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Where to put £150,000 for 6-8 weeks
I'm expecting a lump sum death benefit pension payment and I'm going to use it to pay off my mortgage. Any thoughts on what to do with the money between receiving it in my bank account and the date I can pay off my mortgage?
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Rising SIPPS and DIY learnings
Years ago I came on here, not knowing much and have read and understood some during that time. At the point in time with what was a pretty small amount of money the general consensus was Global Trackers fire & forget. The value of my investments, built on that mantra and with continued investing have grown significantly as…
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Superdry online returns period dispute
Good afternoon, On 14 January I ordered a coat from Superdry online, which arrived (after delivery delays) on the 22 January. On 29 January I went onto their returns portal to return the item, where usually you choose whether to return to shop or pay £2.50 for an EVRI or other courier return. However, the portal would not…
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Modern Storage Heaters versus Standard Electric Radiators
I'm new here and was hoping for some advice. I have old storage heaters in my 2 bed flat, no gas connection. I have just had a new Smart Meter installed by Octopus and on std tarrif, waiting for them to revert me to Econo10 which is what I had before. One of my storage heaters has packed up, I have two in the living room,…
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Universal credit claim review phone call. What to expect?
I have a universal credit claim review call this coming friday. What should i expect?
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Which draw down pension
hi, I`m self employed and 4 years away from state pension age, 67, and would like to take my Reassure pension pot and open a draw down pension, which some firms are calling Sipps. I`ve spoken to a couple of financial advisers, but it seems like their fees can vary quite a lot, one even asking for 4.5% of my pot, which I…
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SIPP vs ISA balance
Hi, [First world problem post alert….] For a top rate taxpayer at what point do people think its worth focusing on ISAs at the expense of the SIPP. Generally I think SIPP is no brainer when saving tax of 47% so I have focused all my efforts there. Today I have a SIPP of 970k [contributing 3k / month] and ISA of 30k…
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Repay mortgage now or wait until sell
Following a bereavement I’m now in the position to pay off my mortgage. I would like to do it now but wish to put the house on the market in a month or two. Should I payoff now or wait until it sells? To add I may have to rent a place next.
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Incoherent responses from Hargreaves lansdown re monthly investing
as a family of 6 we have a number of accounts with HL me a Lisa My partner a Lisa and sipp My 19 yr old son a Lisa a sipp a s&s isa and a cash isa 17 yr old , 8 year old and 7 year old each have sipps we were using hl for all this as they were one of the few to offer S&S Lisa’s at the time and we bundled the kids and other…
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HMRC interest paid query
I like to think I keep very good records of interest that I'm paid, and I've received a notification from HMRC that they think I received about £300 more in interest in 2024/25 than my own records show, and they've updated my tax code accordingly. It's possible that I may be wrong, but I'd like to know, before I spend an…
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Move from OVO?
Little worried about OVO being able to keep going. I don't have a meter and always send a reading twice a month and when I do miss never had an issue with estimating their end. My AI search says Sainsbury (E.ON) is a good one to switch to but will I be forced to have a meter? We are elderly couple with low energy needs for…
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Lebara - Monthly contact - Voucher help.
Fedup with EE who are are refusing to discount my £12 contract . Looking at Lebara but a bit confused by the monthly rolling contract and the discount / gift cards See "Get a£25 Gift Card When you purchase a 35GB SIM Only plan for £6.90 / month. With the first 3 months £2.05 / month" You'll be emailed a £25 Amazon, M&S,…
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Sim Card for traveling to Tunisia
I will be heading to Tunisia at the end of the month for a week all inclusive. I understand that a international roaming isn't available over there. Anyone able to point me towards a good SIM deal for the week My phone can accept eSim but not my wife's phone.. Although I understand physical SIM cards generally get a better…
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Trading212 dd not honour the £30
Hi everyone, Just wondering if anyone else has had issues with receiving the £30 - after signing up through Martin's promo offer link, trading212.com/join/MSE30. I contacted their support who said that there was no record of the promo code, and that it had exceeding the period since signing up and refused it. All the best
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EV Discussion thread
As some of you will be aware Martyn1981 has clarified the purpose of the BEV news thread he started - “the intention for this thread was to enjoy the transport revolution and share BEV news. That might even be described as a 'cheerleading thread' I suppose, and I'm not sure why that would be wrong on a Green & Ethical…
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Help with figuring out whether I should appeal with POPLA or not
Hi, I got issued with a parking charge notice from Euro Car Parks on 6th Jan for an event that happened on 31st December. I was in the car park in question for a total of 14 minutes. I entered the car park and as I went up the narrow ramp to the parking bays, I scraped my car against the wall resulting in some damage. Once…
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New "Have a Look at This" thread
The other one has disappeared and any posts I have made are not listed in either my posts or thanks. This thread is for things like: . Spotting pets in properties . Anything awful - decor, extensions etc . Quirky properties . Timewarp properties . Properties in serious repair and anything which is different and of interest…
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Inheritance implications of parents living with me
Hello Forumites, I may have found the answer elsewhere, but appreciate the knowledge and experience of you lovely people! My elderly parents own a house worth around £500k which they have lived in since year dot. They are still in good health, but my family are moving away to a house that has a self-contained flat. We are…
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OVO – 3 years of billing errors, 2 Ombudsman rulings ignored, now contradictory repayment demands
Hi all, I’m looking for help because I’ve been stuck in a multi‑year dispute with OVO Energy that still isn’t resolved, even after two Ombudsman rulings in my favour (June 2024 and May 2025). OVO continue to bill me incorrectly, add new charges, and contradict their own written agreements. Summary of the situation OVO…
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Airtime Rewards – get money off your phone bill via minimal effort cashback app
Have you tried Airtime Rewards, the cashback app that links to your payment card? MSE first wrote about it back in 2019 when it was relatively new. With phone bills rising for many, MSE Laura B has revisited the topic. You can read the guide here: Airtime Rewards: Get money off your phone bill via minimal effort cashback…
