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Advice on holding Funds in a GIA (ETF vs OEIC, and Accumulation vs Income)
Hello folks, I would greatly appreciate any advice that some of you might be kind enough to share. I recently inherited £100,000 from a relative who very sadly passed away. I have maxed out both my ISA and SIPP contributions for this year, but I want to get this money working for me in a Fund right away. Over the coming…
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Hive heating
Hi I recently moved 3 months ago and it already had a Hive heating system. I have the app using my email address and phone number (which the previous owners set me up I believe) but Hive will not accept phone calls or webchat from me as they say they don't recognise my personal details. I have emailed them 3 times and…
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why has my Wife's tax code dropped?
My Wife has recently retired and is living purely from savings and a small, old work pension. That pays her just over 2k a year. Her savings interest is about £1100 ...well within her savings allowance, she is currently a non tax payer. However, about to go into SIPP drawdown we checked her current taxcode and were shocked…
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How many extra months on UK passport for US travel?
Hi all I'm off to Florida next December and we fly back on 9th January 2027. My passport expires May 2027, but was issued April 2017 so I'm going to assume it will expire April 2027. This is still three months after I return so am assuming this is going to be OK/ UK Gov's website just says it needs to be valid for the…
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Park maven
Hey all I hope all is well. I’m knew here can you advice me what I can do next after I done an appeal. I went to pay it today and it says it’s not gone up to £100. So I thought I’ll come here first x [Image redacted by Forum Team for personal information]
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Leasehold extension and purchase in Scotland vs UK
Dear MSE forum members. I am a new user to this forum. The following post is in no way a political discussion, merely an expression of a situation I find myself in due to legislation. I have an extremely worrying and complicated financial issue that I am unable to resolve. I have tried citizens advice, leasehold advisory…
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ESA / UC Managed Migration and New-Style ESA
After receiving a migration notice (ESA / HB) I applied for UC on 21 May 2025. My ESA was made up on both income-related and contributory ESA. In addition I also received Housing Benefit. My migration went through without a problem, and I now get Universal Credit instead of the income-related part of ESA and Housing…
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Neighbour issue - But not the usual sort!
I live next door to an elderly gentleman (mid to late 80s). His wife died about 12 years ago. Even when she was still alive they were a very private couple, very nice but 'Good morning' was about as good as it got. The wife would speak occasionally if you caught her alone and from the few bits of conversation we had I…
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Claiming higher rate relief for additional contribution using online form
Greetings, I made a one off contribution of £60k from my bank account to my workplace pension, HMRC advised I can write to claim higher rate relief but they also said I could try their online tool which has been mentioned recently on the forum. Has anyone used the online form for a one off payment to a workplace scheme and…
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"Average Earnings Growth" and triple lock
The triple lock is based on the "Average Earnings Growth" figure for July 2025 (released in August 2025) and the CPI for September 2025. Does anyone know what the "Average Earnings Growth" figure is for this July? I'm finding it very difficult to track down and find out if it's the figure including bonses or not.
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UK Parking Enforcement LTD - help please
Hello, my dad received a PCN for 'parking in a restricted area' in a shell petrol station in Ilford, from UK Parking Enforcement LTD. Date of alleged contravention: 23 March 2025 First and only letter received is dated 12 August 2025, was received in mid September 2025. My dad appealed it and they rejected saying: "It is…
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Forgotten Passnumber & PIN number with Nationwide account.
What is the best way of restoring my account? Senior moment!
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Carers Allowance Processing Time
my carer has recently applied for carers allowance. I received a letter from DWP letting me know they were claiming. They put the claim in on 15th August this year and still haven’t received anything. Can anyone who has recently applied for carers allowance kindly confirm how long you waited between making the application…
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ISA and savings help please
Hi - I will soon get a lump sum from my public sector pension, partial retirement - around £75,000. I have never had such an amount of money in my life so could someone please guide me what to do with it please? I will use around £16k for house updates so that leaves £60,000. I am quite risk averse and would like to always…
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Vouchers/Money Off Codes/Credit/Gift Card Rights
Hi I used a delivery app to order a meal and as I'm a first time user of the app, I found a code that takes £10 off your first order. (I do this when buying clothes too and I've never experienced this sort of issue.) One of the food items I ordered was the wrong flavour so I contacted the app customer services section who…
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Eastern have gone into administration
So I’m awaiting compensation due from a cancelled flight back in March 2025. Eastern had agreed it was payable but I’ve had nothing. I sent a LBA 2 weeks ago, and have just found out this evening they have gone bust. Is there anything I can do or am I stuffed.
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Radiator issue
Hi all Grateful for some advice! BiL fitted all new radiators throughout the house last year for us plus a unvented tank. One radiator has never worked. I’ve done the following so far Bled Bled with one valve open the other closed (and vice versa) Disconnected the thermostatic valve from rad, check valve works (hot water…
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Eastern Airlines “on brink of collapse”
Flights cancelled. https://www.bbc.co.uk/news/articles/cd04vyg4x19o
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Bank of Scotland Business Account contact
Hi! this is a bit random but need an email address to contact BofS. I am secretary of our local Bowling Club and the Club's accounts have been compromised - it is now a Police matter - despite having accounts that needed multiple signatories they were allowed to be amended to one person having sole control of them online.…
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Paint for Copper Pipe
In our bathroom we have had installed a nice new chrome radiator. The pipes below are copper. I wondered if anyone could recommend which paint I could use try to match the copper pipes to the chrome as closed as possible? Thanks M99
