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Future Help with Cognitive Decline
I'm approaching retirement and one thing that is playing on my mind is care for when im hopefully much older, but less capable. I'm not married, have no children, siblings or close relatives. I'm well aware of how my mom struggles with basic things, especially banking, accessing benefits via DWP, understanding medication,…
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Dividend reinvestments.....DRIP
I have shares held with a few different platforms and where possible have opted for dividend reinvestment plan on my holdings. I have noticed that all of them receive and process the DRIP within at least 24 hours of a dividend payment except Aviva - sometimes they can take a week or more to do this. Does anyone else have…
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Bike insurance requires gold secure lock but I have diamond secure, is the insurance still valid?
The obvious answer is yes, I'm using a lock that is higher rated than what is required, but as a technicality, they could deny any claim as they specifically said I "must" use a gold secure lock. Thoughts?
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Virgin V6 or 360?
Intermittenly, I receive emails from Virgin Media urging me to swap my Virgin V6 box for a 360 box. I have no interest in doing this, because I'm perfectly happy with everything my V6 does, plus I know I would lose all my recordings if switching. I'm wondering which box, members on here prefer? Thank you.
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Are car loans from a bank included in the reclaim scheme
As above, I've had cars on car finance, which I'll be checking, however I've also had 2 cars on car loans from sainsburys bank and tesco. Are these part of the relaim scheme or is purely cars bought on finance?
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Flight rescheduled - is it possible to claim expenses?
My brother has a flight for him and his 2 kids from Los Angeles to Manchester via Dublin on Aer Lingus. The LA flight arrives into Dublin at 14:30 on Thu 7th August and the flight from Dublin to Manchester was later that same day (Thu 7th) at 20:20. He's recently been told by Aer Lingus that the Dublin to Manchester flight…
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Amazon prime
Hi I am thinking is amazon prime worth having now at the cost of £95.00 a year as I now only use the delivery service also did use some of the video to watch side and the music but still not that much. As I can not see using the full benefits either. How have other found the cost now as it lot if just using not that…
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2024... Debt no more🤘
Hi all, here I go to ridding myself of debt for the final time. I don't want to work forever and would like some good savings before I reduce my working hours. I'm not getting any younger and suffer with various ailments so instead of borrowing I need to pay off what I owe and save instead. Previous borrowing was always…
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Setting up Permanent Health Insurance for Charity employees
Hi, I'm asking on behalf of my friend. My friend has started a small charity and is looking to arrange permanent health insurance/income protection insurance for the few employees (probably one or two only) that they may have in the future. Does anyone have any experience with this as an employer and can suggest which…
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MCOL, mooreside legal, help needed...
Long story short. My partner went to a medical centre and received a pcn, on 7/2/25. There were signs saying the carpark was for the MC and anpr controlled... She was not asked, by reception, to sign the car in and there were no signs in the MC to indicate she had to. The car she was driving was registered in my name.…
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Claim Form Received - National Parking Control at Gym car park
Hello, I have received a claim form dated 16th July 2025. AOS submitted 24th July 2025 AOS received 25th July 2025. Some background to the case. Driver was a member of a gym which uses this car park. Quite often this car park is full and is not big enough for the amount of members they have. Car park was full, so driver…
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Civil Enforcement PCN 2nd Letter Newbie help needed
Hi, I'd already started trying to deal with this myself before finding this forum. I wanted to check what my next step should be at this stage, rather than inadvertently making my situation worse. I received a reminder on 15 June 2025 from a PCN that was issued on 29 May 2025. I appealed this via the form on their website…
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ukcps claim form
hi, ive received a claim (issue date 10 dec) form for a dropoff at gateway house and filled out the aos yesterday. is there an example of defence used for this. thanks
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Discount airport lounge access.
I came across this online - you get free access to Dragon Pass by signing up for a free Regus Online account. After you have signed up click on Partner Offers, Airline Lounges and then sign up for Dragon Pass. You can then pay a flat fee of £24 for lounge access, if you are more than 1 person just buy as many passes as you…
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Generational wealth planning
I was talking to an IFA (about something unrelated) and he said that the largest portion of their work now is generational wealth planning, as so many people are now caught by IHT. I wondered what this usually involves, especially for 1m to 3m wealth, rather than the super wealthy.
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Time to banish the debt.
I've been a lurker on here for a while now and kept meaning to start my own diary but for some reason or not I haven't, I now know it's probably because of the shame I'm feeling. I've had some kind of debt for as long as I can remember but never to this extent. 8 years ago I had just paid off £3000 on my credit card and…
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HMRC sending 4 MILLION income tax refund letters – how to tell if yours is genuine
The tax office is sending around 4 million income tax refund letters between June and August. But with scammers commonly posing as HMRC, we talk you through the steps you should take to make sure your letter is genuine, and how to claim any money you’re owed. Read the full story: HMRC sending 4 MILLION income tax refund…
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Advice on SOA please
My main concern is amount of interest on my cards. I have a good credit rating but can’t get a 0% card due to the amount of debt I’m in. Reason for debt is not here any more. Am I best just cutting back on EVERYTHING and paying it off through gritted teeth or are there other options… Some of it is 0% but due to end later…
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Changing executorship from solicitors to family
This discussion was created from comments split from: Changing Executors and IHT with charity bequests.
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Refused a Credit Card but impeccable credit record on Experian
I have never defaulted on a payment for anything, have paid off mortgages, loans and all other bills, my credit card record is exemplary. Yet I have now been refused 2 applications for credit cards on line. Might this because I am now retired and my pension is below £15k a year? Im mystified. Any help or advice greatly…
