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The Top Fixed Interest Savings Discussion Area
I'm interested in people's thoughts and recommendations for the best fixed interest accounts. With BOE interests rates recently starting to increase we have to consider the desirability of long term fixed interest savings. Since withdrawals are usually not permitted before the end of the fixed period, such general interest…
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Regular Drawdown Interactive Investor
Question for those with Interactive Investor who might be using the regular drawdown function. Does it work like a payroll - do I get to specify a particular day of the month which the payment will be made, and this specifies the tax date and the date it will hit my account? So for example, if I initiate a regular drawdown…
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How to decide whether protecting home insurance NCD is worth it
Hi. I am currently with QuotemeHappy. I have the option of buying NCD protection at renewal, but QMH won't tell me how much my current 7 years NCD has knocked off my renewal premium (either in £ or as a %). I asked them to recalculate my renewal premium using a 0 years NCD, so I could see the difference in the premium, but…
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Whose gift is it anyway?
If parents make a gift of money to a child, is it demeed to have come solely from the parent whose bank account the money is transferred from (thinking of things like seven years survival for IHT)? If you want it deemed 50/50 from each parent, is it necessary that it either comes from a joint account or that half is…
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Energy standing Charges - OFGEM's inability to address unfair standing charges on consumers
I am writing to express my deep concern regarding OFGEM's inability to address unfair standing charges on consumers energy bills. The disproportionate standing charges applied to my and energy bill is a typical example. As a low energy user, I take every measure to reduce my energy consumption, not out of choice but out of…
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Single, no dependants, self employed. Best setup for SIPP, LISA, SSISA ?
I pay myself basic salary for NI contributions (12570 a year) then take about 35k dividends to cover my lifestyle (rent, food, shopping, holidays) That leaves me with about 100k in my company accounts after all corporation and VA taxes are paid. My plan is to then: Take 4k dividend, put straight into LISA Put 20k into SIPP…
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Debt write-off due to mental health illness and long term unemployment
Hi everyone, I’m looking for advice specifically on having a debt written off for my mother due to long-term mental illness and lack of capacity. A card was posted through her door by ResolveCall, saying they attempted a visit regarding an account. No details were given about the original creditor. Background (important):…
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Reading as a cheap hobby
Reading needn't cost anything if you live within walking distance of a library or get a free bus pass. Libraries often put on free activities for children, too. If you're lucky, your local library will be warm and have some cosy armchairs. Some libraries will allow laptops so that students can work on projects and…
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Santander credit card
I was scammed back in august 2018. And need a copy of this statement for the people who are trying to get my money back. After so many chats in Santander app I am getting nowhere. Has anyone else had this problem
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Car Insurance cancellation
my daughter has car insurance with a black box and her insurance company have informed us that they are cancelling the policy in 20 days time because her score is to low, she never had a problem the previous year with a different company and she is so upset because she doesn’t believe that their information is correct. My…
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Between 'Buy In' and 'Buy Out' stage....
does a deferred member of a Defined Benefits pension scheme usually have rights to a statement/ongoing statements during this stage? Before a 2023 Buy In was secured, the scheme Trustee/Administrators provided Tri-ennial statements, with the next one due in 2024. Buy in has not yet reached full Buy out status (taking a bit…
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Solar Panels without planning permission
Buying a house with solar panels in a conservation area without planning permission. Probably installed between 3 and 4 years ago. Has anyone been in a similar situation ?
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CCJ sent to my old address - Set aside application and fee payments
Hi all, I received a CCJ to an old address from G24 ltd regarding a parking event in May 2025. I was able to collect my old mail from my previous address included the POC and all threatenings mails from DCBL Baliffs. After reading the NEWBIES posts and related subthreads, I prepared a letter for DCBL to set aside the court…
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Free software to replace MS Money
On my old computer I used MS Money to keep a check on my Home accounts, found it easy to use [which is what I need] but now MS Money is no longer available. Tried a couple of alternatives but found them difficult to get to grips with, can anyone suggest an alternative which is easy to use. Thanks.
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Charging Orders
I am looking for help with regards to the payment of a Charging Order.
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Flex pay from EE- wierd
Hi Just a quick one but with EE they seem to now offer 'flex pay' which is you have a DD for the phone and a DD for the plan. However the default option is for the phone to be on a 36 month contract and most plans are 24. Meaning after 24 months you can upgrade the plan but not the phone? I bet people will not realise this…
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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…
