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Passing 'Surplus To Requirements' Pension To Grandchildren
I have an inflation linked DB pension, more financial assets than I will ever use and a house that is way too big for us so we should be downsizing. (This is just to illustrate that I am 'comfortable'). I also have a separate pension worth around £250K. I have kept this in case I died before my 75th birthday and, under…
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New Price Cap 1 April 2026 Octopus Fixed
I'm on the Octopus Fixed Tariff until 3 June 2026, 24.08p per kWh, 47.28p per day and pay via DD £204 per month. No gas. I'm a bit confused as to what to do for the best. Do I just stick with it, until the tariff expires on 3 June or change to a new tariff, on 1 April. There is no penalty for changing tariffs.
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unable to log in to Outlook
Hi My Outlook e mail for work works fine on my desktop with the Outlook app but when i try to log in on my phones or on the website login.microsoftonline . com/common/login I get " Your account or password is incorrect" Yet its the same e mail and password that i used to log in to my account on the desktop outlook app and…
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Self assessment idiots guide wanted
Out of the blue, I have received an HMRC letter stating I need to complete a tax return and they gave set up a self assessment record and created my Unique Tax payers reference shown in the letter. I assume due to savings. No details were included apart from mentioning downloading an app, or scan the QR code. I'm now very…
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Samsung phone – unacceptable high-handedness !
Samsung updated its ‘One UI’ layer to version 8 on my phone. Result : Panic : I couldn’t switch it off ! Fortunately, thanks to chatgpt I got it working. It turns out they had intercepted the side button in order to force a sign-on to Gemini AI. It seems they want their users to talk to the phone instead of using menus.…
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Barclays Bank privacy policy is 10 years out of date!!
I know that a huge proportion of people don't actually read the "small print", but sometimes it's important. I recently had to launch civil proceedings against a debt recovery company who were demanding that I pay over £300 for a CCJ that wasn't mine… obviously, the District Judge ruled in my favour but it has made me be…
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Nest as well as S.I.P.P
Hi I am paying into nest via work to the max my employer will add (4/5%) I am able to make extra AVC payments However, with nest I think they take 1.8% straight away as a fee Is it possible to open a new SIPP somewhere else and add to that, and still get tax relief on top of any AVCs?
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New Build Homeowners - Refund - Is this real?
Hi all, newbie here so let me know of this is the wrong place. I've seen a couple of ads on Facebook suggesting that owners of new build properties purchased between 2022 and 2024 may be due a refund (see attached screenshot). Has anyone else seen this? Is it legit? I had a brief look on some of the info and there does…
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Dynamo breakdown auto renewal
My daughter took out breakdown from dynamo last year and never received a renewal email so forgot about it. It's only when I checked my credit card(I paid for it as she had lost her card at the time). and noticed they'd taken a £38 payment that we remembered. She's checked everywhere in her emails but there's definitely no…
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1% minimum repayment credit cards
Hi all, just wondering if anyone knows a quick way to identify 1% of monthly balance repayment cards? It’s quite hard to find which ones are. Unless I’m missing something, it seems that you have to get quite the way through an application before you can find it-and it’s always in the small print. Anyone know of a quicker…
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Will / LPA
Hi all. Bit of background. Wife's Aunt and Uncle 85 and 89. (Father side) 2 Sons, both estranged not spoken to for 30+ years.Eldest re acquainted last year for about 7 months but in Oct cut all contact again. We are assisting with things like on line shopping,helping to fill out Benefits etc but they have Life Assurance…
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Met Parking, DCB LEGAL court claim
I wonder if you can help & advise me please. I recently received a NOTICE TO HIRER from MET Parking Services for a car I hired. The letter is dated 8th Apr & the contravention occurred on 14th March at Southgate Park, Stansted. I'm required to pay £100. Thanks.
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Bare Trust Investment Account - For Minor's Own Assets
My child is beneficiary of an IIP trust settled by my late father. From this trust my child receives mandated income and, if income is sufficient, pays tax. The income is his absolute property. The primary intent of the IIP trust was to generate income to contribute towards education; initially building up a surplus which…
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Redemption - The journey of a recovering gambling addict.
Ok. Here goes. This is my journal on my journey to redemption. First post is to outline my current situation. Salary- £75k + Married Two Children Personal Debts Bank Loan 1 CAR - £20433 - £352 4.3% Debt Consolidation Loan £10,344 £153 5.2% MBMA - £4300 - 0% 14 months NatWest £3000 - 0% 12 months I have told my wife…
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Having second thoughts
A few days ago my husband and I set up Santander fixed ISA for 2, 3 and 5 years. Mainly to take advantage of the e-voucher reward, but also as we are happy to lock away for a while. I am now having second thoughts, as even though the fixed rate is good at 4.5% it would probably work better over 5 years in a S&S ISA, which…
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DCBL/Parking Eye
Hi, Got this yesterday from a parking fine. As yet I have not replied to anything that I have been sent so there they are assuming im the keeper and the driver Gone through the forum and various sections, great stuff btw. I have done the Aos on the mcol, so now am putting together a defence compiled of the paragraphs in…
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Ending Married Couples Allowance Transfer
So, my wife applied to transfer her allowance to me a couple of years ago when we did our tax returns and the transfer was effectively backdated to the tax return year. I assumed cancelling the transfer could also be done in the same manner - so cancel while doing our 25/26 returns to apply for the 25/26 tax yea rand…
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Hello from hippy chick :)
Good day today ( although I may pay for it later) 12 days post hip replacement, had 24 clips removed ( I think she was exaggerating), and can walk so much better, did 300 yards. Beautiful day here , so hubby carried my seed trays outside and I spent a lovely hour or so pricking out beetroot, kale, tomato, chard and…
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Standing Charges on utilities, Is it possible to rid of
I’ve been looking into energy bills recently and I’m struggling to understand the justification for standing charges . it feels like you’re paying a fixed fee regardless of how little energy you use, which doesn’t sit right, especially when trying to cut costs. I’ve seen there’s talk of new tariffs or consultations where…
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Flaw in system or is my company dodgy?
Is there a flaw in the system to leave after a Broadband contact finishes, or is my Broadband company dodgy? I tried to do everything correct to leave a Onestream Broadband contract at the end of it in March, without any added fees, even though they made it difficult, as said I couldn't contact them before 30 days to…
