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INHERITANCE TAX VERSUS CAPITAL GAINS TAX
SIX YEARS AGO MOTHER DIED, FATHER DIED PREVIOUSLY TO HER AND THEIR JOINT I.T. ALLOWANCE IS £625K. THE ASSETS CAME TO MUCH LESS THAN THIS SO NO INHERITANCE TAX TO PAY. BECAUSE OF OBSTRUCTIONS FROM THE OTHER EXECUTOR THE SHARES HAVE ONLY JUST BEEN SOLD BUT PROCEEDS STILL COME TO BELOW THE ALLOWANCE. DO THE SHARE PROCEEDS…
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Is it a terrible mistake to buy a house where a neighbour has right of way over my driveway?
I have completely fallen in love with a house… however, the owners (now passed away) built an annexe in their garden. Due to planning issues, they were forced to separate this into a separate address and plot, effectively taking around a quarter of the original home's plot and giving the annexe owners right of way across…
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Suggestions for alternative to Sage Line 50 Accounts Package
Hi all I wasn’t too sure wether to put this in techie forum or this forum. However, given that my question is connected to budgeting and accounting I have put it here. I hope that’s ok. Our family runs a business that they purchased many years ago. When they purchased the business the accounts/book keeping software at the…
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Amazon refund help
hello. I will start by saying I am losing the will to live with Amazon customer services. in march I purchased a laptop from Amazon.. in early September that laptop would not turn on so I reported it to Amazon who said I needed to rerun it for a repair. I followed the instructions.printed the label out took it to the post…
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DCB Legal - letter of claim
Hello everyone, I've received a Letter of Claim and, after reading through several posts on here, decided to start a new thread to ask for some advice. Do you think it's worth defending this claim, or would I be better off settling it? The situation is as follows: I was in London for work and parked my car late at night.…
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Can someone please review my defence against DCB Legal please?
Hi all, first and foremost what a great forum, there is so much information, advice and guidance here. Thank you for all your work. I have received a N1 SDT for a parking breach incurred by another driver in my vehicle and Parking Eye are now chasing me as the owner as they don't know the identity of the driver. I intend…
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House purchase delayed for months due to negative equity
I'm buying a house and the purchase has been dragging on for months. We still haven't exchanged because the seller needs their mortgage lender's consent to proceed with the sale. I've been told the lender has been holding things up for several weeks. The seller says they're chasing, but there's still no decision or clear…
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Boiler service part needed.
Not sure if this is a C/R issue or a vent. Elderly next door neighbour had a Worcester Bosch boiler service by BOXT as she pays monthly for it on 1/10 and my partner was in the house with her and service tech person said the boiler was leaking and needed a new AAV plus inhibitor and some one will contact her to arrange a…
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MSE News: 'Ban extortionate premiums on pay-monthly car insurance,' urge campaigners
Calls to ban insurers from charging motorists a "poverty premium" when they pay for their car insurance on a monthly (instead of an annual) basis have been reignited by consumer group Which?. It's a long-standing issue that MoneySavingExpert.com (MSE) founder Martin Lewis has warned about for years. Here's what's…
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NS&I Growth Bond
I have just had a I yr fixed bond that has come to an end and on maturity it was transferred to a new Bond Issue 92 paying 4.82%. Is it worth me cancelling this Bond and moving it into Issue 93 paying 4.99% as it is within the 30days?
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Revolut Banking App stopped working on my iPhone over the weekend Oct 2026.
I'm having difficulty with Revolut as since the latest App update over the weekend I'm unable to open it on my phone, it just flashes Revolut then goes off. My iPhone should be compatible as on the App Store it says from iOS 15 up and works on this phone, and it was working fine prior to the latest update. The web access…
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MET Parking Stansted - Southgate/McDonalds car park - POPLA appeal help
Hi, Like many others on the thread, was caught out using the Starbucks car park and entering McDonalds late at night in August 2026. Based on advice from this website I appealed this with MET Parking. This was rejected and I appealed again via POPLA. I did not identify the driver. MET have responded to the POPLA appeal…
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Avis have told me that some tiny scratches on my hire car exceed the insurance excess
I feel like I am definitely being scammed. The company (Avis) operating out of Belgrade Airport found some very superficial scratches (probably caused by vegetation) on the car's bodywork. Despite me demonstrating that they could be wiped off with a bit of spit and a finger rub, they told me that the damage will exceed the…
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Nike UK Customer Service
Hi has anyone had any dealings with Nike UK at Corby. My partner purchased an item of clothing - it was too small so she returned it at her own expense. Bought the next size up and requested a refund for the return. As she does not have their app she sent it back via Royal Mail and has a certificate of posting. Almost a…
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Microsoft devalues its Microsoft 365 family subscription
Normally I never read emails about changes in Ts and Cs, and such but something made me read this. M365 gives a family of 6 up to 1TB each. Now, only 2TB is shared across the entire family. This is 50% capacity reduction for a family of 4, 2/3 reduction for a family of 6. Upcoming changes to your Microsoft 365 subscription…
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Advice on a new Tumble Dryer
Hi, Our current Candy tumble dryer has given up the ghost. Looking for a replacement with a budget up to £350. The main thing we use the tumble dryer for is bath towels and bedding, everything else dry's on an Airer. With us speed is more important than eco so looking for something that would dry 4 bath towels in under an…
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Date and AI
Has anyone else noticed that AI generally has problems with todays date ? When I ask META AI "what is todays date and time ?" - It often tells me either the previous day or something stupid like 1 April 1974… Copilot is the same 50% of the time… Is this only me ?
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Quoted posts being obscured by links
It may be because I'm on my phone, but when a forumite quotes another one's post, all I can see is the link, which makes it difficult to follow the conversation. Is there a settings change so I can see the quoted text rather than a link to it?
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Old Style Daily Wednesday 14 Oct 2026
Good morning all.
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LLoyds Ultra1% cashback coming to an end.
The Lloyds Ultra credit card has been great but the 1% cashback drops to 0.25% after a year. Also great for using abroad. If I cancel the card would they let me take out a new card at 1% cashback straight away or would I have to wait? If so how long? Any one tried this?
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Travel Insurance - inadequate gadget insurance.
Booked a holiday in Spain for 15 days. Touring. We are couple. Taking gadgets with us Macbook £600 (used), tablet £300 (used), 2 camera (£970 + £500 both new) and our two phones (£300 x 2). Total £2,970. I notice that our monthly bank travel insurance does not cover our gadgets adequately. Single article limit Some…
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Smart parking pcn help please
Hi, Newbie here and I am desperate for help. This relates to parking fine from smart parking ltd. The landowner is well documented not to respond (this i have discovered thanks to this forum!) Sequence of events for info (apologies for length of message I am stressed and not sure how to explain clearly, sorry): Got a…
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Scammed into a phone contract
Dear all So I have recently found out that my teenage son was scammed into taking out a phone contract and never received the phone. A friend's friend talked him into taking out a phone with the promise of selling on for a profit, but once he gave him the phone to sell on, was ghosted by him. He ignored Tesco mobile…
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British Gas MSE Collective Nov26
This tariff is due to end next month and I was wondering whether MSE is negotiating with any suppliers to do another "collective" or if we need to make our own arrangements? Can't seem to find anything when I search so thought I'd check here in case I've missed something before going it alone.
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Hole in floor under old warm air boiler?
Hi! I have just had an old warm air boiler remover and left underneath it is this very dingy looking hole/pipe/vent? The plumber who removed the boiler said it didn’t appear to be connected to it, but it was covered by this metal box the boiler sat on. My bungalow (1970 build) has concrete floors and I honestly have no…
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easyJet refused to provide proof of denied boarding, now refusing compensation
Hi everyone, My family and I recently tried to fly from Naples to Manchester. We were refused boarding, evidently because of an error with our booking - our two year old daughter was booked as an 'object' rather than having the seat that a two-year old should have (I accept there may be some things lost in translation…
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Leasehold
HI, we viewed a semi detached bungalow last week and have decided its The One . The only snag is its Leasehold with 934 years left on lease with a ground rent of £9 p.a. Are there any relevant questions to ask the agent to put our minds at ease before putting an offer in or is leasehold best avoided ?
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First Time Buyer / DMP / Scotland
Looking for someone savvy with poor credit and first time buyers specifically in Scotland. I have an active DMP with a debt management company. Debt accrued due to change in circumstances over a year or two rather than long term poor financial management. I have the opportunity to offer a partial settlement to become debt…
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Taking a 25% tax free lump sum
First please forgive my ignorance around this subject. I currently work full time in the NHS and plan to retire in about 10 years time. As I understand things, this is my current (non state) pension status. I have two NHS pensions. The 1995 NHS pension is frozen as a new pension scheme was introduced in 2015. The 1995 NHS…
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DMP - advice needed
Hello after speaking with StepChange and Debt Camel it looks as if a DMP is my only option. I currently have 85k debt (this includes interest on loans) Monzo - £15k Updraft - £21217 Updraft - £4600 Updraft - £4000 Norvuna - £9251 Zopa -£6500 Zopa - £7300 Zopa - £6324 Catalogue - £1218 Credit card - £1300 Credit card -…
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Notice for Switching from TalkTalk
Hi, apologies for the lenght of my thread. A query about charges for switching with a contract expiring on 14.12.26. When I asked customer service they replied I could do it "on 6.12.26" (a week before the expiry date), then "in November", than "now". I asked many times whether I would have to pay any fee. He said no. In…
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C1 Confirmation form - help needed with Declaration (name/address variations)
Hi everyone, I have studied the C1 Confirmation posts on this Forum for a while and found them enormously helpful. My mum died in September and I'm preparing the C1 form. Despite reading relevant posts, I have niggling doubts that I hope someone reading this will be able to help with. These relate mainly to differences in…
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Advice on potential IAS appeal and POFA defence please
Hi, I am a returning to this board after a long hiatus - I previously (2014) received excellent advice from the regulars on here to successfully appeal a PCN on the grounds of GPEOL (amongst other things), so thanks again for that. Fast forward to 2026 and another member of the family has recently received a PCN for the…
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TalkTalk new-look bill
TalkTalk took over my landline account from Shell Energy in July 2024. I make no outgoing calls from the landline. I received a letter from TalkTalk dated 16/09/26 telling me: new account number next bill will look different "there are no changes to how much you pay" When my next bill arrived, the total is £2.75 higher…
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Parking fine - Asda parking lot Horizon Parking
Hello everyone. My father recently got a parking fine for entering an ASDA from Horizon parking at [20:20] on [29/09/2026] and leaving at [14:54] on [30/09/2026], so he stayed for 18 hours according to them. However, he didn't stay for 18 hours and I have ring video footage of his van at home with the license plate visible…
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£200 Hotel Voucher for Santander fixed ISA
Has anyone used this offer, I can't seem to find any information in the T&C on the hotel chains. Fancy £400 in hotel vouchers? Transfer your full balance in one go from a non-Santander ISA to one of our Fixed Rate ISAs Transferring £25,000 and above gets you a £200 voucher Transferring £50,000 and above gets you 2 x £200…
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MSE Exclusive: Tesco Clubcard holder? It's hugely expanding where you can EARN points
Currently, you only earn Clubcard points at Tesco and 13 other retailers. But from Wednesday 14 October, Tesco is launching a rewards portal, where you can earn Clubcard points at 500-plus stores when shopping online. We've analysed how much you can earn and compared it to other supermarket reward and cashback schemes……
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TalkTalk Package Overview
Hi, on the TalkTalk new website I can't find the Package Overview (I can see the bills and only the package name (Fibre 65). Customer Service was not able to help. I was sent a contract two years ago but I would like to see the package current details to compare them to other suppliers' ones. Any advice? Thanks.
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Halifax isa reward at last .
I live in Scotland . Been a member of Halifax for as long as I can remember . Recently they took over bank of Scotland and all Halifax members in Scotland were meant to be transferred to bank of Scotland . Every time I sign in I still sign in with Halifax log in and never accepted visa or credit cards from bank of Scotland…
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Timing submission
I get paid on 15th UC on 22nd so was planning on paying my rent on the 22nd and then withdrawing the money from my account incase it is frozen/closed. It is a basic account anyway with Barclays. Hoping once OR says no interest they will leave it open. I was then going to submit the application on 22nd/23rd but the issue is…