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Toilet door advice please.
As in other threads I have going my FIL has Parkinson's. He has a small WC cubicle where the door opens inward. The person from the "falls team" suggested for his safety that you should change the door to open outward incase he falls in the cubicle and then people won't be able to open the toilet door. The issue have is…
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Credit Checks
This is a question out of curiosity. I receive updates from two different companies regarding my Credit score. Both are usually pretty similar. Recently one notified my score had dropped slightly as I was not utilising my credit. The other said my rating had increased as my credit useage had gone down. My overall rating is…
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A new royal start
I mmmed and ahhhed about whether to start a diary on here or not. However, my head hurts with all my internal planning, so I thought I'd give it a go! I cannot promise excitement though! So here goes... we bought our house almost 6 years ago now and stretched ourselves quite a bit to get it (in the expensive South). I…
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2026 - 52 Week Envelope Challenge
Save £1378 in 2026! Welcome to the '2026' 52 week envelope savings challenge! This challenge ran the last couple of years and I have been asked to set it up again for 2026. It can really boost your savings pots and help with paying for Christmas, or a family holiday...anything you like really! It can be done wither with…
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Bank limits without Grant of Probate
I’m currently helping manage an estate and have run into the varying limits banks impose for releasing funds without a Grant of Probate - though a Death Certificate is always required. NatWest had “consolidated” the accounts to “simplify” finances, with about £30k in cash ISAs, £18k in Fixed Term Savings, and £7k in a…
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Beware of Admiral hiking insurance quote if using a discount code
We are Admiral customers and have been for many years and bought their travel insurance at the platinum level and I’ve never had a reason to use it i.e. claim. This year, I wanted to make a change for the last 3 months duration of the Policy & upgrade to worldwide, The quote given was ridiculous @£87 for 3 months so I…
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Let's get this sorted then!
Hey everyone, I went back to uni just before I turned 40, so have quite a lot of debt from that, and from generally trying to live whilst working and studying. I tackled a bit before the end of 2024, but that was mostly getting on top of things, doing some 0% balance transfers, and I paid of two small debts of about £250…
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Hargreaves Lansdown - Funding LISA from Fund & Share account?
I'd like some help moving money into a HL LISA from the HL Fund & Share account I created please. I've set up a HL account for my son and then opened up a LISA, and at the time of doing so I funded it with £100 to get it going whilst I awaited cashing in some Premium Bonds to top it up to the £4k maximum. I then created a…
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Time for Change…..
I’m heading rapidly towards my half century and still don’t feel like a proper grown up in charge of my own destiny. It’s time that I pulled on my big girl pants and start facing facts and taking responsibility for my life. After all, I am the only one that can do it! I’m going to use this diary to keep up momentum and…
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Defending Euro Car Parks (DCB legal) claim (2 PCNs) – now at hearing stage – advice appreciated
Hi all, looking for some guidance on a small claims parking case. This relates to two PCNs issued by Euro Car Parks at a retail car park used by a gym. Background: Vehicle entered the car park on two separate dates 2 years ago The driver was attending the gym as an invited guest on both occasions. Evidence exists in the…
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Attention Deficit Debt Free Wannabe
I've decided to start a diary after reading through other peoples and being inspired and receiving some great advice 😀 I won't rehash what's already been posted. My original SOA and questions: https://forums.moneysavingexpert.com/discussion/6657842/advice-and-help-with-28k-debts Today is mothers day, so plan today is visit…
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Cash ISA transfer from Chip to Moneybox
My nephew asked for my help in setting up his first S&S ISA so that he could invest half his cash ISA savings in an S&S ISA. He is currently with Chip who don’t allow partial transfers so I suggested that he transfer all of his Chip cash ISA to a Moneybox cash ISA that has a better rate anyway and then do another transfer…
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SOA questions
hello I am trying to complete an SOA to inform next steps and just have some queries if anybody can help. My partner is joint owner of the property however we have been living separately for over two years due to a severe mental health crisis and during that time (and ongoing) I am paying the mortgage and all bills in our…
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Shawbrook 7 years fixed rate, would you go for that?
Shawbrook bank website is offering a quite rare (or let's say unusual) 7 years fixed rate Bond at 4.21% interest (and an Isa version at 4.14% with deposit allowed in the first 90 days that it is useful even for those who have already maxed out this year allowance and they must wait for April). Would you put £1000 on that ?…
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Conventional automatic transmission?
Can anyone recommend a small used car with a conventional automatic gearbox? I am loyal to Toyota and Honda but their Yaris/Jazz have CVT gearboxes and I would rather have a mechanical one, as I do on my larger Toyota and Honda. This is for my daughter, who can only drive automatic, and we are looking to spend up to £7000.
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Flexible cash Isa's rules
Hi, I have 2 x Zopa flexible cash Isa's for the years 2023/24 & 2024/25....... I have a zero balance in each, have I now lost the opportunity to put £20,000 back in each one for ever? I also have a 212 flexible cash Isa for 2025/26 with a zero balance I believe I can put the £20,000 back in before April 6th 2026?
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Part boarded my loft 20 years ago, now selling house
Hi all, I live in a 1997 build detached house, David Wilson homes in Nottinghamshire. I part boarded ( 25% around the hatch area only) the loft upon moving into the property 20 years ago. I am now selling this house. I have read reports that surveyors now condemn boarded lofts due to them oft-being screwed directly on the…
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Private pension v Cash ISA
Hello, advice needed please. I have approx 25k in a private pension which hasn’t had anything added to it in 2 years, I also have about 9k in an account with Trading 212, this gets 3.6% AER. My head spins trying to work out if keeping the private pension where it is is best or taking it out and putting it in an ISA, I know…
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Struggling with debt? Ask a stepchange debt adviser a question
If you need help with your debts, this is the thread for you. This is a new thread, as the old one was getting a tad long. Trained advisers from StepChange Debt Charity are here and waiting to answer your debt questions. They're a friendly bunch so please don't be shy! There are three ways to get in touch: 1 - Simply post…
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Rubylaw.com investment scam
I am concerned my friend may have got caught up in a investment scam, possibly and APP scam. where someone contacted them saying they could offer them a job. I'm not 100% on the details, but essentially they have ended up transferring a large amount of money to this company (scammer), through Kraken, which is a…
