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Selling a rental property that was previously shared ownership and CGT liability
Hi, I'm trying to work out the figures I need to use for working out CGT. My friend and I purchased 5 rental properties a number of years ago. Following a change in our circumstances, we split the properties and I took out new mortgages on 3 of them. They are listed on the land registry with the original selling price in…
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Switching stories
Hi all, new to forums so not sure if this is the right place but I'd really appreciate some guidance on how to fix situation. Last month I decided to take control of finances and applied for and received a new credit card with 0% to pay off old HSBC credit card debt. All went well EXCEPT that after the balance had been…
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Neighbours garage construction
I’m not sure if this is the right chat for this question and it’s my first time using so I apologize if I have it wrong but desperate to get some advice. A few years ago my neighbour had their garage converted to a bedroom. No problem council signed it off all seemed ok. However I have just drilled through my wall to put a…
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Grant of Confirmation
Hi, I’m trying to fill in the form for Grant of Confirmation for my dad’s estate (C1). I’m trying to do this on my own without a solicitor. I think I understand the main issues, it should be such a simple situation, but what exactly to put on the form is driving me crazy :mad:. Would be grateful if anyone could help.…
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HSBC FTSE 100 Index Tracker
Hi, Is this a reasonably simple thing to set up? I’m looking for long term lowish risk investment. I can’t actually find much about it on their website which doesn’t seem to bode well. Thanks in advance
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Has anyone ever put their house up for air B & B and then just went travelling?
Staying with friends, in other air b & bs, hotels, go on holiday, etc..
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Old Style Daily Monday 03 November 2025
Good morning all.
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PCN - Basepoint Gosport - DCBL
Hello I received a bailiff collection notice for £170 for a pcn from July. It happened during a house move and they have been sending to an old address all pcn notices inciting NTK. I've requested my details updated and sent them an email disputing the charge. They won't let me dispute on the website as they say it has…
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Sealed Pot Challenge ~ 18
PLEASE READ THROUGH THE RULES AND THE CHANGES FROM NOW ON! A very warm welcome to another Sealed Pot Challenge, our 18th! Due pto the Cost Of Living, I suggest we all save in the best way possible for each of us: if some still prefer to stick to cash, then please do so. Those wishing to use debit cards, or save via the…
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Zopa Current account
I just logged into Zopa and it's offering current account states beta. Not available to everyone yet. Had anyone applied, any issues/reviews. Do they carry out full credit check or soft checks. Thanks
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isa question on upcoming budget .
I know we are guessing but i will ask anyway . With the rumours isa tax free allowance is to be cut by half will this apply to new isa savings only . I have 40k in a 3 year fix which ends in may 2026 and another 60k in a 3 year fix ending april 2027 . All being well i would like to transfer to new isa accounts after these…
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When to clear/shift balance
New to this, interest free period ends 6 Mar 2026 - when should I apply for another card if I want to shift the debt? Or if I want to clear the balance is it just a case of making a payment a few days before 6 Match? Thanks
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Lloyds Ultra Credit Card
Just seen that Lloyds have released a new Cashback CC with both no FX and 0.25% cashback. https://www.lloydsbank.com/credit-cards/ultra.html What are people's thoughts in comparison to the Barclaycard Rewards offering that is so often discussed around here?
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Advice for Defence for overstay at private car park - Gladstones
So I've used the extra wording template with the links to cel v akande etc for this case as its with Gladstones and the POC is so vague simply saying 'was parked in breach of terms of parking on the signage'. Now this was almost a year and a half ago so in all honestly I can barely remember the details but think the…
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Mobile phone for an 82 year old
My dad is considering getting rid of his landline with BT, he's paying around £18 line rental a month and makes a call maybe once a month. He is open to getting a mobile to replace the land line, but it needs to be as basic as possible, having done a bit of research, DORO seem to fit the bill. But as he's never had a…
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Looking for advice gift from work
My dad’s company received a key man life insurance policy after he passed away. They have said they’d like to give the family some money from this. I am looking to find out if there are any tax implications for this as it’s a gift, but not from his estate etc.
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Crypto
Have read a few comments on here and TrustPilot about the £200 investment in Crypto and GCW Management Ltd. Regrettably my experience is like so many others and my link to a so called Financial Advise was obtained through this website which I know now was AI generated, so no disrespect to you all. I had no reason not to…
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Do Banks Pay Interest On Executor Accounts
I don't know if I should be posting my question here or on another MSE forum board, I will try here first. I am Executor for a relative's estate. Because of various issue I cannot distribute funds to the beneficiaries of my relatives Will for a few months so they are sat in an Executor account I have opened with a high…
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Healthspan Codes Thread (no chat)
Shiny New Healthspan Codes Thread. To keep this easy to follow and to help those subscribed, can we please use this for listing current codes. Please avoid ‘code worked’, ‘code didnt work’, ‘any new codes’ https://www.healthspan.co.uk/ old thread…
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Cabot advice
Morning all my halifax defaulfed a year ago and been paying cabot £20 a month. They have written to me to say they want me to do a budget again to try pay more Do i need to do this? I have offered to pay £30 now but there still asling me to do a budget thanks all
