-
CS Alpha - early reduction factors
I've been looking at what I think are the reduction factors for taking Alpha early: Factors Guidance Hub | CSPS_GB My NPA / SPA is currently 67. I have also been buying EPA -2, but not for the whole duration of Alpha, so I will have two parts with different nominal retirement dates (age 65 and 67) but which must be taken…
-
Trading 212 - what do we think?
Hi all, New to the forum so please be gentle with me. I want to invest in a cash ISA (haven't used my allowance up for 24-25 yet) and I am seriously considering Trading 212. I've used Shawbrook Bank and Charter Savings Bank in the past and had good experiences with them so I'm not new to online accounts. I know Trading 212…
-
replacing fence panels - what should it cost?
Hi All, I'm looking to get one side of my garden fence replaced. It's eight and half 6 foot wide panels currently, but they and the wooden posts are crumbling so I want to replace with concrete posts and new pressure treated panels. Any thoughts on the cost of this? I've had one quote and I'm surprised by the amount, but…
-
Debts and DV
Hi, it’s been a while since I’ve been on here but I really need your help. i have recently ended my marriage which included physical, emotional and financial abuse. I have been in contact with CAB, they say it will be hard to get any write offs due to financial abuse but they will try. My husband was in and out of work and…
-
Retirement Planning
The 'Savings & investments' board have suggested to post here and have edited this post. I am nervous about investing but need to get on with it. I have 12 years till SP age, an old work pension worth about £100,000 and a separate pot of savings to last till 12/2030 with no debt. My current spend all in is about £30,000 pa…
-
What sort of concrete/mortar do I need?
In a bid to out wit the feral gangs of thieving squirrels round these parts, I'm hoping to make some pebble mosaic tiles/slabs to lay alongside the length of my garden paving stones just to cover a very narrow - approximately 9-10 inch - strip. The strip boundary has the paving slabs on one side and the gravel board for…
-
Section 75 Help - Fraudulent item
I bought a Tag Heuer watch as a gift in 2023 it was still under the original warranty and was bought from an online watch shop. It came with all warranty documents, all the tags, stickers the works. The warranty also was registered with tag confirmed on their now defunct (because it was worthless) warranty checker. It was…
-
Contradictory Questions and Final Policy Document buildings insurance
I took out a policy - the usual questions asked about the building history (over the last 25 years). Questions such as - any flooding in last 25 years, underpinning last 25 years etc. I've owned the property for over 30 years and nothing like that has happened since I've taken ownership. The building is over 100 years old.…
-
Credit balance refund and billing mistakes
I'm with one of the big energy suppliers, on a dual fuel dd standard rate, have been for about 5 years. At some point a few years back there was a misreading with my gas meter reading (must've been me, since I've not seen a meter reader in about 10 years). It was an over read, so I got billed for too much gas. Never…
-
Using Chase as donor/dummy accounts for Current Account Switching
Small trick I discovered if you want to create some dummy accounts for Current Account Switching to get the switch premiums. 1. Open a bank account with Chase through their app2. In the app, open a second account3. Link the debit card with the second account4. Use that second account as a donor account for your Current…
-
Sale of property in IPD trust
Hi all, Mothers property left half to brother and half to me. However my half in an IPD trust until he passes. He is in care home and now looking unlikely to go home. His money is running out and the property will have to be sold. I am aware my half has to be invested until he passes with him getting the interest but not…
-
MF by Christmas 2024 - let's do this!
Hi everyone, I’m taking the plunge and starting a MF diary as DH and I
want rid of the millstone around our necks. We both work full time and are currently supporting DS2 who
is in year 2 at uni. DD finished uni in the Summer and has a temp job so we aren’t
charging her rent atm. DS1 lives with his GF so they are…
-
Rail Split Tickets (Trainpal) - What happens if one train is delayed?
Hi all I'm thinking to use a Trainpal ticket that will require 3 changes. Each leg is a different train company. Just wondered what happens if say the first one was delayed meaning I was late for the second and third? Many thanks
-
Drowning in debt, please help with next steps.
Over the last 15 years I have made bad decisions which has led me to nearly £90k worth of unsecured debt. Huge chunk of this has come from investing in a business which did not do well at all, I am now struggling to meet the minimum payments. I have around £90k of unsecured debt spread over 8 credit cards ( 5 of them are…
-
Unsure if I should appeal my council tax banding decision
I purchased a two bedroom cottage last September. As part of the conveyancing process, my Solicitor suggested I should challenge the band (it’s an E). I did this in November and received a rejection today. I feel slightly out of my depth and am not sure whether to appeal or not, but I struggle to understand how larger…
-
Voluntary termination delayed collection
hi clever people I have voluntarily terminated my PCP with BMW. They have confirmed this in writing and state to wait for arrangement of collection of the vehicle. My question is, our next months payment is due on Friday. If they don’t arrange to collect the car before this date, will the direct debit be taken again? Are…
-
Fixed term annunity or drawdown
I am 59 and looking to retire at the end of May when I turn 60. I have a DB scheme which I intend to cash in early foregoing the lump sum in favour of a higher monthly income. I also have a DC pension with Aviva of £148000. My intention was to buy a fixed term annunity with £100k (with a lump sum of £35000 on maturity)…
-
Another Resolvecall issue
This discussion was created from comments split from: Resolvecall letter.
-
Plan after death for those without family
Hi. Sorry to be morbid, but I am on my way to 50 and been thinking about what I should do regarding my will etc. I have no children and no family left, so do not know where to start. I guess I would like to leave my house etc. to a good cause, it is horrible to think all of my stuff will just be sold or thrown away. It is…
-
Moneycarers.org.uk
I am so disappointed and upset that this company is allowed to take all benefits and income and then decide whether or not you can have extra funds for electric or petrol. I have found they don't respond to emails or messages left on app I am supposed to get an allowance on a Monday but very rarely is it available in the…
