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My mortgage clobbering post
Putting this here because I'm an enthusiastic mortgage over payer and I have no one in real life to tell! Single parent for 15 years, left in £35,000 of debt by ex husband. (Paid off over 6 years). No maintenance paid in 15 years. Unable to pay capital for many years as I had to use the old endowment policy to pay off my…
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Moneybox App - Confusing
Just joined and transferred an ISA to them. It might be because the this has only happened in the past 24 hours, but the app is awful. The transfer went through within 12 hours of requesting it which was great, but the app is littered with adverts for their other products, a 'lets get started' page all over the front page…
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Barclays, upto £2500 cash back for a cash, investments, or ISA transfer
https://www.barclays.co.uk/smart-investor/campaign/transfer/?campaign=SI_Email_Acquire_Campaign_email_Premier-2915-competitor_&chnnl=EMC Got an email about this, this morning. Need to transfer over £200k to get the maximum cash back and it’s paid out within 12 weeks after the end of the offer window I think, so around end…
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My experience with Sensory Education
This discussion was created from comments split from: Sensory Education Ltd. (Formerly Cheap Disability Aids Ltd).
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Pension Credit waiting time response
Good evening all. Just a quick question please. Friend of mine applied for PC back in mid December 2025. As of today, 16th March she's had no response. Does anyone know the time line please? I know she can phone or write which, will be her next move, but thought I'd ask here first on her behalf. Thanks in advance.
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POPLA Appeal NCP
Hi, I wondered if I might be able to get some assistance with appealing a PCN. I have contested the PCN with NCP directly and was advised "our records show the notice was correctly issued as your vehicle was parked in breach of the Terms and Conditions of Parking". I have been advised by NCP in line with their ATA…
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Two house with equity - to one outright purchase
We have to move into a single house with aged parents. We have found a house to buy and what we will realise from the sale of our home and the pareants home is way in excess of the new property purhcase. The thing is we want to do the deal now - care in our current small home is very difficult. We have pensions and…
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Should I be looking to add a Battery?
Hi All, I had installed a 6.5Kw system in 2023. 15 panels, split array with a 5Kw SolarEdge inverter. I do not have electric heating or an EV and currently have zero plans to get either. Last year I generated 5.74Mwh of which I exported approx. 60% to the grid. I could fit many more panels as I have not utilised the main…
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Unforseen&Non upfront advertised Investment platform
Hi all. Some platforms don't show the charges & restrictions that they impose on you and your cash until you learn the hard way when you want to take uninvested cash out & then they inform via a brief info that it's 4 business days, I guess that would be 6 if a wknd is involved so investment platforms aren't like banks…
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Gatehouse account number layout.
Hello, I've currently have a gatehouse ISA, which is due to mature soon. At the moment, their offerings aren't that great. So, l will probably transfer out to a different provider, but the way that my account number is set out, I'm not sure what to put in the transfer form? This is the layout of the account number . NOT…
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Transfer of SIPP to self managed fund
I consolidated a few DC pensions a few years ago under the advice of my FA. Having done the Rebel Finance School course, I now want to leave my FA and transfer to a self managed SIPP. I'm 60, don't need to start withdrawing for a few more years unless I need to access the lump sum. How do I go about finding out which fund…
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Takata Airbag Recall Advice - Citroen C4
Hi all - I guess I'm a bit late to the party with this one, I had no idea this was a thing. So in September last year, I bought a 2016 Citroen C4 Auto from a small car dealer (no mention of this recall from themselves). A while after I had it, I received a letter through the post about an urgent safety recall for the…
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NHS Learning Support Fund Training Grant
Does being awarded a £5k training grant via the NHS learning support fund, affect how much you can get on a maintenance loan? I had read articles which seem to conflict on this.
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Car service reality check - Warranty cover
My car (kia, so 7 year warranty) is due its annual service. Because of health issues it has only been driven about 500 miles since last service. The car is entering it's last year under warranty cover and I am considering changing cars in the coming months. Dealer is quoting just shy of £300 for service to maintain…
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Buildings insurance repudiation letter - this is ambiguous isn't it..?
Our retaining garden wall crashed down in torrential rain during a named storm earlier this year. Just had the insurance company's repudiation letter via their Loss Adjusters - notice the 'appears that the damage has occurred...' line. Surely that's ambiguous and unclear? Worthwhile challenging?
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Please could I check if you think this makes sense
Hello. This is my first time on here and I wondered if I could ask for some views please. For the past 8 years I have saved to ISA’s and not a pension. I will be stopping work at the end of April and wondered if it might be worth me opening a SIPP and paying in this year’s salary. I will earn £29K this year but will be…
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Prudential Investment Bond
Hi, I'm trying to help my mother-in-law out with her finances as her husband is in a care home and at the moment she is self-funding. She has a Prudential with-profits investment bond with added life insurance. It was taken out in 2001 with £63,000 and has 20 policies. It has grown over the years and is now worth about…
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Query on Pension Credit for my mother
My mother, whose in her mid 80s, has been on Pension Credit since 2023. When she originally signed up she had 3 bank accounts, all 3 were declared, since then she has 2 and has moved the money from the one she closed in to a bond. She has just received notification via a letter that she is going to get a check done to make…
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Car bought from dealership, can't fix fault, need help / advice
Hello all, I hope someone can point me in the right direction. I bought a car end of January 2026 (this year) second hand from a car dealer ship around 50 miles away. Cost just under £9000, bought via bank car loan, not a finance deal. They did a 52 point inspection prior to me picking the car up and said the radio /…
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New Statutory Sick Pay from April and SC2 form
I will need to take time off for hernia op and claim statutory sick. Will I get 80% my normal pay? I work for a rubbish PAYE company so this is important. If I go back self employed only too, will I get 80%? Also I thought I was entitled to sick for a day off last month. They sent me a SC2 form, what's that?
