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UFPLS and Starter Rate for Savings
Looking for some advice, i apologise if i have this totally wrong, i have recently been made redundant and intend to take money from my private pension for the first time sometime during the next financial year. I intend to take my pension via UFPLS and understand that I could take £16,760 made up of £12,570 (which would…
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Inheritance tax on gifts
If someone gifted four gifts of £200,000 and died within seven years of gifting, how is this taxed? Is it £200,000 x 4 minus the allowance of £325,000, then the remaining tax shared between the four beneficiaries, or something else? tia
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NEXT VOUCHERCODES
Trying to find somewhere to put a vouchercode/discount code when shopping online with Next. Does this actually exist or should I just give up and pay full price please?
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UK PC Claims received
Hi all, I'm hoping someone can advise me on the issues I'm having with UKPC. I have a small business managing properties and one of the flats I manage has an allocated parking space. The management company of the block use UKPC. Rules are you need a permit displayed in the windscreen to park there and you must be in the…
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Nationwide Remortgage Rates Existing Vs New
I notice the rates for new customers are always significantly lower for new business than for existing - is that the norm for all banks? It really annoys me, are they hoping I won't look around and stay because its so convenient (which let's face it I will probably do just that!)
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Advice about retirement income
I'd be grateful to hear people's thoughts on retiring at 62 with £25,000 teachers pension and £13,000 annuity. (Net monthly of about £2,800). I know I might come across as spoilt as that is no doubt more than many people, and I know it all depends on outgoings. But I'd be grateful to hear from people who've actually…
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NIS: "Year is not full" 2024/25 after paying voluntary contributions?
Hi All, (sorry if this isn't the right forum section!) I've just received my tax bill to be paid by Jan 31 2026 which is normal. This promoted me to login to HMRC to check my situation. I'm self-employed and just need one more year of NI to get my full allowance. When completing my tax return I used the 'Pay voluntary…
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Holiday Cancellation and employee concessions
Hello, I used to work for a travel company and prior to leaving I had employee concession amounts of around £500 that I had available to use on holidays which was an employee benefit. Unfortunately the travel company decided to stop virtually all flights from the airport I booked with and they changed the booking to…
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Moorside Legal - Another case
Just starting this thread whilst I do my due diligence, didn't post until now as it followed mostly the same path as everyone else with Moorside. Frivolous letters demanding money, to a letter of claim October last year, I emailed as per the template and got a template email back. Now a claim form from the court near 6…
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Let's speculate on how PPM will work.
They've got years to sort this out, but I suggest It will work on an honesty system of mileage declaration, with hollow threats of jail sentences (Trial without Jury of course as proposed) for "correcting the mileage" (but they really won't care, as the majority won't do it, and anything they raise off people who "correct"…
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Is there any funding remaining for ECO4?
I live in a rural village that has no mains gas. I have oil-fired central heating. My boiler is well over twenty years old and I was anticipating changing it next year as I've had an oil leak. In October a chap came to my door and told me about ECO4. It sounded great and so they sent a surveyor to carry out an EPC survey…
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Lapsang Souchong -- where?
We're big tea drinkers and sometimes it has to be Lapsang Souchong... more for Hubby but occasionally I'll have some. Our reserves are depleted and so I went to our Sainsbury's to get some new. Nope. No LS, not from SB, not from Twinings, not from anybody. SB even don't show it in their online search anymore. Tesco should…
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Surface water drainage charges
Hi everyone! I'd be very grateful for the advice of you experts in relation to my situation. Sorry as I know there are lots of posts already on this but I can't see anything on this particular point. We moved into a new build property last year and the surface water on our estate drains into an attenuation pond which then…
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Debt recovery letter for airport drop off pcn
Hi, someone i know had a pcn from stansted airport drop off. They have ignored all the letters since and now are getting debt recovery letter. My question is should he wait for if they issue any court proceeding or contact the apcoa to let them know because of non pofa they can't transfer liability to keeper? Also what are…
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Let Thrift shopping thrive in 25!
A shiny new thread for the thrift shoppers amongst us - those who haunt car boots, FB marketplace, Vinted, Ebay, jumble sales & charity shops to score bargains galore!
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Clear Score reporting new unsecured loan has been added
Hi All - I have a question around the ClearScore. Last night I received a message from CS that a new unsecured loan has been added onto my account. I only have one loan - with Sainsbury's, now they have migrated to NatWest, and my loan account with them. There is an info in my CS report saying my Sainsbury account will be…
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TfL Delays Refunds and/or Compensation
Does TfL ever offer compensation, rather than just a refund, for delays leading to loss?
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PCN for not displaying my blue badge in a private car park.
I am being chased for a parking fine given to me a while ago from UKCPS LTD , I tried to tell them I had a blue badge but on this occasion I had forgotten to display and told them I suffered with brain fog and had just changed some medication and also had a lot of pain that day so I wasn’t at my best but needed to go to…
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Private parking charge notice
I've just received 3 Parking Charge Notices from a local private car park that I regularly use. The car park has recently had ANPR cameras installed and new signage stating the terms of use. I didn't notice these changes and continued to use the car park as usual. As soon as I received the first PCN I stopped parking…
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Lease car (new): production date vs registration date
This is my first lease: I got the car in April 25, 12 miles on the clock. It was registered on the day I picked it up. 3.2k miles in and it is telling me I need an oil change. I queried this with the dealship as I assumed it was an error and they have said the car was actually produced in October 24 and that this is set…
