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Preparing for moving to withdrawals. Help to simplify, consolidate and avoid tax traps
Hello. I am hoping that someone can help and advise (in the non technical sense) regarding starting withdrawals on investments. I am 66 years old & am asking about a SIPP currently held with Best Invest and valued at about £150,000 and an S&S ISA with Iweb valued at around £250,000. These sums have been accumulated over…
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Car insurance for a learner
Our youngest has passed her theory and awaiting her full test, we'd like to get her insured on her grandmother's car so we can practice with her, this car will eventually become hers when she passes ( she doesn't know this yet ) Am I best getting her insured as herself, telling the insurance company it's her grandmother's…
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is this an excepted estate
I was hoping I could avoind filling in IHT400 and just go straight for C1 as there is no inheritance tax due after Dad's death. However now I am not so sure about filling in the IHT form, I am certain no inheritance tax is due. Dad's will leaves everything to Mum. House deeds unfortunately has no survivorship clause,…
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Right to cancel order due to delay
12 weeks ago I placed an order for a new double glazed front door. The surveyor made the measurements and I signed the order form. It was suggested that the door would be installed after 6 to 8 weeks but this was not in writing. No deposit was taken. No copy of the order form or Ts&Cs has been provided to me. After 10…
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New lease issued but old lease not rescinded
A friend's purchase is held up over a problem I have not come across before. Apparently, a new lease was issued some time ago, but the previous lease was not cancelled. I'm not sure why this is such a problem, as it is obvious that the new lease was meant to replace the old one. Nevertheless, it has held everything up for…
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C1 inventory money from US pension held in London
Hi Here is an unusual one. My Dad died recently and I am trying to fill in the C1 form. The final one I want to check is the pension payment he received from the USA via Bermuda. His final payment was transferred from Bermuda to OFX (money transfer people) in London before he died, but he was in hospital and did not…
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Work capability dismissal or resign or ? help me make a decision
Iv been off my job since 31/03/2025 with fit notes given to employer and esa, im waiting for a work capability assessment phone call in order to put me into a work group tier, i have been on and out of hospital getting multiple scans mri's ct scan ultrasound brain scan etc, my current employer now wants me to make a…
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Back billing, Are you eligible?
We see a lot of back billing threads here is there a guide to whether you are eligible or not as we get a lot of crossed information so what is the actual truth of it all? Here is the ofgem information but from other posts here it's a little more nuenced than it first appears…
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My bank doesn't want my money.
I wanted to pay £10,000 in cash into my bank and they said no, I would have to make 4 trips on seperate days and I live in a rural location miles from the bank so stuff that. I seem to be stuck with it , back under the mattress it goes.
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Old Style Daily Monday 25 May 2026
Good morning
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Inheritance Tax
My wife and I have a property in joint name worth about £800k and she has savings in bonds , ISAs etc plus cash worth about £500k. In the Will I will be inheriting whole of her assets if she dies before me. We have a Mirror Will. Will I be liable to Inheritance tax as her assets will be worth £900k. Kind regards Ash
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Temu Selling
There's a growing number of UK based sellers on Temu. I initially started because someone was selling copies of my own brand products on there. I had them removed and saw they'd had sales so went for the "if you can't beat them join them". It's for pro sellers so quite a tricky process to get on there to sell products and…
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Make Do, Mend & Minimise
With the cost of living showing little sign of easing soon, I thought I'd start a new thread for this. I'm sure many of us are trying to be as environmentally friendly as we can be as well as stretching our budgets as far as we can. I'm putting together a To Do list towards this end and will publish any achievements as and…
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What to do with money left to grandchildren who aren’t old enough yet
Hi I wondered if anyone had any advice please regarding my Fathers will who sadly passed away two months ago. He left some money to his grandchildren and stipulated in his will they had to be 25 years old before they received it. One is 20 years old and one is 23 years old now. My Father was going to change his will last…
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Would this affect my Pension Credit
I am currently claiming Pension Savings credit and I get a small amount each week. I am considering applying to the Land Registry for a possessory title on a small piece of land I have used for the last 42 years. The land is unlikely to be worth much as it cannot be developed. It's only about 111 square metres, and access…
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Tax effective charity donations
My husband has died recently and I have started up a fund with a charity in his name, to which I want to donate £50000 over 10 years. I currently earn just under £50000, and have savings where the interest will push me into the higher level of income tax. My inheritance from my husband is below any level for probate or tax…
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Removing mud flaps
I’ve had problems before with the left rear mud flap half falling off whenever I’d drive over a bump. The mechanic put a bolt in the bottom attaching to the bumper to hold it on. But now the top clips have fallen apart again and I’m fed up with it so I decided to remove both rear mudflaps. Does anyone know what screwdriver…
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No return within parking rule
Hi all, I'm getting mixed info on this one. A sign says "4 hours free parking, no return within 1 hour" This is at a location where I may wish to come and go within a 4 hour period. From what I understand if you leave at any time within that 4 hours and return then you could be fined and not "no return for an hour after…
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BG seems to have altered my meter record, and is now trying to bill me a lot
I was wondering if anyone had experience of British Gas deleting their existing meter record, and replacing it with another. It appears they are trying to create an appearance that I have been assigned a specific meter, with serial code. However, it does not match my bills. The serial number of my neighbor is clearly…
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Will car start after 11 weeks standing
Advice please...... About to go away for 11 weeks so car will be unused. It is a Hyundai Tucson self charging hybrid. 2.5 years old done 15k miles and will be left in an underground car park (open to the elements at the entrance. The car is used for a mix of long and short runs and is likely to have a 20 mile journey the…
