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Best way to split £3k to pay off credit cards
Hi, I have a £3k work bonus (after tax) coming my way in Dec. What is the best way to use these funds to pay off my debts below? All the APRs are similar. My plan was to pay off card 1 and close the card, and then reduce overdraft down to £500. Or should I consider another plan? Thank you. * Credit card 1 = £2,000, minimum…
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Cash ISAs capped at 12,000 (a year)
Amount under-65s can put into cash Isas (Individual Savings Accounts) capped at £12,000, with the rest of the £20,000 allowance reserved for investments
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Excepted Estate reporting estate value with no IHT to pay
Hi I'm helping to sort out probate where there is no IHT to pay as everything passes from the deceased to their spouse (below the thresholds etc). On the probate online page I have entered the estate value from the IHT calculator tool, but on the page below it it says "If you apply for probate for an excepted estate,…
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PCN (52M Failing to Comply with a prohibition on certain types of vehicle (motor vehicles)
Hi everyone, I received a PCN from Greenwich council for the above mentioned reason. One where the restrictions are not 24/7, but timed. Personally, I have no recollection of doing so. So I logged in to see the evidence, and all photos and the video they have is from me driving out if said zone. I know I might be…
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Co-op Bank: Can They Really Be That Bad?
Good afternoon all, Those of you who will have read my posts probably know that I bank with NatWest. I have two current accounts, main one joint with Mrs T and one sole. (A hangover from my share trading days). I’m looking about for an account with another bank for the purpose of emergencies in case I get frozen out of NW.…
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Alternatives to Monzo
I used Monzo as my main day-to-day account for several years, but closed my account earlier in the year because I was unhappy with their standard of customer service. Since then I've been using a Lloyds current account, but I've found myself really missing some of the key benefits of Monzo, like transactions appearing…
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How to protect unequal contributions when remortgaging and borrowing extra?
Hi all, Hoping someone can offer some guidance because I’m trying to make sure things are fair for both of us before we remortgage. My partner and I bought our house in July 2023 for £490,000. I didn’t contribute towards the deposit, but I covered the buying fees and I’ve been paying the mortgage on my own for the last 2.5…
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Dual citizenship tax
OH (an Aussie, considering getting UK dual citizenship) and I are thinking about spending large parts of our retirement in France, where one of our kids lives. I've discovered I may be eligible for German citizenship, which would solve the visa/time allowed issues. My question is whether there are any tax implications in…
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I Think I Can Retire at 57
Firstly, a thank you to you guys, I’ve been lurking on this forum for over 8 months now and have found it to be one of the best information resources available. Back in November’19 I didn’t really understand what I had in place and what my options were, now after crushing the numbers I think I can retire in 7 years at 57.…
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Credit Fix and Closure Certificate
so i finished my IVA with Credit fix in April 2024! i have tried to call them countless times about a Closure Certificate and just keep saying it can take up to 6 months! my issue is its been nearly 2 YEARS! and each time i call then don't understand and just say they will escalate this. i feel like each time i call they…
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Nuffield Private Hospital misleading information
I can't wait for an NHS op on my shoulder, too painful, so decided, first time in my life, to check out going private. I called the general info line for Nuffield Hospital and got a quote for the op my dr said I needed. They quoted £3800. The process is that you have to see the consultant first (£180 for 20 min) which I…
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Car touch up paint advice please
Today, I accidentally tapped my wristwatch on the main body of my newish car. The part that the driver's door closes onto. It has only left a small chip, but I notice it. I can see the grey below the paint kevel. I have the proper touch up paint, but today is raining and it is due to be damp the next few days. Will I cause…
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Unfair Horizon parking ticket
Hi can I ask you help with this: Basic Situation * PCN Issuer: Horizon Parking. * Reason for PCN: Issued via ANPR based on car park entry/exit. * Contention: The car was never parked in the private car park. It was parked on the adjacent street/public highway. * Evidence: Photo included in the PCN indicate that the car was…
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DCB Legal pursuing through County Court
Hi all, I received a PCN from ParkingEYE after allegedly parking in a hotel car park in May 2022. At the time, I sent a rebuttal letter to Parking Eye. 3 years on and a barrage of letters from ParkingEYE and DCB Legal later, they have now issued a claim against me through the county court. Most recent timeline: 14.02.25:…
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Electric blanket pre set timer?
I have an electric blanket (double with dual controls) that I set to come on at 9pm every night and go off at 11. I want to replace it with a similar one that has that same function but I can't see it offered in any of the adverts. They all have Timers but as the say 1hr/3 hr/5 hrs etc I presume that after they are tuned…
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Samsung Smart TV 48"-John Lewis
Hi, My father bought a new TV from John Lewis yesterday. I have an old Panasonic box which I was able to record programmes with and then watch them later and skip through the adverts etc. Is there a way I can connect this to my new TV, and still use this facility. As all the apps on the new TV, mean you cant avoid sitting…
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VS6 Miami - LHR Thursday 27th November - Flight Cancelled - thoughts please
Flight was due to leave at 17:10. Thunder and lightening and rain in Miami area from 2pm for an hour is so. Incoming flight VS5 was scheduled to land at 14:50 however it was diverted to Orlando to land due to the weather. Crew then ran out of hours so unable to bring plane back to Miami, therefore Virgin cancelled the…
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Chase £10 Amazon for 5 Debit Card Transactions
Email for eligible customers for a £10 Amazon Gift Card for making 5 debit card purchases by 11th December 2025. https://www.chase.co.uk/gb/en/legal/chase-10-amazon-gift-card-offer/
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Self Assessment: Baffled by State Pension figures
I am attempting to complete my Self Assessment for 2024/25.The State Pension figure on the online form is already filled in by the system. The figure given is £13031.I may be being stupid here but I cannot understand where that number comes from.The HMRC website only gives weekly figures for the state pension.…
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Old Style Daily Monday 01 December 2025
Good morning all. Pinch, punch, first of the month. Already!
