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mortgage application
Hi everyone, My broker submitted TSB shared ownership mortgage application a couple of days back and told me its pre-approved subject to property valuation. Its a new build house from So Resi. For those who’ve gone through this recently, could you please share your experience on: * How long it took for TSB (or other bank)…
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Chase Saver With Boosted Rate
I'm in the process of moving my savings from Monument Bank as their rates are now dragging behind and I'm looking at the Chase Saver With Boosted Rate as I prefer to have instant or short access(30 days max ). However I find the following a little confusing; The MoneyFacts website states that the Chase Saver With Boosted…
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Defect front door - who is my contract with?
We had a new front door fitted in February and have been back and forth with the company who we bought it from regarding defects with it. The company who made the door have supplied different colour pens which are not the correct colour. We have requested a new door but they just keep coming back with different colour pens…
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Stocks and shares ISA lumped sum not monthly
Hi does anyone know of a stocks and shares ISA with good rates / low fees not self managed and that you don’t pay monthly but you can put in a lump sum? I seem to only find ones that you have to pay monthly into, thanks.
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Cash ISA Transfer (T212 to Chip)
I initiated an ISA transfer from T212 yesterday and the balance immediately disappeared from my T212 account. It hasn’t yet been credited to my Chip account, which is understand is normal. However, do I still earn interest whilst the transfer is in process? If so, is it paid at the T212 rate of interest or the Chip rate?
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Students & Universal Credit
Hello, Are there any circumstances in which students are eligible for universal credit? Single, full-time postgraduate student, receiving PIP & works few hours (can’t work more due to disability). Pays rent for flat. Receiving the government’s postgraduate loan. Thanks for any advice.
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VLS80 vs 100 & 60
Why does the 80% equities option do so well & outperform both the sixty & hundred, I find it hard to find information about what stocks it invest in. What are some other funds with similar performance to this over the last 12 months, three years and five years
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BIG ISSUE WHEN STATE PENSION IS ABOVE TAX THRESHOLD
I have just received this answer from my local council benefit office - We will not be adjusting income for the past year when your HMRC tax bill is received My state pension this financial year is more than my tax allowance so is being used as a test case by my local councillor That means from April 2027 under the current…
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LGPS Trivial Commutation Help Wanted
Hello, everyone has always been so helpful on here in the past and so posting a request for a friend. They are 59 and worked for a few years in a school and so have a Deferred LGPS pension with a transferable value of just under £24,000. They decided to request the full amount as a lump sum under the trivial commutation…
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Laura Ashley curtain - lost cleaning instructions
Hi folks, I made some lovely Laura Ashley curtains from their Edwin fabric, Composition - 82% Viscose, 16% Linen 2% Silk - but I lost the swatch with cleaning instructions. Does anyone know whether this fabric should be dry cleaned? They are lined with blackout curtain lining (if that makes a difference). I can't seem to…
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Made a mistake with postage, what can I do?
I sold an item and for the first time ever I undercharged on postage, my fault and Im fine with paying the difference myself. Its a quite fragile item and I had the weight and box but on packing it is evident that I need far more bubble wrap than I first thought. Of course this makes the parcel a lot bigger. It is simple…
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Handing in Notice and Bonus payment
Hi, I thought I would create a different thread for this- I am potentially handing in my notice today, but am due to be paid a bonus in November. I am going to ask for the policy from HR, but do you think they could take that away from me. Their is a lady who is retiring next year, she has told them last week, and there is…
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Pension Drawdown
Hi all I've got a small pension pot of £36k with Reassure now. I'm 62 and am planning on withdrawing as much as I can from the pot over the next few years without paying any tax. My current income is only £1500 per year, so I have £11k of unused tax allowance to play with before I hit the income tax threshold of £12.5K. I…
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Scam Call? EDF MPAAS?
I received a call supposed to be from MPAAS on number 03308088910 I was told they had been instructed by EDF to send out someone to come and turn off my Gas Meter as it is not working properly . I received a Statement off EDF 23rd with my gas and electric meter readings. I would not confime anything, but was dismayed that…
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MSE Energy Big Switch Oct 2025
I have received email about the latest Collective Switch for energy and have tried to check the tariff details through the cheap energy club. But when I try the links, I get the message: Unfortunately, you're not eligible for this tariff This may be because it's not compatible with how you pay for energy (eg, it's Direct…
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Glazing trim for commercial/industrial door.
I haven't started searching yet, but thought it worth putting on here too.This is an 'industrial' metal door with glazing panels. One of the trims has rusted through and needs replacing. I'm sure a general plastic trim can be found to do the job, but it's always easier to get the right thing :-)It's made from steel, and…
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Pension Trust maintenance period
I have a smallish pension with SEI Master Trust, last year I took a 25% tax free lump sum using their online portal, it was a piece of cake and I received the funds within 2 weeks. This year I decided I tried to withdraw it all as I have now retired. I have been given the run around for about 6 weeks, firstly they couldn't…
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The Ultimate Mortgage Calculator discussion
Update 19 October 2010 We have spent the last few months expanding this, hopefully making it... erm, ultimate-er?! It has new calculators, including: - Offsetting vs Savings/Mortgage - How much can I borrow? - Compare 2 fixed rates - Should I save or repay mortgage? Would be great to know what you think, and especially if…
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Is there an app for daily tasks?
I'm looking for a (free) app that might be useful to me to list daily and weekly tasks. Some for self care and others for housework etc. I really need to get myself motivated and this just might help!
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Royal Mint - Unable to Login
Just wondering if anybody else is having problems logging in to the Royal Mint website today? The login/account icon (for want of a better word) has disappeared from my home screen and if I navigate to the login page directly from google it tells me that my account was not found. Also I've tried this from two different…
