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NHS health costs - glasses
Hi, This might be in the wrong part of the forum.I ordered glasses from an independent/individual High Street optician.The cost came to £230 after they discounted it but the receipt does not show the discount for complex lens voucher. I have a strong prescription. I am not entitled to any other voucher.I paid £30 deposit.…
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After mortgage freedom
I am posting near the finish line. By april next year I should be mortgage and credit card free A little about me I am 42, husband 48. 2 kids who are 9 and 12. Husband is a sahd Bought first house in 2007 with 109k mortgage. Moved out in 2010 to house 2 and got a new mortgage of 125k in addition to keeping house 1 and…
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Difficulty transferring out of a Moneybox cash ISA
Following the information on MSE's website I opened an easy access ISA with Moneybox a few months ago but now want to transfer it because interest rate has dropped. However, the websites for other banks/building societies do not acccept anything from Moneybox. Has anyone found how to transfer a Moneybox ISA to another…
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When I go
When I go I want to leave my affairs in order. I am not interested in hiding my assets to avoid care home charges. I am not interested in avoiding tax on my estate. It could be circa £500,000. I have a simple will which shares my estate between two sons who are executors. I understand settlement of my estate could be…
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PCN for parking outside the bay Claim Form received
Hello All, I have received a claim form to fill in my defence for a parking charge notice for contractual breach. The circumstances are that it was me my mum had been in hospital and I had to buy clothes for her so it was a really stressful day. I was in and out the shops in 15 mins and the car park was not full. I have…
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PCNs from CPM for parking in my own space & Letter from BW Legal
Hi all, Long-time reader, first-time poster! I'm not (at this point) looking for any advice (i've read the NEWBIES threads, and have found several other threads relevant to my situation that have been VERY useful) but I figured i'd start a thread to document my situation and the steps i'm taking so that it might help…
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ISA transfer, different amount?
I’ve recently transferred an isa into a new bank account after my 1 year fixed isa ended. I decided to take out £1500 before it got moved and put into my other account as need this for other things. I then requested my new bank to take all of the amount left in my ISA and transfer to new account. I’ve had the money go in…
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DCB Legal
Hello all, I have seen threads similar to this but wanted to create my own post with my circumstances. I had parked at a train station car park to be dropped off but had recently been released from a mental health unit and had a blip before leaving the car. Unknowingly, we stayed parked for longer than expected and over…
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My PAD data for my house is wrong - very wrong - Paying too much Council tax?
* I’ve challenged the band G (£160,001–£320,000) since May 2025, arguing it should be band F. * Provided six comparable detached houses (built ~1930–1940, 139–180 sqm, £525,000–£700,000), all in bands F or E. These have similar or smaller sizes and higher valuations but lower bands. * VOA rejected my comparables, stating…
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ParkingEye pursuing RK after driver was named follwoing LBCCC - advice needed
Hello, I have read the newbies thread at length and have used it up until this stage, however, I need some further assistance as I can't find any recent advice which relates to my situation. Quick summary of events so far - I am the registered keeper of a car that was being used by my partner in October 2024 - At that time…
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Capquest Letter of debt
Hello all, To start off i have i have been debt free to my knowledge for over 5 years and my experian report and others show i have no debt in my name, this morning i received a letter from capquest saying they where now holding a debt that they have transferred form capquest limited to capquest... i have no knowledge of…
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Flexible ISA to Stocks and Shares ISA
If invest £x in a flexible cash ISA, at a later date within
the same tax year can I withdraw that £x and invest it in a stocks and shares
ISA with a different provider? Will that leave me with £(20,000 – x) that I can still
invest in another cash ISA with a different provider or does it have to go to the
original flexible…
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Mortgage broker - ask me anything
Thought I would start a thread where people can ask the brokers opinion on things @ACG @LRmortgage @kingstreet @Deleted_User (any other brokers want to chip in - these were the main other brokers who came to mind. It is definately an interesting market - probably the busiest I have ever been but at the same time lenders…
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Charge on property
Hi, In 2007 I took out a loan secured on my property with first plus ( who I believe are no longer in business) This was paid off in 2013. Recently we’ve applied for extra borrowing on our mortgage for some home improvements. Whilst talking to the bank, going through our finances, they said there was still a charge on the…
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reporting business expenses as self employed on universal credit - working away from home.
married couple, one 19yr old with disabilities, one 12yr old. Does anyone have any advice on this? we were called for an appointment at the job center 3 weeks ago, JC employee said there was expenses listed on our monthly inc/exp that were not allowed. She said specifically that accommodation and meals are not allowed when…
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Bulk LPG - Cheapest suppliers / supply route?
Hi all, Moved into a house in Jan that has a bulk LPG tank, which was previously supplied (and the tank is owned by) Calor. The contract they were really keen for me to sign was quite a restrictive lock in one and after speaking and a bit of negotiating they dropped the standing charge and discounted the pence per litre by…
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Excel Parking PCN Crown St Leeds - i paid for parking, admittedly short
hi i have recently received a PCN. However, i appealed this to Excel parking services before reading any other forums or internet chats. I appealed and provided a redacted copy of my bank account showing payment for my parking. No ticket or receipt was issued when i requested them upon payment, despite subsequent signage…
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Student loan repayment and retirement income - how do they work together / impact on each other?
Hello Forum members I've just completed my university studies, and my student loan becomes repayable in April 2026. My first question - does my private pension count as income for the purposes of repayment threshold payments, please? BTW - I'm in my late 50s and receive monthly pension payments, which are currently below…
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Wood burner squeeking flue when windy
Hello, we have a rather annoying squeeking sound coming from the wood burner flue. The source of the sound seems like it's coming from around a foot or two above the ceiling. The flue then goes up through the bedroom (boxed in corner) and out the roof. I've a quote for: -£680+vat to fit 2 x bracket in the room above and…
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Admiral Car Insurance
Has anybody had issues with Admiral refusing to deal with third parties? (And is this actually allowed?) Back in June, another driver caused an accident in which my car was written off. My insurers acted quickly and paid out, minus my excess, and they confirm the Admiral (the other party's insurer) have admitted liability.…
