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Pension
Hello, wanted some advice, please. Person, 32, not paid into pension since about 2024, got own business from then. Has £2,615 Scottish widows £3,880 People's pension £1,773 Nest account. Should the amounts all be put into one? Which one would be the best? The minimum should be putting into pension monthly? Thank you for…
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Best Varifocal Lenses?
I need to replace my old varifocal glasses and wondered who is offering the best value premium varifocals. I have had premium ones from Specsavers previously but when I had my eyes tested in Vision Express, they commented that their own premium ones have a wider view. Now I know this might just be marketing, or the fact…
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Is this legal ?
House is for sale through local branch of major Estate Agents. To be considered a "preferencial buyer" and take it off the market (they did), a £1000 fee is required to be paid to a stipulated solicitor named by Agent. For this you would get all local searches etc. Still allowed to use your own solicitor. Fee is not…
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1 minute beyond grace period at Slate Quay, Caernarfon
Hi I would appreciate some help with a PCN I received from Initial Parking for Unpaid Tariff Time at Slate Quay Car Park in Caernarfon. Here are the facts: * I was clocked in to the car park at 12:41 (ANPR). * I purchased a paper display ticket at 12:46 for 4 hours with an expiry time of 16:46. * I arrived back at my car…
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No Buying Unnecessary Toiletries September 2025
If your beauty and toiletries are taking over your life, then this is the thread to help you work through the stash and motivate you to not buy anymore (hopefully!) Welcome all newbies and regulars to this very friendly and chatty thread where we give lots of lovely tips on how to use up your stash and lots of support and…
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Claiming French pension from the UK
I wondered if anyone has any experience of this? My OH has been through the process via the Newcastle Pension Centre for a small French pension he accrued a few years back. He has finally, after a very long time, received a calculation from l'Assurance Retraite, and also an Attestation d'existence form to complete. The…
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Starting divorce proceedings
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Second hand redeemed giftcard refunded & spent by original owner
Anyone else had the same issue and what did you do? I bought a second hand Amazon giftcard from an online company at a discounted rate, something I have done many times over the last couple of years with no problem. I topped up my Amazon balance with the £50 giftcard and the code worked. I have been keeping money in my…
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Vibration in my house from a heat pump somewhere
Hi ive recently been hearing a low level vibration in my house. I’ve had over a week of sleepless nights. I can’t locate the source as yet and environmental health not too helpful at the moment and staying the equipment they have probably won’t register it. ive even been told to go to Gp to get my hearing tested- I did and…
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NO British Gas Standing Charge on an all electric flat!
Some years ago my mother lived alone in an all electric flat which once I found out that she was still paying British Gas for the standing charge on her gas meter I intervened and informed British Gas that I had Power of Attorney and would no longer be paying British Gas for their standing charge. They insisted that by law…
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SIPP - already using UFPLs - can I now use PCLS
Hi, I've taken lump sums (UFPLS) from my SIPP with AJ Bell a few times. Now considering, if I can, going into PCLS (Pension Commencement Lump Sum) i.e. taking 25% of the current SIPP total tax-free and leaving the 75% in the SIPP which will subject to tax when I withdraw. Is this legit with HMRC? Any advice gratefully…
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Money Issues Due to Sickness from Work
Hello, I have recently been diagnosed with breast cancer meaning I have to take a considerable time off work and am only entitled to SSP. My husband earns well but we have debts of about £30k so need to somehow consolidate these while I am not bringing in my full wage. I had planned to apply for an IVA but not sure if this…
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UC Gift Allowance
I've had a look around and been unable to find anything like my specific issue. We've had a UC review this week, and when the work coach discovered that my parents are regularly sending me money, they warned that I might go over the "£3,500 gift allowance", then requested more bank statements to run the numbers. This is…
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Lebara daily mobile data usage calculations - is it calculated fairly?
I switched from AsdaMobile to Lebara in March 2025 (via the MSE Exclusive 10GB offer). My actual mobile data usage is low. The AsdaMobile calculations re my mobile data usage were always easy to verify. However, Lebara's calculations are much higher for similar usage and I find them difficult to work out. According to the…
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Does this plaster need skimming before it's tiled?
My mum and dad got a new kitchen but several years lapsed between plastering the walls and buying kitchen tiles. In the mean time, mold grew on the plaster, and indentations formed (see photo). The tiler will have his own view on whether he can tile without the plaster first being skimmed. But, from a health and safety…
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Sell dads house
My dads alive and had nearly sold his house . Why do we do with the money? He wants to spend some but is he allowed? I care for him at my house and he lives wirh me full time . But what do we do wirh 140k? Can he just have it in his bank? Thankyou
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The Top Fixed Interest Savings Discussion Area
I'm interested in people's thoughts and recommendations for the best fixed interest accounts. With BOE interests rates recently starting to increase we have to consider the desirability of long term fixed interest savings. Since withdrawals are usually not permitted before the end of the fixed period, such general interest…
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A lot of discomfort in legs since I broke one and fractured the other shall I ask to be reassessed?
I work part time and have done so for almost 7 years, it overwhelms me more and more as workload increases year by year due to cutbacks, wage is reasonable and I get UC with ESA work related rate on top of that. Last year I smashed my leg so bad I was in hospital 2 weeks and was off work for over 3 months, was given more…
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Energy club BG tariff and existing BG customer
I'm already a BG customer but thought I'd take advantage of the MSE group tariff. However the energy club's switch form asks for details such as direct debit which leads me to believe a new account may be set-up with the provider. I've good reason to be cautious after a bad experience with BG customer service last year…
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selling property
I'm thinking of down sizing , I'm on pension credit ,I have been told this could stop because if I sell property the money would be classed as savings, but it is going to go straight into buying another property and paying fees, so I will not be left with no saving by the time its all gone through. I just want to know if…
