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Want to move, but to avoid being in a chain I want to remortgage so I have the full cash available
I've tried looking online for this scenario, but only seem to come up with Buy to Let advice. I'm fortunate enough that I may be able to pay off our mortgage soon, but I also want to move house in the future. What I want in regards to moving, is rather than getting into a chain and all the chaos that comes with it, is to…
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BW Legal chasing NTC PCN. Ultimately driver's fault - do they have any defence or should they pay?
Hi guys, Sorry in advance for starting a new thread, however I am struggling to find information to help my specific situation and wondered whether anyone may be able to offer any advice on what steps I should take next. Around 18 months ago, I was issued a Parking Charge Notice by NTC as the driver of my vehicle had…
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Defence against G24 / DCBL
Hello, thanks already for the help so far, I've used many steps already in battling this nonsense, now it's time to defend! Claimant is G24 represented by DCB Legal Background - DCBL are taking me to court for £333.84 for "exceeding the maximum duration of stay", in a Homebase carpark in 2019 !?! Pursued as keeper. Is it…
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£30 voucher for opening Santander Everyday or Edge account
Credit to @goatfaced for bringing this up in the 123 Lite thread. https://www.moneysavingexpert.com/banking/compare-best-bank-accounts/#santanderedge Filling the form in results in a 'Something went wrong' message for me on Safari, but in Firefox it worked just fine. Closes tomorrow. New & existing customers. No switch or…
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Help with Defence
Hi all, I have been avoiding a parking fine for over 4 years now and have finally been issued a claims form. I was honestly thinking of paying it as I feel like I don't have the mental capacity to deal with writing a defence and the possibility of court, but I really can't afford it. I've read through the newbies section…
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Toluna pay out
I've recently tried to redeem 55000 points on Toluna but nearly 2 weeks later it's still showing as processing ? I'm not sure it normally takes this long but I could be wrong ?
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EE Compensation - advice required on active fault (Major Service Outage of 6 weeks and counting)
Hi, Small rural community with a line fault to our new fibre service requiring an engineer to fix the cable/connections to a couple of properties. Local engineers don't/cant fix issue, ongoing for 6 weeks now and no fix in sight. Mobile signal patchy at best and too weak to stream, download, and even login to basic…
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MSE Forum poll: Do you still buy physical media?
Whether it's films, TV, music, books or video games, we live in an age where we can stream or buy our favourite media digitally. For many of us it's certainly convenient - we can access content wherever we are with just a few taps or clicks...unless the wifi goes down, or the platform decides to remove something from their…
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IHT and general tax in 2027
Hi not looking for advice just
some facts. This
relates to the new IHT on pensions coming in April 27 as well as
general taxation. 1.
Will I still be able to pass my pensions and savings to my wife
without any tax or IHT being applied if I die before I’m 75. 2.
Am I correct in thinking that ISA’s will be included for IHT…
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Failed to update keeper's address on V5
Hi all, I've looked at the newbie's thread but it doesn't mention this situation. I recently separated from my wife and moved to a new county. I parked in one of these places and did not receive the initial letters bacause in all the mess I forgot to change the adress on my V5. I have been suffering from mental health…
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best tariff for only 200 mins a year
I am currently on Tescomobile Lite at rate of 8p a minute say £16 a year. Tesco have texted me saying this tariff is ending What will be suitable for me?
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SPLITTING OF ASSET BETWEEN SPOUSES
I am a joint owner with both my sisters of a residential property that has been sold. One of my sisters told our accountant that she had transferred half of her share to her husband prior to the sale and the accountant opened a joint UK Property A/c for her and her husband to claim a second Annual Exemption Amount (AEA)…
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Court Claim
I have a parking space included with my lease, and I own 100% of the flat. In April 2024, I changed my car and received two parking tickets from UKCPM on April 4 and 8. I didn’t appeal on time because my housing association needed to update UKCPM before I could do so. However, I mistakenly emailed UKCPM directly about the…
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How do I explain my short employment and long gaps due to mental health?
I'm 31f, I've suffered with mental health problems since I was a child, gone through all different types of help, and had lots of temporary ups and massive lows. I managed to get through university with a first-class honours degree nearly a decade ago, but in a creative course that focuses on television. It's kind of a…
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Understanding HMRC repossessing ex's home impact on my charging orders and ongoing arrears
Apologies if this is the wrong part of the forum. I'm trying to understand at what stage I get officially notified by HMRC or the Courts as my ex has been declared bankrupt and HMRC are applying to the Court for an Order of Sale for his house, which he owns but his current wife has an interest and I have 2 charging orders…
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I'm addicted to pension saving and it's leaving me short.
Hi, I can't remember if I've posted something similar but here goes. I'm 47 and like a lot of people I became more serious about retirement planning as I approached 40. I don't earn a massive amount and its unlikely due to circumstance I ever will. After the September inflationary pay rise I will be on £39,970. My wife is…
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Link bank accounts to Clearscore?
I've been using Clearscore to track my credit rating but I'm curious if I should link my two bank accounts to it? I'm wondering if there are any reasons not to? Does it give you access to better deals when it comes to loans assuming you are not in debt at the time?
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Heathrow missed deadline to appeal
Hi all I was away and missed the deadline to appeal to APCOA re a PCN at Heathrow On a thread by ‘troublemaker22’ it says: where the appeal time limit has expired, write to APCOA with the standard keeper appeal. However it won’t allow me to do this as it says PCN not found. I also received a letter Debt Recovery Plus…
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Parking&Property Management LTG
Hi I received artached leeter, please advise how to proceed? (Image removed by Forum Team)
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Struggling with debt? Ask a stepchange debt adviser a question
If you need help with your debts, this is the thread for you. This is a new thread, as the old one was getting a tad long. Trained advisers from StepChange Debt Charity are here and waiting to answer your debt questions. They're a friendly bunch so please don't be shy! There are three ways to get in touch: 1 - Simply post…
