-
Contact Lense Conjob!!!
I recently decided to apply for a contact lense eye test so i could try them for occasional use as an alternaltive to my glasses. It seems so far that the big chains are full of tricks, Specsav*rs told me i would have to pay them a fee if i ever decided to get my disposable lenses from anywhere other than them and Vision…
-
Good income but but can't get out of debt
Hi, apologies if this is a duplication but I don't know
where else to go, let me know if it is and I will delete. 5 years ago: I, wife, and new baby lived in accommodation provided
by family business. Business changed due to a death. Family dispute, had to
leave business. Had little savings due to being partner in business…
-
IHT Taper relief
AIUI from threads I have read on here, that taper relief only applies to gifts that exceed your nil rate band. So for example if you give away £300k and die after 6 years and 11 months, the whole £300k is counted back into the estate, as taper relief does not apply. However in the past month I have read four separate…
-
Do I need to declare every gift my father made, for Inheritance Tax
Hi all, I am currently sorting the IHT for my father's estate. As part of the IHT400 form, I am completing the Schedule IHT403 (Gifts, etc). My father was fortunate enough to be able to regularly gift money to his sons, and grandsons (although this was paid into his daughter-in-law's accounts first, before being tranferred…
-
Cheap HPI Check for Cars
Hi Everyone Is there any HPI check websites that are either free or cheap. I am wanting to buy a used car and looking at a few cars, so checking them all would be quite expensive, even though some state that it is HPI clear you can never really be sure. I have found one site thats seems reasonable…
-
Magazine dailies
Do people enter every day on these? Or just once? Trying to work out if I can make the time to do more and interested to hear what others do
-
30 day car rejection, is it real or just a get out for the motor trade
Ordered a new car with some strict criteria owing to my disability, one being that the seat must have the ability to be programmable with a memory for at least two persons, when delivered the vehicle doesn't have this. The showroom tried to make it work but had to admit it wasn't able to be programmed. After finding this…
-
Neighbours may be causing my house not to sell
We're trying to sell our house but the neighbours are always out in their garden shouting at each other. We had one viewing where the neighbours were effing and jeffing at each other. The Estate Agents can't get hold of the couple who viewed it (no surprise!). Our EA said they're surprised the house hasn't sold and suggest…
-
Help please with probate/ Letters of Administration claim
Hello , I really hope someone may be able to help or advise with my situation . The basics facts are these - my father died in 2013 leaving no Will and his only asset being his house that he owned with my mother as joint tenants . As the house passed automatically to my mother there was no probate and the house was simply…
-
O/S Daily Monday August 25 2025
Morning all
-
Multiple incomes: tax code allocation
I have four income streams. Three are DB pensions, so pay monthly. One is a SIPP, which I draw as needed. Typically late in the tax year. HMRC have allocated the tax codes, such that the bulk of the tax comes from the DB pensions. It would suit me better for the bulk of the tax to come out of my SIPP drawdown. Is there any…
-
Preparing small claims court case against Axa travel insurance
I'm posting here for the benefit of others, firstly to warn them about LoveitCoverit travel insurance (by Axa) and secondly to post about my case and progress. Long story short (won't bore you with all the details), our daughter fell ill the night before our scheduled flight and was unable to travel. She and some of our…
-
Alchemausterity II
Traditionally I would post in purple, but times change and on my mobile. I was torn between DFW and MFW but I feel like this is my spiritual home! I haven't been around for years and in that time we've moved to a smallholding. DD1 now at uni, DD2 doing GCSEs and DS1 starting secondary in September. We have a whacking 270k…
-
Rolling Down the Green Hill Towards REtirement 😊🌄💚💜
Happy New Year!!! As our MFW journey finished back in July 2015(wow!) on our family home and Apr 202 on our BTL (because we sold it! :D ) I thought it was time for a new diary (seeing as some others are doing it, I thought I'd also jump on the bandwagon 😉 🚙) and the new year seems a good time to start. Back when I started…
-
10 years to clear £334K - our FIRE journey
We bought our house late 2014 and have been (very) gradually doing it up. So far we have replaced the roof, oil tank and boiler and completely refurbished the study, living room and one bedroom. We have three bedrooms, bathroom, kitchen and utility still to go. We recently re-mortgaged and have released some equity to do…
-
Manchester airport drop off fine
Hi I’ve been reading through the threads trying to find a solution that fits with my query but I can’t, please help me I picked up my daughter from Manchester airport T2 in May, it was 2.30 am I was driving round looking for her and drove on the drop off/pick up road (by accident) as she wasn’t there. I thought I would…
-
N180 Form. How do I know who to send it to?
Hi all I'm dealing with a parking ticket and got an N180 form to complete. Initial look and, unlike others, doesn't seem to be one that can be completed online despite asking for copies. Anyway, I have to send a copy to the claimant but their contact details are not on the form, just the company name and a reference…
-
Lebara switching Sim only plan - Deals only available to new customers
With Lebara (not for much longer!) and needed more data pm so looked on a price comparison site - Lebara was the competitive and as I was already with them gave them a call. Operative was very apologetic but apparently they cannot give any deals to existing customers, and if you order a Sim from the price comparison site…
-
MSE News: Got Sky TV? Why you still can't cancel penalty-free if it hikes your price mid-contract
If you've got Sky TV, Sky can put your price up during your two-year contract without telling you what rises to expect before you sign up AND without letting you leave penalty-free. Thought this kind of thing was supposed to be banned? So did we. But our investigation can now reveal that Sky is exploiting a surprising gap…
-
Advice needed: Lodger/Airbnb arrangement after bereavement
Hi all, Hoping someone might be able to point me in the right direction here. My brother and I have inherited our family home following our mum's passing and are considering the arrangement outlined below. We'd like some guidance on the legal side of things before we proceed. Background: We sadly lost our mum very suddenly…
