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Vauxhall Puretech 1.2 belt failure - Known design fault - What can I do?
I have a 2019 Vauxhall Combo 1.2 Petrol. It refused to start yesterday, RAC man came and told me the timing belt has failed. Apparently it's a known fault with this particular engine, for which the parent company Stellantis recalled cars with these engines to change the timing belts, updated service recommendations and…
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Interest only mortgage term ending
I am 63 divorced and my interest only mortgage terminates soon . My mortgage is £620000 the property is now worth 1.1 million. I can't afford to pay off the mortgage. Can I use the equity to pay off the mortgage what are the implications
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Tax benefits for SIPP - additional tax rate band
I was trying to calculate the ROI for additional tax rate payers (45%) when they invest in SIPP from their net income. If the person invests 80 GBP, the government puts in 20 GBP in his SIPP account. He can then claim back 25 GBP in tax credits. So what is his total return in that year? Only focus on ROI in that tax year…
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Under counter fridge or freezer
Only got room for one appliance in the kitchen. Should I go for a fridge or freezer? Which is.cheaper to run?
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Capital Gains Tax on a house
My parents signed the house over to me 30 years ago. Whilst they're still alive at the moment I'm considering the implications of Capital Gains Tax. I know that the limit for this year is £3000 but how does this work. Lets assume their house was worth £100000 when they gave it to me 30 years ago and it's now worth £300000…
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UC - do I need to report savings every month?
Just received my first payment for UC. I have over 6k in savings but obviously less than 16k. This includes cash in a savings account, shares and a Lifetime ISA (25% disregarded). I don't think I will have spent all my wages and UC by the time I receive my next UC payment. Do I need to declare anything unspent every month?…
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DCA chasing business debt under personal guarantee
This discussion was created from comments split from: Help with a Capital on Tap guarantee.
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Water usage almost doubled in number of households in my village
A few weeks ago on my local village FB page people were commenting on the fact South Staff Water have said their usage has almost doubled so have to pay more. Now I have joined this having had the latest bill after a meter reading. The only leak I personally had was a toilet issue but I turned the water off it until it was…
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Raisin Bank Blocking Access to Client Accounts
I’ve been a Raisin customer for approx 4yrs now and have held various Easy Access and Fixed term accounts during that period and until now, have been very happy with their products and service. I currently have one account with them. On 20th Nov, I received a call from someone claiming to be from Raisin but they couldn’t…
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Does anyone use Fuel Cards for personal use, not just business?
Anybody else notice ads for fuel discount app/cards in last few months on Facebook/Instagram? Just wondered if anyone has had any experience or used a Diesel fuel card personally or through their work, are they worth it.
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Probate advice
Hi, An elderly friend has recently died, he has no next of kin or relatives, he has a will which names my mum as executor & myself too if my mum was no longer living or unable to deal with his estate. My mum is elderly & in ill health, so she has asked me to deal with the deceased affairs. I know I need my mum to complete…
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Car Scrap Comparison https://www.carscrapcomparison.co.uk/
Was quoted £450 for my car. A day later I was called and told them there was a traction light on dash and a minor oil drip which didn't affect the running as it was on a breather pipe not the engine. I then was offered £350 due to this leak and we agreed to go halfway £400 as it wasn't an engine oil leak. Car was collected…
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Property CGT Tax
Hi, I am looking for a bit of understanding with regards to CGT Tax on a property I am considering selling. I bought the property for £300k (includes buying costs) in 2011 and lived there until 2016 when I got a "let to buy mortgage" where I took some money and bought a new house which i moved into and rented this one…
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Cutting quartz
Part of my bathroom renovation I've got a quartz worktop to cut with a angle grinder, what's the best disc for this or is there a different way to cut it
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Online order not received
Not sure if i should be worried, but I ordered some gloves from The cosy bear company online. Ordered it through their website, paid with Gpay. They've taken payment a week ago. I had one message a week ago to say the order is 'on it's way'. But it's not arrived. I've now seen a couple of comments on their social media…
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My mortgage clobbering post
Putting this here because I'm an enthusiastic mortgage over payer and I have no one in real life to tell! Single parent for 15 years, left in £35,000 of debt by ex husband. (Paid off over 6 years). No maintenance paid in 15 years. Unable to pay capital for many years as I had to use the old endowment policy to pay off my…
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On line selling of Christmas Tree's
This year I decided to purchase a potted christmas tree from a grower, I looked at the web site and the imagery and was happy top proceed. The tree arrived when I was out, it was left out of its box and gthe box was too small, not well sealed and the decorative pot that was discounted to free of charge scratched. I…
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Leaseholder Deed of Variation for extension - do I have to sign?
A leaseholder in my block (we have share of freehold between 4 of us) has recently completed a roof extension/closet wing extension under a licence to alter and the completion license has been granted. The Freeholder’s solicitor is now drafting a Deed of Variation for each of us. This is the text form the licence. "On…
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British Gas overpayments
I left British Gas over a year ago now having joined Octopus. I am sure I inadvertently paid to much by sending another tenants meter reading during my time with British Gas. I was wondering if there is any chance I could get reimbursed the excess money that I paid?
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Need advice on possibly bullying / intimidation
Hello, I could really do with some advice, I got a permanent role further to my last thread (albeit still subject to future redundancy) which I'm beginning to regret accepting, but I don't know if I am being over sensitive as I currently got a cold but there has been some instances which give cause for concern. I'm not a…
