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Financial assessment for care
My dad who is disabled and immobile is having private care in his own home. They go four times a day, he needs two carers in the morning and two at night and one the rest of the time. He did have £100,000 but now down to £30,000 as he has had to pay for his own care since January 2025. We are still waiting for allocation…
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Suspended PIP payments
My son'son's pip payments have been suspended for over 3 months now. My wife is his appointee and she has chased this repeatedly. He is a child still He lives in a residential placement for the week, this is funded by social services and from what we uunderstand a part papayment from NHS continuing care (not continuing…
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Pension advice
I got a pay rise in April and want to start putting the extra amount I get a month into the pension I am paying into at work, if I add extra money in manually will I still get tax relief on this money or do I need to get my employer increase the amount I pay in via my wage to get the tax relief? Many Thanks for any help
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Endoscope Camera
Wondering about buying one of these to help see into confined spaces - mainly dry ones, like under and behind kitchen units, under floorboards etc. Places where I can't get my camera in to take pictures or record video. Anyone found good ones that will work with a Moto Android mobile phone (a bit old now) or the latest…
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Can You Sense Check This - Optimising Tax on Pension and Savings
I would appreciate some feedback on this plan, to understand if it is a good approach to minimising tax. I have recently come into a cash windfall due to a DB PCLS and generous redundancy package. With a bit of additional personal savings this all adds up to £450k in cash and is sitting outside of any tax wrapper. As I am…
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NFU Home Insurance - Help needed!
Good afternoon all I hope to seek some advice/help regarding NFU home insurance. Following a rejected claim based on a claim in Nov 24 for a partially collapsed front stone wall, the NFU then ‘cancelled’ our home insurance and wife’s car insurance policy, giving two weeks notice based on having had too many claims and…
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FLEXIBLE STOCKS AND SHARES ISA
Are there any on the market?
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Winding up small company which has been dormant for several years but still has Director's Loan o/s
About 15 years ago after retiring I set up a Limited Company to put through my very small amount of consultancy work. And by small amount, I mean just that, single figure thousands. I set it up as a Limited Company rather than as a sole trader because it was more glamorous to be a director of a Company. A rather silly…
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Nationwide/Reach Out letters
Hi, I’ve had 2 letters regarding my nationwide loan that I’ve not paid since November 2025. I’m still waiting for it to default. I added the letter from Reach Out below. I know the advice is to not engage, however, as I’m waiting for an answer on write offs due to domestic abuse, I’m unsure if I should speak to them…
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Issues with Verification for Limited Companies on Vinted Pro
Hello! I'm posting here as I am having issues with Vinted Pro. I got approval quickly to sell on Vinted Pro however now I've hit the payment threshold I need to get verified for myself and my business. After over 20 attempts and over £8,000 being held by Vinted I am getting quite frustrated with the process. Wondering if…
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Bank Account Access for an Appointee whose recipient lives in Care
Morning, I work in care and have a number of individuals whose parents act as appointee for the benefits, this is not a question regarding the use of the money, this is looking for help with banks that will help the appointees open a bank account and give the individual we support a debit card, so that we can support them…
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Dodgy ebay sellers!
So I ordered a phone case on 17th May with free next day delivery, when it did not turn up by 20th I complained and now another one has been ordered by ebay and the delivery date is 10th June! The seller says I should cancel but when I tried to cancel but cannot as it is marked posted. How can an item be posted already for…
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ebay- buyers 'shopping time' after one purchase.
I've noticed a new thing on ebay (this is on my private account), it appears that buyers can add things to an order if they use Simple delivery. I thought the first time I saw it it was a glitch, but it's just happened again. Buyer offered on something and I accepted, item was paid (possibly under immediate payment…
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CCA Request
I have paid down all my debts over the last 18 months but have 1 remaining that keeps going round in circles. It’s been through at least 5 different collection agencies, each time I request the CCA, it gets put ‘on hold’ and then I hear nothing, until another agency gets hold of it and it’s a repeat process. I’d kind of…
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Mortimer Clarke Solicitors / Cabot
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Query about neighbour fencing attached to our property...
Quick one, so my partner has a double garage and then there is another garage belonging to the neighbours, between the garages there was a double parking bay which was his parking area. A few years ago he approached my partner to ask if he could attach a fence to her garage so basically they could then extend their garden…
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Managed Freehold Property, Resisted as Both a Freehold & Leasehold
Hi everyone. I would be grateful for some property advice. I am currently looking at a one bedroom mews house property and on the HM Land Registry it is listed as both a Freehold and Leasehold. The Estate agent describes the property as a Managed Freehold. How does a Managed Freehold status affect your legal rights to the…
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Car Park Breakdown.
At around 5.15pm my can handbrake stuck on. It was in a G24 Ltd managed car park with 90 minute parking limit. It was almost 11pm by the time the correct recovery truck arrived, but that's a whole other story. It left the car park on a flat bed truck, but fully expecting a pcn at some point. I have call times for recovery,…
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Court Parking Charge Money Claim
Hello all, I am looking for some advice in relation to a court claim i have received in relation to a parking charge from 2023. The below are the particulars of the claim: 1. The Defendant (D) is indebted to the Claimant (C) for a Parking Charge (PC) issued to vehicle **** *** at [redacted locstion] 2. The date of…
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URGENT question -
Out of the blue on 9th May I received a letter from DCBL Direct Collection Bailiffs Ltd dated 5th May and giving me 14 days from date of letter to pay. This was terrifying! It demanded £465 in unpaid parking charges. These date back to 2023, all at the same mega-Sainsbury's car park, one a month over a 3 month period…
