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Transfer Cash ISA to Stocks & Shares ISA - remaining allowance has reduced??
Hello, Any help appreciated. I initiated the transfer from Zopa Cash ISA to Trading 212 Stocks ISA, which is now complete. Prior to transfer Zopa app said “£33,424.47 left to save this tax year”. However Trading212 app says remaining allowance is £20,000. I thought as-long as the transfer was initiated via the provider…
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Beyond belief
I want to gift my daughter £10,000 £5k as gift and £5k as a loan, she is buying a property. I have just received an email with attached form to fill in requiring my passport as proof of id, bank statements to prove its my money where the money has come from etc. I am not sure if this is because daughter was short of…
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Duvet recommendations - non natural filling
I'd read a similar thread on here but my question is slightly different I am looking for a new superking winter duvet - probably around 13 tog - but due to allergies I do not want/cannot have one with a natural filling such as wool or feathers, so I am looking for a recommendation for a synthetic filled one. I don't really…
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Chasing up a Right of Access Request
I submitted a Right of Access request (previously known as a Subject Access Request) to the DWP on 30 September 2025. On 7 October 2025 I received an acknowledgement of the request (by text) with a message that "We will reply within one month. You do not need to contact us". To date I haven't heard back from them. It is…
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WFA (Winter Fuel Allowance) overpaid
I haven't found a recent thread about this so here goes. DH and are both in receipt of state pension, under 80, same address. So by my reckoning we're entitled to £200 WFA between us. My WFA of £200 arrived safely, I was expecting it as I'd had a letter. I'm older than him, so I started receiving it a year before him, and…
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The Mental Debt Struggle...
I've known that this diary needed to be started... But I've run away from the idea as the accountability made me nervous and I didn't think anyone would want to read it. But then I realised it would be financially and mentally therapeutic for me, and that's the whole point after all. I've read other diaries and gained so…
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New Curry's laptop, set up but then not fit for purpose, sending back but should it be reset ?
Hi forumites :-) I hope this is the right place..was a bit of a toss between here and the Shopping section. I bought a brand new laptop from Curry's during the current BF offers (was all good on paper), got it delivered yesterday, and then set it up and registered it with the manufacturer (Acer). From its initial very…
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Stellantis Finance
Has anyone on here had a CCA regulated agreement with Stellantis recently? I took out finance when I bought a new car in 2023. In January this year I repaid it early. I never received a statement from them at any time. Under CCA regulations (S.77A 1) firms have to send regular statements (usually annually) to borrowers. If…
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Halifax clarity
Hi, Is there a way of finding out how much the exchange rate is that you're charged on foreign transactions before the payment comes out as it doesn't show the exchange rate while it's pending it only shows the payment comes out on the statement
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Advice - Mortgage
Hi guys, need some general advice please. My current Natwest mortgage finishes in December 2025 and have exactly 2 years left from Jan 26. My balance is £57,000 which is £13,000 capital and interest, and £44,000 interest only. I have just received a payment into my bank account of £37,000 endowment payment for the £44k…
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The Ongoing Saga of Ruby Trying to Own A Home
Hello, new home, new thread. If this is your first time here, welcome, I'm Ruby and together with my husband Mr Eskimo, we're on a journey to be mortgage free. We bought our first house in 2017 and made quite a big dent in the mortgage over that time, mostly due to some inheritance money and taking advantage of a very low…
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Penalty Charge Notice - Grounds to Appeal
Hello, I have received a PCN from Swansea Council for allegedly parking in a taxi rank. The "photos" at the top of the letter have been left blank, as attached. Therefore, I went to the council website to appeal. However, the photos are visible on the appeals page. I would like to know if I have grounds to appeal due…
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Prosperous and Creative Soul Year 5
Close to 4 years ago I finalised my divorce and completed on my biggest ever mortgage - £202K and switched from interest only between 2 of us to repayment on my own. I took the term for as long as I could - so 22 years - which means I would be 73.5 by the time I was actually free. Then I owed c£1.5K on a 0% but had a £2K…
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National Parking Control Group Ltd/DCB Legal PCN – Lidl Paddock Retail Park - Defence Assistance req
Hello everyone! Thank you for the wealth of knowledge provide on MSE. I have
read through many threads and have a good grasp of what the process will
entail. I plan to update this thread at each stage and would be grateful for
any assistance. Background: - Two family members went to Lidl at Paddock
Retail Park, Weybridge -…
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spusu do not support short code dialling - for your info if considering a switch.
so your 159 bank fraud or 7726 for spam or similar things are not accessible.
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Lloyds Bank Payments Technical Issues
Hi, I am wondering if other people are having the same issue as me. If I try to make an online payment through the Lloyds Bank website I get a message that customers cannot currently make online payments due to a "Technical Error". I first had this problem on 14th November, I have been out of the country and coming home…
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Has anyone had any experiences with ReAssure?
How do!. First time posting in the forum (I think) so apologies if I put this post in the wrong section. My question is this, has anyone had anything do with ReAssure? I ask because quite frankly they've been the worst company I have had to deal with and it's got to the point where I'm at my wits end. It started back in…
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Winter Holidays and Heat Pumps
I was talking to someone about getting a heat pump to replace their gas boiler. They spend several months during the winter away from home. With their current heating, it is on the frost setting, so the boiler only starts up when it is below 5 degrees and therefore costs very little. What is the situation with a heat pump?
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IHD from Eon next
I was with British gas after moving in to my new (to me) house. Then changed to Octopus. They installed new smart meters in, or after Feb 2025.I bought the house in Dec 2024.I got a small pink box that allowed me to use their app to see real time info. I moved to Eon next last week. I either expected the pink box to…
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Defined contribution, no drawdown allowed
I have a defined contribution, I have been in receipt of this for 11 years, I took 4k at the very start. I am informed now that I cannot drawdown or transfer to another provider that allows drawdown. Why?
