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Lost (Scotland)
I'm just lost just now. To give some background, I had a disagreement with my ex wife regarding child maintenance payments as I had both my daughters staying with me 4 and sometimes 5 overnights per week but paying £400/month. Long story short, she lied to CMS saying I only had them 2 nights per week, I refused to pay it…
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Licence for alterations
I’m currently in the process of a buying a flat that has had the boiler repositioned, two partition walls and the chimney breast removed. All of the works were signed off by building control however the seller did not obtain a license for alterations prior to making the changes. The seller applied for the license in…
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Advantages of taking civil service pension before NPA?
Sorry if this is a dithering question but I often read that actuarial reduction for taking Classic before 60, and Alpha before 67 (SPA), is a big hit (4-5% reduction per year before NPA). Therefore many people defer taking them until NPA, using ISAs etc to bridge the gap. Coming up to 56 and am considering the reduction…
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Need to make laptop screen video?
Hi, Do you know of any good free software that i can use to make a "youtube" video of me demonstrating how to make a PCB in Altium? I also need it to have audio aswell so i can say eg "i am also pressing CTRL key when i do this"...etc etc. Preferably it would be a screen recorder which i can stop and start so that i can…
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DCB Legal - Letter of claim
Hey all, I am a newbie and this is what I have done so far: I have responded to the letter of claim, using the template from the newbie thread. I just want to check if I did it correctly: I sent my response via email to the email at the top right of this letter. The reference I used was the one below the date on the first…
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Smart Parking Court Letter
Hi I have done the AOS. Can someone help me draft a response letter? I paid for parking but instead of **** *** the machine printed off ** *** missing off the first two letter. I appealed with smart parking, but to no avail, also tried a POPLA appeal. Where do I send my response letter to? Any help appreciated. Thanks…
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Another out of the blue CCJ from DCBL.
Just received an out of the blue CCJ letter from DCBL without any prior contact or letters. Checked credit file and indeed there is now a CCJ... Read through the newbies thread, and hopefully have started this the right way... Contacted CNBC yesterday at 8:30am on the dot and managed to get straight through. I was told it…
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British Gas
Can anyone help me please, I got an electric vehicle last March and I called British Gas in July and explained that I had a charger installed from Pod and just needed an EV tariff. I was on a fixed 3 year deal but the lady I spoke to advised me that the EV tariff would be more suitable. I was advised that my meters would…
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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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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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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…
