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Ebay 'Best Offer' Option. Does it work for you?
I've always just run and auction and never bothered with Best Offer or Buy it Now. Recently I was searching and found a lot of sellers who list everything with a Best Offer option. So I decided to give it a try on one or two of my items. I usually start my auctions at the price I am happy to let an item go for to avoid the…
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Car insurance - DOC
I've been getting quotes ahead of renewal in 3 wks. One aspect the aggregators are silent on is the issue of DOC cover. I'm spending a lot of time unnecessarily completing proposals only to find out the policy quoted may not be suitable. Any ideas which companies offer DOC as standard?
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Fresh Start At Fox Towers.
(shiny new diary and the title makes me feel like I am in an Enid Blyton book) For those of you who are new, and those who are not, quick life re-cap: Household consists of me, Mr Fox, and Mini Fox. Regular visitors are the 4 stepkids, 2 of which are now adults. I work full time and Mr Fox is currently SAHD'ing to Mini…
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Calvert Shoes - is this legit??
Calvert Shoes – Crockett & Jones Women & Men Sale OK so never heard of this website and I know it's showing as being in the US. So different rules may apply, import duty, etc. But they are selling C&J shoes at about 10% of what they might sell for in the UK. And so there's a few alarm bells going off. I can't find anything…
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Gifts for IHT: interaction between tax years and date of death
I’ve read HMRC’s guidance notes on gifts, including the seven
year rule and the annual (per tax year) exempt amounts of £250 per recipient
and £3000 respectively. I’d like to ask
two specific queries about the interaction between date of death and tax years.
Thanks in advance for shared wisdom on these technical points,…
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Debt Managemt Plan query
Hello. I've been in a dmp for a number of years, paying all my disposable income into it which amounts to about £140 a month. My situation is potentially going to change and my disposable may go as high as £1000 a month. Obviously I want to increase my dmp payments accordingly and start clearing this debt, but, do I 'have'…
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Tax on US Social Security Retirement Benefit
Hi, I'm a British citizen living in the UK. Back in the early 80's I worked in the USA for a few years. Now that I am retired I submitted an application to the US Social Security Administration to find out if I was entitled to any retirement benefit. To my surprise they have come back and said 'yes' I can receive a small…
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Slow draining bathroom sink
Hi everyone, I've got a little issue with my bathroom hand basin. When I use the water, the first litre or so drains away with no issue, but after that it backs up, draining about half the speed it should. I have tried a chemical unblocker a few times with no success, I had the exact same problem about 5 years ago, and…
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No Rhyme or Reason.
I recently sent this application to the valuations department and after some time basically told that we needed to find similar sized properties on a lesser tax band for ours to be changed down. The value of our property in 1991 does suggest we are correctly banded currently but how can three, four and five bedroom be on a…
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Increase to Minimum Pension age from 55 to 57 on 6th April 2028
Latest position:24th February 2022: The Finance Act which contains the legislation making the change receives Royal Assent. Discussion of this starts from page 22 at this link. Most pension schemes have not yet made clear whether they are protected or not.…
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Been asked to chip in extra cash
Hi, in a chain of 5 buyers, one person has found they need to do extra work on their new house after a survey. The estate agent phoned and said would we mind chipping in £1000
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Flannels Gift Card Cloning
My Son was gifted £400 Flannels gift card as part of a leaving gift. When he went to use it showed that £378.95 had been used, with only £21.05 remaining. I contacted Flannels today (via online chat) and they advised the card had been used 3 time in their White City, London store, with a physical gift card. All…
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Council flat purchase?
Hey guys My friend is thinking of buying a new build perhaps 3 year old council flat under Right to Buy. It’s cheap but shes worried about future repair bills and service charges ( if their extortionate). For those who’ve done this or know the risks, is it actually worth buying, or is she just signing up for expensive…
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Karcher K2 pressure washer
I have been given a K2 pressure washer and understand that as long as I use a low setting and use it from approx two feet away, it will be fine for washing a car. However, I have a small stone chip mark, on the thin edge of my door, which I have painted/dabbed over. Will this still be okay for the pressure washer?
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Is this acceptable after an operation?
I would just like some views on this please- Our dog had an operation a few days ago. She was sent home the same day with a 10inch stitched area across he belly and side and bandaged up. She was given 2 follow up appointments which were free of charge as aftercare as they had been included in the £2780 cost of the…
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Pension credit to state pension
moved to benefits
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HM Courts & Tribunal Letter - Is this the one I have to respond to?
Hi all. I got the below letter after ignoring a number from debt collectors etc. In short, I got a private parking ticket. I followed the newbie thread initially but can't find anything regarding this stage (happy to be pointed in the right direction). Is this the one I actually have to respond to?
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New DMP
Hi all, So my DMP with Step Change is up and running....not heard directly from any of my creditors so assuming they have accepted the proposals - I pay my DMP and crack on with life. Getting myself into a sensible budget, changing my mindset and getting myself out of this mess which I created through my own stupidity. I…
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Answering "no" to all questions on TV licensing website but it still says I have to by a license?
I received another letter from TV Licensing inviting me to visit https://www.tvlicensing.co.uk/check-if-you-need-one/topics/telling-us-you-dont-need-a-tv-licence and fill out the form. I answer "no" everywhere, yet upon hitting "submit" that page displays a message at the bottom that says "based on your answers you need to…
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5% or RPI increases - any crystal balls?
Last year I bought an annuity and chose 5% increases over RPI. I had buyer's remorse pretty quickly - second guessing myself. So this year I am buying another annuity and have the same choice 5% or RPI. I am tempted to pick RPI this time. The starting annuity is nearly 15% higher with RPI than with 5%. How would people…
