proposing to close its Travel Republic and Netflights consumer brands, with staff currently in a formal consultation process. Apparently, it is following a 'strategic review' of UK business. They say via Google that existing…
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Amazon Voucher Codes
Hi, I've found a whole list of Hisense voucher codes on the Amazon website. It's mainly for Hisense TVs and Hisense soundbar. Over 30 codes. Some good TV offers available if you are looking for a new TV. You can see all the codes here - https://www.lcga.co.uk/amazon_deals.html
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Transferring assets in event of terminal illness
Married couple, one of which own a second property entirely in their name which they inherited about 10 years ago (and have never lived there). Their spouse has been diagnosed with a terminal illness and looking online there is a suggestion that the property should be transferred into their name as when it's then…
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Children's smart tech
I'm looking into first smartwatch, GPS tracker, or alternative for my 10yr old son. I'm reluctant to go down the phone route for many reasons, as I think they are too much of a distraction (particularly at school). GPS is frequency reported as inaccurate. Often there seems to be hidden subscription charges also. All…
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ANPR PCN Appeal to POPLA on Medical Grounds
I'm prepping my appeal to POPLA. I was going thru Whittington when my DIABETES Sensor alarm went off, so needed to pull over sharpish, I saw a sign for the castle and dived into the car park to deal with whatever the alarm was for. Cant touch my phone while driving. I was having a hypo and it was actually quite a sharp…
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SES Water - Government backed water scheme
Hi I am with SES water and within their standing charge they have a contribution which is for the above - and is used for people who can't pay their bills. It was £6.20 in January and is now £11.95. I have tried speaking to them to understand firstly why it has gone up by nearly 50% but secondly why it is that we are…
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ISA shares dripping
If you hold shares in an old ISA that pays dividends the income is not taxable. Some companies will allow you to reinvest the dividend (DRIP) into buying more shares rather than take the dividend as cash. If you decided to take this option do HMRC regard this as investing in a new ISA?
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Worrying survey report for newly refurbed Victorian terrace - what to do!?
We're first time buyers and had a £310k offer accepted on a 4-bed victorian period terrace 2 weeks ago. (Originally was put on for 320k but then got reduced to £310k as lots of other properties on the market). Since then, we've had our mortgage offer, the solicitors are going to be doing searches soon, and we've just got…
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Unable to connect to Fibre in road
City Fibre installed one box for four homes on our section of road, impossible to connect to this without digging up multiple driveways requiring homeowners permission. Vodaphone have sent many communications to connect fibre to home not accepting difficulties outlined. Would it be feasible for provider to insert another…
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Haier 5 Year Warranty
Morning I'm hoping someone can give me some advice. I bought a Haier Washer Dryer from Currys. I bought it specifically because it came with a 5 Year Parts and Labour Warranty from Haier. I called the number on the warranty info I received with the product, its Domestic and General (D&G), to register it and they said I…
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Where do you find the best deals for electronics in the UK?
Hello! I’m looking for a laptop and noticed big price differences online. Which websites usually offer the best deals for tech products?
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How do you stay productive during long study sessions?
Hi! Sometimes I lose focus quickly when studying. Do you have any simple techniques that help you stay concentrated for longer? Pomodoro, apps, routines — anything is helpful.
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Your best budget travel hacks as a student?
Hello! I’m trying to plan a few low-budget trips and would love to learn from others. What are your top money-saving travel hacks as a student? Anything from accommodation to transport to food is helpful!
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Travelling to Dubai as a queer person
My brother lives there and he would like me to visit him. However, being a queer person I'm afraid of my security. Do you have experiences in travelling to Dubai and did you feel safe? Thanks!
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Would you buy a house with an internal manhole and drainage issues?
Hi everyone, My partner and I are currently in the process buying a house we really love, but there are concerns and we would really appreciate people’s thoughts—especially anyone experienced with drainage or buying homes with legacy work. Key Findings * There’s an internal manhole that ended up inside after an extension…
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Recently retired on state pension but taking up part time work: PAYE or Self-Assessment
I retired last month on the full state pension 'plus' (£244 weekly). I have been asked if I would like to work for a company on ad-hoc hours (no more than 16 per week). Because I'm over the full state pension of £230.25 and have savings, I'll have to pay tax somehow in the future regardless. My partner still works if that…
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ILG information
Chaps - How do I find out when an ILG was first issued - TR26 for example? How do I find out what the inflation rate is from when an ILG was first issued? The thinking being that if the current dirty price of the ILG is less than what it should be given the inflation rate since first issue, then perhaps it is worth a punt?
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Shocking treatment and marketing
So how insane, manipulative and irresponsible is this. Out of the blue, Barclays cut my platinum credit card limit by 15 times... Apparently following an alert from a credit referencing agency, despite NEVER missing a payment or ever approaching my credit ceiling in 15 years, my balance has been cleared by direct debit…
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Unasked cancellation and refund after email stated shipped
Hi, I bought a TV on 4 Dec 25 from a .co.uk website after asking google ai 'is this a real company?' and getting a positive answer. It is a UK LDT with a companies house nymber.. I have since checked what they say in 'about' on the website and the answer is a 'european online retailer' for a chinese company. The price was…
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O/S Daily Monday December 8 2025
Morning all.
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Buildings insurance for house split into flats (share of freehold)
Hi, We have a Victorian house split into several flats each with a share of freehold. The buildings insurance covers the whole building and the policy is in the name of the freehold company. Can anyone with a similar set up advise on who they’ve managed to get the cheapest prices for buildings insurance from? And are there…
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Replace bath to a shower tray
Hello so basically nobody in our house takes a bath just shower it’s not the biggest bathroom so I’ve been thinking for a while of getting rid of the bath. How hard of a job would it to install a shower tray in place of the bath? If I keep the waste pipe in the same location so no need to move anything we have an electric…
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Scottish Pre pay meter query?
I have just gone over to a pre pay smart meter. My issue is that I am constantly feeding it, when I bring up the payments on my phone app it also shows my meter credit and a separate statement with an increasing credit. It seems that a percentage of my meter payment is going into this account? I understand that there is a…
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Moved: Springbok property sales
This discussion has been moved.