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Inheritance tax
My wife as just died, and her will states that I inherit 50% of the property and her two sons inherit 25% each. They are my step sons. The property is valued at £300000. There is also about £100000 in savings, which is split as follows £45000 to me and £27500 each to the two sons. The two boys want to give me everything so…
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Electronic share platform charges
Hi I have shares held electronically at HL, my shares were purchased over 20 yrs ago, I don't do share trading, The service was free but now they've introduced monthly charges. I asked HL to revert to paper certificate so I stop using their services but they said they don't issue paper certificates. I don't want to pay…
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Card-linked cashback offer aggregator?
Is there a website or app which allows users to see which credit cards offer card-linked cashback for specific companies at any given time? (I'm not actually sure if the offers I see are the same for all credit card holders or if they are customer dependent). I have multiple credit cards and it's tedious to check them all…
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Issue with energy company charges
We live in a big older property E-on the gas and electricity provider has admitted that there has been a fault with the meter They have said that it is now fixed It is too old and cannot have a smart meter fitted E-on is trying to say that the amount owed is around £5,000 due to the faulty meter This amount stems back over…
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Parcel Compare Compensation Denied
I bought a pillow from Pillow Home, it has a USA address on the website. I have bought from the USA before and this product apparently had good reviews from Forbes (so the website claimed). I have discovered since my purchase that most of what is on the website was misleading and that product was cheaply made. I decided to…
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ISBNs - to buy or not to buy when self-publsihing?
Hi all. I'm looking to self-publish my first novel using KDP and I understand that you can use their free version of an ISBN but that will only allow you to sell on Amazon or you can buy your own ISBNs which means that you can sell anywhere but they're expensive to buy. I'm hoping that someone can help me understand which…
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Flexible Octopus Tariff, Price Capped?
MSE's Energy Comparison chart is suggesting that the Flexible Octopus Tariff is Price Capped. Yet, on the Octopus website it states the following: Flexible Octopus prices fluctuate with the cost of supply and usually update every 3 months Octopus are only offering two tariffs; Flexible Octopus and Octopus 12M Fixed So…
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Human grave in garden of house.
Listening to local radio and elderly gentleman on who's wife has recently died and is having her buried in their house's garden (he's having built some kind of mausoleum for them both) as they want to be with their pets also buried in the garden (they were/are animal rights activists he said) No family, so has willed the…
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Guide: Getting a mortgage when you're older or in retirement
Hi all, This is the discussion thread for the Getting a mortgage in later life or retirement guide. If you haven't already, join the forum to reply.
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Social Housng service charge increase
I have just recieved my new rent and estimated service charges. The rent increase seems proportional. The service charge is absurd. It has gone from £34.19 per calander month to £161.67!!! The biggest charge comes under Managing agent costs of £18.51 a week. I live in a small 1 bed flat with no garden. The idea of a £161…
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MBNA Switch from Mastercard to Visa
I have an email from Lloyds telling me my MBNA card will be switched from Mastercard to Visa in the coming months. One of my reasons for having the MBNA card was the fact it is Mastercard, where all my other cards are visa. Having all eggs in one basket can be a risk, even if small. Also this used to be an affinity card,…
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IS THE FIRM PURE CREMATION TRUSTWORTHY?
You may have seen this firm's irritating ads on TV. I don't watch much TV, but when I do I have to put up with their repeated ads. A friend of mine used to work for Pure Cremation, but found the firm care more about business targets and sales as opposed to good customer service. Another friend of mine recently got a quote…
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Are the banks ripping us off on ISA transfers
I have noticed this many times when transferring ISA's between providers. Latest is when transferring from Cynergy bank to Saffron BS. The money left my account Friday 22nd arrived at Saffron Tuesday the 26th so 3 days where it is not in my account and were I receive no interest. Has this happened to anybody else? Is it…
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Vr tax
IIve Just taken out vr and received a payment of £37841.76 Tax paid £2212.73 on this payment i dont pay nsi my other income is £965 state pension and my works pension £635 both a net payments on my vr payment is the tax correct as does seem a lot of money I tried to call tax office but after 45 mins I gave up any help much…
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julicorn's journey 3 - The House on the Hill
Hi all! Long time, no see, at least when it comes to the diaries (I still run the mortgage free challenges, of course). Where do I start? This is my third diary on here, the first talking about our initial mortgage pay off journey for Mr julicorn and my first flat (bought in 2017). If you have too much time on your hands,…
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Travel insurance - group of young women
So our 17YO ( 18 in September ) is going away for a week with friends in Tenerife in July, some are 18 and some are 17. I can't seem to get her individual insurance because of her age, but would I get group insurance for the lot of them? I've not asked for quotes yet as I don't have all their details yet. If anyone can…
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Extended Security Updates for Windows 10 Question!
Does anyone know if Microsoft have any plans to extend this again for another year? I was considering whether I would need to purchase a new laptop within the next 6 months. Thank you in advance
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Where to buy a refurbished laptop or all in one pc
As the above, can anyone recommend where to buy either a laptop or a mini/all in one pc? I slightly prefer all in one pc due to a bigger screen and keyboard further apart. Possibly ex office equipment? Any ideas where to look?
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Stamp duty confusion
my son has saved for years to buy his first house. His offer on a house has been accepted. A few years ago he married his long time girlfriend who already owned a house. She is the sold owner on the deeds. this new house will be their main home as she has rented out her own house. My son will be the only owner on the new…
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Received a claim form from DCB Legal LTD for a parking ticket?
Hi all, I hope you’re well. I’ve received a letter from HM Courts & Tribunal Service regarding a parking charge. The claimant is Smart Parking, and DCB Legal are acting on their behalf. I contacted DCB Legal to understand the details, and they informed me that the incident dates back to summer 2024. According to their…
