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Taking 25% tax free from a SIPP
I have read through on my SIPP website the steps to take and think I understand most of it. I want to take out 25% cash of the value of my SIPP. I have invested in 3 shares and was thinking of selling one of those to get the amount I wanted. But from reading the steps it looks like I have to sell/crystallise all of my 3…
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Armtrac PCN Appeal Final Letter
Hello, I have looked through the Forums trying to find an answer before I post this, but there are too many and the helpful hints don't seem to cover our issue. We had a PCN for parking on Private Land. We bought a ticket and it has the right registration on it and the correct charge paid, but it was a windy day and the…
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Advice needed Please (Car Repair)
There was a problem with my car where the spark plug had popped out and car was really noisy.Took the car to a garage explained everything and they said they can have a look.They said car can be repaired just need to rethread the head and head had to be removed to do this so a big job. we were quoted £1200 altogether with…
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NatWest fixed rate bonds ?
They have a 1 year bond and a 2 year bond available at the moment , but the funding is unlike most other bonds. Regarding the 1 year bond for new customers closing date for applications is 19th November, last date for deposits is 2nd December, and the bond start date is December 3rd. So would any money deposited before 3rd…
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Gatwick Drop-Off Charge - cant appeal because PC reference not recognised
Hi Sorry if it was discussed and I missed this somewhere. I am trying to appeal the Gatwick Drop Off Charge and normally I would go to the NCP website and complete the online form. However, when I enter the PCR in the appeal form they say it cannot be found? Becasue of that I now missed the timeslot to appeal and got my…
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Over 50? how do you keep fit?
I've been a bit poorly of late. Usual school bugs. It got me thinking how do others keep fit? Me? Usually cycling all year round. Done well over 20,000 miles since lockdown. I'm not as supple as I was though so probably need to do some work on flexibility. What about you?
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APCOA - Triple threat
Slightly odd situation, looking for welcome advice. I have trawled through the forums and as you will see I'm mid-process with some of this, but it keeps getting stranger. All tickets received at Chiltern Rail - Haddenham & Thame Parkway car park. Disclaimer - I am aware some of this is my fault. The first two PCN's were…
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Mis sold car finance
Hi, I was curious about all this mis sold interest rates and such that's been in the news and with MSE. Basically, I followed the advice of sending the email draft that's available on MSE to my previous broker which was Blue Motor Finance. They've emailed me back saying they can confirm that they didn't miss sell any…
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Cabot, Orbit, and 23 years.
23 years ago my abusive, late ex husband forced me to take out finance on a car. I paid it for as long as I could, I left, it was eventually repossessed and there was an outstanding debt. As a single mother of 4 I couldn’t pay it. I think it went to CCJ but I can’t be sure. It fell off my credit report years ago. Cabot…
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Royal Holloway PCN Legit?
Hi, I received a PCN from RHUL a few days ago as I parked on their site for a few hours in the night. Their main body used for parking is FirstParking, are these guys legit and do they actually get on case about unpaid PCN's? Any help would be appreciated thanks.
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Professional cleaning of mattresses
I have a decent bed mattress, several years old, but it has got stained. Although I use mattress protectors, I heavily sweat, particularly in the hot Sumner and I tend to move a lot during sleep, often waking up to a protector covering only part of the mattress. I also swear that my sweat and even urine has passed through…
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Can I register a Spanish Lasting Power of Attorney with the Office of the Public Guardian
I am resident in the UK but I have a holiday home in Spain. My notary in Spain has made an Escritura de Poder Especial, or Power of Attorney, to cover my property and finances in Spain, naming as my attorneys my daughter and son-in-law, who are resident in the UK. The Spanish notary has told me that I need to register the…
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Foreign Currency Exchange
I hope this is the right forum for this post. I have deposited some Hong Kong dollars into my HSBC HK bank account and need to exchange this money into GBP. I would be interested to know whether there is another bank / other options which offers a better exchange rate than HSBC UK? I have read that revolut and wise are…
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What happens if you have Holiday Insurance twice and need to claim?
Hi all Early in the year I took out an annual Holiday insurance policy with Zurich. Six months later, whilst booking a holiday on the website Booking.com I clicked the box to take out insurance (Axa) (forgetting that I already had an annual policy in place). Unfortunately, in August I slipped and broke a bone in my back. I…
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ATM's Peru
I'm going to Peru next month. Plan to use my Barclaycard rewards credit card for cash withdrawals. Trying to research which atm's don't charge fees. So far it looks like Banco de la Nacion (multired) don't have fees, BCP maybe, Scotiabank is fee free for Global ATM alliance members which i believe Barclays is?
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Three years to get debt free
Morning, I have had a diary on here before but had to close it down. I am a single mum with an 8 year old DD. I have found myself in debt since the age of 18 when I went to university and have been in it ever since. I decided to change this in 2017 and then found myself a single parent in 2018 and having to attain more…
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Rent out and rent new? Or sell and buy ...
My house is up for sale but can't find a decent property to buy in the new area in my affordability range, so I'm considering renting mine out instead and renting in the new area (as I'll be able to live in a better quality property in a nicer part of the new town this way). Also I'm unsure whether I may want to return to…
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Smart Parking - DCBL - Pay within 30 days or legal claim
I received a letter from DCB Legal demanding payment of £170 within 30 days or else a claim form will be issued. This is relation to a Smart Parking PCN issued in 2023. The PCN pertains to a lease vehicle that I no longer possess and relates to an alleged parking contravention at the Fiveways Car Park, Birmingham. For the…
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£50 penalty for changing my mind?
Got a quote through a comparison site for home insurance. Paid the amount although policy not due to start until 16th November. Then my current insurer (I know, it always happens) came up with a considerably better price. went to cancel the new policy (intelligent Finance) who refunded my paid premium less £50! (cancelled…
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Parking Control Management - PCN
I wont bore everyone with screenshots and specifics (unless advised to of course). Long story short a vehicle registered in my name was parked in a restricted area (albeit a poorly signposted one at that). No windscreen ticket, just a letter in the post a month later asking for £60. Any point appealing or best to just wait…
