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Did my brakes need doing?
I had my car MOT'd on Friday just gone and it failed on the rear nearside brake pad being to thin, it had an advisory of the offside rear brake as well, but no mention of the front brakes what so ever on the MOT test certificate. I have taken it back to the same gaarage Today and now they are saying the front ones would…
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Separating and splitting assets, remortgaging, pensions
Hello All New to all of this and hoping for some general pointers. My partner and I are separating (filed for DIY divorce 3 weeks ago). We are amicable and want to sort things out as simply as possible. We own our house worth 300k. We have no children and have both worked in similarly paid jobs. However their pension is a…
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Is this recycling within rules?
63 y.o.male. Currently in receipt of £25k DB pension. Also have £200k flexible drawdown DC pension Still working self-employed earning about £12.5k p.a. In recent years have always contributed at least £10k p.a. to pension pot. Was thinking of contributing a single payment of £8k to DC pension every February and then…
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PCN on Residential Parking and now LOC
Greetings to the esteemed warriors against the scum of the earth PPCs, I've gone through the Newbie thread followed some of the steps and I'm now at the Letter of Claim stage. I've drafted a response to the LOC but wanted to get a second eye to take a look at it. First to provide details: - I stay in a residential building…
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The inevitable pre-budget speculation on pensions
In the
run-up to last year’s budget there was forum chat about whether the expected
rise in CGT would happen overnight. The majority thought it would probably kick in the following tax year. Anyone who sold assets just before the budget on
the basis they could B&B them back if the rise was delayed, is free to have
a little…
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Energy Club Problems
I have been using MSE Cheap Energy Club for many years however, I had problems a few months ago when I signed in, as it just came up with my current Dashboard page and would not progress beyond that. I was clicking on 'View Deals', but nothing happens. I gave up, but have just tried it again and the same thing is…
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Private fine in Scotland but lease car reg in England
Hi, Recently received notice of a parking charge from a private firm (Smart Parking Ltd). Car is leased from Leasys who are based in England and are the registered keepers, however I am the leasee and live in Scotland. The email received from leasys to notify me of the PCN isnt very clear on whether they have charged me…
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What postal service do you use?
With the recent royal mail price increase ive been thinking about other options. Im talking about normal deliveries with a business ebay and amazon account. Inpost is very tempting (depending on height it can be £2.63-£6 for 15kg item) Though with inpost, evri and yodel you will need to declare slower deliveries. Ive found…
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Need Advice – Fighting UKCPM PCN at Rathbone Market (110 Barking Road)
Hi all, I’ve just received a County Court Claim Form from UKCPM, issued via the County Court Business Centre, after months of letters from BW Legal. I’ve now acknowledged the claim on MCOL and want to fight this properly — but would really appreciate some outside perspective. Background: * Alleged incident took place at…
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Has anyone had any experiences with ReAssure?
How do!. First time posting in the forum (I think) so apologies if I put this post in the wrong section. My question is this, has anyone had anything do with ReAssure? I ask because quite frankly they've been the worst company I have had to deal with and it's got to the point where I'm at my wits end. It started back in…
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DCBL High court enforcement attendance
Hello, The back of the letter is blank. Firstly let me thank you for all the free resources and help you provide on the forum and the newbies thread. I was taking my kids to school this morning when I noticed this tapes to the main gate of the block "not my actually door" if I hadn't been early and seen it some one would…
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Have we reached peak annuity rates?
Now that the higher interest rate medicine appears to be working and gilt yields are slightly down, does it look as though annuity rates have peaked for now? OH had a surprisingly good annuity estimate from Legal and General via moneyhelper, but when he went to the L&G website he got a slightly lower estimate using the…
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The Ongoing Saga of Ruby Trying to Own A Home
Hello, new home, new thread. If this is your first time here, welcome, I'm Ruby and together with my husband Mr Eskimo, we're on a journey to be mortgage free. We bought our first house in 2017 and made quite a big dent in the mortgage over that time, mostly due to some inheritance money and taking advantage of a very low…
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SAR + RoR with ECPL and DCBL
Hi, Sent in a SAR and RoR to Euro Car Parks to obtain evidence of a parking infringement from 18/11/24 and to ensure correct contact details. Last time I sent an RoR it got passed on to the "debt collectors", obviously not this time as still recieving letters to old address. Should I just send RoR to DBCL as well? ECP sent…
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Inheritance
Hi, I have recently inherited £120.000. I live with my partner, not married, and we have 2 children early 20’s. I would like to be able to gift them some money ready for when they buy a house, around £10,000 each, they have also inherited some money too of £10,000 so they will have £20,000. With the rest of the money I…
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Is Brake Fluid change a service item?
Hello, Just a quick and simple one- maybe too simple for a forum post. But would like to understand general consensus. One of the BMW dealership is running a promotion with a headline "BMW Service and Free MOT". Even the small print only states that service and MOT must be done on the same day. i have brake fluid change…
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Moved: NRAM/UKAR
This discussion has been moved.
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Spouse liabilities in sole director dies
If a sole director passes away for whatever reason, does his spouse (also next of kin) become liable for the companies debts, returning rented units back to their original state etc. Any advice greatly appreciated or what field a solicitor needs to specialise in to advise on this situation. Many Thanks
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British Gas Customer switch to MSE Collective Nov26
Hi. I'm currently a British Gas customer on a fixed tarrif v63 April26. MSE have offered me a slightly cheaper tarrif Collective Nov26 which can save me around £80/year. When I try to switch within the MSE Energy Club I'm asked for all my personal details including bank account information. It's as if I'm going to be set…
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Moving from Alpha to Partnership - tax code change question.
Hi all, I’ve switched from Alpha to Partnership. £2,800 a month is deducted by payroll. L&G add £700 for basic rate tax. My Department pays £1,500 direct to L&G. Total is £5,000 or £60k per year. Perfect. Total contributions are £2.8k x 12 = £33.6k, so I think I’m due an extra (40%-20%) x £33.6k = £6.7k refund. Ie my tax…
