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Which mortgage broker?
Hi I have recently sold a flat and am temporarily renting whilst searching for a new property. This is taking some time - I had an offer on a ground floor leasehold flat but turned out it had no EWS1 and the broker (L&C) said I was turned down on that basis. However I am 58 and so can only borrow for max of 17 years. I…
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Spouse Inheriting ISA's
I believe that when a spouse inherits ISA's that there is a Additional Permitted Subscription that can be used. My question is would the building society inform the recipient of this at the time ,as I would imagine its something that could be overlooked at a stressful time and may lead to some losing the tax free status of…
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Yet more simple delivery issues
Sold 3 items today. All have been listed for ages so have all been automatically changed over to simple delivery. They are all large letter size. 100g or less. I've been charged £3.38 for postage on 2 of these items and £4.26 for the other. Whats even more annoying is if I go to revise these listings the 'recommend option…
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Notice of enforcement from CDER group (due to PCN)
I know that this forum mainly deals with private PCN's, however since there's a debt collection/agency involved, I thought I'd post the details here anyway. I have already posted PCN related query to FLTA. Thanks. Hi There, Somewhat unusual situation, for us at least. Earlier today, we received a notice of enforcement from…
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Parking Apps - Can you claim a keying error?
I parked and paid at a car park using the Ringo app. My trip
was extended so that I ended up staying overnight and the following morning I
went to buy another parking session whilst remote from the car park. It turns
out that I inadvertently selected the next door but similarly named car park in
the app. I think this…
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Money management fixed rate cash isa - cash Isa - fixed cash isa
when my fixed rate cash isa matures.. I can let it default to ordinary flexible cash isa. Can I withdraw some monies then and re-invest the whole of the remainder back into a fixed isa ie if I had 40k initially , withdraw 10k and then transfer the remainder (30k) into a fixed rate cash isa and also add a further 20k as…
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Intelligent Octopus Go limiting cheap charging.
Octopus are limiting their off peak charging rates on Intelligent Go to 6 hours a day from January 2026. This will effectively be 42kwh max per day but Ohme chargers often lower the charge rate according to the grid thereby going over the 6 hours. Octopus are blaming Ohme, hopefully it will be resolved before the limit is…
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Is this a scam ?
Hi all. Ive just received 2 texts in quick succession from M&S Bank giving me 2 different 6 digit security codes. However I don't have any bank or credit card accounts with M&S. Should I be concerned ? I tried to ring them but because I don't have any account number I just keep going round in circles.... TIA
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UK state pension while living in Brazil
I am a UK citizen by birth. I have now reached pensionable age and am eligible for a state pension based on voluntary contributions. I am fiscally resident in Brazil where I have a Brazilian pension. If I take my state pension payment in Brazil I believe I will lose index-linking. If in the future I relocate to an eligible…
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Issued with parking fine because resident permit had fallen into footwell
I’m renting a flat on a short term basis and the parking is monitored by a private company. You can park in any bay but have to display your resident permit. I always do but on this occasion it had fallen into the passenger footwell. It would still have been visible if the person was looking for it. They’ve given me a £100…
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Buying a leasehold flat has been the single worst experience of my life
I started this process in May 2025 when I had an offer accepted on my first flat I tried to buy. After 5 months of forms, waiting for packs and information, enquires, weeks of back and fourth with very little progress being made, I dropped the purchase. All because the seller didn't want to pay his own fee of a deed of…
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Account sharing issue.
My partner has a number of shares in my trading account worth 12k, having doubled in value. Could I sell an equivalent number of shares in my ISA account and give her the full amount and her be free of any tax burden?
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Investment Bonds
I have been left some investment bonds in a will. Managed through St James They have to be split 10 ways and the total value is about 270k. The financial adviser have advised not to encash the total amount, but to split the investment and allow the individuals to choose if they want to "cash in" or not. I need the money so…
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Solar quote
Had a quote for solar and battery fully fitted for £3900 is this a good system and will I benefit from having it installed company who quoted is emyra solari am with octopus energy and electric estimated usage is 3800kw a year 6 Aiko Neostar 470W N-Type ABC, Solar Panel 1 Solis 3.6kW Single-Phase Hybrid Inverter 1 Dyness…
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Share tipping websites
Thought I would share this one just for a laugh link https://www.tipranks.com/news/company-announcements/jarvis-securities-strengthens-board-with-appointment-of-paul-shackleton-as-non-executive-director Quote 'The most recent analyst rating on JIM -6.25% ▼ stock is a Buy with a £9.00 price target.' Current price 8 pence No…
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How best to allocate £6k cash + £6k loan across cards?
Hi all, I hope everyone is well, I am hoping someone can help advise me. I want to know what the best way to allocate a lump sum across several credit cards to avoid defaults and stabilise my situation. I would truly be grateful for any advice and ideas. II had to leave my job and unfortunately spiralled and missed…
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Irresponsible lending complaints advice
Hi, I'm just looking for a little advice regarding my complaint responses. Virgin CC have refused the complaint so I've sent to the FOS. Barclaycard have replied to say yes they agree I shouldn't have had the last increase from 6k to 7k so have dropped the limit back to 6k and ive just received response from Castle…
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£35 into my bank from Money Saving Expert
So checking my bank this morning and I have recieved £35 form MoneySavingExpert. Surprised, only thing I can think of is maybe from when I switched energy suppliers, but thay was back in April. Thank you MSE
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Anybody know the 'grace period' for returning late at APH, Slip End Luton Airport?
As far as I can make out, it's simply 'up to midnight'... which is pretty useless for flights scheduled to land, say. 10pm.
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Lloyds home insurance ends in 3 weeks
I have been sent the documents for my renewal which is an increase of 6.5% According to Martin Lewis tonight it should be goinfg down. Are there links to home insurance companies on this site. So I can look for a cheeper deal? Thanks. Desmond.
