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Money Moral Dilemma: We're funding our child's wedding - do we get any say in how the money's spent?
This week's MoneySaver who wants advice asks... My ex-partner and I have offered to fund most of our child's wedding. While we're only too happy to do so, we're a little concerned about how the money's being spent, with a significant amount going towards luxuries like a tattoo station and mixologist, rather than towards…
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Utility Warehouse
I'm not happy. To help a friend I signed up with them in April/May 2024. I got a load of stuff: mobile phone, cashback thingy etc. I never used any of it Then I got a demand for £9.94 in May 2024 for the SIM (which I'd never used) so naturally I ignored it. A couple of months ago UW reported me to Equifax as a defaulter so…
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Budget 2025
In Martin’s discussion with the Chancellor after the Budget she said that if source of income was only the state pension and this took it over the personal allowance there would be no tax to pay. What if the winter fuel allowance is the culprit here, is this additional income and so tax is payable?
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In specie Sipp transfer
I’ve requested a transfer from Charles Stanley direct to AJ Bell, it contains crystallised and uncrystallised funds - there are only two investments, HSBC ftse All world index inc. and Royal London Short term money market fund inc. plus a few hundred in cash - CSD charge £180 + £10 per investment for the transfer out but…
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Assessing my pension Pot.
Dear forum. My financial adviser has changed my draw down pension to a different pension fund. Actually Aviva to Fidelity. Apparently to make it easier. Not sure who for. It does not help me assess any changes to the overall fund. I am extremely disappointed with the fact that I cannot look
at my funds by a line graph or…
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Fuse Energy & OFTM Reviews please ⚡️
Do you use Fuse Energy? What do think? How is the customer service? The App? Billing? Please let me hear your reviews. I've read the previous threads, Trust pilot etc. I'd like to hear from current or previous users. I'd also like to hear the same about Outfox the Market? It's time for me to divorce 🐙 It's been a long time…
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Reverse Meal Planning
Not sure if many of you will have tried the reverse-meal plan idea. Rather than buying all the ingredients you need to support your meal-plan, you look at your fridge, freezer and store-cupboard and meal plan from that, minimising what you shop for. Based initially on the fresh produce that would be wasted if it is not…
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PIP Disregard in AP for UC
Hi - I know that PIP received within an AP for UC is disregarded until the following AP when it is then counted as capital. My question is: What amount of PIP is disregarded? Is it the FULL amount (e.g. if enhanced for both it would be £737.20 every 4 weeks) or is the amount minus the amount that goes straight to…
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Purchaser wants Deed of Variation to Lease due to ground rent
We are in the process of selling a flat and our purchaser has requested a Deed of Variation to the lease since the current ground rent is above the threshold that would make the lease subject to the landlords power to terminate the lease for arrears of rent. Apparently this is sometimes an issue for mortgage providers but…
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Interesting image.
Photo taken inside a McD in Walsall last night. First time I've seen a sign indicating a PPC can issue a fine!!
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To move to Barclays or to stay with Halifax
My current deal is ending on April 2026. My advisor called me today and he was able to get me a new deal from Barclays, rate is 4.06% no product fee. But the thing is this is going to be a new application since we will be moving from Halifax to Barclays. I wasn't able to get the new rates that Halifax is offering since…
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Bank messing up my HTB ISA bonus
Yesterday I closed my HSBC help to buy ISA in order to buy my first property. I am eligible under all the rules of the scheme. Closing balance over £7000. Today I received my closing letter from the bank, which states that "The balance of your help to buy ISA is below the minimum requirement to be eligible to claim a…
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Password managers?
I'm thinking of investing in a password manager such as Nordpass or Roboform which seem to be the most highly rated and about £0.75p a month. Any views, pro's - com's on password managers would be most welcome. Thanks.
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Securitization
My mortgage with kensington was a part of securitization) then it was sold to pepper engage credit i have only heard today about something to fo woth securitization but i am confused kensington confirmed to me that my mortgage was securitized in 2021 but sold to pepper engage credit what does this c,laim mean and how do…
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Wedding Anniversary Present?
I've been invited to a wedding anniversary celebration. I was wondering what type of present I should get the couple, if any. To make it more complicated I don't know the exact spelling of one of the couples first names or the number of the anniversary (I would guess it's somewhere between 25 to 40). Looking through sites,…
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Anyone flown SAS out of Manchester?
Obviously I'll check in online beforehand. But I'm trying to find out if there are self service bag drops at Manchester airport? The airport webpage says there are but I dont think that they are specific to SAS so not sure if I can use them The last time that I did this I arrived early as I dont like to be rushed only to…
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CCJ from parking fine
Hello, I've been reading the NEWBIE CCJ strike out threads. Just found out I had a CCJ to my name which was filed on 03 Nov 2022..... Don't ask me how I only realised a week ago - I'm a cash buyer type of buy, never deal in credit so my poor credit score never came to light. I only just managed to notice it and do a credit…
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Parcel gone missing from doorstep
Can I claim from the Royal Mail for a parcel which has seemingly gone missing? Just chasing-up what happened to this item and it was apparently delivered three months ago, there is a picture of it in the garden. However I didn't have any email saying it was on it's way, nor to say it was delivered, nor a card through the…
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NCP - Advice for technically overstaying
Hi, I’m looking for some advice about a Parking Charge to Keeper I received. I have appealed and that appeal was rejected but they seem to have reduced the “discounted” amount to £20. The notice shows the ANPR cameras pick up the car entering at 17:57 and leaving at 23:39. A parking ticket was bought at 18:02 for £4 and…
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Seeking advise on Weather Compensation
Hello I have a system boiler: Ideal Vogue Max and the set max temp is set to 60c because I also have a cylinder water tank. The thermostat is Ideal Halo System Wifi which is connected to the WiFi which apparently uses the local weather forcast for the weather compensation part which I am not quite following how it works…
