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NHS Partial retirement and Redundancy 13/11/2025
I am in this position. I took partial retirement in March 2025, to get my lump sum for home improvement's to enable my husband to come home from the hospice, he unfortunately didn't make it. This seems so unfair. I haven't had a break in service 35 yrs in total I reduced my hours by the required 10%. I worked 37.5 hrs one…
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Find myself in debt again! (Scotland)
You would think I’d have learned the first time round! This time round it’s way worse! £30k worse! I’m currently at the stage of missing the first payments so few months of defaults yet. Is there a template letter for offering token payments (once debt has defaulted) What do I need to provide to offer token payments? Bank…
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Timing of Annual Tax Summary
Does anyone know when this drops onto the gov tax platform for 2024/25? Specifically the summary with breakdown as it is not on there yet. You can view the top line tax paid but thought after 5 months it may have dropped on. Not a first world problem but just wondered....
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Damp - How best to deal with it?
Attached some pictures of my damp situation. It is the external facing wall of my garage. I had 2 problems - sagging and broken guttering which has now been completely replaced. But my main problem now is the debris, rubbish and soil which has piled up over the years in a narrow ~25cm gap between my neighbours' garage and…
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Here’s where the story ends…
And another way of life begins? Another old tune that’s been stuck in my head this week. No more ninety months for me, aiming for four years from now so forty eight months. I have rejigged my budget as food prices and prices in general have gone up. Hopefully giving myself a reasonable amount to spend will stop me…
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Ex company car driver car insurance
I've been driving a company car for the last 25 years and so have not had to take out any insurance. I am now retiring and need to take out car insurance. I can't get an NCB letter from my insurer as my company insured third party, although I do have a Driver History Letter from them. How do I go about getting myself…
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Payment for Compulsorily Purchased IDS (Royal Mail) Shares
Just wondering if anyone else here is having the same problem with Equiniti and IDS Shares that I am? My late mother held shares in IDS (Royal Mail). I am the executor for her estate. She did not accept the EP UK BidCo offer to acquire the shares. EP UK BidCo exceeded the 90% threshold required for compulsory purchase on…
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Praise for credit cards.
i was out with a friend and when he went to pay his MBNA credit card had been blocked, turns out someone had got into it and was trying to use it fraudulently. I also recently had a text about unusual activity on my M&S credit card, this also was unauthorised by me. So it seems CC companies are at last taking an active…
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House of Fraser refusing refund for online sunglasses purchase
Hi all, My wife's had an interaction with House of Fraser that's shocked us and we're hoping for some advice. They are refusing an online return of sunglasses that were returned within 2 days. 14 Jan - Wife bought pair of sunglasses online from House of Fraser for £150, using PayPal 'Pay in three'. 17 Jan - They arrived,…
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Need Help
Hello, Firstly thank you for taking time to read my post. I bought a coat from Flannels online on 2/1 and when it arrived it looked like a bin bag so I returned it on 5/1 and DPD delivered back to them on 7/1. I then received an email on the 8/1 from flannels stating they had got the coat and would be in touch. Having not…
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Insurance policy cancelled auto renew still showing as renew automatic
I have a caravan insurance policy that is due for renewal end February. The company sent me a renewal quote for 0.00. Obviously this is a mistake on their side and not the first one. I do not want to renew with them but the auto renewal was showing as switched on - this company has made it very difficult to work with them…
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BIK on a company car that's a company "asset".
Hi. I am trying to get my head round potential tax implications for the company car I have which is deemed as a "company asset" as it had adaptations for emergency response. I know I have to pay BIK which I believe is 20% of the cars value, less my contribution and then 40% of that = 1 year tax. My questions is, is this…
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First time poster: Received a DCBL Debt collection fine despite proof of parking
Hello, first time poster here in need of help. On 9/9/2025 at 10:30pm, I used London Colney Fields Shopping centre Car park to go to the PureGym in the shopping centre late at night for 1hr 15mins. The parking restrictions there is 10am-10pm and after 10pm, it's 10 mins free parking. There is a machine in the PureGym to…
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Aviva Life Insurance Policy
Hi, I have been dealing with the estate (less than £100k in total with no property to sell) of an elderly family friend. I have successfully applied for probate, successfully claimed & closed 2 life insurance policies from Sun Life, and closed & received his money from his bank accounts. But having trouble claiming a small…
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Full Fibre: How to connect to router upstairs?
I'm no expert when it comes to wifi and routers etc. but I'm thinking of changing to full fibre. I currently have a cable running up the stairs from the master socket which connects to the router that's in a bedroom. If I have full fibre coming into the house, I'm guessing that the current master socket will be removed and…
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hmrc self assesment (tax returns) processing times
Hi All I did the dreaded tax return yesterday (31st) and finished it by 12:30pm (lunchtimeish) so was about 12 hours before the deadline. When I logged in it informed me I owe 11p from a previous year. I filled it all in and submitted it. This time I owed about £250. I tried to pay, but it still said I owed 11p, which, of…
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Radiator Fixings
I bought an Ultraheat Compact radiator but the manufacturer doesn't supply the wall fixings (screws and plugs) for this range, they do supply the brackets though. Can anyone advise the screw and plug size that should be used for a solid brick, plastered wall fixing? The overall weight of the rad is approx 34kg. A quick…
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Making your craft stash into cash 2026
You can sell your art/craft to clear debts or book a holiday or just to help with the declutter. Just before xmas my art supplies were moved to a storage unit to allow us to floor the studio so i can move in Absolutely horrified i could open a shop mainly gifts or cheap buys but either way need to get it cleared so plan to…
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HMRC owes me money from 2018-9 and 2019-20. Should I demand interest from them?
HMRC sent me a letter saying they owe me some historic tax credits (total approx £650) for the years ending 2019 and 2020. They've asked me to phone to confirm my bank details so they can repay this. Am I right in expecting they should pay interest on this?I would like to speak to them but go armed to discuss if (and what)…
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Park Direct UK Ltd PCN, ANPR, NTK sent 135+ days after event at Retail Park, IPC/IAS firm!
Hi All Here are the particulars of this PCN that I just received (16th Jan 26) in the post! PCN Number: XXXXXX Vehicle Registration: XXXXXX Location: Farnham Rd Retail Park SL1 4XB Notice service Date: 09.01.26Event Date: 27.08.25Issued by: Park Direct UK Ltd, PO Box 4777, Iver, SL1 0BX [ 0203 866 5774] I received no…
