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Is there any point claiming Marriage Allowance?
In all the discussions about frozen personal allowances the possibility that all state pensioners will be taxed on their state pension by 2027 doesn't take account of the effect of Marriage Allowance. Where the tax paying partner is in the higher tax band, it may still make sense to shift some of the tax liability to the…
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Reallocating profit in a S&S ISA
using loose example here to understand principle This financial year I have put 12 K in a cash ISA I have put 6K in a stocks and SHARES isa,scattered around a selection of tracking funds and a Money fund to hold in prior to investing. I invest into these most financial years within the same S&S isa provider However, I wish…
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Lose weight with Slimming World in 2025, You know you want to.
Time for a new Slimming World thread as we go into 2025. Feel free to join in. We are all at different stages of our journey & some are awesome target members. We are a lovely supportive wee group. Some go to group & some go it alone. As we move into new year feel free to pop in to our lovely thread. All welcome.
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Universal credit transitional element and change of circumstances
Hi, I’m looking to go self-employed soon and wondering if this will end my transitional element I got for migrating from tax credits. Is this classed as a significant change of circumstances in regards to the transitional element rules? All I can find is that significant changes include, moving in/out with a partner,…
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Shared Ownership and Land Registry Title
I am selling my shared ownership flat, it's proving to be a nightmarish project with delays and incomprehension with solicitors from both sides, even if it is a chain free transaction. Conveyancers from buyer's side are now saying that the land registry title doesn't show I had staircased from 35% to 50% (I did this at the…
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DCB Legal letter of claim and name change
Smart Parking, DCBL and now DCB Legal have recently started chasing me regarding an unpaid parking charge on 2021. My first question is that since then I have changed my name. They have been addressing me by my old name up until now, but I just needed to check if I should advise them of my new name now in case it goes to…
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The Three C's - Coffee, Clothes & Credit Cards
I'm back again and I thought I would start a new fresh diary. Life has been hectic for me in the last 6 months with some unexpected expenses that have sadly led to me getting into some more debt. Fortunately it is all on 0% credit cards and I plan to tackle it £1 at a time. Technically I do have enough in savings to cover…
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Solar panel claim
I am trying to ascertain whether this is genuine. My planet installed panels then went out of business. I was approached by Energy advice centre in Halifax, i checked companies house and they are genuine. I was passed on to Claim Resolution Services Ltd who also appear genuine on companies house, who would submit a claim…
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Lloyds Ultra Credit Card
Just seen that Lloyds have released a new Cashback CC with both no FX and 0.25% cashback. https://www.lloydsbank.com/credit-cards/ultra.html What are people's thoughts in comparison to the Barclaycard Rewards offering that is so often discussed around here?
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I have inherited a leasehold flat. Transferring land registry myself.
My father passed away 2 years ago and his wife (my stepmother) died in October. The flat remains in both of their names. I am the sole beneficiary & executor, and I have probate. Held as joint tenants. I have asked a solicitor and they want nearly £1000 to transfer the property into my name as I intend to keep the property…
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Being nosey... How many Regular Saver accounts do you have?
For ease of finding the RS League Table that Bobblehat compiles, I've added it to this 1st post. The updates will appear here periodically rather than embedded in the thread and a post will be made to the latest page to announce an update. Please send your data as usual and it will appear in the next update when it's…
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Cinch- Velar turbo failure.
I purchased a Velar from Cinch after hearing good things from my uncle about the company. All was going well, the purchase wasn't too stressful, the delivery fee was a bit of a pain but I wanted the car sharpish so forked out for it. delivered 6th Sept 2025 All was going well until I heard a weird noise from the engine…
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Winter Fuel Allowance - If I opt out will hubby get full amount?
My hubby is over 80 so if he was on his own he would be eligible for £300. This year he received £200 and I received £100. I am 69 but still work a little so will just be under the £35k limit. My question is....if I opt out does that mean that I am then not eligible for the Winter Fuel Payment my husband would get the full…
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Confused.com I cannot use my free Sainsbury's eGift card
I have contacted Confused.com but apparently they take 5 to 7 days to reply. Has anyone else had a problem? There I was in Sainsbury's must admit only went there because Confused.com confirmed my gift had been verified. Went to use the card, error code advised to try refreshing the screen, did, even went out side and…
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Tax Threshold Freeze Beyond End of Parliament
I'm not looking for any tax savings, I'm just trying to understand the benefit this this government gets by freezing the tax bands beyond the the current parliament to 2031. I assume that they will take advantage of the increase in the forecast revenue beyond 2029 to increase public funding in this parliament, taking…
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Raisin £100 bonus for opening easy access account in July
Raisin had an offer in the summer for a £100 bonus if you quoted a WELCOME100 code. Think you had to keep the money in for six months? Got the account in July. Anybody received this yet?
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Winter Fuel Payment
Hope this in the right section. As I was not entitled I opted out of the winter fuel payment on the 27th August and received email acknowledgement that my opt out had been successfully submitted. However today £100 winter fuel payment was made to my bank account. Has anybody else had this happen?
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Argos scam email or not?
I recently bought something from Argos and have had an email from noreply@vexrewards.com saying I am due a credit of £19.80 as the item was then reduced in the Black Friday sales. The email requires me to click a link to activate the voucher.Normally I would just ignore this kind of email completely, but having just bought…
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Manhattan T3-R or T4-R or an alternative?
Hi.Looking for a TV recorder. Ease of use is important, and being able to scroll back to previous days to 'catch up', so Freeview Play or equivalent.Two recordable channels tobesure tobesure.On-demand services like iPlayer etc (via WiFo or Ethernet, doesn't matter) would be a nice addition, tho' we already have this on the…
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ULEZ charges in error: more than two-thirds of mine are wrong!
Like a good boy, I signed up with TFL for automatic payment. I live outside the expanded ULEZ area and have to enter it (just) for childminding duties. They photograph me in my car and they charge me; simple. But no, my bank account has been plundered and, to date, about two-thirds of my payments have been for cars which…
