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PCP - Is this the right way to use this overpayment calculator on MSE
£22600, 9% APR, 4 Years, £390 Payment, £9688 GMFV Zopa allow overpayments, anytime, and recalculate monthly every time, and I have checked, if I continued, at some point, it eats into the GMFV. https://www.moneysavingexpert.com/mortgages/mortgage-overpayment-calculator/ When I have inputed the figures and just kept a £250…
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Moving an ISA away from Plum.
My Plum ISA does not appear to have a sort code or account number unlike all my other ISA's. Does anyone know how to obtain this information so I can give it to my new ISA provider please.
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Advice on possible disability discrimination
Hi all Summary of my situation: - Permanently employed with a local authority as of September 2024 - Requested OH referral when I started due to a chronic physical health condition which means I need a proper desk setup (not just using a laptop but a second screen and decent chair), and also can have difficulties with long…
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Source of Civil Enforcement Limited v Chan (Ref. E7GM9W44)
Hi all, I'm working on a defence and temped to use E7GM9W44, but I'm in doubt about the following. I did some digging on the forum and I understand that the images of the transcript do not originate from a source that can be referenced in court, so if it was challenged by a judge all I can say is "I found it on the…
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Taxation of one off drawdown pension withdrawal
Hi. I would be grateful for any advice about potential tax implications regarding one off drawdown pension withdrawals. By way of background I have already taken my tax-free lump sum and have subsequently been making monthly withdrawals from my drawdown pension for just under 12 months now. I have been under the tax…
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Stamp Duty Land Tax (SDTL1) form for buying a leasehold property
We are currently buying a leasehold property and we have been given the SDTL1 form for review by the solicitor. For Q2 "description of transaction" they have entered Code "F" which seems to be for a freehold property based on the guidance and is not applicable for a leasehold ("for an acquisition of any freehold interest…
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Does First time buyer rate SDLT applies on first property if married partner buy first house?
Hi all, I own a property on my sole name in a mortgage as well as in title deed. My wife also lives with me in my house with my daughter. Now she decided to get her own house and we went for JBSP mortgage as her salary was not enough to get the mortgage. We have been advised by a solicitor that she might have to pay higher…
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Talktalk voip
Hi all, I recently upgraded with Talktalk to superfast 150 broadband and VoIP. Maybe I was misinformed but I thought VoIP meant no call charges so I was surprised that my first bill included itemized calls at a cost of £7+ What do people think? If you are wondering why we don't just use WhatsApp, my wife is a luddite and…
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Unoccupied house
UPDATE ALL SORTED NOW THANKS Help please, literally at end of my tether. My brother is end of life, I recently let his home insurance know and they didn't tell me they don't insure unoccupied homes. My brother now in a nursing home and I now find I need to find an insurer ASAP. Can anyone recommend one please?
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Best way to buy a house in another part of the country that you intend to move to?
Hi All, (Posting on behalf of my sister). My sister is expecting to come into some money and combined with a mortgage thinks she may be able to finally buy a house. Unfortunately her budget is modest and she currently lives and works in Kent, with her partner and two kids. They realise that they might only be able to…
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Bank blocked my current and savings.a/cs.and say they will switch money from my a/cts in stages
I had current and savings a/cts with the co-op bank. I was trying to update my contact details and the bank blocked my account - no reason given. I couldn't even get money out of an ATM. Ring the Bank am told by one agent -"We can open a new account for you, get you a new PIN card ect. Ring back to do this am told "You…
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Martin Lewis Blog: 'House offer accepted, now they want £20,000 more! What should I do?'
A passer-by stopped Martin in the street recently to ask his opinion on her house buying dilemma. You can check out his view in a video he posted: Martin Lewis: 'House offer accepted, now they want £20,000 more! What should I do?' What would you do? Stand your ground? Walk away? Pay the extra? Negotiate? Tell us your…
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Unauthorised zone
Today I received a parking fine for unauthorised parking from 18.53 to 20.03. I didn't park and stay. I dropped off at returned an hour later to pick up. I rang them and they said I entered a restricted zone. Is there still someone who can appeal this for me? Thanks.
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Insolvency/Bankruptcy
Order states "Currently bankrupt: Automatic discharge will be 25/7/26" (ONE year from Order. I thought bankruptcy lasted 6 years. What if total debt has not been repaid inside 1 year?
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Parking charge notice Scotland
Hi, I parked OHs car in a Morrison car park in Scotland and a parking charge notice has come in from euro car parks. I have searched forum and find a lot if comments that Scotland is different but might change soon but these are mostly from 2024. So my question is what do i do. Send receipt (if we can find it?) but don't…
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Selling a House. Pre-exchange Matters
I am selling a house that belonged to my late sister and brother in law. My late sister had bequeathed me her half share in the property twelve years ago. My brother in law had continued to live there until his death in 2022. I have a prospective buyer but we have not exchanged contracts. There are issues about which the…
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Supply only kitchen with many faults - small claims court?
Hi, Hoping for some impartial advice from those of you who may have submitted something via the Small Claims Court before. Very long story, but in short we ordered over £20k of supply only kitchen units from a UK based company. Across 120 items in total we had 54 items so badly damaged that they needed replacing (including…
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Tell us you cash ISA questions
Hi folks, We've just updated our Cash ISA guide to include FAQs at the end. We'd love to know if we've missed anything so if you've got an ISA question we've not already answered, post it below and we'll try to help. Thank you :) MSE Sally
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Old TSB shares
Has anyone had any success locating old TSB shares. For months now I have tried TSB bank. Lloyds Bank. Equiniti, the Registrar,and even the Funancial Ombudsman -no luck with any attempts to trace?
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Planning permission - change of use - build - divide
Hi everyone. Applying for change of use, office to residential, small plot, South East. Paid for pre-planning advice, to confirm if change will be accepted or not, sizes, no of rooms, etc All good. The only bad news, the council needs a certain amount of garden space, more beds, more space. Building footprint must be…
