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Changing a covenant in a lease on lease extension
My friend's flat has an onerous covenant that makes it extremely difficult to rent it out. This is great in a way if you live there as owner occupier blocks are always going to be much better than ones where a lot of the properties are rented out in my experience as a landlord myself. He is in the process of getting his…
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Flexible ISA transfers
Hi. I have a flexible ISA from last year 23-24 with Paragon (double access). This year's 24-25 is with Zopa (unlimited access). What I planned to do is max out the Zopa one before April. Then in April draw most of the Paragon one out and pay towards mortgage. THEN transfer the Paragon Isa (with say £2k left in it) to the…
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Community Utilities charging excessive fees – is this allowed?
Hi everyone, I wondered if anyone has come across this situation before or has any advice. Our water was originally with LEEP Water, and we used to pay them directly. However, the company that owns our building has now put a third-party management company called Community Utilities in the middle. We can no longer pay LEEP…
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CGT - Help
I need to pay CGT and have come across a accountant company through FB it's named TaxRfundsRus. Has Amy body used them before? I have been quoted £250 plus vat for CGT for 1 person. Or should I use someone local to me? Thanks
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HP ENVY LAPTOP
Hope all is well Please can you advise why I get page unresponsive or the page is slowing Firefox when I use ChatGPT as the only other thing open is mail, and my accounts package? The laptop is less is just over a year old? As tried edge IE Chrome Firefox get the same, do I need to take the laptop top in for a check up, or…
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Flight delay and cancellation compensation, Easyjet ONLY
MSE Official Insert: This discussion thread is linked to from our Flight Delays Compensation guide. Please read that for full help.
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WEBUYANYPHONE.COM -- a warning
THIS IS A WARNING TO PEOPLE WHO ARE LOOKING TO SELL THEIR PHONE OR TABLET ON WEBUYANYPHONE.COM I sent these people an iPhone and an iPad. They received both on Thursday 23rd March. Despite the iPhone being in flawless condition, they claimed it was "good" rather than "excellent" and dropped the offer price. To avoid the…
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Cracking mortar on brick? Is this a big problem?
Hi. I am looking at buying a house, which was built in1900. It's an end of terrace. I have just been for a second viewing and I have noticed these cracks on the outside wall, close to the roof tiles. Does this look like a big problem. I want to have a survey done, but wondering if this would warrant a more in-depth survey?…
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S21 notice
We are selling our rental as it has been sold, and the new landlord wants it vacant, so we have issued a s21 notice giving 2 months notice This has been served, but can the tenants still give 1 months notice, for instance if they have found somewhere else already? Or is it a case that because the 21 notice has been served,…
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Rainwater harvesting & pumping
I was out and about for work the other day and saw on an allotment someone was using an IBC (one of those big cube shaped plastic containers in a metal cage) to collect rainwater from their shed roof. What with the heat, dry weather and cost of water I was thinking of something like this at home. I've never installed a…
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Why no Class F exemption for council tax?
After mum passed, I informed the council and they said there would be a 6-month grace period during probate (which I've just applied for). Yesterday (4 weeks later) I received an email from them asking for the name/address of the executors for future correspondence. I gave mine and my sisters name, and mum's home address…
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PCS acting for AM Parking £120 Notice to Keeper
Hi all, A relative has received a Notice to Keeper from PCS acting for AM Parking
claiming £120. Can I please confirm that. This would make the NTK POFA 2012 non- compliant for Keeper Liability as this
exceeds the £100 permissible on a Notice to Keeper? I can't find the relevant
terms within schedule 4 so wanted to check.…
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State pension amount
Hi, I'm 70 next month, married for 40 years, and started receiving my state pension in June 2021. I actually retired at the end of March 2017, after 42 years in local government. Looking at my NI record on HMRC website, it says full year contributions for every year since 1975 ( and 4 years prior to that ) I'm was just…
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housing association,unrepaired leaking roof,causing concerns.
in 2024 several of us in our small block of 8 flats noticed a leak in the roof in our communal area,this is an entrance way that go,s to 4 flats downstairs,4 flats upstairs.this was reported too the repair line and nothing happened.it was then reported to our previous housing officer,eventually at the end of the year in…
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Updraft sold account to Perch capital but never issued default notice or default
Hi, wonder if anyone can shed some light on a development in one of my lenders that I’ve been trying to get a default on. I stopped paying 2 Updraft accounts my regular monthly payments back in March (on advice from the forums on how to manage my debts that I can no longer pay). After a few months of hassle from Updraft…
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Section 75 claim goodwill settlement rejected, but paid anyway
Hi, I would be grateful for some advice on a section 75 claim we are in the middle of, after our charge back was rejected and escalated to a section 75 claim. We brought a car from an independent dealer in Nov 24 after our previous car was written off in a crash. We took out a 0% purchase credit card especially to do so,…
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UC making up my earnings amount so they dont have to pay me.
i was made to migrate from working tax credits to uc in 2024. after 1 year they are now mandatorily making my take-home pay figure £1,642.72 (the Minimum Income Floor amount) every month, despite me earning less than half of this amount. this means that they are no longer giving me any financial aid. so im now receiving…
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British Gas / Centrica / Hive won't honour substantial prize win - what can I do?
Hi all, a long one here, I'll try and keep it as short and
to the point as possible. Earlier this year, we attended Grand Designs Live event, and
entered a competition run by Centrica Hive (British Gas) for a full
installation of an Air Source Heat Pump (ASHP). I have never won a prize so was
delighted to get a call a few…
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Annexe water supply connected to neighbours meter
So as the title suggests, we have an annexe at the bottom of our garden and have discovered the water supply is connected to our neighbours water meter. A bit of background, we purchased the house around 18 months ago with the annexe included as part of the property. The annexe was built by the person we purchased from…
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EDF TARIFFS / SEPT 2025
Hello, Anybody with EDF.. have you decided your next tariff? I am on the Essentials Fixed 1Yr Sept25. I can’t decide whether to select the ‘Simply Tracker’ Sept 26 (£50 disc off standing charges) (prices rise and fall in line with Ofgem’s price cap) OR opt for the ‘Simply Fixed’ with rates and standing charges for the…
