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Pension Transfers
My wife is 68 and has a Personal Pension with Octopus (formerly Virgin) called a Self Drive. . Octopus do not permit the taking of a 25% tax free lump sum and also only pay out as lump sum. They suggest she transfers it to a company that does. Do anybody know of a company that permits transfers in - then a 25% She has her…
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Coventry Building Society
I have a 1 year fixed rate ISA that is due to mature on 31 May 2026. I am expecting to hear from them regarding maturity options, but nothing has arrived so far. I believe the default option is another 1 year fixed rate ISA at Coventry, which I do NOT want. Unless they have something better on offer for maturity than their…
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Small pots £10k rules - the latest mse email
Just read the latest email email explaining pensions. Read the low incomes tax reform group website too. What's to stop someone who is age 55, working and in the 20% tax band from starting a small pension say £6000, getting 25% tax relief making it £7,500 Then cashing it in. Getting 25% tax free £1875 and paying 20% tax on…
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Travelling to Malaysia via Dubai
I booked a holiday to Malaysia in Jan 2026 for June 2026. The flight is indirect via emirates with a stopover in Dubai. My flight is in few weeks and I still have not heard from Emirates or Carlton Leisure (where I booked my flight) of if the flight will go ahead or needs to be cancelled. I don't know if it needs to be…
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Money Claim online response
Hello all, looking for some advice if possible. I've gone to Money Claim online to complete an acknowledgement of service for a claim from DCB Legal on behalf of Eurocarparks. I'm well within the 14 days but I have the following message: "A bar has been put in place on this claim. You cannot respond to the claim at this…
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Pension credit application - what is savings
hello, when the savings amount is filled in is it literally everything in bank account. I ask as UC did not count the months income until the next month as you used it during the month it was received - I cannot find what Pension credit does. This is causing confusion over what to put and I don’t want to get into trouble.…
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Best short term savings account
Hi, I've just taken partial retirement and received a lump sum which I'm still trying to decide what to do with. Any advice on where to hold the money in the meantime would be very helpful! Some of it is already earmarked and I plan to open an investment ISA so I'm just looking for something short term and with easy…
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Plug in solar
https://www.euronews.com/green/2024/07/23/solar-balconies-are-booming-in-germany-heres-what-you-need-to-know-about-the-popular-home- There was an item on radio four about a booming trend of pug in solar, in Germany. I got the impression that you just plug it into your 13amp socket and it gets used by your appliances. Have…
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Monthly bank charges
As I pay tax on the interest I earn on my savings with certain banks, can I offset this a little by claiming back the bank charges I pay monthly just to have the account?
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Issue returning online orders on time due to no reply from retailer.
I'm currently in a situation with Debenhams' online site. I ordered 6 items together on one order & needed to return some of these items. About half of the Returns went smoothly, but the other half had various issues which I couldn't resolve on my own. I immediately contacted their Customer Services Department by email (no…
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Capital Gains on Inherited Property
Hi all I'm a bit confused as to whether or not we need to pay capital gains tax. Mum died end of February this year and the sale of the house is currently taking place. The house was in trust for myself and my sister. As the property had been held in a family trust, probate wasn't necessary. Mum had lived in the house…
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CEL court claim 2026
Hi all I hope you can help. I received a civil enforcement fine after parking at a retail park to go shopping with my daughter. One of the shops had a card machine not working so I had to walk into town to withdraw cash. The waiting time was apparently 2 hours (although I did not notice the very small signs) and I stayed 2…
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Trading 212 ISA account being terminated
3 years ago I opened up a cash ISA with trading 212 as the interest rates seemed to be the best around at that time and continue to be good. I have been happily paying into this every year and was horrified to have received an email to say my account is being terminated in 30 days. I don't have any other accounts with…
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Ocean Parking PCN – 13 minute stay – JustPark would not allow payment – IPC/IAS advice please
Hi all, I’ve been reading through the NEWBIES thread and would really appreciate some advice before submitting my first appeal to Ocean Parking. This is an IPC operator, so I understand the second stage would be IAS if they reject. Facts of the case: Location: Harris Academy Chobham Car Park Operator: Ocean Parking PCN…
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Bay Sentry via DCB Legal, issue date 9th September, POC has pleaded the alleged contravention
Hi all My wife has recieved a Claim Form from 2021, she cant remember much as was years ago. She has moved house a few times so must have been missing all the other warning letters n debt collectors letters etc. From what she does remember she was visiting a friend who was living in a flat within a controlled parking zone…
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Fitted furniture nightmare
I just bought my first home. It requires a lot more renovation than initially anticipated! I figured I would get some decent fitted furniture for the bedrooms whilst I work on the rest of the renovations myself to try to save money. I contracted a prominent, premium national wardrobe company charging over £6000 for 3…
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Water Hammer dilemma - particularly regarding costs
Having read a few threads on this topic, I can see this is a common and frustrating issue. I am in a rental, the lady below me owns her flat. Almost every watery thing causes water hammer. Very bad from the shower in particular and I hear it from washing machine, but kitchen taps by washing machine also cause some noise.…
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PIP review – reuse original answers or reword?
I’m helping a family member with a PIP review and looking for real-world experience. Their situation is fairly straightforward: They broke their neck in childhood. Pioneering aurgery repaired it but left permanent damage. They can walk, but have ongoing pain that comes and goes and affects them day to day. I have the…
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Smart Parking and DCB Legal
Good day, Thank you in advance to everyone. My sister has received a Letter of Claim from DCB for Smart Parking. There is a mention of mediation, and at the request of the vehicle holder, have the rules changed? Do we need to use the reply link in their letter or wait for another letter? This seems slightly different to a…
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DCB Legal, help after response to letter of claim
Hi, just wondering if someone can help me I’m not very tech savvy. I received the £170 from DCB legal for parking fine from 2021. I responded to the letter of claim with the template I found on threads on here. They have replied with a lengthy email saying if I don’t make payment within 30 days there will be a claim and…
