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Help before court - thanks
Hi All, new here please can you help? I am using your template as I have been sent a 'claim form' to go to civil national business center' my question is, do I need to use ALL the paragraphs? This is what I have got below so far, however when I am using the 'moneyclaim' website it wont accept as it is too long. Any help in…
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Backdated National Insurance Contributions
My husband had his call back at end of April. We were waiting for a second call and were unable to contact them. However 2 days ago my husband received a letter with his payment options and advised of amount depending on contributions paid. The letter states that the Inland Revenue will make a decision when we contact them…
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Does a guarantor transfer when a debt is sold?
My daughter recently completed her first year at Uni where she stayed at a halls, and I had to co sign her contract as guarantor. She met her boyfriend who lives and works locally soon into the course and when she finished year1 they decided to flat share together in year 2, and they went staright ahead and rented from…
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Train discounts/railcard
Hi Is there any discounts for trains going for now or railcards
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Family member refuses to complete IHT403
Hi. Looking for a bit of advice please. I am helping my partner (executor of her fathers will) pull the financials together. As it stands the estate is under the £325k threshold. However we have recently discovered her father made some substantial gifts to two other family members within the last 3 years. It is quite…
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Old unenforceable debt sold to resolve
Hello, not too sure what to do here so hoping for some advice. I defaulted on a Virgin CC in 2020 and went onto a DMP with Stepchange, the debt was passed to Arrow Global/Capquest and in Sept 2021 I sent them a CCA request which they were unable to fulfil so I stopped paying via Stepchange in Dec 2021 and i didn't…
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How deep to fill a planter
I hope I manage to explain this correctly - very much a novice gardener, so let me know if you have any questions! I have a big built planter in the garden, which is currently full of building rubble and assorted rubbish. I've been intending to empty it out and fill with soil so I can get some plants in, but I'm wondering…
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£600K - prioritise ISA v SIPP for new money?
I'm starting to realise that whilst I don't know what the hell "the plan" is yet I'm starting to have more and more thoughts about doing something to reduce work. I can't put any detail on that as I really don't have any - just finding the idea pops into my mind a little more than it used to. So I'm 49 and right now the…
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Best ISA for a new grandchild
Hi my first post as a newbie. Interested in investment for a new Grandchild via an ISA type of savings account that will be invested in long term savings. Anyone ideas on best options available for a long term investment until little one reaches the age of 18. Any advice welcome thanks
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Opos letter of non existent debt
My wife has just received a letter from opos saying she owes money to capquest debt collection via shop direct. We sent a prove it letter to capquest in may and have now received one from opos. First question are they allowed to do this as we already sent a prove it letter to capquest Second what happens if we get no reply…
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Thames Water unable to locate meter
I've lived in my flat for nearly 5 years and for some reason I assumed that I didn't have a water meter (yes, I know it was stupid of me not to check my bills properly). It was only when Thames Water wrote to say they were doubling my monthly direct debit, that I looked closer and saw that all the bills had a meter number…
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Crystallised AVC monies
I am a member of a DB pension scheme and was saving into an AVC. When I took the pension I was able to use most of the AVC to enhance the lump sum. This left me with £1500 of crystallised funds. I originally put this into a HL Sipp, but this was clawed back by the pension scheme as it was outside the rules. A subsequent…
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Taking 25% tax free lump sum now I'm 55. Is it meant to be this hard
I phoned company regarding taking my tax free lump sum now I'm 55. On thier website it says you can phone to make a withdrawal alternatively you can make an appointment with our financial advisor. When I called they said I would have to have an appointment. It's an opted out of serps pension which goes up and down…
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HMRC debt in my name
Hi, I have a vat bill/debt from 2022 from my exs company set up in my name. its for £6500, i contacted the debt collection company chasing it and offered them a full and final settlement of what I could. I'm a single mum of 2 on a low income so don't have spare money to pay! They said no and sent the debt back to HMRC. I…
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Can you access the MSE forum site from outside of the UK
Does anyone know whether you access the MSE forum site outside of the UK ?
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Renovate or demolish?
Hi all, Currently speaking to architects about renovating my house, after waiting a while to save the budget of 400k (3 bed detached Zone 6 London). One architect mentioned that with the budget I have and plans I envisaged for the house, that it would be better to demolish the house and build it from scratch. He estimates…
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Raisin £100
Anyone else not received their £100 bonus from Raisin in the stipulated time?
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Octopus payment changes
Has anyone else had problems changing their monthly payments to Octopus? Tried a few days ago and it said there's a fault. Tried again today and the fault's still there. Thanks.
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Calculate electric usage moving from gas
Hi im shortly getting air to air fitted to heat my home. Is there an easy ish way to estimate the kWh i will need in electric vs gas so I can compare tariffs?
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Direct Debits paid in advance for a service not received yet - can I change my mind?
I've paid DDs to an accountant in advance and sent the information on Friday for them to do the job (an annual thing). But recent events mean that I really have to save money, and I've found a way to get the same work done way cheaper (and probably get a better more reliable service). Can I ask for a refund of my money in…
