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Incorrect Redemption Statement (Selling Property)
Hi there, Seeking advice for what looks to be an inaccurate redemption statement: The mortgage was issued 01 Jul 24 for approx £540,000.09. The redemption statement received (approx 15 months later) shows the redemption to be higher than the original mortgage. Balance as at 01 Jan 25 £538422.17 Early Repayment Charge…
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Hotel Gotham afternoon tea - booked months ago at advertised price, now they want us to pay more
Hi, as the title says. we booked afternoon tea at Hotel Gotham months ago using a BuyaGift voucher. The voucher code was accepted when we booked and the person we spoke to booked us in. We've now just had a call from them to say that they will be charging anyone using vouchers, an extra £10 per person due to the fact that…
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C.U.P Enforcement - 'Parking' in a 'No parking area' - CNBC Claim form stage
Good evening you legends, I hope you're all well. I've come with a query regarding a NTK which was received recently. I'll be sending the online appeal tonight, or first thing in the morning, so it falls within the 28 day period (beginning day after the notice was issued - lots of life admin has kept me from doing this…
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Has anyone recently applied for a mortgage with Aldamore?
Just wondering if anyone has recently applied for a mortgage with Aldamore and how long it took to receive your offer? We applied with with our broker on 17th September after being turned down by another lender. The wait is simply excruciating! Although things have moved fairly quickly. Process time frame so far: 17th -…
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Statute barred debt (Credit card) from 16 years ago...
I have a statute barred debt (Credit card) from 16 years
ago. After ignoring text messages, phone calls and the occasional letter from Capquest
for many years, I recently started receiving calls and letters from ACI, who are
working on behalf of Capquest. I then received a letter from Verity, who are
working on behalf of…
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CCJ from parking fine
Hello, I've been reading the NEWBIE CCJ strike out threads. Just found out I had a CCJ to my name which was filed on 03 Nov 2022..... Don't ask me how I only realised a week ago - I'm a cash buyer type of buy, never deal in credit so my poor credit score never came to light. I only just managed to notice it and do a credit…
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I never learn- waiting on a facebook collection -again
Having vowed never to try and give anything away again on facebook - i relented and offered up a small item of furniture that's far too good to throw away, it's also on freegle and similar places. Listing showed lots of photos , full measurements (inches and cms) , a part post code - plus the usual no delivery available.…
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So close I can taste it …
After 2 years of hard saving, a lump sum from one of my pensions and a little help from mum & dad, I’m now within spitting distance of paying off the mortgage. 🥳 Just need another 5k, which I should be able to save within about 6 months. This feels like the last lap and I’m ridiculously excited 🤣
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Scam alert - Chase/Metro fixed savers and ISAs
Hi All Received this through the post yesterday. Rates looked too good to be true, so I checked with Chase and it’s definitely a scam. Pretty convincing though. Hope this helps someone.
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Confusing response from Aegon re right to retire at 55
Hi, Im 49, so believe I will miss the right to draw from my pension at 55 should I wish to do so. Back in April I contacted Aegon to ask if my old group personal pension had a protected retirement age. I forgot to look for a response. Ive just found it and I am confused. There response Thank you for contacting us. In…
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DWP Debt Recovery from estate
Hi everyone, I have received grant of probate for a recent bereavement. However have now received a letter from DWP (RELB26) asking for "information about the estate with details held at the time benefit was paid" and a form asking for a lot of the information I already provided when doing the probate application. After…
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Under paid income tax 2024 - 2025
Had a letter from HMRC, who have advised me that I have underpaid income tax by £637.60 Income - £49582.91 Deductions £312.00 - (unknown - edit now known as Job Expenses ?WFH allowance) Tax allowance - £12570 Taxable income - £36700.91 Tax Paid £7340 (correct at 20%) Adjustments - £1168.20 (unknown - edit under payment…
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Spreadsheet Championships
https://www.bbc.co.uk/news/articles/c1jz083lz6xo I bet a few on here would love to take part. :D :D
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Green Homes Scheme - invitation letter
Just received a letter, addressed to the 'homeowner' from a private company called "Green Homes Scheme", the name of which sounds exactly like the Government's scheme. The letter offers up to a £4000 grant to upgrade our current PVs from 250w to 450 w, which will apparently "not affect your FIT payments", with the upgrade…
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Need to find new insurance cover for property still waiting for probate
Recently my mom received a letter from her current policyholder, the AA, saying that they could no longer insure her because the probate on my late step-dad's estate still hasn't been completed. My mom lives in the house and owns half of the house. She is not an executor so she can't do anything about that but the…
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UKPA - Moorside legal - Money claim online
Hi everyone. Worked on a building site in metoer retail park, derby, last year. single road going through with an entrance/exit each end and main car park to the left, building site fenced off to the public and no parking signage put up within the confines of the building site. ANPR on entry and exit of the road, not the…
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HMRC on Doorstep
Heya, Not like this wasn't inevitable. I have just missed an in-person visit from the HMRC - she dropped a letter saying she will come back to discuss how I am going to pay in full. Obviously I can't do this as I need to go bankrupt - was hoping it would be them making me bankrupt or IVA company. It says if I don't pay…
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Latest HSBC data breach - personal identity theft
A couple of weeks ago I applied to open an HSBC Small Business bank account - only to receive the following email this morning: "We recently became aware of unauthorised access to a third-party platform, which held documents, images and contact information provided when you applied to open a new HSBC UK business banking…
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Circulate 25% TFLS
Hi, Hi, I am thinking of taking 25% tax free lump sum from my pension as being worried that the cap might get reduced this budget to 40K. My tax free lump sum would be around 75K. Since taking TFLS does not reduce my annual allowance of 60k, is it possible to invest 75K back into the pension in span of 3-4 years?
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Fees and Consolidation
Hi All, I have a couple of (probably stupid) questions - wondering if any kind soul can help my understanding. 1) Fees My partner (aged 37) has recently changed work place and the company DC pension scheme is with TPT Retirement Solutions. I supported her to choose the fund - "TPT Global Equity Fund" rather then the…
