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Economy 7 / dual rate
Hi, I feel very stupid about this but it's only recently that I realised there is such a thing as a flat rate for electricity rather than day/night rates, which is what I've always had. I've lived in my current flat since 2020 and it's only electric so I now understand its an economy 7 meter. When I look at comparison…
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C1 form completion help
I am looking for some help regarding the completion of the c1 form, I naively thought it would be more simple than it is. Page 1: All ok. Page 2: Box 1: How do you name the “Sheriffdom” for Glasgow? Box 2: I am the executor of my mother’s estate along with my sister, could anyone suggest wording for this section? If I am…
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Cash ISA transfer - Charter to Vanquis
Has anyone transferred a variable cash ISA from Charter to Vanquis? How quick are transfers? Do they both use electronic systems?
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BW Legal LoC - Permit Holders Carpark
Hi guys, I've just got home from some time working away to see that I have a LoC from BW Legal on behalf of Armtrac SS, the 30 day window to respond expired 2 days ago which I missed. The charge applies to my vehicle being parked with no permit in a permit holders only 'carpark' belonging to Harbour Hotel, St Ives which…
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NatWest Premier Account
Hi, Does anyone have a NatWest Premier Account? I have tried numerous times to find clarity on the income required for the account. It says a sole income of £100k - but not if this is gross or net. If It’s net then you need £8,334 a month paid in. If Gross, that payment is a lot less depending on various deductions that…
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Successful complaints about private parking tickets - how to get them cancelled!
:D A happy thread of successes against private parking tickets by complaining! This is an ongoing record of cases where a motorist has succeeded in getting a private parking charge cancelled, simply by making an assertive complaint to the retailer/landowner/cinema/hotel/services (or other misinformed idiot) who naively…
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Cleaning concrete imprint ?
appreciate any advice please I have just had building work done at home and despite the builder assuring me he would protect my concrete imprint patio and driveway he didn’t So now it has chips and chunks out in parts and concrete/ cement stuck to it in various places , his answer is he will use acid to clean it but surely…
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Best Bank Account for Business in 2026
Hi there, I have been using Revolut Business for our limited company, when trying to open with Barclays they just delayed the process and we needed the account, at the moment I have a appointment with Metro bank, but was wondering if you could suggest other banks ideal for business. Financing is not easy with Revolut in…
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AIB £200 Switch and Save offer (13/04/2026 to TBC) - NI only
AIB (NI) have today launched a new switch and save offer. T&Cs. Switch (£100): Open a new Classic Account and switch an account into it using the Current Account Switch Service, deposit £1,500 into the account and set up 2 active direct debits on it within 30 days of opening the account. Save (£100): Open a new Regular…
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Discretionary Trust and Capital Gains implications
I wonder if anyone can give me any advice, my father died in 2005 and a discretionary trust was set up for his half of the house for myself and my sister. My mum lived in the house and died in 2024 and I am now being told that I am liable to pay capital gains tax on the property. Would this be for his half (ie the profit…
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Equifax: Has anyone else had a problem cancelling their subscription?
I wanted to use the Car Loan checker via Equifax as mention and linked to in many of the posts about the recent car loan claims. They clearly state you can join and then cancel anytime within the first 30 days. I'd argue it's not that easy to do and have spent considerable time trying to cancel mine. They even confirmed…
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Help Surrounding business mileage rates
Firstly, I am not sure if this is the right section, please let me know if there is a better suited place. I am looking for advice surrounding the amount per mile that I should / can receive from my work place. Useful back ground information : Receive a car allowance Using own vehicle All mileage is claimed as home is…
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Children's Inheritance
My husband died recently and left money (approx £8k each) for his niece & nephew (8 and 14 years old). I am to have control over this until they are 21. The money will be theirs at 21 however he had specified he wanted this to cover driving lessons, money towards a car or house if applicable before they reach 21. I do not…
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IHT and Charitys
I am in discussion as co-executor of a will, with the lawyers working the estate. The will states house 320000 to go to a beneficiary a piece of furniture worth 2000 to go to a beneficiary and the remainder of the estate - the residuary estate to go to a British Heart Foundation. As i understand it the IHT is calculated on…
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No planning permission for extension Scotland
My parents recently passed away and I am preparing to sell their home. It is an ex council house in Aberdeen and they added a small extension to the property at the back of the house 7 years ago. I am now having flashbacks to when this was done and there was an issue with a drain cover and they decided to have the…
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Most tax-efficient way for shareholders
Hi everyone, I’m looking for some guidance on the most tax-efficient way to remunerate the owners of our company for the 2026/27 tax year. I’ve recently become a director, and our shareholding is split as follows: • Director A (Me): 35% shareholding • Director B (Partner): 51% shareholding • Shareholder C (Partner’s Wife):…
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2025 Mortgage-Free Wannabes
MFW 2025 - The annual challenge for everyone who would like to track their mortgage overpayments, mortgage payments, or even house-related savings. Feel free to join any time throughout the year. A very warm welcome to the Mortgage Free Wannabe 2025 thread! <3 Over the last few years, this challenge has been providing…
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Irresponsible lending
I've started a self managed DMP and awaiting my first defaults…I've put in irresponsible lending complaints to FOS and all have come back negative mostly saying that although wages were not checked adequate checks were made via my credit score and as I had always managed my accounts well, so my question is can I do…
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Being made redundance but not given enough notice.
Th place I work at is closing 30th April, I have worked there since 2014 left in 2018 and returned 2021. I work part time, two shifts a week. Whilst we have been aware of this the boss has handled it very poorly and now 2 weeks before closing we still have not been officially made redundant and had our redundancy letters.…
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Home Insurance Cancelled After Claim
Last autumn we had a water leak caused by a corroded mains water pipe. The pipe wasn't visible. and we only realised there was a problem when water started seeping through the floorboards (the hole was tiny; the plumber said it had probably been leaking slowly and undetected for months, but it did a lot of damage). (The…
