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GMP Equalisation settlement
FYI for anyone interested...... Mrs Tempest started to draw her small company pension at age 60 - virtually all was GMP Had a letter today to say the equalisation exercise has been completed and her monthly pension will increase by about 20% plus a lump sum back payment.
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Claim Form - DCB Legal - Smart Parking Ltd
Hi, and thanks in advance for any help. i have received a claim form for DCB legal/Smart Parking Limited. I have submitted an AOS today (4/11/25) as advised in the Newbie section. I am now unsure of what to do? I thought it would be as simple as replying with a short defence of facts but it seems not, and I’m struggling…
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Halifax Scrapping £5/Cinema ticket Rewards.
i think its worth it's own thread, some info added on to the end of the "slow rewards update" thread... originally posted by pokemaster and thanks to WillPS for: https://becleverwithyourcash.com/halifax-to-scrap-5-reward/
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Moved: credit hire car from insurance company
This discussion has been moved.
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UBL Customer Service/ Issue with passcode
Hi, I have issues with the passcode on the app of UBL. I have forgotten it and have been unable to reset it. I can still access the app through my FaceID even though I consistently get the password incorrect. UBL seemed unable to fix it and the only advice I was given (June 2025) was to get a new phone. I have now…
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2025 - 52 Week Envelope Saving Challenge
Save £1378 in 2025! Welcome to the '2025' 52 week envelope savings challenge! This challenge ran the last couple of years and I have been asked to set it up again for 2025. It can really boost your savings pots and help with paying for Christmas, or a family holiday...anything you like really! It can be done wither with…
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CASS switch to Barclays (via app) - possible to choose switch date?
If I'm switching to Barclays using their app to make the application (so as to take advantage of the switching bonus), is it possible to choose the switch date? Looking at the switching information on Barclay's website, specifically the FAQs on page 8 of the more detailed PDF switching information pack, it says this: * 1.…
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+++ Divide By Cucumber Error. Please Reinstall Universe And Reboot +++
My third diary. <<<out of cheese error>> documented our debt free journey and then paying off the mortgage +++ Whoops! Here comes the cheese! +++ focussed on early retirement plans, and then my first year as a widow. This time I will be focussing on a positive new start in my brave new world. Final stages of renovating a…
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DRO credit file clean up after discharge.
Hello, My DRO ended in July and all my creditors have marked my credit file as settled and the balance is showing as zero apart from one. PayPal credit are refusing to mark the file as settled and change the balance to zero. They’re reporting the balance each month to my credit files. PayPal was included in my DRO but it’s…
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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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John Lewis refusing to accept guarantee responsibility
I bought some beats wireless headphones from John Lewis on 13 September 2025, costing £199. The volume disc fell off on 30 October 2025. I contacted John Lewis customer service line on 30 October to explain, hoping to either get a refund or replacement. I was told that because it was past the 30 day window for returns, I…
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Employer has not paid my PAYE deductions to HMRC
My deductions have been removed from my wages every month since January 2014 but on the Government Gateway I have not been employed and they have not received my Tax or NI. Obviously my employer refuses to acknowledge as he is the one not paying them and keeping the money. I am missing all these years now towards my…
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Central Heating Boiler or System
Central Heating sometimes works sometimes doesn't, currently
it won’t fire up. When it does work the radiators don’t get up to normal temperature. I spoke to the boiler manufacturers, Vaillant, and had a guy
out who told me it was a system problem and probably a blockage and the wiring
to the boiler had not been installed…
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Making my house a home and my life my own
I am long overdue a new diary as I have just read the first line of my last one. I was married, in my previous house with a much larger mortgage. I hadn’t realised that this was still the same one. I will add all the financial bits and my plans over the coming days, but the title says it all really.
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Hodge Banking
This week Martin suggested Hodge Banking Easy Access saving account offering 4.21%. So I went to their web page which confirmed this and registered an account. However, the account, when registered showed 4.13%. I have emailed them requesting an explanation. Has anyone else had a similar experience?
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CNBC Claim Form from DCB Legal LTD - Help needed
Hi all, I've received a Claim form for a parking charge from December 2021 for an overstay of free time on a B&M car park, I knew nothing about this fine until now, and would assume the fine was sent to a previous address. How do i go about completing these forms and not paying the amount claimed with court fees of total…
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Banks causing delay in overpaid tax?
Hi all I am due overpaid tax for 2024/2025 due to being unemployed (and not receiving benefits) for a few months before starting a new job- the overpayment was not paid back through my PAYE wages because I started the new job in March and my tax code was not a cumulative one. I’m aware the website advises overpaid tax is…
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25% tax free lump sum from pensions
I took the maximum amount from a final salary pension ~ 16 years ago; I also have a SIPP and have recently converted part of this into a drawdown account and taken 25% of that tax free. Read this weekend that you can only take 25% TFLS from two schemes - does that mean that I can't take any tax free cash from my remaining…
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Should I receive P45 now even if an ex gratia payment still owing?
Hello, I was made redundant last month. I negotiated a slightly bigger settlement agreement than standard redundancy. We agreed the ex gratia bit of the settlement would be paid in 2 parts, one the end of October (along with my notice period pay and standard redundancy pay), in my final payslip, and the second ex gratia…
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Blyss Kita DDK1500WT152DA manual required,
This towel warmer is fitted to a flat I've just moved into and the 'Filt' message keeps coming on. Filter is clean, no manual with it. Any ideas or a manual? Thank you.
