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Buying house with a restrictive covenant to maintain retaining wall next to train tracks
I am in the process of buying a house directly adjacent to train tracks. The house is a leasehold with 3 separate leases; 1 for the house and back yard, and 2 for the garden, all adjacent to the train tracks. The covenants / legal obligations of the lease say that '12. You must maintain the retaining wall at the property.'…
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The Mortgage Free in Three - Take 7 challenge (MFiT-T7)
A three-year challenge for all of those who are want to pay down their mortgage (or save for house-related expenses) over a longer time period than MFW. First of all, a huge thank you to trix-a-belle who ran the 4 and 5 iterations of this challenge, inspiring many of us to stay on track (and becoming mortgage-free…
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How accurate does a tax return need to be?
My fault that I'm not as organised as I should be but I've just discovered I'm missing a P60. I can do a fairly reasonable guessimate for the numbers and update with more accuracy in a few weeks. Will that suffice? I had to do similar last year with my foreign paid pension as I had no easy way convert the numbers into GBP…
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Current Account, Overdraft and Cheque
I've just sent off a paper application form for a regular savings account with an attached cheque for £500. The current account that I have a cheque book for rarely has a balance of more than a few tens of pounds. I could now shift £500 to this account in the expectation that the cheque will be presented at some time in…
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Full Fibre Question
I have Sky Superfast broadband currently but noticed their price for full fibre is cheaper. So here is my question… I live in a terraced house. The connection for fibre has been added to all of the houses in the street at the front. However my main telephone line comes in at the back of the house ( the telegraph pole is…
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How to get my tax rebate?
This might not be the right title for this but could not find another more suited to what I am asking.I have been told I have a tax rebate in a letter from the HMRC which I know is genuine but have been unable to get the site to 'recognised' me on their site despite whatever I did many times over. I also rang on a few…
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Joint Instant Access Savings
I require a joint instant access savings account that is managed via an app, preferably without an annual bonus. It is important that a withdrawal appears in the linked bank account almost immediately. Any suggestions?
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Utility Warehouse take over my TalkTalk broadband contract and raise the price
I was on a TalkTalk Broadband 24-month fixed-price contract (well, the price goes up by £3 every April, but otherwise fixed.) TalkTalk recently transferred this to Utility Warehouse, who are charging me £5 more per month. Can they do this? I signed up for a certain price. I can see nothing in the TalkTalk smallprint about…
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Locking In Annuity Rates?
I have a friend who would be a perfect candidate for an
annuity. No dependents, very risk
averse, no existing DB pensions apart from the state pension. He’s reached the point where he almost certainly
has enough in his pension to fund his retirement, and now he’s looking to
downshift and just tick over until pension access…
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Debt collectors letter but PCN never received
As title, I have received a letter from Debt Recovery Plus, offering me an exciting opportunity to pay them £170 as I failed to pay a PCN from Gemini Parking, which I never received to start with. I have checked my V5C and it has correct address. I know the letter is not worth the paper it’s written on so will not be…
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EDF has added a random account & property to my app profile
I discovered by chance last week when logging into the app that EDF has added another account to my profile on the app, connected to a property that I have nothing to do with at all. I can see the full address and the name of the person who lives there, plus copies of invoices. To stress, this property has absolutely…
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Outfo Energy switch problems
Has anyone had problems switching to Outfox( from Eon)? I was supposed to switch back in September, we're now in January. My Eon account is settled, but each time we get to switch day I receive an email to sat that my DD has been cancelled. When I call customer services, no one can explain why, and then have to start the…
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Ebay hanging onto my money
I haven't sold on ebay for probably a year so when I sold and posted something this week I wasn't surprised that my funds were on hold until delivery. On reading on here about simple delivery I see my responsibility ends as soon as the item is scanned. So shouldn't my funds be available as soon as that happens ? It's not a…
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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…
