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Used Car purchase advice
Hi folks I need a wee bit of advice on the purchase of a 6 yr old SEAT MII with 42000 miles on it. It's current status as follows: It's tax was up on 31 JulyI have new owner slip VC5, don't have log bookMOT up at end of December, last MOT Dec 23 exempted last year Car was delivered to me on Friday as was unable to collect…
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Illness close to boarding
Hi, We were just about 40 min from boarding when my younger son started to be sick. He had been a bit unwell during the morning but we thought it was that he was tired and hungry. We had a bite to eat at the airport and that seemed to settle his stomach however just before we were due to go to departure gate we had to rush…
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Flexible cash ISAs between providers
I’ve got an ISA with Tradding 212 and it is a flexible cash ISA. i paid in (almost) £20,000 at the start of this tax year and transferred in another £60k held in previous ISAs so the total balance is around £80k. if I withdraw the £20k I put in this year and then transfer the remainder over to another cash ISA provider (to…
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What should I do?
My partner and I are looking at moving to a new property that’s in a nice area (bungalow style) but needs a bit of work so we can afford the mortgage as opposed to paying a premium for one already done. I’ll have 86k equity from this property sale now and I’ll put 47k down (20%) on a 235k property (rough guess). This…
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Non RICS for survey - HICH
Hi all, Does anybody have any experience of using non rics surveyors? I've found a company called HICH who cover all of the UK whose reviews are very very good on both Google and Trustpilot. Fees are also significantly cheaper - £495 rather for a 4 bedroom house... I guess, is it a risk to go non RICS? My mortgage…
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Microsoft Outlook - Licensing
Hi. Does anyone know whether it is possible to pay for a license for Microsoft Outlook only, rather than paying a M365 subscription? I purchased Microsoft Office 2024 Home for my MacBook, keen to keep my work M365 away from personal devices. However, I recently switched from Apple Mail to using Outlook (I find the UI far…
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Section 75 advice please (Reject Repair?)
Hi, I am after a little advice please. I have a TV from a large UK electrical retailer purchased Nov 2020, it has a 5 year warranty from the retailer which expires in Nov 2025, it is a 75" Samsung The TV has broken down on 3 occasions. Repair 1 - Nov 2023 - Screen replaced Repair 2 - March 2025 TV Kept switching off -…
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LinkedIn - Disgusting behaviour and how to complain and prevent this happening to others?
LinkedIn have locked me out of my account and attempted to take annual payment(s) from my credit card. LinkedIn support or contact can only be made with their account, no email, telephone, webchat, etc. They request government ID documents to unlock my account, however I value privacy and do not wish to give this to them.…
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Amazon Hidden Additional Charge for Substitutions
I have just completed an Amazon Morrisons Grocery delivery order and was shocked when, whilst my order total showed £62.10, the amount taken from my account was £71.44. I immediately contacted Amazon and was told that they add an additional charge to cover for any substitutions they have to send if something is out of…
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Making Claim under Consumer Rights Bill and Section 75 Issues
HiI bought a robot vacuum cleaner on Amazon a bit over two years ago. It first developed a fault when it was about 19 months old and the manufacturer repaired it. It then developed a similar fault 3-4 months later and I tried contacting the manufacturer to get it repaired again, but heard nothing back. Long story short, by…
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Can I get the NatWest £125 switching offer on a sole account if i have a joint account with them?
Just that really! I have a NatWest joint account with my husband. I don’t have any Natwest accounts in my sole name (I used to have one but closed it 2 years ago) The current NatWest £125 switching offer says you must not have a current account with them to qualify. Struggling to know if I would qualify or not, if I open a…
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Maxed out TFC what to do with small uncrystallised pot
I have maxed out my TFC from my SIPP (moving funds into drawdown) and have a small uncrystallised pot left over. I am wondering whether to move that into drawdown or leave as is? Is there any difference? It seems to me there is not on basis of current rules, but I suppose gov could decide to fiddle with the laws in a way…
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Vinted not updating that parcel sent
I've sold multiple things on Vinted over the last few weeks and usually, as soon as the parcel has been sent, it updates the 'conversation' to reflect that and gives tracking details. I sent something yesterday afternoon and another early this morning (both InPost) and neither has updated on Vinted to show it's been sent.…
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Inheritance tax and home ownership
My husband is not named on our home deeds - I am the sole owner, now with no mortgage. In our wills we leave everything to one another. We are in our 60s and he has an illness which is not yet debilitating but will become so. Before his diagnosis, a lawyer had suggested that we get his name added to the house deeds (as…
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Scuffed alloy wheels
Have you ever scuffed alloy wheels on the kerb and if so, have you ever got them repaired? I stupidly, earlier this year, scuffed my two front wheels shortly after driving my brand new car from the dealership. A local guy visited my house and got them looking perfect, for £200. I have unfortunately done the same again, but…
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Companies House Registration
I’m not sure if this is the right forum to advise me? I am one of a dozen of local artists and makers - a mix of amateurs and semi-professionals. We are forming a not for profit group called Chew Creatives, run on a voluntary basis. We are not a registered charity. We do not charge a membership fee. We are also a nomadic…
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LGPS – Two Jobs, Semi-Retirement at 60
Hello, I currently work two jobs and I’m in the LGPS for both. I’m in my mid-40s but only started paying into the fund around 10 years ago, I don’t have any other pensions outside of the LGPS. At the moment I’m working around 58 hours a week, but I’m starting to think about semi-retiring when I turn 60 — the plan would be…
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Cost of Will
Hi an elderly relative has asked me to sort this and given me an advert froma local paper that is a legal will writer in the local village. They will visit and doit and charge £150 for a single will. Does this add anything from just doing it herself. Its a very simple will to leave everything to children. I also realised I…
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Driving a company car and having an accident?
Hi, What happens if i drive a car owned by my company and have an accident. Who is liable to pay for the damage?
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Child becoming adult between taking out travel insurance policy and actual date of holiday
We've booked a holiday for next year and I'm sorting out travel insurance ASAB as Martin recommends. One of our children has just turned 17, and so still shows up as a child when doing the online search for insurance deals. However the holiday is just over a year away, by which point they'll be over 18, and which means…
