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How to guarantee a letter gets to HMRC !
I have now used Royal Mail three ( yes three ! ) times to try and get a letter to HMRC The first two were signed for but when I checked the tracking neither left the actual post office !. I got my £4 back but thats not the point the letter was important ..so this time I sent it guaranteed delivery next day which cost me £8…
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Retirement plan geared to sequence of return risk, what to do when portfolio is rising
We are possibly 2 years off retirement (when I say we I mean OH) however OH may continue beyond that in semi retirement depending on work offered (self employed with 5/6 sources which are unrelated to each other). I will have SP in 1 year. We have 3 small DBs in payment £14.5k. There is a cash/nr cash fund to cover OH’s SP…
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FAS/PPF Beneficiary Nomination
I expect everybody affected will have received the email but, just to advise, those with pensions with the Financial Assistance Scheme (and presumably also the PPF) will have to redo their beneficiary nominations due to a change in their system. I had already uploaded our marriage certificate ages ago, but I had to do it…
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O/S Daily Wednesday 30th July 2025
Morning, back soon.
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PayPal removed my buyer protection
I received an email from service@paypal.com a few days ago basically giving me a warning that my account has been flagged for opening too many cases with them. Yesterday the current case I have opened was closed in the sellers favour. Reason - “buyer not eligible for buyer protection”. This is despite me providing a crime…
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(Very) Old O2 PAYG SIM Card
Hi, I have received the following message from O2 on my (very old) backup mobile phone: "Hi, We've made some updates to our network & unfortunately
we no longer support older SIMs. To keep you connected, you'll need to switch
to a new SIM. Pick one up from your local O2 store (photo ID required) or
contact us on 4445 from…
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Solicitors (again!)
Hello, it's me again with Will Executor Blues - will it ever end?!? Back at the end of March I moved from Sols.No.1 to Sols.No.2 because I couldn't take it any longer (those who've read my previous posts know the story). The stress was reaching unsustainable levels. I thought best to move to Sols.No.2 who had originally…
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British Gas Smart Meter and now massive hike in bills
We were more or less forced into a British Gas Smart Meter a while back and since then I feel our bills have jumped a lot. We inherited a pre payment meter on Electric but I'm not so worried about that one (could really do with asking to swap out of this). But the Gas bills seem way off suddenly. In May I received a bill…
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Sold!!! Thank you :)
Hello. I'd just like to thank all those who replied to my posts and my newbie seller questions. The property of my dear latest B. sold at exactly my asking price of £325K. It was all rather nerve wrecking (and hard work!) as I thought that the buyers might have wanted to negotiate to a lower price; but it did not happen.…
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DRO
Hello, my first post here 😊 I’m currently in process of going through my DRO application, long story short I lost my partner 4 years ago and I’m a single dad to 5 children. I had to leave work and past 3 years I’ve struggled and my financial situation has gone worse, I’ve never missed a bill up until past 2 months I went…
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Are EV and ToU tariffs unfair to other electricity customers?
I have started this thread to respond to a comment on a different thread ( Martin Lewis: Standing charges update risks households paying more) without taking that thread off topic That is an interesting (and valid) point. Ultimately if every individual optimised their consumption to achieve the lowest import price on a ToU…
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Here's to the Fools Who Dream
I will be 60 on March 2nd 2026 and I am an old fool who is dreaming that the best is yet to come! I loved the film La La Land, always felt this song was about me ....... The Fools Who Dream (Abridged Version) "She captured a feeling A sky with no ceiling, the sunset inside a frame .... A bit of madness is key To give us…
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Sharing my experience of Dynamo Cover ltd insurance products
Absolute shambles of a company. Their policy documents refer claims to a third party company who have no access to policy numbers so were unable to deal with a claim. Their telephone number is automated and after directing you to an online portal it automatically hangs up the call. The online portal didn’t recognise my…
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I can't open a document on my Mac (Pages) when I export it to a PDF document
I want to attach the document to an email (gmail) but save it to my computer NOT to the google gmail account In hope someone can come along to guide me. Thank you
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Civil Service Pension advice
I've struggled to find an adviser who knows about Civil Service Pensions so I thought I'd try posting here to see if anyone could help. Having turned 60 in March, I decided to apply for partial retirement. This was approved and I've now received my pension quote. My plan was to reduce my hours by 40% which would reduce my…
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Who is responsible for a shared rainwater drain for terraced houses?
I share a single down pipe and drain with 2 neighbours (I’m in the middle) for the rainwater collected in our respective gutters at the front of our terrace. We believe it connects to the sewer in the road. The down pipe and drain sit between mine and “Fred’s” houses. “Paul’s” gutter feeds into them. Fred and I have…
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Help with a drainage issue?
I'm after some advice on a drainage issue we're currently suffering. I've knocked up the below plan to try and help explain things: (Downpipes are in blue, as is the land drain in front of the garages. The land drain discharges into the green below-ground line, which connects below-ground to the neighbour's rear left-hand…
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Elvis Evolution
There is an 'immersive' event in London called Elvis Evolution that has been making press headlines for all the wrong reasons. The general consensus of opinion is that it is an expensive and appalling waste of money. I have two tickets for this at £75 each and like a lot of people want a refund. Unfortunately, tickets are…
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Zopa Biscuit Account - Direct Debits
I currently have a Zopa credit card and a Zopa car finance loan and I saw that they were bringing out a current account that you can earn cashback with on direct debits. I thought I'd open a Zopa current account and use that to pay all my direct debits each month to earn the cashback, my biggest one being my car loan, with…
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Late in reporting changes
Hello, I get RSU vested quarterly from my company I work for. In May, I got some RSU and it was reported to HMRC by my company in June. The amount of RSU I received in May exceeded £6k (less than £16k) and I didn't sell those RSU. There is a restriction on when I can sell those, usually in each three months, there is an…
