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Joint Savings Account with Sibling
I’m looking for the best option for the following joint account I want to open with a sibling. We plan to get a joint mortgage and want an account where we can both deposit money to cover mortgage payments. Whilst we trust each other implicitly, we would both like something that will allow us to set a chunk of money aside…
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Letter of Claim - DCB LEGAL (parking charge)
I have been sent a letter of claim from dcb legal on behalf of smart parking limited regarding an unpaid parking charge. I have never received or experienced anything like this and the date this occurred was 21st March 2023 so I also have zero memory of this therefore can’t dispute. Is this something I just go ahead and…
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what counts as income, as household income and expenditure
Hello, This probably sounds silly, but I'm confused by what might be classed as "My" versus "household" income and expenditure. Firstly, is expenditure just classified as rent, bills, not food shopping, toiletries, transport? Secondly, I have three children with disabilities who receive DLA/ PIP. One is only 8 so I assume…
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SIPP or Managed Portfolio
When in pension drawdown which do you prefer?
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North Greenwich Blue Badge car park
Hi all, I’ve read the NEWBIES thread and would really appreciate some advice on my situation. PCN details: Issued by Saba Park Services UK Limited Location: North Greenwich (near The O2) Date of issue: 29/10/2025 Reason: “Failing to fully display a valid Blue Badge in a Blue Badge reserved area” This was a windscreen…
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Increasing value for House Sale
Hi everyone. I have a couple of questions about selling my house to maximise its sale price. I know an estate agent would be ideal to ask but i'm in the doing it up stage to make it look nice for a sale and am about 2 months away from starting the process so just wondered if these things were worth spending money on.…
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Monthly or Annual Interest Accounts - Increase in interest tax April 2027
What are peoples thoughts when opening saving accounts at the moment with Monthly or Annual Interest due to the increase from 20% to 22% in Savings Tax from April 2027? Opening an account now with Annual interest pushes all the interest earned into 2027/2028 tax year now. But with an account today with Monthly interest…
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GroupNexus (CP Plus Ltd) - Admitted Driver In First Appeal
Hello, My father-in-law has picked up a parking ticket at a local hospital controlled by Group Nexus. Unfortunately I did not find out about this until after he had submitted his appeal in which he has admitted he was the driver. The PCN states the charge is for parking in a staff car park. The basis of his appeal was that…
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Battery only install
For now going for the cheaper option, as solar is out of our price range. Average usage is around 6kWh a day peak time. I know payback is not as good as solar (not that I'm worried about that), but needs must & will make a nice saving a month on bill, charging overnight on IOG, which we are on with 2 EV's & not wanting…
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Disputed bills after solar installation
Hi all, I’m looking for advice on a billing issue with OVO Energy. In April 2025 I had rooftop solar panels installed. Since then, my existing mechanical electricity meter has started running backwards when I export excess solar electricity to the grid, and forwards when I import electricity. I have regularly submitted…
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BW legal / Napier parking
Hi all, Stayed in a Napier car park in August, paid right away for an hour. Had a medical emergency on the beach, first aid for my little boy’s bleeding foot (hottest day of the year too, phew!) Got back to car in time, waited for AC to kick in, left car park. We overstayed parking by 13 minutes, which is reduced to 3…
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UK Air Passenger Duty kept on holiday cancellation
I was due to go on holiday with a firm called Distant Journeys but my wife injured herself so we had to cancel some weeks beforehand. I had to pay 100% of the cost of the holiday including the Air passenger Duty (APD) despite not flying. On claiming travel insurance, I could not claim the APD element and was told to…
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Vanquis reporting debt write-off ADVICE PLS🙏
Hey all First ever post on here. At my wits end! Due to debilitating health issue my own bank could see I was struggling to pay a loan and offered to write it off if I sent all the medical information they needed to evidence the write off. They were fantastic, empathetic and proactive. They also wrote to advise this would…
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How much compensation am I entitled to from British Gas?
I have had many issues with British gas for the past 16 months, ongoing issues that have not been resolved. As a result I have incorrect markers on my creditfile, ruining my credit score. I am due to remortgage in September and this is causing me a considerable amount of stress, I have been rejected from credit cards too.…
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Help and Advice Needed with Smart Parking PCN
Hi All. I have read through a lot of stuff on here but still haven't been able to come to a conclusion if I should try and fight a PCN. I probably have done the wrong thing by ignoring correspondence but now have received a CLAIM FORM for the alleged offence, prior to the Claim letter we got two letters from Debt Recovery…
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Will Storage Question - recommended place
about 10 years ago we updated our wills and lodged them with a solicitor who specialized in wills. We also helped our parents update their wills with same solicitor who offerred a cheap joint will storage service. A few years later the firm of solicitors send they could no longer store family wills together and suggested…
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Debenhams gift card not received
I’d like some advice on what course of action I can’t take. I ordered items from Debenhams totalling £160. I made the payment via Klarna. I returned the items which they confirmed they received. I selected a refund in the form of a gift card which I haven’t received. I’ve contacted Debenhams and they state that the gift…
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Cash ISA transfer issue from Marcus to Plum
I've recently opened a Plum Cash ISA and requested two transfers in, one from Post Office and one from Marcus. The Post Office one went very smoothly and the money was deposited in my Plum account after about a week. Not so with Marcus unfortunately, It appears that Plum will only make the transfer request by email but…
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Revolut pre paid card
Hi I have a Revolut pre paid card for travel. Just heard this is changing to bank account. I don't want another bank account does anybody know if these is any option to keep this pre paid card or do I need to close account. The MSE Website is still showing the option for this as a pre paid card
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PCN but not sure why
I have a lease car. a PCN was sent to my lease company who have passed it onto me. Apparently i was parked "in a manner whereby the driver became liable for a parking charge". The picture that they have attached shows me in the car, with my hands on the steering wheel. This is because I was not parked, I was trying to work…
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Built a tool that auto-fills all car insurance comparison sites at once, would you use it?
I built a Chrome extension that stores your details once and auto-fills multiple car insurance sites simultaneously with one click. Goal is to save people time as I normally spend few hours doing this. A few honest questions before I push this further: Do you check multiple car insurance quotes every year? Is the time…
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Switching
My mobile network is currently Lebara. I have seen better deals with Lebara but I am unsure if I can 'switch' to a new deal and keep my phone number. Am I right in saying that I would have to switch and port my current phone number to another provider, to then enable me to switch back to Lebara, again porting my number? I…
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Wembley retail Park small claims trial
Hello All, I have followed the advice of the newbies forum and it seems we are going to court on 5th May. BW Legal or uk parking patrol limited have submitted their witness statement as have I. The alleged offence is 29 mins overstay in a retail park with a lidl, macdonalds, currys', carpet shop and jd sports and max stay…
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RICS Survey Question
Hi all. House we are in process of buying we are looking to get a survey done. I have done quotes with a couple of somewhat local firms with good reviews. One has come back with a price for what I asked for (L2 survey), the other has come back to me recommending a level 3. For context its a 1950 2bed end of terrace. They…
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Unpowered Pressure Washers...?
There are many ads for these devices - many simply boxes that go between the tap and nozzle - claiming to be at least as powerful as a conventional mains powered pressure washer - but how do they work ? Do they actually increase the flow rate or just the pressure via reduced nozzle size ? how - surely you are limited by…
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CGT on business part of house property.
I own and have lived in my house since 1986. At the back of the house there is a large garden and a workshop which I have have used to run a ltd company for the last 30 years. I have been told that if I were to now sell the property there would be cgt due on a percentage of the property that has been used for the business.…
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Cynergy 1Yr Fixed Bond Maturity Interest Query
My bond matured today and the account shows the initial amount invested however it doesn't show the interest which should have been added. I've seen previous posts/comments on here which says that the interest doesn't usually get added until 7pm sometimes next day. Is this correct? I wanted to transfer it to a regular…
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IHT402 Question - Transfer of Nil Rate Band
Question 7 asks for the net value of the spouse or civil partners estate passing under their Will or Intestacy. At the time of my relatives death all their assets (home, bank accounts, savings etc..) were jointly owned with their wife.who took sole ownership of them on his passing. My relative had no other assets in their…
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Click to Pay ?
My bank is going to enrol all their customers onto Click to Pay unless they explicitly opt out. It is possible to lose Section 75 protection though with some Click to Pay transactions. Is this worth worrying about?
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Possible data breach of 'The Parking Space'
In November I got a Parking Charge Notice from private parking company 'The Parking Space' (TPS). The details are not important, but I forgot to pay for 2 hours instead of 1, and I just paid the PCN online. Whenever I deal with a new company, especially online, I use a new email alias, which allows me to know where emails…
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Notice of proposed allocation to the small claims track
I appealed my court claim with the help of this forum. I have now been sent a proposed allocation to the small claims track. Do we have advice/ template available regarding completing this form. My vehicle had genuinely been sold a few weeks prior to ticket. I was not the owner My insurance was cancelled and i was insured…
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Gilts - inflation linked Vs nominal check
Hi, I'm looking at securing 2 years of £20k in 2036&7. Using the ladder building tool it suggests that using nominal gilts would cost about £25k and using linkers would cost £34k. Is the £9k difference a reflection that markets currently think inflation will/might run a fair bit higher than the 3% the tool uses or have I…
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Old Style Daily Tuesday 21 April 2026
Good morning everyone.
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Estate - Investment Bond - How to complete "Tax Declaration for an entity"
Hi all, I hope someone can help me with this, I'm struggling. My dad sadly passed away towards the end of last year. My sister and I are executors of the estate and everything was left to my mum in the will. Most of dad's assets were jointly held apart from a stocks and shares ISA and an Investment/Portfolio Bond with Life…
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Delivery shops - a how to
I want to do my delivery shops for the month and then adjust them. However I don't get paid until Friday. Am I right in thinking that most supermarkets require you to have the funds to check out when you place the order? This is very inconvenient. Do you know why they do this? Thanks 😊
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Bought a car from a dealer and discovered several faults. What should I do?
The situation: Bought a car for £8500 from a dealer around 3 weeks ago. Paid £299 on credit card, the rest by bank transfer. Have since discovered several faults I believe were 'pre-existing'. Specifically: The door handle broke within 24 hours. The car battery died within a week (inspection report subsequently showed it…
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Run away? Victorian terrace survey help
Hello friendly folks! Clueless FTB here, so thanks in advance for your patience and insight. Any thoughts are very welcome and so appreciated. In the process of purchasing a late Victorian end terrace in the North of England. Trying to be very sensible about survey, but it's so tricky when you don't have any context or…
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Car insurance
We are looking to part-exchange later on this week and I wante'd to evaluate the cost of the vehicle change on my car insurance. I thought it was just a matter of changing the vehicle details and paying admin fees, but to my surprise it is not. They asked me if there are any modifications on the new car and I dutifully…
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Transfer from wtw taking ages
hi I have started a transfer from wtw to another provider more than 8 weeks ago and still has not been completed wtw says my funds were sold on 7th April but the new provider still has not received the funds. Since then, the fund has grown around 5% What can I do here? Is that timeframe reasonable? Am I entitled to a…
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Conveyancing and water pipes
I'm in the process of selling my parent's house which has been in their possession for over 50 years. All searches have been done and the buyers solicitor has come back with this: “We cannot see the title refers to any rights for the benefit of the Property to connect to, use and access the mains water pipe in the adjacent…