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Management co may have lost pension records
Hi all. I have 18 years' contributions, originally in the civil service, and then sold-out to a private company under TUPE. After I left, there were a couple of further ownership changes. Having never received a statement of benefits, I attempted to contact them last year and eventually got someone to reply earlier this…
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Sashybo - Back Again
Hi all, has been a good long while this time since I've had a diary, think this is number 4 overall. My last diary can be found HERE. Current debt now under 10K. :j This is mostly made up of loans we had to take out to cover the negative equity of the flat we sold a couple of years ago. I must admit we have slipped…
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Cancelled a service paid by credit card but refund offered to my current account (what protection)
I'll try to make a long story short.. I contacted a very small company just over two weeks ago who provide a service as their product. Their service costs £600 initially and later another £400 for the second part. After an initial free consultation, my daughter paid the first payment over the phone with her Mastercard…
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Current Iva payment problems due to change of circumstances
Hi I currently have an Iva, I’m two and a half years in. Six months ago my personal circumstances changed from married to separated. I am now living in a rented flat. I work 32 hours a week and am 60 years old. I carried on paying the same payment to my Iva after my separation and when I emailed to tell them of my…
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Self Assessment and Interest on Savings
I opened 2 savings accounts when my kids (now adults) were small. On adding up the interest for my self assessment, I split it in halve (2 adults) but this is seemingly incorrect. To add to the confusion, I put the reduced (halved) interest in the wrong box - the taxed at source box. E.g, £450 but the bank contacted hmrc…
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Switching question.
I understand that when switching banks all the Direct Debits and Standing Orders are moved across. But my bank (Lloyds) also has a detailed list of people I have paid not by Direct Debit or Standing Order. Are these moved across too?
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Why would anyone invest in VWRP over SPDR MSCI ACWI UCITS ETF
I am deciding in which global etf to invest in. VWRP has a 0.22% and also charges a transaction cost while SPDR MSCI ACWI UCITS ETF charges 0.12% OCR. Is this something that is too good to be true? Am I better off going into a more trusted and household name in vanguard. Why does SPDR MSCI ACWI UCITS ETF cost more?
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The Mortgage Free in Three - Take 7 challenge (MFiT-T7)
A three-year challenge for all of those who are want to pay down their mortgage (or save for house-related expenses) over a longer time period than MFW. First of all, a huge thank you to trix-a-belle who ran the 4 and 5 iterations of this challenge, inspiring many of us to stay on track (and becoming mortgage-free…
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Universal credit stopped
I've been claiming universal credit while working full time and would always receive a payment if only working my basic hours, next month will be my 6th month in a row where I've not had any universal credit payment due to having hammered overtime for Christmas. I believe that my claim will now be closed due to 6 months…
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Loans for people over 75
How can you obtain a loan when you have reached the age of 75 have no mortgage but own your own home but do not have any spare money to pay for a new roof on your house?
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Full &Final Debt Offer Letter Template
HI All, I am in the process of creating Full and Final settlement letters for my partner for for his 3 remaining debts. I have already requested CCAs and 2 out of the 3 have come back unenforceable - the 3rd is less than £900 balance and that is the one that is enforceable. I am going to gift him some money to clear the…
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Unexplained transactions on my Halifax Credit Card
I have a Halifax Credit Card used solely for the purposes of balance transfers. I've had it since 2022. I've never used it to purchase anything nor has it ever been linked to any online account or app. It is not a shared card. I keep it in my wallet. On Tue 7 Oct, a £10 transaction came out, appearing to go to "AMAZON",…
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The Ongoing Saga of Ruby Trying to Own A Home
Hello, new home, new thread. If this is your first time here, welcome, I'm Ruby and together with my husband Mr Eskimo, we're on a journey to be mortgage free. We bought our first house in 2017 and made quite a big dent in the mortgage over that time, mostly due to some inheritance money and taking advantage of a very low…
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New to Airline Reward Points
We're going to start saving points, probably towards upgrading flights to Australia in a few years. We plan to a get the Amex Gold for a year to start us off and then review the perks against second year fee to see if we keep that. We also plan to get the Avios Barclaycard to use where Amex isn't accepted. Looking at MSE…
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PARA 3 WORDING
Hi all, New poster here. I just need a bit of advice as how to word para 3 that the sign, as there was only one was not very visible as I entered the area from the west and the sign was on the passenger side of the vehicle. In addition the secondary sign below had been turned to face the opposite way. Any advice would be…
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Childs bank account debit card?
Daughter is 12 soon to be 13 in March as most children these days independence is on the agenda. Would like to provide her with a debit card limited and visible to us both as parents. Seems to be 13 is the age when more options are available. Any suggestions in the meantime to provide her with some sort of debit card…
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Annuities and IHT
Is anyone looking at annuities which leaves a balance on death to a spouse and potentially avoids IHT ?
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close company?
If I am a 50:50 shareholder and 50:50 director of one company, if I start another company where I am a 100% shareholder and 100% director, would they be deemed to be close companies? I believe not as I have an equal but not controlling stake in the first company.
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PCM / Moorside Legal are taking me to Small Claims Court
Hi Everyone. I have been dealing with this issue for almost two years and I really wish I saw this forum ages ago, it would have helped. You've helped a lot of people and I am hoping I can be one of them too. * Parking Charge Notice received early 2023. * Issue date on the claim form is 21st October 2024, * I did an AOS on…
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Covered call options
I came across Schroder Income Maximiser OEIC while planning a retirement income portfolio. It uses covered call options, which the KIID describes by "To seek to enhance the yield, the investment manager selectively sells short dated call options over individual securities, portfolios of securities or indices held by the…
