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Registering Business and Keeping Details Offline.
I'm starting up a very modest small business from home later this month as sole trader. As my home borders some insalubrious properties and areas I need for my business details to be kept offline. I'm concerned when I register my business with HMRC my details might be online. It would pose a security risk to my property. I…
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Court Stage - DCB Legal (EuroCarParks)
Hey! Thanks for taking the time to read. I've been through loads of threads on here doing my research, and I'm hoping that with your help, I can beat the robbing g**ts DCB Legal regarding a parking fine. Firm: DCB Legal Client: Euro Car Parks Breach: Staying too long in a car park I had, I now understand, ignored…
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Buy To Let or give up
We were sadly 8 weeks down the process of selling/buying and our house sale fell through, buyers personal issue. Estate agents for the house we were purchasing have given us 2 weeks grace to get another buyer. Not been the easiest property to sell so this is highly doubtful. We are totally devastated. What other options…
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Magnaclean or power flush?
Our 17-year-old Worcester Bosch combi boiler has broken down (both fan and pump need replacing), so we're looking at getting a new boiler installed. My question is: how important is it that we get a power flush done before installing the new boiler? The rads were last power flushed 17 years ago when the current boiler was…
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Southern Water - Assessed Charge Bill - Don't think it's right but they won't help
Hi everyone, I've been going around in circles trying to figure out my water bill and whether it's actually correct or not. After a pointless webchat with an agent who wouldn't give me any straight answers and an online call with someone who didn't understand my questions I am trying here. We live in what is classed as a…
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exterior self-levelling compound - how to get rid of pour lines
I have used Setcrete Exterior self-levelling compound to create a flat
surface for tiling my front path from street to front door. It went well but
there are some pour lines left over and one or two bumps. What is the best way to get rid of these? Should I do another very thing
layer of compound on top? Should that…
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Is this estate agents strategy sensible, or a bit mad?
I want to put my 2 bed, 2 bath, top floor flat (3 floors total) on the market. The main bedroom is east facing, and the living room and kitchen are south facing, so it gets lot of sun, and also has a big balcony. It's in South East London, and sits on the border of Zone 3 and 4. I paid £325,000 for it in 2020. I believe it…
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Travel company charging ATOL fee
I have never paid fee for my ATOL certificate. Doing a research, it says that the ATOL certificate is part of the package holiday and there is no extra charge for it. However, I've just come across a holiday package with Lumle Holidays with this message: The price will appear slightly lower than advertised when clicking…
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UC query
Hello Just checking this calculation I am awaiting my first statement. We basically moved into a HA property (from private) the day we applied for UC on a migration, and a new area I was on mixed IR ESA and CB ESA and had a lot of premiums added so was on ESA £328 per week, The new amount seems so much less. The private…
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Its like Groundhog Day....
Once again the press are saying Reeves will tax the 'tax free lump sum' Will they ever stop.... or Apologize for previous LIES???
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Restriction a
My partner has a restriction a on his title deeds. This was put on just before the death of his wife as they have 3 children and I'm assuming its so that if anything happens to him, that his boys will be entitled to half of the house. There is no mortgage on the house and he's looking to get a small mortgage for home…
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Current Account Switch Before Mortgage Application -- Bad Idea?
I'm hoping to get on the housing ladder in the new year, but I'm tempted by First Direct's current account switch offer. I've been with my current bank for 14 years. I'm also tempted to open a Virgin current account so I can take advantage of their 6.5% regular saver. Is this a bad idea as I'll be applying for a mortgage…
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Sold vehicle and the new owner has racked up fins with Horizon Parking
I sold my car on the 7th July and the new owner managed to get fined by Horizon parking on the 17th and 19th of July. I received a letter from the DVLA confirming the vehicle had been sold, but this is dated 24th July and does not reference the date of sale from the V5. In the appeal process Horizon asked for the name and…
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Has anyone had Gites de France come back with a claim for damages after you return from holiday?
Last week we were on holiday in a gite we have booked multiple years in a row. First time being in 2018. We love it, care for it like our home, leave it spotless and book again for the following year. This time we stayed my husband had a accident with a corkscrew which he dropped on the edge of the ceramic hob which…
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Completion of House Sale - Solicitor Issues
Hi All, My parents are selling their home for the first time and they had a tough time with their own solicitor throughout the process (unresponsive, no advice given, pressuring and uncooperative). Parents have exchanged contracts and have just about secured a date for completion tomorrow (Friday 22nd August). The…
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Stocks and shares ISA transfer live overseas
Hello everyone I’m new so please forgive me if I make any errors. My child has an old child trust fund in cash and I have a cash ISA returning a very poor rate. Is anyone aware of a stocks and shares ISA that we can transfer to? I have a stocks and share ISA I could maybe transfer mine into but can’t find anywhere for the…
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Inheritance tax allowance
Can somebody please advise me? If a widow with no children or grandchildren, who inherited her late husband's IHT allowance, then dies, leaving her estate to nieces and nephews, what will her IHT allowance be? I'm assuming £325,000?
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How will it affect
My 27 year old daughter wants to move back home as her marriage has broken down, im currently on universal credit as my partner died suddenly, im at home with a 6 year old and a 10 year old, i know i would lose my council tax benefit but would i lose any other money if she was just paying towards bills ? The council wont…
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Vodafone continued charging my Pay Monthly after I moved to PAYG
My Vodafone Pay Monthly Contract ended 9th July 2024. I asked them to move it to PAYG. On 13th August 2024 my PAYG Simply plan was activated and I was buying their £10 Big Value Bundle, each month. Then this year 2025 we were planning on moving house all was going well when we got a call from the back saying we had…
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LGPS Scotland - Ill Health Retirement
Hi all, newbie here, so go easy on me ! If I can, I'd just like to gauge the thoughts of anyone on here who has some knowledge of LGPS Scotland and their Ill Health Retirement process. My wife is 58 on her next birthday in February. She has been an employee of the Local Council working in the pre-school nursery environment…
