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Does anyone know where to find the API on the Ryanair app?
Does anyone know where to find the API on the Ryanair app? After booking and paying for my flights on Ryanair, they then decided to change the terms and that I can only fly if I use the Ryan mobile app. I have installed the mobile app and it has scant information about my flights. I have just read that I must complete the…
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UFPLS regular automatic monthly payment possible?
Triggered by a recent Diane Sullivan video - warning that some providers aren’t flexible with UFPLS and often FAD is simpler as its a more embedded setup in slow moving pension providers. I don’t know that I’m needing to take a monthly withdrawal but I’d like the flexibility to choose. But trying to understand how the…
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[LTD HMRC] Closure of the service to file your company accounts and tax return?
Hi All, HMRC is dropping the online filling service. This is their justification which I don't buy as how their own online form cannot meet modern digital standards and they push everyone to use proprietary software? Unless there is something free/open source I could use. They introduced this service like 14 years ago not…
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Government control of pension pots
Lots of headlines today (and paywalled stories) about the government 'grabbing control of our pension schemes' If true how will these powers affect the average person in a company DC scheme, will it affect existing contributions or just future ones? Are we exempt from any powers if we've opted in to something other than…
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Shawbrook Bank - Ignores undelivered maturity emails- assumes you've received them.
I've just been reviewing my savings accounts and found 2 cash ISAs that had matured back in Jan 25 & Feb 25 but where I haven't received any maturity communications (either by post or email) No letters or emails offering me any options like they've normally done over the many years I've saved with them. I went online and…
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Monthly or Annual Interest Accounts - Increase in interest tax April 2027
What are peoples thoughts when opening saving accounts at the moment with Monthly or Annual Interest due to the increase from 20% to 22% in Savings Tax from April 2027? Opening an account now with Annual interest pushes all the interest earned into 2027/2028 tax year now. But with an account today with Monthly interest…
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Loveholidays: Statutory Termination (Reg 11) for 9 pax – Refusal to provide alternatives and current
Hi everyone, I am looking for some insight or to see if anyone else is currently battling loveholidays over a similar breach of the Package Travel Regulations 2018. I have a party of nine passengers across two bookings ([Some text removed by Forum Team]) with a departure date of 28 April. The Situation So Far: • The Flight…
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Napier Parking - BW Legal Defence Paragraph
Thanks for all the information on the Newbie thread - it has been very helpful and has made me feel comfortable to challenge further! After 18 months of silence from BW Legal I have had a claim form through for a PCN issued 2 years ago, I have filed an AOS with the dates below: Claim Issued: 03/07/2025 AOS Submitted:…
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Scottish Halifax Accounts Changing
Just a heads up, it looks like LBG are doing some housekeeping with regards to Scottish Halifax accounts. I received a letter today informing me that , because my Halifax Reward Current Account was originally opened in Scotland (about 30 years ago, and has been my main account ever since), it's changing to a BoS vantage…
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Cynergy 1Yr Fixed Bond Maturity Interest Query
My bond matured today and the account shows the initial amount invested however it doesn't show the interest which should have been added. I've seen previous posts/comments on here which says that the interest doesn't usually get added until 7pm sometimes next day. Is this correct? I wanted to transfer it to a regular…
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New Business Startup Questions - Business from home
I’m in the process of setting up my small business which is home based baking and catering for small events. It’s an idea I have been brewing for a few years now and I have practiced with baking various things (always enjoyed and been good at basic baking) and have been practicing cake decorating techniques and taking my…
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The new GOV.UK One Login
Having been involved in self-employment, business ownerships, partnerships etc., I have several Government Gateway emails and logins appropriate to each. The new GOV.UK One Login seems to be encouraging just one login, although depending on how it is introduced and presented, it seems that you can end up with more than one…
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Conveyancing and water pipes
I'm in the process of selling my parent's house which has been in their possession for over 50 years. All searches have been done and the buyers solicitor has come back with this: “We cannot see the title refers to any rights for the benefit of the Property to connect to, use and access the mains water pipe in the adjacent…
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How to sign if you can't sign?
A close friend has asked me to help them prepare powers of attorney as I have recently done them for us. The problem is that he is now severely physically disabled and cannot use a pen to sign anything. There is some arrangement in place that allows a family member to sign cheques etc but this is limited to the one bank -…
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Old Style Daily Tuesday 21 April 2026
Good morning everyone.
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Loan to sibling for house purchase deposit....
My sibling has asked for a loan, to go towards a deposit on a house for family - long time renters. Their proposal is to pay back in 12 months, which I think they may struggle with, with a new mortgage (but maybe not?). However I am keen to help, but I have my own family to keep in mind too. I am thinking (I still need to…
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Where to focus - mortgage, renovations etc?
Hello, My partner and I bought our first home together last year (we're late 30s, and both had homes of our own before). The mortgage is high, but it's a forever home and we also only put down a 15% deposit so as to keep some cash back for renovations. Although we have a lot in savings, we've found the cost of materials,…
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Are there alternatives to Direct Debit for monthly fees?
I’ve noticed that some monthly payments (like gym memberships or subscriptions) are still taken by Direct Debit, but they don’t always go through smoothly and can lead to missed payments or extra hassle. I’ve heard a bit about newer options like Pay-by-Bank or Open Banking payments and wondered if these are being used more…
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Seeking a trustworthy, affordable accountant – London preferred but UK-wide fine
Hi all — I've been a member of this forum for over a decade and have always found it genuinely useful, so I hope you'll forgive me for asking here directly. I'm looking for a reliable, affordable accountant. I run a one business which I am looking turn into a limited company and have been self-employed for over 20 years,…
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Early Closing of Saving Fixed Bond
I was reading the Sunday Times Money section and was amazed at an unfair tax rule so am putting it here so those closing a fixed bond early are aware of it. Apparently if you close a bond early the loss of interest you are charged cannot be offset against the interest you would have earned if you kept to the full term.…
