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Accountant recommendaions
I am openning up a business with very straight forward circumstances. I currently have a simillar business that I will be closing. There are two people on payroll including myself. Literally all I need is Payroll once a month, Accounts at the end of the year and being able to call the accountant once in blue moon if I have…
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High income child benefit charge and conversion to PAYE - help
Hi folks, Apologies for the long first post! This is about understanding tax rather than cutting it, but I figured this forum was the best place to ask, hope that's ok. I cannot find anything on gov.uk that is useful and phoning HMRC did not help. I'm hoping someone can help me understand my tax situation with respect to…
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Carers element denied uc
My son has been having to help me with my disabled daughter for several months now. He just claimed the carers element immediately kicked out as I am claiming carers it's an underlying entitlement as I am now over pension age. Is this right as you don't have to claim carers to get the UC care element. I don't get anything…
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Level 2 survey came back with some concerns about electricity and water - next steps?
Dear all, I really appreciate all the advice I got so far on my few threads regarding to my first ever flat purchase :) and I would love to get some further input on my next steps (I am absolutely new to everything property-related) My Homebuyer survey report came back on Friday. Leasehold flat in North London, block is…
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Pension Types and where to start
Hello. So having previously gained some very helpful opinions on starting our first pensions late, I am now looking to do just that. Spoken to a couple financial advisors to arrange an appointment but both so far don’t seem to want the business which I hadn’t expected! I am guessing this is because of the commission based…
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Renewal of Index-linked Savings Certificates and death of holder query.
The latest information from NS&I advises of changes in the operation of Index-linked certificates one of which is the "No access during the term" rule. The only informatiion given about the death of a certificate holder is if the holder dies, the Cerificate will become part of the Holder's estate and the Certificate will…
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CEL court claim 2025
Hello, After numerous letters that I ignored as per the newbies guide being no action till court claim - I have today, received the Letter before action from Civil Enforecement (www.ce-service.co.uk) with a PAP which "requires me to respond to this letter" - 30 days notice. I have read other posts saying I need to respond…
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Capability for Work Form - Advice Needed
My husband suffered with severe depression for several years from 2019. He worked hard on himself and was able to get back on track with just the odd temporary crash every now and again due to outside pressures or circumstances. A year ago he lost his job and was coping well but is over 50 and finding it hard to get a job,…
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smart meters- what is typical lead time?
Hi, I have requested an EV Tariff and so a smart meter for electricity (and gas as it is ancient) from my supplier, Utility Warehouse (UW). Recently gone to a full EV so hoping to get their advertised EV Tariff ASAP. Being in the northern half of the UK I expect Arquiva will be the installers but just a guess. Responses…
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Please help - Air Traffic Control mess led to massive costs...
Really need some advice. We are a family of five. During the air traffic control chaos summer of 2023, we had out return flights to the UK from Austria cancelled. Could get no help from Easyjet, and were on the phone to them for six hours - all of which we were on hold, apart from a five minute conversation. Airport was…
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Uber gift card via Amazon - used by someone else
Recently, Amazon had an offer for 10% off Uber gift cards. At the same time, Uber were offering 5% Uber credit rebates on train tickets, so I bought a £120 gift card as I had some travelling coming up (wife in hospital in London). When I tried to redeem my gift card on Uber, I found out my Uber Money account was restricted…
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Newbie
Hi Everyone, looking forward to getting some help. What is the best category for faulty car purchase. Thanks in advance.
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How much to live on
How much do you expect you will require to live on each month when you are retired? ie no mortgage, no commute to work BUT maybe higher heating, hobby costs. I'm getting to the stage where I'm realising that I don't need to be super rich to retire and will only really require living costs but I don't know how much I should…
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Downstairs neighbour experiencing leak, not sure from where?
My downstairs neighbour came by last night and said she's got wet patches on her living room ceiling. I'll attach a picture. My living room is above hers, but the bathroom is right next to it. I've got a shower. I've engaged a plumber who will hopefully come by later today. Does it look like it might be my shower waste…
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Are there any reasons not to invest in this?
I'm almost 41, and whilst I'm late to the game, I have become interested in investing in stocks. Specifically, I narrowed it down to: * Platform: Trading 212 (Stocks & Shares ISA) * Fund: VUAG (Vanguard S&P 500 UCITS ETF – Accumulating). * Reason: Very low FX fee (0.15% per trade), no monthly account fee on the ISA. I'm…
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Student Loan Overpayment
Hi! This is the discussion thread for the Student Loan Overpayment guide. Click reply below to discuss. If you haven’t already, join the forum to reply. Thanks folks,
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Civil Enforcement LTD defence statement
Hi Guys, I have been issued a claim from Civil Enforcment limited. Claim was issued 28/10/2025 AOS was submitted on MCOL 02/11/2025 Particulars of claim: Claim for money relating to a parking charge for breach of contract terms/conditions for parking in a private car park (cp) managed by claimant . Drivers may only park…
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Please help me get to Australia this year
I want to get to Brisbane Australia this year to see my son. I have looked into flights but I'm completely overwhelmed by the variety of routes and airlines. I have recently 'finished' cancer treatment (6 monthly top ups from here onwards) and will turn 70 late this year. I will be travelling on my own. I have 71,000 Avios…
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UK citizen has Portugal visa mortgage
Im presently residing ans working self employed three years in Portugal but UK citizen and bank account, in both countries I want to buy house to a house in the uk with and rent out to my brother What are my options available? Any advise appreciated
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Thames Water 40% Bill Increase – No Transparency, No Justification!
Hi everyone, I’m posting to see if others are facing the same outrageous bill increase from Thames Water and to figure out what can be done. My latest bill has gone up by 40% with no proper explanation, and every attempt to get answers has been met with corporate nonsense, vague responses, or outright ignoring my…
