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Are help to buy ISAs dead?
My daughter has a help to buy ISA with Barclays Bank. All help to buy ISA offer “Pants” interest
rates of ~2.5% compared to other ISAs of say 4.5% - 5% Furthermore the limit for a help to buy ISA house
purchase limit is stuck at 250k (450k London) The
average house price in the UK is now £270k as of 2025. So in reality the…
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UK ETA (I'm a dual national)
Hello, I am flying back to the UK on Monday. I'm a dual national - British and Finnish. I have for years and years travelled around Europe with just my Finnish passport and this trip was no different - my UK passport is in the UK and I'm in the EU. I completely forgot about the ETA now in place though. According to the…
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Parking charge notice for entering and leaving car park in 7 mins without parking.
On 14th this month my vehicle was driven into a Parking Eye car park. Driver too busy carefully negotiating the very tight corners around the first level of the car park in a newly acquired electric car to notice any signs. Went down to the lower level stopped briefly but for various reasons decided this was the wrong…
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SUCCESS - PCN for “failure to claim free parking session” cancelled by Bank Park
Update: SUCCESS!!! Bank Park Management cancelled the PCN :) Original Post:___________ I received a NTK letter with a £100 parking charge for “failure to claim free parking session”. I had already sent them an appeal request email before finding this forum, asking for further evidence that shows I didn’t claim the session,…
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Lebara - Best way of getting back onto a MSE deal?
Hello,I've been with Lebara quite a while, and I'm now on their standard pricing. MSE tells me they're doing cheaper packages for new customers. Is my best option to port away from Lebara to a different network, and then go back after a month, or are Lebara happy to move existing customers onto deals? Thanks.
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Used Mobile Resellers
Just over a year ago I bought a used Samsung mobile from a reseller on Ebay. After using it for a year, I decided to upgrade found an online recycler offering a good price for this model. I sent it into them but to my surprise they rejected it saying the phone had been repaired with an inferior screen. I haven't gone back…
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CALCULATING GAINS ON SHARES FOR CGT PURPOSES
NAME PRUDENTIAL PLC QTY 1000 PER SHR 6.4426 PAID 6,442.60 BROK 8.00 STAMP 32.21 PTM NET 6482.81 PRUDENTIAL PLC 1500 7.201683 10,802.52 11.00 54.01 1.00 10868.53 AND SOLD THE SHARES AT PRUDENTIAL PLC 2500 7.214902 18037.26 11.00 1.00 18025.26 I BOUGHT AND SOLD THE SHARES AND WANT TO WORK OUT THE GAIN FOR TAXES. HOW DO I…
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Overpayment Recovery Of State Pension & PIP
Hello, Not sure this under the correct category but the nearest I could find. In Brief, My wife died last October (5th) . I filled in the 'inform everyone' form . I do recall getting a letter saying nothing was owed at that time . (need to find it) Today and yesterday I have received two letters, one regarding state…
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Holiday insurance
So I bought cover for my daughter for travel , an annual policy. my daughter now has elevated liver function tests results. she was having a routine medical prior to her job. she will probably need further investigations for this and we have told GP. we should go on holiday Tuesday and she is well in herself. if the…
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How much water do you use
UU tells me that a 4 person household uses 450l a day. We used 288l so in my mind, we're doing well. We flush every time, we power wash the cars, we do laundry and dishwasher whenever we want, shower/bathe every day (sometimes twice ) All for £54 a month (up from £43) But what if that 450l is ancient data? What's to say…
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Loanpad P2P - Reviews, experiences, info or updates, post them here. I'm having a dabble.
Morning all I've seen this name pop up a couple of times in various threads, but can't see that there is a dedicated thread for them. I've had a quick look at their website, and on the face of it, it seems like a pretty good deal, somewhere between cash and a S&S ISA. I realise that capital is at risk, and the interest…
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Inheritance tax question - gifts put into savings
I have recently lost both my parents, a few months apart, and have received an inheritance. With the value of my home, and being single, this now raises the issue of inheritance tax should I meet an early demise... IHT is not something that's ever really been on my radar before so I'm trying to educate myself. I am…
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First Direct Perks
Seems like a new reward scheme incoming?
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Missing/Part years National Insurance contributions
So I have a part year of NI contributions for the tax year 1994/5. I was made redundant on 31/3/1994 but received maternity pay from my employer in the April, May and June on which I paid NI contributions of £111.11. My baby was born on July 20th and I have confirmed with HMRC that I do have Home responsibility applied…
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Can anyone help please with a debit letter
Can anyone help please. I received a letter from A RUk asset recoveries limited. The debt is for a shortfall in a mortgage from 32 years ago, and a court order dated 2001.The letter states that judgements are exempt from Limitations act 1980 and remain live and payable. They are asking me to fill in a financial summery and…
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Chase UK discussion
Thought we would have heard something by now
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Which of these Vanguard options is best for a first-time investor?
So I'm planning on investing with Target Date Funds as per Ramit Sethi's advice, for those who just want the most straightforward approach. I'm thinking of just choosing a 5-year option for now to test the waters a bit. I was originally thinking of picking this…
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Washing Machine
Hi all I hope this is the correct place for this post I'm at my wits end looking to buy a new free standing washing machine which has a quick (1 hour or less) cycle which will wash at 60 degrees C. Can anyone help please? Many thanks :)
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How much emergency funds to keep momentum?
Hey there, long time lurker on this board. Without posting war & peace my partner and I found ourselves in around £80k of combined unsecured debt by the end of 2023. This was a mixture of existing debt from silly spending habits, house renovation and then failed fertility treatment which really turned it into something…
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How long does it take to open a RBS bank account?
Just that really, trying to open an account, got all the way through to the online ID verification thing which it says both parts were passed successfully and that they'll be in touch - just wondering how long it's going to take.
