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First time doing the £2880 question
I was about to add the £2880 to my pension. I retired Sept 24 and have had no taxable income since. I have taken my personal allowance from my drawdown fund this tax year (still have an accumulation fund there too). I have not taken anything else from the drawdown, only the tax free. I know that adding the sum can only be…
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Defence against DCB Legal for Smart Parking
Hi there! Really loving the forum, have devoured the content since I recieved my 'new claim' from DCB legal. I sumbitted the AOL on MCOL. I'm just writing up my defence, and wondered if someone was available to review it for me before I send it? Thanks so much! PoC: Particulars of Claim 1. The Defendant (D) is indebted to…
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Which AI tools do you use?
Which AI tools do you use to save money, boost your income or organise your finances? Let us know your success stories (how much did you save? What did you learn?). Does your bank offer any AI tools and if so, are they a help or a hindrance? We'd like to hear of any duds you've tried too. Thank you. ___________________…
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Any ideas on if there’s a case for mis-selling before 2007
Hi all, I was wondering if anyone had experience or knowledge of submitting a claim for the mis-selling car finance saga for pre 2007 sales? Mine was 2005 with Blackhorse and I do still have the paperwork. I understand it clearly states 2007 but do you think there’s any point to submitting a claim considering I have a copy…
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Returns to non-existent address / Chinese seller faking UK location
Had a really unusual situation. Purchased an item on eBay that was marked as 'UK seller', though item is very common (I think 'cheap tat' probably sums it up, haha) and the description was written in poor English. Took about 1.5 weeks to arrive, with a customs form and chinese text on parts of the label, so I think it's…
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Car lease company paid PCN
Hello all I read the following 2 threads before writing an email to my car leasing company and am after some feedback if anyone can offer any: https://forums.moneysavingexpert.com/discussion/6506031/parking-notices-paid-by-leasing-company…
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No show for cheque book.
Hello. I need some advice. please.l ordered a cheque book on the 17th of Feb and was informed via the online information that it would take 7-10 working days, but so far, no cheque book. I've informed the bank via secure message, and all they said was send us your address detail and how you want your name on the book. And…
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Buy Your Freehold - guide discussion
Hi all, we've written a new Buy The Freehold guide to help you buy your freehold or get the right to manage. How did you find the info? If you've done it, how did it go and do you have any other tips you'd add? How much value do you think it added to your property? Thanks for your help! MSE Jenny
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Transfer to II - How Long?
I know this will vary depending on volume and possibly individual fund and certainly on the sending platform but would anyone have any recent experience of transferring an ISA or GIA to II please? In my case it would be from IWEB/Scottish Widdows.
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£2880 pay from drawdown
Hello again, Retired, under 75yr, with only income from SP and DB ( plus savings). Does it make any sense to withdraw funds from my drawdown ac and pay into my pension account( subject to £2800 limit)? Money taken from drawdown would be taxed at 21% or thereabouts (Scotland). Payment is usually made from savings. Any…
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Personal Loan v Credit Card Cash Transfer
Had a few personal loans over the years no problem. Want to borrow around £4000 and the quotes I've got are between 12% and 24 % apr I checked on my Halifax master card and for a cash transfer to a current account there is no fee and an apr of 5.9% over 30 months I would be paying it off in a maximum of 12 months Is this a…
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Is 195 plus VAT a lot for an Environmental Search?
During my property buying paperwork I was asked whether I wanted certain searches, one of which was an Environmental Search. It was 195 + VAT! Isn't that extremely expensive for an Environmental Search? I read somewhere else it was 70 quid for someone. I chose not to have it because I don't see much reason to especially…
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Is it normal my parents LPAs are getting processed at different times
Hi all, Both my parents are in the process of doing health & welfare and financial legal power of attorney with me being the sole attorney on each one. When checking the status of each one yesterday all four LPA documents (2 each) said "Received" but today the status of the two LPA documents for mum had now changed to…
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How did you choose your surveyor?
When buying a new house, how did you choose your surveyor? The RICS search shows that there are like 100 who can do one for my new property. Basically all seem to be good. Do you just assign them numbers and roll some dice?
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Mortgage Advice
Hi all, I’m after some honest views on whether this sounds promising with Vida Home Loans, as I’m getting quite anxious about it. We’ve applied through a broker to Vida because our credit history isn’t great and there has been a fair bit of borrowing. We’re selling our current home and buying a cheaper one, so the aim is…
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I can't find an item I have sold
I sold an item a few days ago and simply can't find it. I messaged the buyer explaining the situation that I genuinely can't find it, but added I would refund now but keep looking for it and if I find it I would send it off, free of charge. The buyer hasn't replied. I messaged again and still no response received. This…
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Will I need probate?
we jointly own our house and a rental, have our own stocks& shares ISA’s and our own cash ISA’s, our own and joint bank accounts and a joint bond. We have a mirror will, everything to the one who is left…..when one of us dies will probate be required or will the death certificate and the will be sufficient , or will we…
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Kitchen touch-up
Very annoyed to find a chip right at eye-level on my brand new kitchen. Paid £35 for a "kitchen touch up" kit from an online shop who promised it would be an exact match. It so wasn't. To be fair they have given me a refund straight off, saying they must have sent the wrong shade. In the meantime I have taken a small…
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VAT on purchase from Canada less than £135
I'm not sure if this is exactly the right sub-forum but I know there are lots of people here who are knowledgeable about buying from abroad. I'm interested in buying some sandals from: https://jimmiesfootwear.com/products/buy-foldable-shower-sandals The sandals are being advertised to me (in the UK) on social media and are…
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TUI refusing to pay our travel costs from LGW to Manchester
We were due to fly back from Kenya with Etihad via Abu Dhabi on 6th March, this was a package holiday with TUI. Obviously those flights were cancelled. Tui managed to get us an alternative flight which got us to LGW on 11th March. All good. However, they told us to make our own way back to Manchester and reclaim the cost,…
