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Newbie to ISA, maturity question
My dad has an ISA with Lloyds which is about to mature (2nd April i think). I know it will transfer into a basic isa after the maturity date. I'm hoping to transfer it all into another fixed rate ISA. If I let it roll into the new lower rate Lloyds account can I transfer out of any time? Also if I find a new after 6th…
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Should I resign- can I give less notice period to the contact notice?
I changed my job about 6 months ago to give me a better work/life balance working only 24 hours a week. However it is rare that I do just these hours. I haven’t really complained but I work virtually every weekend and a lot of lates which means I don’t see my family much. This year is a special year for the family with…
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Overpay now or later?
I can now access my 25% tax free sum from my pension. I started the mortgage late so we have 10yrs to go £300k to pay off still Which is the smartest of these two moves: take my 25% now - value £30k and use it to overpay the mortgage now Wait circa 5yrs, when the 25% tax free sum will be bigger (circa £50k) and use it to…
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"Complete savings"...scam??
I recently went online to book some airport parking. Somehow, during the process I managed to "sign up" to Completesavings??? Not sure how this happened, as at no time was I advised of an ongoing monthly fee. Luckily I got a message from my bank telling me I had signed up for this. I managed to log in to my "account" and…
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VAT on road side charging - possibly dropping to 5% from 20%
Recent ruling in the tax First Tier Tribunal allows for VAT to be charged at 5%, the domestic rate, and not 20%. https://www.accountingweb.co.uk/tax/hmrc-policy/va... No doubt HMRC will want to appeal the ruling.
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New Octopus tariff for solar and battery users - Octopus Flux
Just seen Octopus have released this new tariff.https://octopus.energy/smart/flux/
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Transferring isas
I opened a trade212 stocks/shares last year fully funded £20k, in the new financial year i would l intend to add another £20k after april 6. But from a couple of years ago i have a fully funded cash isa with oaknorth, can i transfer this into the Trade212 stocks/shares isa?
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Giving out personal details on the telephone
The Financial Services Authority tell you not to give out personal information (like your Date of Birth) over the phone. Yet my local hospital phones me up (with an unknown number) and asks my Date of Birth before they will tell me what they want. I do understand that medical professionals can't divulge sensitive medical…
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How to find a structural engineer
You'd think this would be easy but no. I went to the Institution of Structural Engineers (IStructE) and used their "find an engineer" function. There is apparently no engineer firms within 100 miles of my postcode (Dorset). I called them because I didn't think this could be right and the person on the phone says it is.…
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Biting back with a vengeance
I've won several PCN appeal lately, mostly ia POPLA and am now taking on another. I can easily appeal this one based on other things such as the issuer already has details of my blue badge, as confirmed by a previous successfully appealed case. However I'm going at this one from a novel standpoint where I am going to use…
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subscriptions for small non profit clubs
Can someone help me with subscriptions? We have a club of about 40-50 people. I am wondering whether we should waive our £5 annual membership fee and just increase the entry by £1 per month? Can someone advise on the best way forward?
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Phone Scam/cant be bothered?
I bought a phone a gorgeous motorola flip. Anyway the hinge went after 6 months so of course the screen went to. Contacted Motorola asked about repair. They said it was not due to the hinge it must have been dropped so i had to either pay £255 to get it repaired, dispose of it or they would send it back for £30. Possible…
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Park watch / Debt Recovery Plus / bw legal
Hi, first time user after advice. Followed 'ignore' advice (although missed Letter of Claim opportunity) on here and the registered keeper submitted Acknowledgement of Service on MCOL today. Putting together the defence utilising the template available. Are the following points relevant in any way? When the initial NTK…
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IFA vs DIY
I'd be interested to learn what are folks' views on DIY pension management vs. handing over to an IFA or similar? My immediate concerns would be handing over my life savings to a relative unknown and them scarpering off with the money, their ability to manage the risk, pick funds/bonds etc, fees, etc. On the other hand, it…
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Body work repairs
Hi I recently cleaned my car and I was shocked at so many scratches and rust. The two main ones were caused by other drivers on two occasions. Car is 14 years old. Does anyone know roughly what a body shop/garage would charge to repair these? I’ve done home/DIY body repairs previously but I no longer have the open space…
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DCBL claim / Smart Parking Court claim 2025 advice
Afternoon all, I’m hoping someone can help please. I received a claim for DCBL Ltd, then DCBL Legal which I responded to by letter using the helpful template on here within the time period required. I have today received in the same post run a reply from DCBL Ltd (not Legal) saying they have referred my case for legal…
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Park Direct UK Ltd PCN, ANPR, NTK sent 135+ days after event at Retail Park, IPC/IAS firm!
Hi All Here are the particulars of this PCN that I just received (16th Jan 26) in the post! PCN Number: XXXXXX Vehicle Registration: XXXXXX Location: Farnham Rd Retail Park SL1 4XB Notice service Date: 09.01.26Event Date: 27.08.25Issued by: Park Direct UK Ltd, PO Box 4777, Iver, SL1 0BX [ 0203 866 5774] I received no…
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How much should a ‘simple’ divorce really cost?
Hi all, I got divorced last year and the house has finally sold recently. I’m currently renting with my new partner, getting towards retirement age and need to buy something with my share of the equity ideally. My issue is that my matrimonial solicitors have charged me £11K for their services when their initial estimate…
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Flying to South America in October - buy now or later?
I am flying to South America in October and the flights have recently increased in price. (I didn't buy because I had to wait for something). However I think it might come down again - what do people think?
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SKY TV Underhand tactics
Hi I'll try to cut this short. I called sky to cancel TNT sports which I'd switched on to watch the Australian open and my upgrade to Netflix no adds as we wanted to load up devices for travelling. I was offered 24 months free sky sports. I don't actually watch much sports except tennis so I said what have I got to lose?…
