-
Utilities after a death – notify now or wait for death certificate/probate?
Hi all, I’m looking for some UK-specific advice on how best to handle utilities after a death. My grandad has recently passed away. The property will be unoccupied for a while and probate hasn’t started yet. We don’t yet have the death certificate (MCCD issued but waiting for registration). One view is that we should…
-
ISA yearly allowance
EDIT - Has now contacted share dealer. EDIT - Finally believed £20 limit, reversed 2nd ISA. As I read it, you have a £20,000 allowance to put into any combination of different types of ISAs. My partner put £20,000 into a cash ISA earlier this year and has today opened a Shares ISA "using" (maybe, I know nothing of shares.)…
-
Speeding offence - notice of intended prosecution quoting wrong road. Is it invalid?
Hi all, I was caught by a fixed camera doing 35mph on a 30mph road at the weekend and have just received the Notice of Intended Prosecution. However, the road and location identified in the letter are both incorrect - I was actually about 15 miles away from the quoted location at the time. I’ve looked online and the…
-
Elderbridge (First Plus) Interest Rate
Hi Everyone, I know this has probably said before but i am looking for some advice with regards to the never ending farce that is Elderbridge, i am just looking for a bit of advice on how i can see the end of this never ending loan, my wife and i took out a loan of £25,000.00 in 2006, the balance of the loan just doesn't…
-
Cleaning up a LOT of JPG's
I have folders of JPGs on my PC - photos taken over a lifetime plus old family photos from over 150 years ago. I have more than 4000 JPGs The whole folder is subdivided in to many other folders with copies and naming of images all over the shop. Is there some automatic way (download or whatever) of removing copies of…
-
Evri have lost the Vinted parcel I dropped off.....
Hi. New to Vinted & not sure what happens next? Recently I sold an item on Vinted, the parcel was collected by the courier from the Evri shop, their online tracking shows it is being processed at their hub. The tracking has not updated for 15 days. I contacted Evri who after three emails have said "it is potentially lost…
-
CEL Claim Form
Hi there, I’ve received a claim from from civic enforcement limited, and I am hoping for some advice with the defence. Redacted claim form is attached below: The incident involved parking in the car park of a business centre on a Saturday. This car park is usually full up Mon-Fri, but it is empty on weekends. There isn’t…
-
Speeding fine
Unfortunately I have revived a speeding fine. I was doing 52 mph in a 30mph (I was not aware this was a 30 mph zone, no houses and no sign prior) with a mobile van camera. I have no convictions, no points, I pay everything I need to pay. I have been looking and I’m expecting a band C fine … but what does this normally…
-
Dispersing of accounts as an executor
Hi Any advice appreciated, so dispersing of accounts, I know I need to share statement of accounts & I’ve read it’s R185 form. Complete this and send the same copy to all 5 charities, please what do I get them to sign for completion or excepting their %\money, before transferring of funds. I’m helping my mum who is elderly…
-
Halo capsule vacuum cleaner
Hi Everyone, I wondered if anyone has had a problem with Halo Appliances? I recently ordered a capsule vacuum cleaner with the expectation that the delivery would be quite quick (their website states all orders are dispatched within 1-2 days). After a week of not hearing anything, I have made numerous calls, but each time…
-
Sanity check - S&S ISA to SIPP
I am not looking for financial advice, just a sanity check to see if this is a reasonable plan. I have a S&S ISA of about £3,000 that I opened a few years ago as a first taste in investing. I haven't contributed to it recently. I am contributing to a flexible Cash ISA for short term goals. I also have a SIPP with about…
-
Conservatory issues
We've got several issues with out 9 year old conservatory those issues being a leak from the soffit ajoining the house, damp coming thru near the conservatory exterior doors and one of the conservatory roof panes has shifted. We've had them out before regarding the leak and they squarely pointed the finger at our house…
-
Renovations and home insurance
Home insurance is up for renewal soon. In the next year I'm planning to have the roof redone on the sun room and am trying to understand the implications on insurance of this. I understand that pretty much all policies have a clause that you need to inform the insurance company before getting any building works done and…
-
Vehicle Control Services Limited Email help!
Asking on behalf of a friend…. My friend got CCJ from the above company, he saw it late on his credit report and panicked and paid it off. Now he's got a solicitor to help remove the CCJ from his record but guy taking forever (been over 6 months think). I told him he could do this himself by emailing the company to request…
-
How to sell my paper shares?
Hi, I wonder if anyone can give me some advice please? I bought some shares about 25 years ago. I have the paper certificates. They are worth about £1k. What is the best / easiest method of selling them? I want to get the cash and reinvest it somewhere else. Thanks in advance.
-
Private insurance for flats
In the UK, is there a way of ensuring my flat is covered if other flat owners in the block brake the building insurance terms? The risk at present is that one flat owners could invalidate the insurance for everyone in the block
-
Hurricane Mellisa and its disruption
I am getting frustrated with my tour operator and their lack of communication. Booked a holiday to jamaica last october and got caught in Hurricane melissa. The hotel closed its doors and the local airport was closed. There was no communication from local holiday company reps so holidaymakers were left stranded. The…
-
ECP Fine and Debt Collection Appeal Rejection
I parked in an ECP in Manchester in September, I used an app to pay but unfortunately had an old Vehicle Reg stored, I have the screenshots of this parking session in the app and the money leaving my acount to ECP. I was parked in the space withing the paid for 4 hours. Unfortunately, the correspondence for this infraction…
-
Help to save regular payment not showing in help to save account
I set up a regular payment (standing order) to leave my bank account. I copied the account number, sort code and reference exactly as it was. It needed a 'name', so I saw people on here had just named it something like HTS so I did and it came up 'it's a match' on my banking app. Anyway, the money has left my bank account,…
-
Subletting clause - what does it really mean?
Hello all, I am having a little trouble understanding my lease about subletting. I am thinking of renting my flat out so I have been reading my lease over and over but I am not really sure what its saying. The lease says: Not at any time during term hereby granted to divide the possession of the flat by an assignment or…
