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Joint tenancy question
supposing you were a widow(er) or a single person and wanted to leave your house or flat to your son on your death one way obviously would be to make a will and on your death probate would be required and eventually the transfer would be made are there any advantages or disadvantages of doing it a different way so the…
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Buying Garden Land from a neighbour
Hi, our garden is a quite irregular shape, as is our neighbours. There is a long relatively narrow area, at a guess 3-4 metres wide by about 6 metres that is adjacent to our garden. This shape narrows our garden and offers little useful space for our neighbour (in relation to the rest of his garden and proximity to his…
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Edit additional postage on ebay app?
I have a few multiple quantity listings, the postage should only be one charge per order but the additional postage price seems to be set the same as the original postage price for each extra item. Is there a way to edit this using the app? Or do I need to use a desktop computer? If I need to use a computer is there a way…
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Storing spices in bulk? I.e putting them in containers, on shelves etc?
I bulk buy spices from Asian supermarkets as they are cheaper than regular supermarkets often by a long shot but often means I may have 2/3kg bags of each item and means I have 1 cupboard in my kitchen that is purely for spices, stock cubes, and tea/coffee and I have 4 more cupboards in the kitchen but they are all…
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Haggling with Virgin Media
Virgin Media want to put our package price up to £89/pm (M125 broadband - Mix TV - Weekend calls), got a counter offer of £74/pm which I didn't accept and so gave notice (2 weeks ago) thinking I would get a call from their retentions department but have heard nothing since. Have been with them for 21yrs and so surprised I…
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I need to turn mains water off for a bit, will it affect ASHP?
Hi I want to fix a dripping tap, so Ill need to turn the mains off. Will this affect the ASHP plumbing? All my heating (radiators etc) is controlled by the ASHP. I think its safe to turn off the water, but thought Id check first. Thanks
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Bathroom Extractor
Need to fit an extractor in a small rectangular bathroom in a modernish terraced property, the bath is along the righthand wall, the basin is under the window in the only outside wall (opposite the entrance door) and the WC is just to the left of the basin. Can't fit a through the wall extractor fan to the left of the…
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Emerald Airlines - ignoring my claim.
Long story short, flight BHD -> LBA cancelled on 11 Sept 2022 due to 'Technical Issue' just as we were about to board, we were moved to another flight the following day (around 21hrs later) and put up in a hotel by AerLingus. We are a family of 4, daughter (5) missed a day of school because of it. I raised a claim via…
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Global Tracker costs.....
For hisorical reasons, and maybe through error I have several different flavours of global tracker in my SIPP HMWO was my prefered and was the cheapest at the time (currently charges .15% ) SWLD current prefered (charges .12%) but I also have a fair wack of SWDA (charge .2%) Just doing the maths it would seem wise to sell…
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Mortgage Buyout Options Accord
Hi all, currently trying to buy out my partner and transferring the equity to me. House estimated to be max 190k value although need a proper valuation, could be 185k.16 year 10 month £62800 mortgage left at 4.58% at that rate for 4 more years.Need £62600 to buy her out assuming 190k is value.Have 10k and can be gifted…
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New USS modeller
Just a heads up, that there is a new benefits modeller on the USS site: https://www.uss.co.uk/my-uss/calculators-and-tools/benefit-calculator There are more options in terms of how and when to take the DC and DB benefits. It does not take into account the (improved) changes to DB contributions next year. It would be…
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Successful complaints about private parking tickets - how to get them cancelled!
:D A happy thread of successes against private parking tickets by complaining! This is an ongoing record of cases where a motorist has succeeded in getting a private parking charge cancelled, simply by making an assertive complaint to the retailer/landowner/cinema/hotel/services (or other misinformed idiot) who naively…
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Parking charge at own address but I now need a parking permit - England
On Friday (March 1st, 2024), I got a new car. However, I haven't transferred my insurance yet because I'm having some issues with the dealership that I want resolved before switching it over. My old car, which has a valid parking permit for my building's communal parking spaces, is still insured. I parked the new car in…
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Resolvecall letter
Hi all I've had a letter from Resolvecall advising they're acting on behalf of Intrum (never heard of either) to collect a debt owed to Halifax. The account in question is probably 15 years old, and doesn't even show on my credit report, nor have I ever had a CCJ for this. The letter states that they will be visiting my…
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PCP and credit rating/history advice
Hi all Wondered if anybody in the know maybe able to advise. 6 years ago we got into a lot of debt trouble and myself and my wife went down the IVA route. We cleared the IVA early (after four years) and have been building our credit ever since and saving towards buying our first house. We are in our early forties so time…
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Pension charges doubling for going into drawdown at Hargreaves Lansdown
If you have a SIPP with HL and you are invested in exchange traded assets (e.g. shares, ETFs, investment trusts), the annual charges are capped at £200 a year. I’ve discovered that if I move part of my SIPP into drawdown, my annual pension charges will double. It will be £200 for the SIPP and £200 for the drawdown account.…
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Fixed tariff information
Hi I am a bit confused. On the money expert site it lists site the octopus fixed price tariff as worth considering at 3% below the price cap. However, when I use the calculator further down the page it says it is not worth it as money saving expert recommends fixed prices to be 9% below the price cap. Can anyone explain…
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Santander have changed my mortgage to an offset?
Hi All we have had a mortgage with Alliance Leicester mortgage since 2008, it is a tracker at 1% above the BoE base rate. When Santander took over Alliance and Leicester the mortgages didn’t move they remained as A&L. Our mortgage payments are now £528 a month and we owe £46500 - we have been paying a steady direct debit…
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A swift kick in the nethers for UKPC/DCB Legal in County Court approaches
County Court Claim arrived today from UKPC courtesy of the dribbling knuckle-draggers at DCB Legal. I was expecting it and now looking forward to giving them a good spanking and finally putting this sorry saga to bed given the incredible advice and wealth of knowledge on this forum; you guys are genuinely the best, I've…
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Anything wrong with this flat?
Hello All Just as the title says really. I was wondering if anyone can spot something bad (or good!) about it? There are two other flats for sale in the same block and its not a huge development so slightly nervous about that. The lease is long, but are there issues these days peculiar to flats such as cladding or disputes…