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USS pension - what happens to Investment Builder on death?
Hello I see there's a few USS queries on here but none addressing my concern - which is what happens to the Investment Builder pot when you die? From what I can work out, it's not directly inheritable - which is surely a big downside of keeping funds in there after you've retired? My situation is that I have (been) retired…
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Nationwide Standing Order Query
I have a standing order of £250 every month from Nationwide to Skipton BS. I've just checked and last month's payment did not reach Skipton. However, there are both payments to and from Skipton for £250. I've used the help facility and been told that the transaction failed due to insufficient funds. This doesn't make sense…
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British Gas Back billing nightmare
Hi all, I’m having a nightmare with British Gas and their handling of back billing and would really appreciate some advice. Background: I’m a pay-on-receipt customer. I was moved to British Gas in September 2021 when my supplier went bust, and I never set up a direct debit. From December 2023 to June 2025, I received no…
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Calculating energy bills
I have tried Google search to find an easy way to calculate my energy bills. However, the results that are returned are instructions on how to read Electricity and Gas meters. There is nothing on how to calculate what your actual bill is going to be or should be. Mathematics and anything to do with figures are my weakness,…
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lost handbag in shop and overstayed parking
driver was shopping and was going to register to pay. Handbag was missing! Searched everywhere in panic then waited at door to see if anyone was leaving with it. Eventually enlisted staff who were slow, until the manager started searching the upper floor and to drivers relief came back with bag, phone, and wallet still…
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BW Legal Court Claim
I've now received a second money claim about a "contravention" at my own parking space, represented by BW Legal rather than Gladstones. The previous thread (I'm now awaiting Court Hearing): https://forums.moneysavingexpert.com/discussion/6592865/court-claim/p1 Particulars: AOS completed on 3 August (issue date 18 July), so…
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Car Tax Direct Debit change
Hi there I want to change my car tax direct debit from 6 monthly to annually. I can see from the DVLA website that I need to cancel my direct debit at the bank but how to do know when and how to set a new one up? Will I get sent a new notification to pay the tax (as don't currently get one) or will I have to try to…
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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…
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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.)…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
