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ISA transfer experiences
My most recent experiences. First the bad and the ugly: * Monument to Santander. The request had to be made on paper, which I handed in to a friendly Santander employee in Branch. 6 weeks later, there had been nil progress as the form apparently "didn't reach the right department" (in Santander). This means I missed out on…
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Paying high income child benefit charge when pay is variable (commission based)
I’ve just had a baby and have applied for child benefit but we’ll have to pay some (if not all) of it back as my husband’s income tends to be high. However, his basic salary is around £24k and the rest is commission based, varying month by month, year by year. When we tried to sign up for the PAYE method of repaying, it…
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Home Buyer's Survey
My buyer had their home buyer survey completed today - it seems that they will be looking for a further reduction. Should I wait and see what happens as they have already delayed the process by 4 weeks, changing mortgage broker and then rebooking surveys..
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Mortgage/repossession/declaration of trust
Before I write an essay..are there any posters with experience on the above?
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Parking Ticket - Insufficient Evidence?
Hi all, I am refusing to pay a parking ticket based on the evidence being insufficient. The rule that I allegedly broke was that I supposedly parked in a bay which is marked with a blue line in front of it. (These are for vehicles with a valid Fed-Ex permit only). As you can see from the photos attached, the parking warden…
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C1 Grant of Confirmation - Looking for help
Good evening, I recently lost both my parents and am looking for some guidance on the completion of the C1 Grant of Confirmation to enable the sale of the family home, a small amount of shares and to allow release of funds from Santander and Nationwide Building Society accounts and conclude the execution of the estate. My…
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BST
How come when not signed it it shows the correct BST, but when signed in shows incorrect time that's an hour behind.
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O/S Daily Friday May22 2026
Morning all.
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First Direct £175 switching offer 09/09/2024
https://www.firstdirect.com/banking/current-account-mgm/?fd_msc=PCS0000031&cid=FSDT:la:A1:CA::2011:005:CA2020&mtp=agg&anprgid=c63f8b89-4d87-4bb0-b7bd-8634f2ad4829&dclid=CMHTrebduIgDFTRY9ggdv0gnhQ Who’s running the offer?first direct a division of HSBC UK plc (‘we, us’) is the promoter of the offer.The Switch offerSwitch…
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Boots Advantage Points Expired... A bit of a rant
Okay, so. I discovered today that Advantage Card Points expire one year after the last purchase, so if you don't buy anything from them for a year, they're gone. Now, it's probably in the small print and definitely in the recorded message when I contacted them by phone to ask about it, so it's clearly my own fault, but I…
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Travel Insurance amount to cover
I read a tip from Martin saying to try and get separate quotes even if traveling as a couple. But how much do i have to cover. e.g. if our trip costs £2500 each do i just cover each passenger for £2500, or do i have insure both for £5000 as thats the total cost of trip.
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DAMAGED TYRE
Hi Folks I have a damaged tyre. Do you think it can be patched up or would I need a new tyre? Thanks
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Tyres
I need to replace the tyres on my Toyota Aygo. I drive about 4,000 miles per annum, mostly on city roads/motorways. What should I be looking for/any recommendations?
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Car Battery
I started my car this morning after scraping off the first proper ice of the winter. Travelled 2 miles to the supermarket. An hour later having done the shopping, the car wouldn't start. The electric windows, radio, time & date all not working too. I called a breakdown recovery through my insurance. The guy arrived & said…
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Warning of transfer to solicitors
Hi, as you can see, I received the attached letter a few days ago, and recieved the attached email today. This is following ongoing letters for a parking ticket where I was not the driver, I have given them the drivers details but they are after me
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Minimum boxing
Ive no idea who designed the plumbing in out building but its crazy, 4 stories, with at least most having multiple unshared soil stacks, our carpark is a web of soil pipes coming out the ceiling and merging together. We also have suspended ceilings that are a good 30cm below the structural ceiling. So… if I look under our…
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Tax Codes & Starting Rate For Savings
I have just got off the phone with HMRC, and the operative seemed to suggest that my wife will not benefit from the “starting rate for savings” due to me using the marriage allowance. Is this correct? Her tax code was 1131N (2025/2026 tax year) but has been reduced to 940N for the 2026/2027 tax year. She paid no tax on her…
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Moorside Legal -County Court Claim Notice -Defence assist. req. -Exceeded Max Stay Period
I used a free car park which bhas no payment facility in June 2025. Received. PC for staying 19min longer 2hrs max. Appealed pooor signage, wife had back pain attack included recent X-ray from ongoing evaluation/treatment and offerred to pay any loss suferred from the alledged extra stay. The appeal was rejected. I have…
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LTIP - Tax reclaim? (Scotland)
My wife was awarded a chairmans award by per employer (Long Term Incentive Plan). She has since retired during the last tax year. We waited until the current tax year before exercising and holding her shares. At time of exercise we paid the administrator the estimated tax. During this current tax year she will minimise her…
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E on next tarrif advice
Evening all. Our current tariff ending. Is it good idea to go on pledge tracker or a fixed?
