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ISA approaching maturity date
I have a 1yr fixed term ISA with Kent Reliance that is due to mature on 9th December 2025. Can anyone tell me if I have to wait till 9th December onwards to initiate a transfer to another provider, or is there an industry 'timescale' that allows me to start a transfer beforehand? I think it takes around 14 days for the…
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E: 1/12 (NEW MD) House of Coco
https://competitions.houseofcoco.net/ New magazine daily - 27 competitions are currently open. If anyone wants to post them separately and them delete this thread, please do! 🙂
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POA/Wills
I need to sort these out for my Mum, both the health one and finance, and a will as well - am I best going to one place and getting this sorted? Do they file it on the GOV website for you? Once she's sorted I then need to sort myself out!
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Horizon fine Tesco
Hello My wife hasn't been driving long and still getting used to how things work with regards to these private parking companies. She was issued with a penalty notice from horizon for overstaying at Tesco. Since we were away at the time, she received the letter too late to get the £40 reduction, so the fee stands at £70.…
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Witness Statement
Good afternoon, I have court date following the process on this thread. MCOL, Defence, mediation etc. I have received a witness statement from the Claimant, where they counter all of the points made in my defence based on standard defence template and state they won't be turning up pursuant to CPR 27.9. What do I write in…
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Buildings insurance and house sale/purchase
My current buildings insurance is one of those online policies where you can't speak to a human and everything has to be done online. I've tried the online chatbot but can't make it understand the question... I'm hoping someone here might be able to help, please I'm expecting to shortly exchange contracts on the sale of my…
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investing life insurance payout
I have recently been widowed very suddenly at 54 .. my husband and I were not high earners and I only have a small pension pot built up (I am a nurse), but we had good life insurance which has left me with 250k after all my debts and mortgage have been paid off. I need this to work for me to replace his income. I have…
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Take a peek at my hand?
************************************************************ Hello. I'm an amateur investor with a stocks and shares ISA account since 2006. This is a diary type thread to share my thoughts and to chart the ups and downs. The diary started on 31st December 2014, and I update it at the end of each quarter. I am particularly…
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Beware of SMARTY. Be smarter.
There are a lot of good MNVOs with good customer service, rolling contracts and good account management systems (online or on an app). Using the MSE comparison tool has been great getting deals for Lebara (Vodafone). I would caution people using Smarty though. On initial inspection, Smarty has "good" reviews online, but…
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Civil Enforcement LTD - Small Claims Court
Hi, I've had a Small Claim issued by CEL. The PoC states that I breached the terms and conditions of their car park. The actual particulars are that I did purchase a ticket for one hour (which I still have) but did so 14 minutes after arriving in the car park (was talking to a work colleague) I left 10 minutes later, so…
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Europcar Gozen charges
Does anyone have any experience in being charged a Go zen charge by Europcar? We hired a car at Nice airport and the rental agent led me to believe I was signing for a security deposit and no money would be taken from my credit card however I was actually signing for a 'Gozen' charge and the money was taken from my credit…
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Equity Release Providers
I am intereested in views on Equity Release providers So far I have been in contact with Age Partnership and LiveMore If I understand correctly Age Partnership acts as a Broker who will charge £2000 should you go with their chosen provider but Livemore are the actual providers and as such this charge does not apply…
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Can't download Microsoft Outlook for work
Hi My phone is a Samsung SM J330FN bought in 2019 and it wont download the latest Outlook App....which i need on my mobile phone for work. Do you know... 1...How to find which Android version you have on your smartphone? 2....Which operating system you have on you smartphone 3...How to download an older version of outlook?
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Travelling on a police caution.
Hello there, I am looking at booking a holiday abroad to the Dominican Republic, would I be able to travel there without any issues being's I have a police caution?....the caution ends around march next year. Regards Mr Neale.
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ATM exchange rate wrong way round?!
Luton Airport Departures ATM. Surely they’ve got this the wrong way round. 100 Euro should cost £80-90, not £124.93. I’ve heard of crap exchange rates and charges but this takes the biscuit! The ATM is run by The Change Group, which on their website is quoting €100 for £89.04. Is this human error inputting today’s exchange…
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Cheap Energy Club – Missing/incorrect address when entering postcode
Hi all, I’ve used the Cheap Energy Club for years without issue, but I’ve just come across a technical fault with the address lookup. When I enter my postcode, one flat in my building (mine) doesn’t appear in the results. Instead, the system shows a completely different property further up the street with another postcode.…
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Manchester Building Society Nominated Account
Hi people have said they can view their nominated account details online. Where is this as I cannot see mine? Thanks
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Premier Park County Court Claim Stage
Premier Park have decided to give me a reason to come back here. I've gone through the process before and have had the claim dropped, but it was a few years ago and I've forgotten the process. ABOUT THE CLAIM: I parked in a disabled bay at a car park which was poorly sign posted. My passenger was disabled but didn't have a…
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Pensions Planning: The NUMBER
The NUMBER is how much income you need to "live comfortably" So What's your number? Very important for pensions planning, to know what you are aiming for. My Number? (for a couple) I calculated: £22,000 based on Food £5,000 Car/transport £5,000 Bills/Utilities £4,500 Holidays/Leisure £4,500 Clothing/Cash/Xmas/Other £2,000…
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HMRC and savings interest
I am a basic rate tax payer and this year 23/24 will use all of my £5000 allowance & the £1000 sorry can’t remember their proper names and will need to pay some income tax. On my latest tax code notice 24/25 HMRC have put an amount of £396 for untaxed interest. First I should not have to pay any tax on interest for 22/23…