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Shared Ownership Staircasing to 100% – Pre-2003 Lease, Resale, SDLT Linking Question
Hi all, I’m hoping for some guidance from those familiar with SDLT and shared ownership staircasing, as I’m getting conflicting interpretations. Property & Lease Background: Property in England (London) Shared ownership house Original shared ownership lease granted: October 2001 (pre-SDLT era) Lease term: 125 years from…
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Cant have ev car or solar panels or gas or heat pump!
Where do we fit in this world of power savings? Nearly everyone I know is making savings somewhere. But my neighbours and I don’t fit in these areas of savings to be made. Too far out from anywhere to have ev chargers. Solar panels are the right of the landlord. Too far out from anywhere to have gas. Heat pumps are looking…
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PPC wants name & address of driver - CPM
I received PCN from CPM and i have already appealed as hirer of the vehicle without naming the driver. They sent an email acknowledging my appeal but they ‘cannot verify’ the info provided. (Whatever that means) They are requiring name and address of the driver in order to deal with an appeal and to submit the information…
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£10-a-Day Challenge: 2026
Hello everyone! I used to be part of this challenge years ago, and after a long hiatus I’ve found my way back. The aim is simple: find or earn an extra £10-a-day to put towards debt, savings, or whatever financial goal you’re working on. It’s a fun, motivating way to build momentum, and every little win counts. Would love…
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Debt Free by 30!
Hello MSE Forum readers! If I was to look back on my 20's as a whole, it has been heavily dominated by my money troubles. Whilst other global issues have had their impact, my poor management of my money as well as a gambling problem I struggled with when I was younger stopped me from having a lot of experiences others…
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Bose/UPS issue with stolen parcel
Hello, I hope someone can help me because I amliterally at the end of my tether. I purchased a very expensive pair of noise cancelling headphones for my granddaughter on 13th January they were due to be delivered 15th. On 15th I had a message saying they were delayed, after conversations with Bose the package was…
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Evri Parcel
I hate Evri and have refused to use them - however after finding myself without a printer and an ebay item to send i had to use them via the post office. consequence - item damaged beyond salvage and thrown away by local Evri office prior to delivery. I raised a complaint through their chat bot - have a record of this but…
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Air to air heat pump?
Hello everyone. I’m in the process of renovating a 1950s 3 bed semi, and my priorities are insulation and heating. The current heating system is old storage heaters, and immersion for hot water. I’ve been researching different heating systems for a while now, and would appreciate any input to help in my decision. I’ve…
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Solicitor as executor?
I'm about to revise my will and wondering whether to appoint a firm of solicitors as executors. Current situation: I have no immediate family and plan to leave the bulk of my estate to charity. As it stands, I have two friends as executors but they are a similar age and I feel it's no longer appropriate to lumber them with…
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Thinking of DMP with Step Change
hi , I’ve completed a full assessment with Step Change as I just can’t carry on with a substantial amount of debt 70K accumulated over a few years due to some serious health issues husband and myself and erratic income. So far I have maintained all repayments but have used all of my savings. We are both in our 70s and I…
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MSE News: Which NatWest branches are closing in 2026/27? Here's the full list
NatWest will shut at least 39 of its bank branches in 2026 and 2027, after confirming 32 new closures today (Friday 30 January). Below we list which branches are disappearing and what the alternatives are if you still want face-to-face banking… Read the full story:…
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Santander Mortgage Offer Extension - confused
Evening all, On Tuesday, our broker requested an extension to our mortgage offer with Santander as our new build will not be ready in time (shocker!) On Wednesday, the app said that it was with the Underwriters dated 28th January. We’ve just had a notification that Underwriting is completed but the date of completion has…
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Buildings Insurance
Having inadvertently allowing my buildings and contents insurance to lapse, Admiral cancelled it on 16/01/26, charging me £45.37 for, what I’m informed was the outstanding balance. I thought I’d be continuously covered! Anyway, I’m now looking to get a buildings insurance policy, but in completing the questionnaire I have…
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Pension recycling if buying car?
Hi, I have a question on taking part of my tax free cash allowance to buy a car. The background. I am still working and sacrificing a significant percentage of my monthly pay to my pension. In 2022/23 I started to overpay into my pension from savings after remortgaging a BTL property, most of which went to 'carry forward'…
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SIM only broadband?
Apologies to all of you techies, as I am not very knowledgeable in this area. The issue: I am moving into a home that has pathetic broadband connections (sub 37 Mbps) on copper (no current plans by fibre people to upgrade). plus they want to charge ridiculous prices - because they can. So…Why can't you get as good speeds…
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DCBL Fightback
Hi All, I'm drafting my response against DCBL against a PCN issued in a hospital parking for going beyond 1hour allowed time. To cut the story short, the delay at the hospital was due to the actual appointment taking longer than usual due to additional tests. I appealed to PALS as per the forum instructions and also…
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Missed the appeal deadline - what are my next steps?
I unintentionally missed the deadline to send an appeal in to Gemini Parking Solutions. I have solid grounds for an appeal based on the deadlines to send me their first NTK after not putting one on the car windscreen. I received it 39 days after the parking period ended. Well out of the specified time frames. I drafted a…
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Can I ignore/appeal NCP parking charge?
Appreciate this has probably been asked hundreds of times but I received a parking charge letter today from NCP for “parking in an unauthorised area and liability for the same having been brought to the attention of the driver by clear signage in and around the car park”. The fine is £60 to be increased to £100. The car…
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Car garage have had my car for over 4 months
My car broke down over four months ago and was towed to a large well known car dealership. They kept giving us dates in which the car would be looked out and they would come and go without us hearing a word from them. We had to keep chasing them. In this time we have spoke to customer support who have done nothing to help.…
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One Touch Switch - City Fibre / Toob
Hi - I'm looking for some insight into what One Touch switch looks like from Openreach to City Fibre. Currently we are with TalkTalk (Openreach Fttp) and our contract ends on 4th March, we'd normally give 30 days notice on 2nd February. We are looking to switch to Toob (CityFibre) - They have an offer that we'd like take…
