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UC- self employed CIS sub contractor no work 3 months
Hi there Hoping someone might be able to help with a few question regarding UC. We have never received UC before so not sure how it works at all. We have a family of 2 adults 1 child aged 6 I haven't worked since our child was born for a number of reasons and this won't change any time soon. I have never claimed out of…
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Need a little advice, my take home pay is different to whats calculated...
So I've been using this https://www.thesalarycalculator.co.uk/salary.php to calculate my take home pay estimates... I earn 38K a year. According to the calculator my PAYE should be £423.83 and NI £169.53 But the actual deductions were £441.20 and £176.49 Not wildly different but nearly a weeks shopping. But I also have a…
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Trolling/Taking down Moorside
Hi all Being proud of my thus far 100% success rate against these cretins I'm happy to expend some more time making the crooks at Moorside's lives that bit more difficult. Recently in receipt of this absolute howler of a 'Letter Before Action' - truly the pinnacle of low-effort mass automated mail-merge letters…
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Sending electrician invoice to landlord --
I noticed two weeks back, on an early Sunday morning (of all times), I woke up to find my electricity had tripped and not the individual circuit switch, I mean one of the main dark red switches on my Memera 2000 unit. I got in touch with my landlord and he came round within the hour really and told me to do something I…
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HL SIPP - Inundated by Drawdowns?
Does anyone else have this same problem? I have just started to draw my pension from HL. I am going to have to rely on this mostly until I hit the state pension age. First withdrawal was a difficult process for me to follow, but things are when you do them for the first time. But it did at least go through quickly once I…
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TV licence - to pay or not to pay?
Hi all I read an article in DM yesterday where Boris Johnson said he is not going to pay his TV licence (I have no interest in why - something political!) Anyway, it got me thinking. I have no TV ariel & mostly watch bbc,ch4,itv etc apps (+Netflix ). I was of the understanding as I was watching BBC (signed in) I have to…
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Tax on State Pension
At the moment, there is no P60 or statement of tax paid on Gov.org or anywhere else. As the government are going to tax us and more people have to complete tax returns, will they now have to issue P60s?
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£2,576.79 to clear by March
£956.15 on one credit card, interest free period ends 16th March £1620.64 on the other, interest free until the 1st March It's entirely possible that I can't quite manage and end up doing a balance transfer, but this diary is to give me the accountability to try my best. We've had a tricky year financially after my husband…
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Avanti Delay repay appeal
Booked a train from Birmingham to Hamilton (9:07 to 13:31). Everything was fine until we arrived into Stafford, when there was a major delay. I reached Hamilton after 5pm. I started a claim for the delay, but it was rejected because: ' Our systems show that your provided ticket(s) were used for travel on an earlier service…
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crystalisation and drawdown
hi sry if these are really dumb questions.... I am some way off needing to do it yet but just starting to think about draw down of my DC pot To keep things simple lets just say the pot is worth £1mil I understand that (for now at least) you can access 25% of this tax free (TFLS) so if the whole pension is 'crystalised' one…
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Manchester Airport APCOA fine incoming
Hi All, I've recently started driving for Uber (3 months). Ive made dozens of trips to Manchester Airport and paid every single drop off and pick up fee. However, on Friday just gone I had two drop offs and one pick up and completely forgot to pay these ones. I realised yesterday (Sunday), logged in, but the visits had…
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West Brom experiences
I applied for the Triple Access Saver (Issue 1) 4.55% on 11-Nov, I got the email saying it’s in progress. finally got an sms on 20th saying it’s been approved and they would email me details of how to add cash. Eight days later, not heard anything checked all my junk folders etc. I know they have my email correctly.…
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The Top Fixed Interest Savings Discussion Area
I'm interested in people's thoughts and recommendations for the best fixed interest accounts. With BOE interests rates recently starting to increase we have to consider the desirability of long term fixed interest savings. Since withdrawals are usually not permitted before the end of the fixed period, such general interest…
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British Gas, Collective Nov26
Hi, I applied for the BG Collective Fix through MSE Energy Club a month ago but I've heard nothing back from BG. Are others experiencing delays? My current BG fix expires end of Oct so I'm concerned BG are stalling. They had already offered me a new fix before the MSE Collective offer cam up and they are still offering…
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NS ESA after Carers allowance
I would be grateful for any advice on whether this is possible. If someone has been claiming Carers allowance for the past few years and now is unwell, will the NI credits they have received be sufficient to claim NS ESA which would give them a bit more money. If they were awarded ESA, does the Carers allowance claim…
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Why I decided not to move to Onestream
I looked at moving to Onestream, but decided not to, for a couple of reasons. I was one click from signing up, but: 1. Router cost. An extra £3 a month on top of the price advertised on the MSE comparison site. That eats up most of the apparent price advantage. That's all a bit underhand. I could buy the router Onestream…
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Escape to the country & living off savings
Copied over from my old diary Hello again from Yorkshire 😁 The move from the south coast went well but it has been hectic since I got here. Spending has been budgeted for van hire £250 diesel £90 train fare for DS to get home £30 new boiler £3600 living room light £32 kettle & toaster £40 New bath towels (sale) £6 Living…
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Big Car Company V Little People
On the 18th June We went to a County Show We were looking around the EH stand. (Not sure if I am allowed to mention the Garage!!) The EH Representative came over to us and asked
if we were interested. We said we had a Mustang and was looking to change our
vehicle to a Transit Van. They said they would be happy to take our…
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Parking eye PCN - even though paid for the parking
Really sorry if something like this has already been dealt with - I have searched the forum for quite a while. So, parked, paid for parking at machine, and still received a PCN. I *think* I can prove that I paid using: 1. An entry on my credit card statement at the correct time (i.e. a few minutes after we arrived) ...…
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Trip.com traincard
Did anyone else make the same mistake as me and buy a Trip.com ‘traincard’ as it was listed with the ‘railcards’ then realise it only gives a 4% discount and only if you buy tickets through Trip.com? I requested a refund as soon as I realised but it’s been refused. Feeling silly and disappointed🤦♀️🙁
