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Completing IHT403 Gifts
Hi I have just started to complete IHT forms. FIL gifted £5k to 2 relatives this tax year and has now died. His estate is liable to IHT. When completing the form can anyone advise where I claim on the form the £3k allowable for 25/26 and 24/25 ( he didn’t use his allowance in the previous year) . He was also giving small…
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Paying into a SIPP when reliant on UC - any advice?
Randomly started thinking about pensions today. I am 50 and reliant on UC for health issues. I sincerely doubt I will return to work so am pondering if I should try and pay into a private pension/SIPP of some sort now to help bolster any state pension I qualify for. Would £25 paid in a month + some fees be worth it? Or…
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Smart parking dcb legal ccj issued
I've been fight a parking charge for a couple of years various letters from various legal teams ( I have photograph proof the machine wasn't working) I just moved house last month ( been very busy and just haven't updated my new address yet with them) and how found out through a phone call my royal mail redirection hasn't…
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CGT - Bed & Breakfast Rules
Hi - In tax year 25/26 I undertook a manual Bed and ISA transaction in order to crystalise a gain on an OEIC position below the 3k CGT threshold. Stupidly, a few days later I bought some further units of the same position in the same non-ISA account which I realise triggers the bed and breakfast 30 day rule, resetting the…
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High Income Child Benefit and Self Assessment
Currently going round in circles with HMRC. Long story short but for the 24-25 tax year my wife earned 64k total of bonus, mileage etc. We received payment for 2 children. So about 2.1k for the year. Of the 64k she has paid about 2.5k into workplace pension. We spoke to HMRC multiple times and because she didn't want to…
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My experience of buying my first mobility scooter
Just for what it's worth ... Got to the point of needing a mobility scooter, and everybody said "Oh you must go to your local showroom, get expert advice and try some out. What works person for one doesn't work for another" yada yada yada. Which is fine except we don't have a car and the local stockist is nowhere near a…
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Crafty way to withdraw cash with much lower fee !!!??
If I was to buy my own credit/ debit card reader (£12 ??) and link it to myself, and then used my 0% credit card to pay myself however much (at around 1% ?? free from card reader) and then banked that money and stoozed it for the length of the 0% credit card offer (... or in other words made a purchase - to myself) is this…
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Instant Gold Coffee
I'm a philistine when comes to coffee, happy with instant milky coffee. For years been buying the Aldi own Gold freeze-dried and never used a full spoon, the last jar I started using more ( i don't think my taste has changed) I had a search and noticed others complaining. Decided as was having an Asda shop would get theirs…
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Communicating Change of Circumstances with Creditor
Good morning My partner and I are going to be splitting up this year and selling a jointly owned house. I'm going to struggle paying my credit card bills next month. I had my heart set on cancelling direct debits and starting saving for a DMP as they default but reading further threads some people have had success talking…
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Cheap Energy Club tariff update
"How do I update
my usage or tariff details on my Cheap Energy Club account? To change your
usage or tariff details, log in to Cheap Energy Club. On your dashboard, click the Edit
button next to your address (or click 'Edit' at the top of the results page
next to the details of what you're currently paying). Either will…
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POP Telecom - Watch out for router charges (With advise)
Be aware, long read. If you are coming to the end of your contract with POP Telecom and looking to cancel or move services elsewhere you need to be aware of a practise they seem to have brought in from around August 2025 which is still occuring. For backstory I cancelled my renewal with them giving 30 days notice as…
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Extending backpackers travel insurance
hi, my son has been travelling in Asia for 8 months and has decided he wants to stay another 6 months as he has now qualified as a scuba diving instructor. He took out an initial 8 month single trip policy with LV insurance who have been excellent- he has already claimed for a stolen phone and they paid up quickly. They…
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Climbing the Mortgage Mountain step by step
Hi All I've returned to MSE after several years away, I was previously here under a different user name. I have previously been mortgage free twice in my life and both times, just as things should have gotten easier, life threw me a curve ball! This most recent time my marriage suddenly imploded and so, at the grand old…
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Resolvecall
Hi All I am worried sick they are going to call at my home 10 years ago I hit on hard times with credit cards and agreed with the bank to pay the dept off at £5 a month From then till now I have done that The bank sold my dept on to a DCA and I received a letter from the bank telling me they had done this and I didn't need…
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My Community Bank savings question
My Community Bank savings account has recently matured and its automatically transferred to a Castle Community Bank account. I am trying to withdraw the money from this new account as the interest rate is much lower, but for the life of me I can’t find a way to withdraw my money! There are no options. I’m being thick but…
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Airline claims air traffic control caused delay/cancellation - how do I check?
We were very recently waiting to board a plane for a booked holiday when we were informed the flight was cancelled. They (Easyjet) were unable to offer an alternative and therefore are (haven't yet) refunding the holiday cost. However we are unable to claim compensation for other costs (petrol, parking, overall hassle,…
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Affordability complaints?
In 2017/2018 I was living in my 1500 hsbc overdraft, maxed out on my hsbc credit card and got a loan with hsbc to pay those off and cover day to day life.I then consolidated and got a bigger hsbc loan - 18k which then meant I had more payments to make each month, I got a 4500 mbna cc followed by an aqua card where the debt…
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Business address/virtual office recommendations please
I have set up a LTD copany under my home address which has been inactive fore a copel of years. I am now looking to start trading. As I work for mhome and on the computer and telephone only,I need to register my business at the differemnt address to my home one as I don;t want any client;s etc knocking up my door. So…
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UK retirement planning tools
Hi,I'm looking for a DIY retirement planning and drawdown tool that can make suggestions, especially around tax. There are lots of options in the US, but in the UK I can only find a product from Retireeasy.co.uk. Does anyone have experience with this tool, or know of UK alternatives? Thanks,
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Currys same day collection
Hi im after some advise, On Sunday (25/1) I ordered a TV online with currys for same day collection. I paid with a gift card. I got the confirmation email saying they were getting it ready. I went to the store 2 hours after placing my order to be told it wasn't on their system and I had to wait for the 2nd email, they also…
