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RNRB Allowance
Hi all - I've been around the houses on the internet on this and it's as clear as mud, so yet again I find myself hoping you generous folk can provide the answer! Fil passed away Sept 25, owned his home with Mil (his wife) who remains in the property. My wife is executor. HOWEVER… when we sent the Probate forms in, we got…
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State Pension taxable
I have just received 2 letters from DWP, 1 showing how much my State Pension will be from April 2026 and 2. what my tax code will be. They have stated that my State Pension will be ABOVE the personal allowance and therefore £58 of it will be taxed along with my private pension. Has anyone else had this? I understood that…
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Life insurance
I really am at a loss and whenever I start looking I find myself down many rabbit holes. I am looking for life insurance, not too expensive, just something to leave my daughter. I am 55 and have a few life long illnesses, leading to me being on disability. Obviously as I am on benefits I cannot afford a massive amount but…
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Scotland - is the start date near a year end important?
Hello, I currently volunteer for a local charity. I have now been offered a part-time job for the same charity but different position (I will continue to volunteer) and leave my current job on 26th March. Start date has been pencilled in as 30th March, but there's a debate whether it would be better "all round" if my start…
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Booking Direct With Hotel - Section 75
Good afternoon, We are currently planning our forthcoming trip to Japan. I have made a credit card booking with a major hotel chain directly through their website. This involved paying for the stay upfront. I can cancel with a full refund up to two days before arrival. However, on making the payment I was transferred to a…
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Brewdog Shares
So never had it been cheaper of late to buy some shares. Resellers have these listed for £12 a share, brewdog last offered them for £25, and the last investor sale round sold them for £15. Given they are an unlisted company, it’s difficult to truly value the price of a share. You could take into consideration the online or…
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Managing old Credit cards
I need a little advice on which account to keep open and when to close. I bank with Lloyd's mainly and have a Barclays account. I have 4 credit cards with varying limits. I just took out 2 new cards to balance transfer from 2 existing cards where the zero interest has ended. Shall I close the cards now? I'm thinking in 24…
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In case it applies to anyone else: Re: Hoover purchased at Argos
Hi all I purchased a new cordless Hoover to replace an older model a couple of weeks ago. I always buy spare filters when I get a new vacuum but for the last week or so, despite contacting various spares suppliers, I could not find additional filters. They suggest replacing them every 9-12 months and giving a regular wash.…
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Gigaclear, £51pcm existing customer, only £19 for a new customer
As above, we've had Gigaclear in our village for a couple of years now and its been great. We originally signed up and had a long wait (3 years) until enough people had signed up to warrant the installation of it. Currently paying £51 pcm for a true and very reliable 300mbps. Come to the end of my contract and its still…
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*partial* S&S ISA transfer from SWSD (iWeb) to Freetrade?
I don't usually bother with cashbacks (SFX: horrified gasps), but I'm tempted by Freetrade's offer of 1% (max £5,000) on ISA transfers/subscriptions. (Though not by their similar offer for SIPPs, for various reasons.) I note there are some issues with ambiguous/modified terms around lockin/clawback times/calculation, but…
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Inaccurate old gas meter or reduced usage
I think I'm about to get into a dispute with my supplier about my gas usage. They keep over estimating my usage, compared to what my gas meter is reading. Just noticed that the manufacturing date on my gas meter is 1985. I'm not sure if it's been installed here since then or if it was refurbed and then reused here, but…
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Benefits of buying out leasehold?
Hi Folks, We’re in Northern Ireland and have been looking at whether it’s worth buying out the leasehold on our house. There are over 900 years remaining and the annual ground rent is only £26, so on the face of it it doesn’t seem worth the stress, paperwork, and solicitor fees. Am I missing any real benefits beyond not…
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Lightyear investing platform - new lower fees
I don't think many people know about Lightyear, but they are an investing platform comparable to the likes of Trading 212 and Freetrade. They are relatively new, having launched in the UK in 2021 and are fully authorised and regulated by the FCA. They're also backed by Richard Branson of Virgin Group. Today I received an…
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IHT409 and SIPP
My father died recently and I am completing form IHT400 as there will be some IHT due. He had a SIPP with Norwich Union. My understanding is that SIPP's remain outside the scope IHT until next year. However, I also thought that HMRC liked to check that the SIPP qualified. When I read the guidance notes on IHT400 at page 15…
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Renunciation
Trying to help my sister through a very tragic time. My dear brother-in-law died abroad in Greece last October. Just a couple of days after arriving Skiathos early September 25, he was diagnosed with a bleed on his brain and rushed across the sea to hospital near Volos. Three surgeries to relieve pressure failed placed in…
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help to budget?
Hi I don't know if anyone could share an opinion. I need to make savings due to change in husbands income (2000ish drop). I have done a lot of thinking, but cant figure where to save the last few hundred I really dont want to give up the caravan (have given up any ideas about going abroad) . and its hard to stop supporting…
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Can I transfer my Moneybox ISA to avoid penalty for more than 3 withdrawals
I just transferred my cash ISA to Moneybox (per the Moneysavingexpert most recent email) and I get 3 free withdrawals per 12 months. The interest rate is 4.58% dropping to 0.75% if you withdraw 4 or more times. I don't have any intention to withdraw except in some sort of emergency but I'm curious, if I needed a 4th, could…
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Disputing early termination letting fees – advice needed
We’re being asked to pay over £2k in early termination fees by our letting agent, covering March–October, even though: We paid full rent for March. A replacement tenant moves in 16 March at a higher rent (£3,200 vs £3,050). There will be zero days the property is empty, and the agent will continue to get their management…
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Can anyone recommend an OFF-line conveyancer
Can anyone recommend an offline conveyancer. I've had enough with massively intrusive and overly implemented digital identity checks and untrusted companies hoovering up years of bank statements. Nothing to hide, but these companies are just a disasterous data breach waiting to happen. I'm looking for a conveyencer that…
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ASHP install questions
We have been offered a full install grant, pump and tank with all new radiators etc. We are currently with Fuse energy dual fuel, they dont offer a heat pump concession on their deals. I suppose I will bite the bullet and pay to end the contracts early. However we will have no need for a gas supply. Is there a way to get…
