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Buying new home before selling current one
I am currently living in a mortgaged house with about £100k outstanding. The fixed period come to an end in July where it then will move to the SVR of 7% vs. 1.8% that it's currently on. We've put in an offer on a place that we intent to buy outright. We did this to secure the property and avoid being in chain. The…
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How do I value old 25p Lloyds shares to determine if I have a cgt liability
Hi. I have 2 questions. 1. How do I value old 25p ordinary shares in Lloyds now that they have a nominal value of 10p. ie the share price today is £1.09 but presumably I don't just multiple that by the number of shares I have like I have been doing with the 10p ones I hold or do I? I'm trying to determine if I have a gain…
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Woodford compensation and No Win No Fee fees
I joined the class action with Harcus Parker for redress from the Woodford catastrophe which to cut a long story short was not heard in court and instead redress was made via FCA. I received the compensation which was a small fraction of what was lost and was very surprised to receive a bill from Harcus Parker for almost…
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Digital Voice adapter and Vodafone
Does Vodafone provide a wireless digital voice adapter, similar to the BT plug adapter, so that corded phones in different rooms can be connected to the VF router? If not, is the BT adapter compatible with Vodafone routers?
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refund or credit note ??
Hello. Is anyone able to provide me with some guidance please? In March 2019 i bought some furniture in a sale from a small independent trading shop which included a matching side table and coffee table. When delivered, the side table was damaged. This was immediately raised and the retailer notified. The coffee table was…
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Selling a property with a tenant in the property
Recently I have been chatting to my partner about selling my rental property. As expected I have suddenly been bombarded with adverts on Facebook for companies that buy and then sell properties with tenants in situ! I am considering this as an option but looking for opinions and maybe experience of doing so. The tenant I…
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Which type of GAP for lease
I need to sort out gap insurance for an upcoming Van lease. Just not sure which type of gap insurance I need. Can anyboby help?
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Power of Attorney online tool STILL not live – here's how the process is set to change in future
An online tool to apply for Lasting Power of Attorney (LPA) is still not available despite being announced over a year ago – and the Government has confirmed that it doesn't have a launch date. This means a tricky paper form remains the only way to apply for this crucial protection. Power of Attorney online tool STILL not…
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Thames water Meter gone AWOL
Like many others, my bill has been hiked massively So I tried to follow the advice to detect a leak, but fell at the first hurdle. The meter immediately outside my property which I last read a few years ago is empty; there's just some wiring and a screw but no meter. The pavements were resurfaced last year and the meter to…
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Applying for new passport but old passport lost in transit.
On Friday 23rd January, my husband and myself both applied for new UK passports. We both sent our old passports back to the Passport Office by Royal Mail First Class Signed For, with proof of delivery (in separate envelopes with different tracking numbers). My application is going smoothly. They have confirmed that my old…
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MSE News: 'I reclaimed £12,000 in holiday pay' – here's how to check if you're owed too
A semi-retired MoneySaver has reclaimed over £12,000 from her employer after reading our previous story about missing holiday pay. If you're an employee or worker, you're legally entitled to a certain amount of paid time off – even if your job is part-time, temporary or seasonal. We take you through it below… Read the full…
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Do Spusu demand to Return the SIM?
I am planning to move to Spusu for a month and then return to Lebara I asked Google if they charge to exit and got the data below. What jumped out at me was this: SIM Return: If you cancel within the first month, you may be required to return the SIM card, or you might be charged. Has anyone here been asked to return a SIM…
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Stamp duty question when staircasing, Shared Ownership
Hi, Any help would be much appreciated as I do not understand exactly how to work out the stamp duty now that I am attempting to staircase to 100%. 2016 - 50% share of £276,500 (£553K property valuation), paid stamp duty £3,825 + NPV of £921. 2018 - 20% share of £103,000 (£515K property valuation), no SDLT paid as only…
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Lack of family time starting to get to me
When my partner returned to work after our son was born, we agreed she would go back to work part time as our finances and childcare etc allowed this. I work Monday to Friday in a 9-5 job, she went back to work and told her employer her availability was all day Monday, Tuesday, Thursday and she was available at a weekend…
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Mould on Ceilings Won't Go Away
whatever I do, there's mould on the ceilings of the rooms in the upstairs part of my home. It's so annoying, and I can't work out how to shift it. I've even had the roof replaced for £5,000(!), and that hasn't done much to change anything. Any time it comes to decorating, I clean the mould away with the right spray (Cilit…
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Help understanding esim please
Hi My daughter is planning on going backpacking in Thailand, Cambodia and Vietnam for 5 weeks. She has an IPhone 14 on Tesco mobile. I'm trying to help her work out what she an /can't do with her mobile without it coming a fortune. After searching the forum it looks like airalo esim is the way forward but I don't really…
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Money claim for bin services
Hello, I was wondering if anyone can help us out with this, We entered into a verbal agreement with a waste bin management company over the phone but we did not sign the contract. We emailed them to cancel it because we couldn’t wait couple weeks for them to deliver the bins When doing the agreement over the phone the bins…
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TSB 38 months BT
Hello is anyone actually eligible for the TSB 38 month BT?
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Inspection of Rented Homes
Hi, I’ve a friend who’s living in a rented semi with her two young daughters, I had my doubts about the safety of the property when she moved in, some dodgy wiring, and other faults, but she wouldn’t do anything about it as she was scared she’d loose her home, since then she’s had several electrical problems that seem to…
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Update savings income current year
The amount of interest estimated by the revenue is higher than the actual so I have reported the correct figure via my online account. I have now received a letter from HMRC asking me to itemise the calculation with account details. I cannot see where to do this online and the letter doesn't suggest a method. Can anyone…
