-
Bonds with life insurance
please advise invested £50000 in 2004 cashed in about £9000 bonds now only worth approximately £42000 so no a good deal .We (as joint account) need to cut our losses and move on .We calculate that by cashing in we won’t be subject to tax .As we’re on 20% tax Many thanks
-
Quote to get kitchen redone - does this seem reasonable?
Hi all, My partner and I recently bought a house and we are looking to get the kitchen redone (the kitchen is quite small, 2x3 meters). We've received this quote for the work (excluding the kitchen units, flooring, and tiles). We’re in North Yorkshire and just want to check if this seems reasonable to people who have done…
-
brother offering to buy the remaining shares of our shared ownership house for us
My brother and sister in law have come into a substantial amount of money. They have no debts or mortgage and have said that they'd like myself and my husband to have the security of owning our house outright. We are 58 and 74 so cannot have a mortgage even though our income is pretty healthy. (4000 a month) We currently…
-
Approaching retirement - best beginner tips?
I’m a novice when it comes to pensions. Ive only ever had DB pensions but am now 55 and wondering if there is anything obvious I should or could be doing. I’m not expecting a full IFA assessment but is there anything you would do in my position? I have 2 x DB pensions, one retirement age is 60, other (my current employer)…
-
Is this an extension, or a conservatory?
Is this an extension or a conservatory? It looks unusual to be a conservatory, but the glass ceiling makes me think it's not an extension either! Any ideas? Also checked the councils planning portal, no submitted applications. However, could also be due to it being within the required limit so no planning permission needed…
-
Uk coach holidays
Can anyone recommend a good company. Hubby doesn’t fancy driving far anymore and we thought we’d try a coach holiday in uk reading trip advisor. On leger and shearings not brilliant . Plus we’re both tall so need the legroom if we’re just sitting. We’re Manchester so would like a few hours travelling but not 7+ thanks
-
O/S WOMBLING, Road Coinage, Skips, Roadside 'finds' etc
Okay Confess.......... Who has benefited from people having clear outs. I will begin with my 'finds'.......... A perfect lamp A wooden stool about a foot high. Perfect for me as I am challenged height wise. 2 Flower pots A plastic shopping basket. Great for carrying multiple items up the stairs. A metal shoe rack. All…
-
DCB LEGAL court claim 2025 - UKPC – Parkhouse Court - Hatfield - Draft Defence.
Hello all, Looking for some help with a (couple of) parking pCN from UKPC @ Parkhouse
Court – Hatfield. Data of love note on car: 7-9-2024 Date of NTK’s: 2 x on
10/10/2024 (date on the letter, received a day or a few later) First off I’m somewhat behind on dealing with this, life’s
been getting in the way the last month or…
-
Notice Accounts
I can't see any dedicated thread for Notice Accounts, so here we go. My question for all knowledgeable people in this forum is whether anyone has any experience with Allica Bank, I currently have a Zopa smart saver account and, so far, can't fault them really, but Allica are offering 2% for 95 days notice compared to…
-
Temporary account ?
I need to keep £100,000 in an account with instant access ready to pay for land purchase when the right plot comes up for sale , my other funds are in NS&I bonds and I am retired so no salary will be paid into this account and nothing spent from it , just one lump sum up till it is needed ( or two seperate accounts if that…
-
Car shut off now won't start plus battery replacement advice.
Have a 2018 hyundai i20 1.0 petrol automatic. After a couple weeks of not being used I took the car out for a drive. As you know in the UK it has been freezing weather lately. Car started OK and drove off. Came to a set of traffic lights the stop start kicked in and switched the engine off. When I tried to set off the car…
-
Fuse energy help?
Hi all, I switched to Fuse energy in December and they quoted me a monthly DD of £187 per month. I have had my bill through for this month and it’s £340 🤷🏻♀️. Has anyone had experiences with them as this seems a crazy amount to use for gas and electric.
-
Lloyds credit card
Just got one. My card has been blocked twice in less than one month!. For absolutely no reason!…? Overzealous fraud squad?… V unreliable as a result…😮 Oh and the first ime it happened when `I rang the fraud department all I got was auto reply!… Disappointing from such a large organisation…
-
Early termination agreed by landlord, but agent charging high “early termination fees”
Hi everyone, I’m looking for advice on whether the charges I’m being asked to pay for early termination are lawful under the Tenant Fees Act 2019. Background I have a 2‑year fixed term AST starting 21 June 2025 and ending 20 June 2027. The contract contains a break clause only after 12 months, i.e. 21 June 2026, with 2…
-
BT/EE Price Rises
I'm trying to see any value for me as a BT user with an EE sim free phone with the upcoming price increases.
-
No PCN or NTK SABA
Looking for some advice please as to next course of action, if any. RK received a ZZPS letter referring to an unpaid parking charge, contravention date in November. No previous NTK or PCN have been received. No recent changes in circumstances eg change address, vehicle ownership and not a company car. My question is,…
-
rejecting Peugeot boxer
Hello guys. I bought a van a few days short of 6 months ago and i am having many problems with it. i intend to reject it, and i have drafted a letter, i wonder if anyone could run an eye over it first please? to check if its ok?im going to send it to customer care, and cc in the finance company. thanks!! hello In october…
-
Yet another scumbag parking eye letter - Fox House, Derby - POPLA Stage
Seem to be getting these every year now. I don't think they even bother putting signs up in some places and assume some people will blindly pay the ridiculous amounts asked for. I'm just posting yet another appeal and eventual success to show people on this board that despite some naysayers, POPLA will still stick up for…
-
Dusk Bed Issue - Help!
Hello All, I hope I am posting in the correct section here. I purchased a new ottoman bed from Dusk back in October last year. The bed arrived, but when we put it together the gas lifts for lift the bed (and use the ottoman under bed storage) were not working. I sent images and a video to Dusk in early November and they…
-
UKPC via DCB Legal - Response Advice
Hi all; Apologies for creating a new thread as I appreciate so much help is already here and I have tried to go through everything, so apologies again if I have missed the answer to the below. I received a letter from DCB Legal today, dated 27th November. This is from a parking fine in March where I apparently parked in a…
