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Bankruptcy order - 27th October
Never expected to be back here again after so many years! I went bankrupt in 2008 after losing my house during a difficult period in my life when me and my partner split up. Anyways..... here i am again for a different reason 7 years ago i set up a company and it went from strength to strength until Covid happened, demand…
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36% IHT rate
Please could
someone check if these calculations are correct about reducing IHT to 36% when leaving
10% of a net estate to charity. 1) No gift
to charity Gross
estate £1,200,000 Less NRB
and RNRB (£500,000) Net taxable
estate £700,000 IHT at 40%
£280,000 Amount to
legatees £920,000 2) 10% gift
to charity Gross
estate…
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Smart parking
I recieved a fine from smart parking back in 2022 I cant remember why but people told me just to ignore it as they cant enforce it ,fast forward to now I have recieved 2 letters saying it has now increased to £170 once again people have told me yeah I got those just ignore it ,now I have recieved a letter a claim form from…
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Affinity photo editor now free
Anyone looking for a free photo editor plus other things (From the web site..."Affinity comes with built-in Vector, Pixel, and Layout studios", Affinity's latest version is now free for Windows and Mac.…
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Notice of disconnection and debt collection from O2 but I don't have an account with them
I've had a letter from O2 stating notice of disconnection and unpaid bill of £32. It has my name and address and an account number but no mention of mobile number. I don't have an account with O2. My first thought was that it was a scam, so I didn't use the numbers quoted on the letter. Trying to get through to someone on…
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Octopus intelligence go tariff issues
Hi Ive been on this tariff for 3 months now and everything was going well. My hypervolt charger was connected to octopus and I was getting plenty of off peak rate and using around 850-1000kwh electricity in total a month as I do fair bit of driving. Don't have solar panels, battery unit or heat pumps. Then as of yesterday…
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ACI and Verify chasing historic debt
The debt is from about 20 years ago - if not more and it does not appear on credit report. As I have moved around a fair bit, how can I tell if there aren't any CCJs related to the original debt. I have been on the electoral roll for at least 7 years and I have not made a payment or acknowledged the debt for well over 15…
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Fall too Pieces
Hi Guys i am starting a new journal i am in the process of closing my former journal/account down. I will post on my former debt free diary so people know who i am soon. I recently went through a separation so things are not great at the moment. Alot of the guys will know me as the survey guru lol I will post again soon
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Civil enforcement error
I am sick to the back teeth now of constantly defending these trumped up charges... Why do the dvla release my details In the first place to these cowboys.. See the letter I received today, pulled over for the grand total of 12 minutes 12 seconds... to use my phone on the way home.. And apparently I've exceeded the 90 min…
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Furniture in Fashion
Hi, I'm venting after an extremely frustrating experience with above company. Wondering if it is just me and also hoping to warn others. Found a lamp table which matched some existing pieces, described on Furniture in Fashion's website as Dark Elm finish. This is a rich brown colour, looking identical to what I have, in…
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What app is best for movies
As the title suggests, just want to subscribe to something that allows us to watch decent movies (not Sky) Any thoughts Paul
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CP plus Parking Charge
I've received a parking charge letter via post from CP plus for £100 for not paying for parking in St. Peters Retail Park in Mansfield. The letter states I stayed for 1hr and 3mins and exceeded the free 45 mins. I've read the newbie forum and was going to use the template but wanted to ask if it was appropriate as the…
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ii accounts
May I ask whether ii offers separate accounts eg one account for S&S ISA and a separate account for S&S ? I asked as ii tells me that they are all under one account. So if i transfer in a cash ISA to buy S&S ISA it will be in the same account, and I will need to keep track of it myself. Does that sound right? It does not…
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Hospital car park penalty -DCBL chasing
Hi all, In January, I had driven my 14 year old son to a GP appointment and was told to take him straight to the hospital as an emergency as GP thought it was appendicitis. There were no spaces when we got there (I have a disabled badge and no disabled spaces either), so we drove around for 5-10 minutes waiting but no cars…
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Defaults
Hi all, you’ve been very helpful so far, thanks as always for all advice. We are now 7 months in to this. We have been slowly building an emergency fund, as well as sinking funds. Various default notices have come in. I’m just wanting to check if we are still doing the right thing… Husband’s Barclaycard has defaulted, debt…
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How long should a draw down payment take?
I've decided to crystallise all my remaining uncrystallised funds in my pension and take the tax free cash (about £120K). How long should I expect the process to take from notifying my pension provider to the cash being deposited in my bank account. This isn't my first crystallisation so all the essential details should be…
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Wrong Location on Facebook Marketplace
For some reason my Facebook marketplace location has changed to San Francisco. I have tried changed the location to my UK address through the marketplace settings and it keeps reverting back to San Francisco. I use a windows desktop. Any ideas please?
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Stagecoach bus are unaccountable
I have exhausted all efforts to escalate a complaint against Stagecoach, but it seems they are unaccountable. The last straw was when I had to comfort a young lady who was in danger of losing her job because of her method of getting to work, Stagecoach was constantly late or didn't bother to show up. I have spoken to may…
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Bus tips & tricks
I'd love to hear some of your tips and tricks for bus travel. Here are a few of mine (bearing in mind that I'm a Londoner): * A kid told me that he always looks out for the brand new buses by checking their reg plate, because the new ones in his area of South London are equipped with charging ports. He'll wait until a new…
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U/C and pension savings
My daughter was given a huge rebate from DWP, back paid 9 yrs. She has lost her Housing benefit and U / C. because of this rebate. She has epilepsy / mental health issues and cannot get a job. She is in her mid 30's. My question is, can we put the money into a pension plan for her and declare it, or will it be held against…
