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Any point to choosing UFPLS?
The main difference between UFPLS and Drawdown would seem to be that with UFPLS you have to take both tax free and the taxable income straight away. With Drawdown you take the tax free and can leave the taxable portion invested and can withdraw from that amount at any time - even the next week if you wanted. As you have…
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G24 DCB Legal court claim
Hi All Posted about this some years ago and at the time I got advised to ignore, which I did. Have had a read of the newbies thread but just wanted clarification on a few things: Backstory * Received parking fine from G24 for staying in Attercliffe/Meadowhall Retail park 9 minutes over the allotted 3 free hours. Dated 7th…
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Civil Enforcement Limited Parking Fine - County Court Claim Issued
Hello, CEL Ltd - Gone to claims court I've received a Claim Form from Civil National Business Centre about a parking fine and would really like some help with this. I read on the forum that there is a whole thread with a defence template but I have been unable to find this. Incident I was dropping off my 16 year old son at…
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Transferring pension to beneficiary - tax changes
I am the main beneficiary in a will and the financial advisor administering the deceased's pension post has suggested I could inherit the pension and because my relative passed away under 75 years old and any drawdowns would be tax free. This on the face of it sounds a good idea as I am almost 70 and don't have a very good…
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Stamp Duty Calculation When Adding Partner to Property (Remortgage + Cash Contribution)
Hi everyone, I’m hoping someone can clarify how the stamp duty consideration should be calculated in this situation. I currently own a property in my sole name. * Current mortgage: £172,000 * We’re remortgaging to clear this, and at the same time adding my partner as a 50/50 tenant in common. * My partner is…
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Moved: Adidas gift cards useless
This discussion has been moved.
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Adidas gift cards useless
Adidas tell me they are no longer accepting gift cards as part payment for online purchases They seem to confuse paying Adidas money for a gift card with a discount! As a result all my Adidas gift cards are worthless! This underhand change needs publicity before Xmas
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Dreaming of being Debt Free
Hi. Like many people, I've been lurking in and out of these rooms and the main website, dreaming of being debt free. I've been living in debt since I went to uni. To put that into perspective, almost half my life. Ive tried many times, and come close, sometimes a run of bad lucks set me back, children being born, or…
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Google witholding Payment of Trade In Payment
Hi there, cant see anything already here which surprises me a bit as theres quite a bit out there for example on Reddit: https://www.reddit.com/r/GooglePixel/comments/1nx7it9/3_month_wait_for_trade_in_payment_google_store_uk/Basically I traded in my previous phone, a Pixel 8 for a Pixel 10 on 26th August with an agreed…
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Wizz Air - Cancelled flight as no longer running the route - what are my options?
Hi, Wizz Air have cancelled my Gatwick - Agadir flight in October half term as I think they are no longer doing the route. I have read the MSExpert guide - am I right in thinking I can ask Wizz Air to find me an alternative flight? I don't have to take the refund? They will have to book me on an alternative carrier?…
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Old Style Sunday 26 October 2025
Morning all. This clock moving thing is very discombobulating!
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Credit Report post IVA
Hi Everyone, I completed my IVA at the start of the year and have been trying to clean up my credit file. I’ve hit a wall with Creation Finance/LaSer (Currys). They’re refusing to mark my account as defaulted at the start of the IVA. Instead, they’ve been reporting missed payments ever since I entered the arrangement. My…
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Cash ISA additional permitted subscriptions
I SEEM TO BE GOING AROUND IN CIRCLES trying to find a bank to accept m late wife's Marcus (Goldmans Sach) isa .They tell me that it can be transferred to a new bank ,but has to be closed and they send me a cheque-which I then use to open another Isa -which is sort of tagged to the original date.I dont want to lose the tax…
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Tax Free Saving Allowance
Hi, recently retired and earning about £200 per month from a small private pension, no state pension for another 10 years. My question is can my remaining personal tax allowance (1257L) be used against saving interest? Thanks for reading 😃
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Amazon business for non-profits account UK
I work for a non-profit organisation and have been asked to research the benefits of setting up an Amazon business account for non-profits. We currently use a personal account. I cannot find a current subscription fee for this account type. Does anyone know it? I don't want to contact Amazon directly because I don't want…
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parking tickets defence and complaint
Hello everyone, I hope you are well. Thank you very much for all the helpful contributions here. Unfortunately for me I did not find this previous to my appeal so went through that malarkey! This is my first time posting here and I have a couple of problems, please may I have your wise advice! First: The parking permit…
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Cheapest readily-converted campers/similar vehicle types worth buying?
I read that it's cheaper to buy an already converted vehicle than doing one yourself, what's worth buying as a first camper?
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Refunds don’t count towards payments
Hidden in the small print, a refund to your credit card doesn't count as a payment, they still want your monthly payment. I had a refund of £700, which I (stupidly??) thought would count as a payment as it reduced my balance by same amount. I therefore missed my £10 minimum payment assuming they’d already had £700 that…
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To buy in a chain or not?
Hi, There's 4 flats available in a development. The best one (also the largest and cheapest) is in a chain of 4-5. The other three aren't, smaller, but are all chain free. My worry is that if I go for that one and the chain fails I'll probably lose out on the others as they will have sold by then. Do you think it's worth…
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Cheapest Train Tickets
Hi I am trying to find the cheapest train tickets from Wigan to Carmarthen any help we can travel this weekend Friday Saturday or Sunday even Monday and want from approx 8am as its quite a long journey. Any help would be appreciated in finding the cheapest for one adult. TIA x
