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Business address/virtual office recommendations please
I have set up a LTD copany under my home address which has been inactive fore a copel of years. I am now looking to start trading. As I work for mhome and on the computer and telephone only,I need to register my business at the differemnt address to my home one as I don;t want any client;s etc knocking up my door. So…
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UK retirement planning tools
Hi,I'm looking for a DIY retirement planning and drawdown tool that can make suggestions, especially around tax. There are lots of options in the US, but in the UK I can only find a product from Retireeasy.co.uk. Does anyone have experience with this tool, or know of UK alternatives? Thanks,
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Currys same day collection
Hi im after some advise, On Sunday (25/1) I ordered a TV online with currys for same day collection. I paid with a gift card. I got the confirmation email saying they were getting it ready. I went to the store 2 hours after placing my order to be told it wasn't on their system and I had to wait for the 2nd email, they also…
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Seeking beta testers for a pension planning app
This discussion was created from comments split from: Pensions Planning: The NUMBER.
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What type of loan/mortgage would I need?
Good Afternoon, I hope you can help me. I currently live with my mum in her mortgage free house in Havering and are looking to downsize to a new build out in Essex. When we put the house on the market July last year, we were expecting £575k-600k for the house and the house we want to move to was £550k so not an issue with…
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Renter right bill -landlords question
Hi , am trying to FULLY understand the forthcoming RR Bill. experience landlord -albeit i use letting agency to 'do the tenancy agreement and am just doing a new tenancy agreement for new tenant. My understanding is that although ten agreement is being written before the RRB-the new clauses still become effective from May…
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Never a good time but here goes..
Having lurked on and off for a while, it was about time to commit. I’m 38 and about 7 months pregnant so instead of traditional nesting in the form of cleaning, I seem to have resorted to financial nesting instead. My mortgage was originally for 25 years - fixed for 4 then reduced by 3 years when I switched to a new deal.…
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I need to amend a tax return older than 12 months by paper
Hi, In my 2020-2021 tax return, I declared a capital loss from listed shares. Since then, I've had no reason to fill out the capital gains section when submitting my self assessment because there was no capital gains activity. Fast forward to 2024-2025, there has been some capital gains activity and I now need to fill it…
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Right to rent
My friend is thinking of renting his flat to a neighbour's brother. His brother is in the UK on a refugee visa. He is an Iraq national and his home office travel document states that he has the right to stay in the UK until 12.08.2026 My friend is happy to rent to him and if he has to leave in August, he will put his flat…
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Leasehold residential tenant subject to asset protection train track boundary
Looking for specialist advice relating to asset protection orders on leasehold residential property. Very close proximity to overhead traintrack lines busy lines and freight train activity. Tenant of almost 10 years. Restrictions on title. Devaluation Extremely close brick to boundary fence 3 meters Unregistered land…
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Park watch / Debt Recovery Plus / bw legal
Hi, first time user after advice. Followed 'ignore' advice (although missed Letter of Claim opportunity) on here and the registered keeper submitted Acknowledgement of Service on MCOL today. Putting together the defence utilising the template available. Are the following points relevant in any way? When the initial NTK…
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High home insurance due to outbuildings
We have a 3-storey town-house, end terrace. The garage (not attached to the house but within the plot) has been converted into a gym / music room. In the garden there is a small purpose built office. We got insured via A-Plan over 12 years ago and the policy is with Axa. We liked the policy at the time as it covered the…
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Smart Parking defence
Hello, Thank you for all the good work you do. I received multiple letters from Smart Parking. Ignored as per the advice on this forum. They then sold my debt etc. I have now received a Letter Before Claim from DCB. I read the second part of the newbies thread and have sent the standard letter template to info@dcblegal…
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Employer refusing to pay mileage
I work for a charity in England, and have done so for 4 years. It is in a rural area and all of us workers, (20 or so) have to start work at one location and then once or twice a week work from a different location for half a day and return. We do about 400 miles a year on these short journies. We get no mileage allowance…
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HL fees reducing
Interesting that HL are reducing their account fees - e.g. for SIPPs and ISAs from 0.45% to 0.35% for first £250K https://www.hl.co.uk/help/income-and-fees/fees-explained/fee-changes Maybe the ii and A J Bell TV adverts are having an impact! Still any reduction is welcome But there is now a £1.95 charge per trade…
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TikTok Shop using my business information
good morning, new to the forum but I hope someone can help! A few weeks ago I started getting TikTok shop customer return parcels. At first I thought someone was just using my name and address to dump returns at but after looking up the clothing items inside I found a TikTok shop with my name , business name and address. I…
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Gilt ladder implementation Query
I have recently retired and will need to access cash from my sipp from April. I am 60 and will receive DB when I am 65 . So my plan is to use a gilt ladder to live off until DB kicks in. What I am unsure about and maybe it doesn't matter is , do I construct 5 year gilt ladder or 4. if I do 5 years one gilt would need to…
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MBNA problem
On a MSE reccomendation, I made a 5 figure investment with a MBNA fixed rate 1 year savings account which matures next month. I have received a maturity options email from MBNA with link to their website to state my choices. The link doesn't work and says there is problem. I phoned MBNA and the very pleasant girl says…
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Budget Sunglasses needed !! (Sun is in eyes !!) - any suggestions?
Need Sunglasses for driving (sun is irritating) can you give some budget sunglasses suggestions plz. The sun gets in the eyes when driving, have never really had a pair of sunglasses when driving but see people use them. Where can I get a budget pair of driving sunglasses? is it compulsory to have a prescription from the…
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Valued Opinions locked my account out !!
I have been a member of Valued Opinions since 2010, which is over 26 years now. and start ofthis year, I tried to access my account, and I thought new verification process. I have evidence that I have edivanced that i been successfully through a third-party company, Veriff. Never had any problems or issues untilnow. I have…
