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Additional entrance to property
Hi members, I have added two photos here. First one shows the existing entrance to the property, highlighted in green. I have highlighted a section in red, where I would like to add an ADDITIONAL entrance to the house. The second photo will show the proposed new entrance from a better angle. This used to be the garage,…
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How to receive payment as self-employed Tutor?
After being made redundant from a small school that is closing, I am starting up as an individual tutor. I was anxious about giving out my main current account details to clients for payment, so rang Nationwide to ask about setting up a second current account only to be told that they don't allow business through current…
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DVLA SAR Template - Trying to locate one that requests all relevant data
Been searching the forum for a template that lists out all the relevant information that should be requested in the SAR Form, but not been able to pin down anything I thought was succinct to use. ( I understand that it may be tucked away somewhere and I've not found it or "all data" is ok to use but I'm just not sure) I…
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SIP Parking PCN for a misleading parking ticket sign
Temporarily removing this post until a later date when this is settled.
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Capital Gains Tax Allowance and stocks
The tax free allowance for capital gains is £3,000 a year. If I buy stocks for £10k and they have gone up to £15k and I then I sell for £3k to take them out. Have I then used my capital gains tax allowance? Is it a smart thing to do to get £3k a year?
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I've maxed out sole switches, can I now repeat using joint accounts?
I seem to have run out of options doing sole bank account switches, but I have a joint account with my wife. Does anyone know if that joint account would be eligible for switch incentives? *My wife has never bank tarted, she 'can't be bothered', don't know if that would make a difference.
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Remove burnt on food from oven floor
I used too small a container for cooking chicken breasts in suace this morning as usual larger casserole dish not available. The result is burnt on food. I've scrapped and wiped the worst off but what will be the best way to remove it all please. Suggestions appreciated please.
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Buy Now Pay Later -VERY CATOLOGUE
Hi there,i bought a laptop over a year ago on BNPL scheme with VERY HOME SHOPPING ,without any warning or communication as to my period ending, i was slapped with nearly £900 interest on top of my balance!!! most credit cards give you a months warning as to when your offer is expiring,i feel that a sneaky move to make more…
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Any experience with Chetwood bank? or Monument
Hi all, I'm just wondering if anyone has any experience with Chetwood bank or Monument and whether or not you would recommend them? I cant seem to find much about them online at all. I need to split some money between a couple of savings accounts. The others I have been considering are Vanquis, Oxbury, OakNorth and Atom.…
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AML Check Fee
Hi, Our estate agents have just sent my wife and I a link each for some software called https://iamproperty.com/product-updates/unlock-additional-revenue-with-compliance/ It required us to fill out our details and then upload a passport picture. My wife completed this and then paid £36 which I was confused about as I have…
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Clearing the card balance
Martin Lewis is always repeating the mantra "PAY IT IN FULL" to avoid credit card interest. So what does "pay it in full" actually mean? Here's my scenario: In Nov I had a zero balance and spent £200 halfway through the month, so at the end of Nov I have £200 to pay. From what I understand, I have fifty-something days…
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Economy 7 timing problem (EDF)
I have a 2024 Kaifa 'smart' meter. Up until recently the timing of the storage heater switching (ALCS) was well synchronised with the Economy 7 tariff period. However since a new E7 tariff on 14 Jan, the tariff change to night rate has been delayed by 30min. This of course means that for the first 30min the heavy storage…
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Behaviour of #latest
Clicking on a thread title should result in #latest i.e. opening on the last read or first new unread post, whether implemented by time of last visit or post last viewed, - but this seems inconsistent with the browser often opening on a post a few posts previous.
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Partner not contributing to house expenses. Is it fair?
I've been with my partner for about 25 years and we have a grown up child between us who lives away. He moved into my house after our child was born and since then we've moved house twice. Before I fell pregnant I owned my own house and had a lodger to help with the mortgage. He owned his own flat that was mortgaged. After…
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How long can a company retain your credit Card details?
Earlier this week I found a charge on my credit card for a service (IT VPN) I stopped using back in October 2022. I have not had any correspondence with the company since I stopped using them back in 2022. My credit card I was using back in 2022 had expired and been renewed, same credit company, same account number. My…
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Chetwood Bank reliability
I am ready to invest a 5 figure sum in fixed savings account with Chetwood but seen in a dreview that they do not issue Tax Statements of interest which is unusual. Any one have an opinion as to why this should be so?
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Freetrade customer service response time?
So I opened a Freetrade account last week with the intention of moving my s&s ISA and SIPP over from ii, to receive the 1% cashback. Before committing, I wanted to ask them a few questions, so I emailed them last Thursday, and then messaged them on the chat on Monday. Yet to receive a response from either. Are they…
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How to fund the cost of enforcing a restrictive covenant to prevent an HMO
Hello everyone. First time poster here. I am trying to figure my way through this legal process and it isn’t easy, I see there have been some threads here about restrictive covenants before and so I thought it was worth a shot asking you all if anyone has any knowledge of this. The facts: a developer is trying to turn the…
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Milann’s mutterings through retirement
I thought it was about time for a new diary. Ive been a member of MSE many years now and got my debt down from £20,000’s to a big fat ZERO. I kept the debts to myself as I was the one who built them up. Dh would have been ok and we’d have worked through them together…..but it was my mess that I wanted to clear myself and…
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Paying defaults
Hi, just looking for some further advise please. I've had a couple of debts eventually default and had letters and calls from the companies who've bought the debt. I haven't spoke to them but I've made payment to each for the last 2 months on websites. Should I contact them to set up a payment or is it acceptable to keep…
