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Retirement Interest Only Mortgage
Hi - we have recently paid off our mortgage but want to help our son and his partner with a deposit for a house - they are first time buyers. Our initial intention was to downsize and give them some money from the sale but due to a few issues this will not be happening for a couple of years. I’ve been looking into various…
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Estate agent's description is correct. But not much use.
I am pleased that estate agents are now strongly encouraged to tell the truth about properties they are selling but sometimes they really push the boundaries of what is and is not "the truth". For example, near me there are some very nice executive properties being sold. Amongst the estate agents blurb is the fact that a…
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Apple muncher's number crunching
Time for me to start a diary :j. I work 2 days a week, dd is at school and dh was made redundant in the summer. We are living carefully, although the redundancy money is being nibbled away at of course. We are fortunate to have no debts other than the mortgage, so I would like to get rid of it! We'd also like to have a…
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Selling Shares to buy house for daughter
I have £150k in stocks and shares that I am considering selling to pay for a house. The house…. is currently owned by daughter No2 who is moving away to an island and will be renting for the next year or two. Daughter No1 wants to move into the house, buying it from her sister, I want to pay for it, no strings attached.…
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Fuse Energy - 4g smart meter question
I just got an email from Fuse offering to get me a new 4g smart meter. I'm quite happy to do it but I wonder if anyone has any experience with these. Specifically, I have an in-house unit that I keep a tight eye on and that I don't want to lose. Does anyone know if the 4g smart meters come with an in-house unit? Or if not,…
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My mortgage clobbering post
Putting this here because I'm an enthusiastic mortgage over payer and I have no one in real life to tell! Single parent for 15 years, left in £35,000 of debt by ex husband. (Paid off over 6 years). No maintenance paid in 15 years. Unable to pay capital for many years as I had to use the old endowment policy to pay off my…
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Resilient plants (for a changing climate)
Hi All, I noticed this article in the latest issue of Gardens Illustrated and thought it worth mentioning as it claims "Five expert designers and plantspeople choose their top garden plants that are adaptable, beautiful and sure to grow happily whatever the weather throws at us" These 76 resilient plants chosen by…
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Nationwide card Authenticator gadget
I recently switched to Nationwide and made an on-line purchase using their debit card and card reader authentication. The site said the transaction failed and to try again. That also failed. Checking on the banking app, despite the “failures” there were two payments made from the account! Anyone else had the same problem?…
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Alpha pension scheme, retiring early and AVCs
Hi - I’ve scoured the forum but cannot seem to find an answer to this particular questions. I’m a 53 year old active member of Alpha with an NRA of 67 years old. If I start building AVCs, I understand that I can take them with my Alpha pension free of tax at 67 (I believe the tax free limit is annual pension * 20/3).…
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What happens if you can't afford to pay?
Hi all, After following the excellent advice on this forum regarding non-payment of unsecured debts to force a default, I am now at the stage where letters have started arriving from Debt Purchasing Companies. Originally, I had 10 creditors with a combined total debt of approximately £50k which have all slowly fell into…
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Unauthorised access to the electoral Roll for Estate Agent 'phishing' - not OK - but from where?
I was under the impression that when filling in the annual council tax/election residents list, that this would not be released to any person or company except for legitimate security reasons, whatever they may be, but certainly NOT for any person or company 'phishing' for business purposes. I was surprised therefore to…
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Renewing Driving License Online - DVLA says they cant confirm my identity
hi! Is anyone having problems renewing their driving license online with a new passport? My passport has just been renewed and when I try to renew my driving license online, I get a massage saying that the DVLA can not confirm my identity and that I will need to apply another way.
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An economical, reliable second car ?
Our car is going to be in the garage getting fixed for several days and we really need to buy a second car to tide us over on such occasions. So recommendations please for a small, reliable, second hand car which would be cheapish re. tax and insurance. Fuel consumption not important as it would not be used very much.…
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BT Fibre Offers
Im currently with BT now and pay £20 per month for FTTC with 36mbps download. My phone is with EE which i believe gives a discount but not sure. Full fibre FTTP has just been installed in my area and i would really like the Fibre 500 at the moment its showing £35.99 online for a two year contract with mid term increases.…
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Joining SKY/Vodafone Broadband FTTP - Switching Experiences?
I'm currently with NOW Broadband (FTTC) and was just looking for
some feedback from people who have switched to Full Fibre broadband from Sky or
Vodafone. I'd like to keep my current landline number, so I'm
wondering if many people have had problems with porting their old numbers
across. I've heard mixed information about…
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child born in 2010 martin say may be owed thousads by gove
Hi Hope all are well Marin said news paper that could be owed thousd by goverementt if child born in 2010
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Bank Account Aggregators
HiIt's been a few years since I last used a bank account aggregator to help me see how I'd been spending my money. I used money dashboard and yolt. Neither of those exist now, and I can't find any alternatives. What happened? And are there any open banking alternatives which can help summarise my spending? Everything looks…
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Missing wages
I recently changed my bank account details online (I work for the NHS in Wales) and unfortunately put the incorrect details in. Consequently my wages for April went into another account and as yet cannot be retrieved. My payroll/finance dept. have been helpful but say they can go no further. I contacted my bank as they…
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Buying land and storing materials on it
Hi, I’ve seen a fair amount of land for sale at auctions… if I bought some land like the below (just an example below). Is there anything to stop me lending/ renting the land to someone who might want to store green waste/ building materials on it? Or do you ALWAYS need to ask the council and change the land type from…
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Successful complaints about private parking tickets - how to get them cancelled!
:D A happy thread of successes against private parking tickets by complaining! This is an ongoing record of cases where a motorist has succeeded in getting a private parking charge cancelled, simply by making an assertive complaint to the retailer/landowner/cinema/hotel/services (or other misinformed idiot) who naively…
